vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
XXXX Customer Service, I am writing to formally request clarification regarding my account, which was recently charged off. As you are aware, when a creditor cancels or forgives a debt of {$600.00} or more, the IRS generally requires the issuance of a Form 1099-C for tax reporting purposes. To date, I have not received a 1099-C for the charged-off account, and I would like to understand why it has not been provided. If the debt has truly been canceled or forgiven, I respectfully request that you issue a 1099-C in accordance with IRS regulations . If the account has not been forgiven and you still consider the debt collectible, please provide clear documentation reflecting this status. I would appreciate a timely response so I can accurately report my taxes and ensure compliance with IRS guidelines. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, [ 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 explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2700.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$7200.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I paid off a personal loan I had with American Express in the amount of {$28000.00} they took three payments of that amount from my checking account. They now say I have a credit on a loan of {$57000.00}. I have never heard of a credit on a loan. They are refusing to send me money back it has been five days. They totally wiped out my checking account causing me to have insufficient funds to cover existing bills. In my XXXX  years I have never been overdrawn on my account. They have already cost me XXXX XXXX XXXX  by doing this and have caused me to be unable to pay vendors and employees in my small business. A hardship on me and ruining my name. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Over the past several years, I have submitted multiple disputes to Experian regarding inaccurate, outdated, unverifiable, and unauthorized accounts listed on my credit report. These disputes were supported by documentation and included clear explanations of which accounts were not mine, which were discharged in bankruptcy, and which were reported with misleading or incorrect payment histories. 

Despite these efforts, made repeatedly between XXXX and XXXX, Experian failed to take corrective action. Instead, they repeatedly sent stall letters claiming my disputes lacked sufficient information, which is untrue and violates FCRA Section 611 ( a ).

Some of the accounts I disputed : Were not mine and were opened or reported without my authorization, Were included in XXXX XXXX XXXX XXXX XXXX but are still reported as active or charged off, Were paid off or settled ( including one account paid by insurance during XXXX XXXX  ), Are duplicate tradelines or contain obsolete derogatory information outside the allowable reporting window, Have no payment history or clear ownership trail, making them unverifiable, Are collection accounts that have never been validated by the original creditor. 

These errors have directly harmed my ability to obtain credit, housing, and other necessities, despite my lawful attempts to resolve them. 

I am not requesting another reinvestigation. Experian has had more than enough time and information over several years. Their continued reporting of inaccurate, unverifiable, and unauthorized accounts constitutes willful noncompliance with FCRA 611 ( a ), 607 ( b ), 623 ( b ), 605 ( a ), and 1681XXXX. 

I am requesting that the CFPB compel Experian to immediately and permanently delete all disputed 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XXXX XXXX it has I owe target XXXX dollars for a credit card and it took my score down XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$30000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$36000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 explanation
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> I received a copy of my credit report and noticed several inaccuracies in my Account, this Account is hurting my ability to obtain credit, it is my understanding that you will investigate these tems for me to ensure accuracy. 

The items inquestion are listed below : - Creditor Name : XXXX XXXX - Partial Account Number : XXXX -Creditor Name : XXXX XXXXXXXX - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Creditor Name : XXXX XXXXXXXX - Partial Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX  Partial Account Number : XXXX Creditor Name XXXX XXXX XXXX  - Partial Account Number : XXXX -Creditor Name : XXXX XXXX - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX - Creditor Name : XXXX XXXX  - Partial Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Partial Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act.

Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the better business Bureau.

Additionally, please remove all non-account holding inquiries over 30 days old.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Personal Information on Credit Report To Whom It May Concern, I am filing this complaint to report inaccurate and outdated personal information appearing on my credit report, specifically concerning incorrect addresses and employers. These errors are misleading, may be affecting my credit profile, and are not reflective of my actual personal history. 

The incorrect items are as follows : Addresses : 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 XXXXXXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX I have submitted disputes directly to the credit bureaus requesting removal or correction of this inaccurate information. Despite my efforts, the incorrect addresses and employers remain on my report. These inaccuracies may result in mistaken identity issues or improperly influence credit decisions. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my credit file. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies take appropriate action to correct or remove the incorrect personal information. 

Please confirm receipt of this complaint and advise on the next steps. 

Sincerely, 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 2025-05-13 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-05-13 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: NV

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NV

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-05-13 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-13 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1700.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am filing this complaint to request the full removal of a utility collection account reported by Credit Control , LLC. The original debt was {$100.00} and has been paid in full as of XX/XX/year>. The balance is now {$0.00}, and the account status is marked as " Paid '' per the results of XXXX reinvestigation. 

Despite this, the account is still being reported as : A collection With a false remark : " Account Paid for Less Than Full Balance '' Both the status and remark are inaccurate. I paid 100 % of the balance owed ( {$100.00} ) not a settlement or negotiated amount. This was a utility bill, not a revolving credit tradeline. Once paid in full, it should not remain on my credit report under the FCRA, especially with derogatory language that does not reflect the payment made. 

I requested an update or removal directly, and I was not provided accurate resolution or justification for the continued reporting. This misrepresentation negatively impacts my credit profile and misleads lenders into thinking I settled a debt, which I did not. 

Requested Resolution : Remove the false " less than full balance '' remark. 

Delete the entire collection entry from all credit bureaus XXXX XXXX XXXX XXXX XXXX 

Cease further reporting of this resolved, non-tradeline account. 

Provide written confirmation of correction or deletion. 

This is in line with FCRA 607 ( b ) and 602, which protect consumers from the inaccurate and unfair reporting of resolved debts.

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 2025-05-13 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: NV

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX exited the student loan business. As a result, some borrowers had their loans canceled and were mailed a 1099-CC resulting in loan forgiveness. Other borrowers had their loans sold to a private debt collection agency known as Firstmark. My student loan was in the middle of being discharged due to hardship and cosigner XXXX. There was a lack of correspondence concerning the transfer of the student loan as well as the status of my loans being forgiven. Firstmark acquired the loans from XXXX and immediately increased the payment amounts. There was no update regarding my loan discharge that was in progress with XXXX. I sent a collections direct dispute letter and received no update. I did not sign any contract with Firstmark or agree to have my loans sold to the private company. I requested they send me a copy of the signed contract that legally binded me to commit to the terms and obligation of paying off sold debt.I have not received any update on their end. I have been harassed with phone calls from various numbers, voicemails, and e-mails urging me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-13 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED

Company response to consumer: Closed with non-monetary relief