vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off account that appears on my credit report. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$25000.00} Date of Charge-Off : XX/XX/year> This account is being reported as a charge-off on my credit file. According to standard accounting and tax principles, when a creditor charges off a debt, they typically write off the balance as a loss and take a tax deduction for it. In doing so, the creditor is often required to issue a 1099-C ( Cancellation of Debt ) to the debtor for tax reporting purposes, as per IRS guidelines .

To date, I have not received a 1099-C form related to this account for any tax year. If this debt has indeed been charged off and the creditor claimed a tax deduction for it, then continuing to report the debt as collectible and negatively impacting my credit file is not only misleading, but may also constitute fraud. A creditor can not claim a tax benefit on a canceled debt and simultaneously continue to represent it as outstandingthis is considered double-dipping and violates both IRS and Fair Credit Reporting Act ( FCRA ) guidelines.

Therefore, I am demanding the following actions : 1. Immediate removal of this charge-off from my credit report with all major credit reporting agencies ( Experian, TransUnion, and Equifax ) .

2. Written confirmation that this account has either been canceled, settled, or forgiven.

3. A copy of any 1099-C that was issued and filed with the IRS.

If none was issued, this confirms that the account was never officially charged off for tax purposes and the current credit reporting is misleading or inaccurate.

If the creditor or furnisher of this data is unable to provide full documentation supporting the legitimacy and accuracy of this charge-offincluding proof that the debt remains legally collectible and no 1099-C was issuedthen this tradeline must be removed from my credit report immediately in accordance with FCRA 1681s-2 and 1681i.

Failure to correct this error may result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the IRS, and state consumer protection authorities for potential fraud and credit reporting violations.

I expect a response and action within 30 days, as required by federal law.

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 2025-07-08 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: CA

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC REPORT REFERENCE NUMBER : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request. 
FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting from identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft.

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

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 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-08 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: DC

Complaint narrative:
To Whom It May Concern : This is a formal update to my original complaint against Equifax regarding their ongoing failure to correct or delete inaccurate information from my credit report. 

As of XX/XX/year>, I have officially filed a Small Claims Court lawsuit against Equifax in XXXX, XXXX, in the matter of XXXX XXXX vs. Equifax. The claim was filed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) due to repeated violations and Equifax 's use of stall tactics, reinsertion of incorrect data, and failure to complete a reasonable investigation as required under federal law. 

While I do not have the full case number on hand, I am attaching documentation showing the official filing. The visible portion clearly confirms that the lawsuit is active, filed, and shows XXXX XXXX vs. Equifax. 

This is no longer a matter of dispute it is now a legal claim. I am requesting that the CFPB record this supplemental evidence and take appropriate action to ensure Equifax is held accountable for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LEXISNEXIS
State: CA

Complaint narrative:
My information was exposed in the Lexus nexus And I would like all negative information to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear CFPB Goldman Sachs Bank closed my Apple Card account without providing a reason. I did not receive any prior warning, and my credit report does not reflect any significant issue that would justify this closure. I have requested an explanation, but the response has been vague or nonexistent. I got one call pretending to be looking into the matter and never heard anything back.

I am concerned this may negatively affect my credit history. I request that Goldman Sachs provide a written explanation for the closure, remove any negative credit reporting if applicable, and reopen the account if the closure was done in error or without fair reason.

I believe this is an unfair and potentially harmful practice and seek CFPB assistance in resolving this matter.

They have not provided any information as to why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I received a letter saying my Sams Club credit limit was reduced from {$1000.00} to {$330.00}. The change was made the same day as the statement closing date, leaving no time to adjust my balance. This caused a spike in my utilization and hurt my credit. I immediately called to file a complaint and was told someone would follow up. Over a month later, no one contacted me. When I called again, I was told there was no complaint on file. Recently, a transaction was declined even though the payment was already scheduled. Out of frustration and lack of support, I closed the account. Ive never had a late or missed payment, and this situation was handled unfairly

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 2025-07-08 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 Experian 's 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 2025-07-08 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: MI

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft : XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX  XXXX Account Number : XXXX XXXX. 
XXXX  XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX  Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
Sunrise Credit Services, a collection agency, is pursuing a debt linked to identity theft, targeting my profile and firmly denying any responsibility for the charges. Despite repeated requests to XXXX, which is the alleged original creditor, it has failed to provide any credible proof of the debts existence. This situation not only undermines the legitimacy of the claims but also emphasizes the profound impact of my identity theft report on innocent victims like me. The lack of verifiable evidence should raise serious concerns about the validity of the collection efforts and the debtor 's 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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased some merchandise form XXXX XXXX on or around XXXX of last year. I returned the merchandise and only got partial refund. I have been trying to reach American Express and XXXX XXXX for months they are telling me to much time has lapsed but I am still on the hook for this purchase but dont have the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX got an emial that XXXX account was requested to be closed. I didnt make amy request. 
XX/XX/XXXX saw XXXX hard enquiry from XXXX store to open account, i have not applied for any new cards.

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 2025-07-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Violations of accounts on my report that inaccurate and want them deleted immediately code15 usc 1692 c ( c ) I would like to be compensated up to {$1000.00} for all false accounts on my credit report.

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 2025-07-08 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: Kikoff Inc.
State: NC

Complaint narrative:
Violations of accounts on my report that inaccurate and want them deleted immediately code15 usc 1692 c ( c ) I would like to be compensated up to {$1000.00} for all false accounts on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604.

I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief