vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
original complaint XXXX Rebuttal to CFPB Complaint Response American Express To the CFPB : Thank you for reviewing my initial complaint. I am submitting a rebuttal to American Expresss response regarding their continued reporting of monthly delinquencies after my account was charged off on XX/XX/2023. 

Under the FCRA, credit furnishers are required to report information fairly and accurately. Reporting new late payments every month after a charge-off date is misleading to future lenders and may inflate the negative impact on my credit history.

American Express stated that my account does not qualify for a 1099-C. However, they confirmed the account has been written off as a loss, and they are no longer actively collecting on the debt. This contradicts IRS guidelines that state a creditor must issue a 1099-C when a debt is canceled or becomes uncollectible.

Additionally, if the account has been charged off, then continuing to report it as newly delinquent each month is factually inaccurate or misleading unless they are attempting to collect or have re-aged the account, which they have not disclosed. I respectfully request a formal reinvestigation and clarification of : 1. Why delinquencies are still being reported monthly after the charge-off.

2. If the debt is still being actively collected by American Express.

3. Why a 1099-C was not issued despite the debt being written off.

Please help me ensure that this item is reported in a way that complies with both FCRA and IRS guidance, and that it does not continue to artificially suppress my credit score beyond what is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$8400.00} XXXX XXXXXXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX - XXXX XXXX XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX XXXX I mailed a written request to Equifax formally disputing the inclusion of outdated and inaccurate names and addresses on my consumer report. In that letter, I specifically requested that Equifax : Remove all outdated and inaccurate personal identifiers, including names and addresses that do not reflect my accurate legal information ; Update all consumer identity fields to reflect only my correct legal name and current mailable address, as any other address is inaccurate and therefore unreportable under the Fair Credit Reporting Act ( FCRA ) ; Remove any phone numbers listed on my account ; Provide written confirmation of these corrections along with an updated copy of my consumer credit file. 

To date, Equifax has failed to respond in compliance with the FCRAs required timeframe. This lack of action constitutes a failure to conduct a reasonable reinvestigation and provide the requested updates and documentation within the statutory period as required under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Thank you for the companys response. However, I strongly disagree with their decision to continue reporting this account and am requesting a formal review due to the following violations : 1. Re-aged Debt Reporting : TFS charged off this account in XXXX, yet they continue to report activity as of XX/XX/XXXX. This creates the false impression that the debt is recent, which is misleading and violates FCRA 623 ( a ) ( 5 ). This tactic of re-aging derogatory data is unacceptable and designed to suppress my credit unfairly.

2. Inaccurate Past Due Balance Post-Charge-Off : TFS is reporting the balance of {$5000.00} as both charged off and past due, which is inaccurate. Once an account is charged off, it can not legally continue to accrue past due status. This double-damaging report falsely inflates the derogatory effect and violates FCRA accuracy requirements.

3. No Debt Validation by Collection Partner : TFS claims the account is still active and being pursued by collection partners, yet I have never received written debt validation from any collector. Reporting a debt without complete verification under FDCPA 809 ( a ) is a serious compliance failure.

4. Damage to My Creditworthiness : This account is actively preventing me from qualifying for a mortgage and other essential financing, despite the account being years old. TFSs refusal to correct or delete the reporting is causing direct and ongoing harm. 

Notice of Intent to Sue : If this account is not removed from my credit report within 15 business days, I will proceed with legal action under : FCRA 611 ( Failure to Correct Inaccurate Information ) FCRA 623 ( Furnisher Obligations ) FDCPA 809 ( Lack of Debt Validation ) FCRA 616 & 617 ( Willful and Negligent Noncompliance Civil Liability ) I am demanding immediate deletion of this tradeline from all consumer reporting agencies. If the company believes the reporting is accurate, I request certified documentation proving the accuracy of each reporting element. Otherwise, I expect deletion and will proceed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
This is a follow-up complaint to stay on top of the ongoing investigation into the inaccuracies on my Equifax credit report, as my initial disputes remain unresolved. I am disputing the charge-off accounts from XXXX XXXX XXXXXXXX - {$0.00} and XXXX, XXXX - XXXX - {$0.00}, which continue to be reported despite having zero balances. Under the Fair Credit Re

porting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), Equifax is required to ensure the maximum possible accuracy of the information they report, including the proper classification and validation of charged-off accounts.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have exposed Equifax 's failure to conduct proper investigations. Specifically, the CFPB has alleged that Equifax engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failing to adhere to these requirements is a direct violation of federal law. 

The continued presence of these inaccurate charge-offs on my credit report, despite their zero balances, suggests that Equifax has failed to properly verify these items, potentially as a result of negligent data handling or inadequate internal processes. This not only compromises the integrity of my credit file but also exposes me to unjust financial strain and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: MN

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the inaccurate collection and charge-off entries being reported on my TransUnion credit report for XXXX XXXX XXXX ( Account Number : XXXX ) - {$3500.00} and XXXX XXXXXXXX XXXX  ( Account Number : XXXX ) - {$2900.00}. These accounts have been reported as charged off, yet the balances remain listed, which is inconsistent with the nature of a charge off and creates a misleading impression of my financial responsibility. Reporting a charge off with a balance implies ongoing delinquency, significantly harming my creditworthiness and financial stability. This kind of inaccurate reporting can severely damage my financial standing by reflecting a falsely negative payment history, leading to higher interest rates, limited access to credit, and a diminished financial reputation. Given the potential impact on my financial future, it is critical that this information is accurate, complete, and verifiable as required under 15 U.S.C. 1681s-2 ( b ). 

Additionally, the ongoing reporting of these balances without proper verification raises serious concerns about data accuracy, especially in light of potential data breaches that may have compromised my financial information. If my data has been exposed or mishandled, it could result in inaccurate reporting that unfairly damages my credit profile. TransUnion has a legal obligation under the FCRA to ensure that all information it reports is accurate and complete, and failure to do so is a clear violation of my consumer rights.

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 2025-05-14 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: AZ

Complaint narrative:
I am disputing the inaccurate collection and charge-off entries being reported on my Equifax credit report for XXXX XXXX XXXX ( Account Number : XXXX ) - {$3500.00} and XXXX XXXX XXXX Account Number : XXXX ) - {$0.00}. These entries reflect incorrect or unverifiable information, further complicated by the recent findings from the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs failure to conduct proper investigations. In a recent lawsuit, the CFPB alleged that Equifax engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failing to adhere to these requirements is a violation of federal law and directly impacts my financial stability by inaccurately reflecting my creditworthiness. 

Additionally, the presence of inaccurate information on my Equifax credit report raises serious concerns about data breaches that may have compromised the accuracy of my financial data. Given the CFPBs findings, I have little confidence in Equifaxs ability to accurately investigate and verify the legitimacy of the data it reports, further undermining the reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the inaccurate late payment entries being reported on my TransUnion credit report for XXXX XXXX XXXX ( Account Numbers : XXXX ) and XXXX ( Account Number : XXXX - Reporting Past Due : {$0.00} ). These accounts reflect late payments despite being paid on time or having no outstanding past due balances. Inaccurate late payment reporting can significantly harm my credit score, affecting my ability to secure fair credit terms, lower interest rates, and other financial opportunities. It is critical that these entries are corrected to accurately reflect my payment history, as required under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), which mandate accurate and complete reporting.

Additionally, the continued reporting of these inaccuracies suggests a failure to properly investigate and verify my dispute, raising concerns about potential data breaches or mishandling of my financial information. This undermines the reliability of my credit profile, causing financial harm and emotional distress as I am unfairly penalized for payments that were never late or inaccurately reported.

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 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/year> paying for the purchase with a credit card the transaction did not go through so I paid cash {$20.00} after a few months I received a bill from collectors agency for payment {$300.00} I paid the full amount after that conversation it turned out that the transaction with the credit card went to {$20.00} in the store.I never received the bill for payment.After investigation I received check for {$20.00} then I called and made a dispute 4 times for the amount {$280.00} ( internet & fees ) I have not received any answer to this day

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 monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation