vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've recently reviewed my credit report and I've noticed numerous inaccuracies. There's numerous inquiries that weren't authorized or initiated by me. I've also noticed a public record reporting that shouldn't be on my report. Court systems don't report or verify information with credit bureaus. These items need to be removed from my report immediately. I'll attach letters of proof and a FTC report as well. This is an invasion of privacy and simply fraud. 
FCRA 605b 15 USC 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently reviewed my credit report and I've noticed numerous inaccuracies. There's numerous inquiries that weren't authorized or initiated by me. I've also noticed a public record reporting that shouldn't be on my report. Court systems don't report or verify information with credit bureaus. These items need to be removed from my report immediately. I'll attach letters of proof and a FTC report as well. This is an invasion of privacy and simply fraud. 
FCRA 605b 15 USC 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
World Finance XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hey, my name is XXXX XXXX XXXX and I have noticed on my consumer report. That I see an auto loan that is not related to me. Which in fact, the consumer reporting agency have violated 15 U.S Code 6802 obligations with respect to disclosures of personal information. I need ( XXXX XXXX XXXX ) deleted immediately and removed from my consumer report. For the law 15 U.S Code 15 1681 c-2 blockage of information demands that you file an FTC Report . The account must reflect as deleted and removed from my consumer report within 1-3 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I formally disputed fraudulent accounts on my credit report on XX/XX/XXXX and XX/XX/XXXX These accounts were opened without my authorization during a period when I was a victim of XXXX XXXX 

1. Auto Loan in the amount of {$43000.00} I have followed the proper dispute process, providing all necessary documentation, including proof of my XXXX history and any supporting legal documents. Despite this, the accounts remain on my credit report, preventing me from moving forward with stable housing. 

I am requesting immediate intervention to have these accounts removed, as they are a direct result of my XXXX experience and are creating unnecessary barriers to my recovery and stability. Please let me know what additional steps I need to take to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I formally disputed fraudulent accounts on my credit report on XX/XX/XXXX and XX/XX/XXXX These accounts were opened without my authorization during a period when I was a victim of XXXX XXXX 

1. Auto Loan in the amount of {$43000.00} I have followed the proper dispute process, providing all necessary documentation, including proof of my XXXX history and any supporting legal documents. Despite this, the accounts remain on my credit report, preventing me from moving forward with stable housing. 

I am requesting immediate intervention to have these accounts removed, as they are a direct result of my XXXX experience and are creating unnecessary barriers to my recovery and stability. Please let me know what additional steps I need to take to resolve this matter as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX information is incorrect I was never late on payments. My account is current and always has been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exists. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was alarmed to see an unauthorized inquiry appear on my credit report today without any explanation. I always monitor my report carefully, but this time, I was met with an unexpected and concerning discrepancy. Thinking it might be an error, I refreshed my browser, but the inquiry persisted. I am beyond frustrated with this situation and insist that the documents I've provided be carefully examined so I can finally put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX has improperly charged me late fees and also reported late payments on my consumer report, despite all my payments being made on time, in the correct amounts, and by their due dates. My account with XXXX has never had a late payment. This is clearly a billing mistake, indicating a possible scheme to charge extra fees. This action is disappointing and has seriously impacted my reputation, character, way of life, and family. I urgently request the removal of the incorrect late payment records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are two fraudulent accounts on my Experian credit report that I have disputed more than 18 one a XXXX XXXX account XXXX and the second XXXX XXXX XXXX account XXXX whom I have been in direct contact with and they stated I need to file a dispute directly with Experian to get it resolved. I have done more than 18 times and Experian still will not remove the two fraudulent accounts. I have requested proof of claim such as original signature and original copy of photo ID providing proof that these are my accounts. Ive also contacted my local PD they took an incident report regarding this Experian is violating the fair consumer reporting act by not disputing correctly. Experian should be requesting proof of plane when items are disputed which they should be requesting documentation for that proof of claim, as well as providing a copy of that documentation they obtained to the person filing the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Amount : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email ] XX/XX/XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX  RE : Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that has been written off as a bad debt. According to my XXXX credit report dated XX/XX/XXXX, this account is listed as " Charged off as bad debt '' with a balance of {$15000.00}. The report indicates the account was closed and the balance was updated on XX/XX/XXXX, with the comment " Transferred to recovery, '' signifying that your institution has discharged this debt and deemed it uncol

lectible. Under Internal Revenue Service ( IRS ) regulations, specifically 26 CFR 1.6050P-1, financial institutions are required to issue Form 1099-C, " Cancellation of Debt, '' when a debt of {$600.00} or more is canceled or forgiven. This form must be provided to both the debtor and the IRS by XX/XX/XXXX of the year following the calendar year in which the debt was discharged.

To date, I have not received a Form 1099-C for this discharged debt. Since this information is necessary for me to properly prepare my tax returns and comply with IRS requirements, I am formally requesting that you : 1. Provide me with a copy of the Form 1099-C that should have been issued for this account, or 2. Issue a Form 1099-C if one has not yet been prepared, documenting the canceled debt amount and the date of cancellation Additionally, I am requesting that you update my credit report accordingly. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, once a debt has been discharged and a 1099-C has been issued, the account should be reported as " paid '' or " settled '' rather than as an ongoing collection or charge-off. The current reporting is inaccurate and harmful to my credit profile, as it suggests an ongoing obligation that has legally been satisfied through the discharge.

Please send the requested 1099-C documentation to my address listed above and confirm in writing that you have taken steps to correct the credit reporting within 30 days of receipt of this letter. If you believe that a Form 1099-C is not required in this situation, please provide a written explanation detailing the specific reasons and the relevant exemption under IRS regulations XXXX 

I appreciate your prompt attention to this matter. Proper documentation of this canceled debt and accurate credit reporting are important for both my tax compliance and your institution 's regulatory compliance obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX Credit Bureau

Company response to consumer: Closed with explanation