vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : A XXXX XXXX XXXX collection account for {$2700.00}, reported as opened in XX/XX/XXXX A XXXX XXXX XXXX charged-off account for {$470.00}, reported in XX/XX/XXXX I did not authorize or open either of these accounts. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). 

Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received resolution. 

I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : A XXXX XXXX XXXX collection account for {$2700.00}, reported as opened in XX/XX/XXXX A XXXX XXXX XXXX  charged-off account for {$470.00}, reported in XX/XX/XXXX I did not authorize or open either of these accounts. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). 

Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received resolution. 

I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : A XXXX XXXX XXXX collection account for {$2700.00}, reported as opened in XX/XX/XXXX A XXXX XXXX XXXX  charged-off account for {$470.00}, reported in XX/XX/XXXX I did not authorize or open either of these accounts. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). 

Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received resolution. 

I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
This is a total disgrace. XXXX XXXX XXXX XXXX charged off a credit account in the amount of {$22000.00} as of XX/XX/year> and yet, they continue to report it to XXXX as if the balance is still collectible. Thats fraud, plain and simple. Once an account is charged off and written off for tax purposes, that amount is considered income to the consumer under the IRS Code ( 26 U.S.C. 6050P ), and the creditor is required to issue a Form 1099-C.

I never received that form. Let me repeat that I never received the IRS Form 1099-C, which is mandatory for any discharge of debt over {$600.00}. XXXX XXXX is attempting to have it both ways : they took a tax deduction for the write-off ( which means they admitted its uncollectible ), and yet they continue reporting this as an active, past-due debt which violates GAAP accounting principles and XXXX a serious violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ).

I hereby issue a formal revocation of any and all prior authorization to share, report, or transmit any personal or financial information concerning this alleged debt. This revocation is effective immediately and retroactively under 15 U.S.C. 6802 and 6801 ( Gramm-Leach-Bliley Act ). I do not consent to the sharing of nonpublic personal information, and any further transmission constitutes willful noncompliance.

This charge-off is not being reported accurately. A consumer report is not supposed to reflect the internal accounting between a creditor and a consumer it must reflect lawful, verified, and current obligations, not already-written-off balances. The creditor can not legally benefit from a tax write-off and then continue collection activity without disclosing that to the IRS and the consumer.

I have suffered emotional distress, loss of housing opportunities, and damage to my reputation as a result of this reporting. The FCRA grants me the right to accurate, verifiable information and this tradeline is neither.

I am prepared to file IRS Form 3949-A to report XXXX XXXX XXXX XXXX for tax fraud , and if not resolved, I will escalate to federal civil litigation for violations of the FCRA, GLBA, and IRS code .

This is not a denial of the debt, but a conditional acceptance pending lawful proof of the 1099-C form, full accounting disclosure, and proof that this balance is still legally enforceable. Otherwise, remove this account immediately and update my report to reflect no late payments and no charge-off.

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 2025-06-17 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: FL

Complaint narrative:
This is a total disgrace. XXXX XXXX XXXX XXXX charged off a credit account in the amount of {$22000.00} as of XX/XX/year> and yet, they continue to report it to Experian as if the balance is still collectible. Thats fraud, plain and simple. Once an account is charged off and written off for tax purposes, that amount is considered income to the consumer under the IRS Code ( 26 U.S.C. 6050P ), and the creditor is required to issue a Form 1099-C.

I never received that form. Let me repeat that I never received the IRS Form 1099-C, which is mandatory for any discharge of debt over {$600.00}. XXXX XXXX is attempting to have it both ways : they took a tax deduction for the write-off ( which means they admitted its uncollectible ), and yet they continue reporting this as an active, past-due debt which violates GAAP accounting principles and XXXX a serious violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ).

I hereby issue a formal revocation of any and all prior authorization to share, report, or transmit any personal or financial information concerning this alleged debt. This revocation is effective immediately and retroactively under 15 U.S.C. 6802 and 6801 ( Gramm-Leach-Bliley Act ). I do not consent to the sharing of nonpublic personal information, and any further transmission constitutes willful noncompliance.

This charge-off is not being reported accurately. A consumer report is not supposed to reflect the internal accounting between a creditor and a consumer it must reflect lawful, verified, and current obligations, not already-written-off balances. The creditor can not legally benefit from a tax write-off and then continue collection activity without disclosing that to the IRS and the consumer.

I have suffered emotional distress, loss of housing opportunities, and damage to my reputation as a result of this reporting. The FCRA grants me the right to accurate, verifiable information and this tradeline is neither.

I am prepared to file IRS Form 3949-A to report XXXX XXXX XXXX XXXX for tax fraud , and if not resolved, I will escalate to federal civil litigation for violations of the FCRA, GLBA, and IRS code .

This is not a denial of the debt, but a conditional acceptance pending lawful proof of the 1099-C form, full accounting disclosure, and proof that this balance is still legally enforceable. Otherwise, remove this account immediately and update my report to reflect no late payments and no charge-off.

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 2025-06-17 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: TX

Complaint narrative:
I am a victim XXXX XXXX  The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 

FRAUDULENT 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
Several companies have unlawfully accessed my credit report, directly damaging my credit and reducing my credit score. Despite assurances from your agency that these unauthorized inquiries would be removed, they remain intactthis is wholly unacceptable. 
The persistent presence of these potentially fraudulent entries strongly suggests identity theft and underscores a clear failure by your agency to fulfill your obligations. This ongoing neglect is inflicting serious emotional XXXX  and financial harm.

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 2025-06-17 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:
I have reviewed my credit history and found a XXXX  inquiry I never requested or approved. Please investigate and take the necessary steps to remove this item from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

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 2025-06-16 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: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: WI

Complaint narrative:
I sent out letter to the credit bureaus disputing this debt. Since it oes n't belong to me and debt amount is not accurate. I requested it to be removed and for proof to be provided that shows that debts belongs to me. I never received a response and its been over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT any entity that furnishes data to a credit reporting agency is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are fraudulent, unverified, and do not belong to me : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX  XXXX, ACCOUNT NUMBER XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, I DEMAND ALL BE DELETED AND BLOCKED IMMEDIATELY

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 2025-06-17 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: NJ

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT any entity that furnishes data to a credit reporting agency is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are fraudulent, unverified, and do not belong to me : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX, ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX  XXXX, ACCOUNT NUMBER XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX  XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, I DEMAND ALL BE DELETED AND BLOCKED IMMEDIATELY

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 2025-06-17 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: NJ

Complaint narrative:
According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT any entity that furnishes data to a credit reporting agency is prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The following accounts are fraudulent, unverified, and do not belong to me : ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX  XXXX  ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX  XXXX, ACCOUNT NUMBER XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX  XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, I DEMAND ALL BE DELETED AND BLOCKED IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being this data breach is messing up my credit history. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax, Experian and Transunion for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 15 USC 1681! Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation