vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is 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 non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I woke up and used my card like usual. My account had money on it at least XXXX or so dollars. I went ahead and got myself some late XXXX XXXX  which brought it to around {$340.00}. I've been using it I went and purchased food with it that day and I've logged into it to check my balance, and everything in there was absolutely nothing wrong with my account. I haven't done anything on the account to go against any of the banks, policies, or anything like that I use the account as a normal account for every day purchases, as well as paying bills and eating and everything. I literally just use the account like a regular bank account. So that same day I was going to purchase something but I usually lock my card so I was going to go on the account and unlock the card so that I can use it, but then I see a message saying that my account is locked for security reasons. I have no idea why it would be locked because there hasn't been any fraudulent transactions or anything to my knowledge. So I called them the same day and they told me that basically my account was closed and that I would have to wait on a letter and wait 30 to 60 days to receive the remaining balance that was in my account. I didn't want to go back-and-forth because I asked multiple times why my account was closed and they kept giving me the XXXX  ANSWER, SAYING THAT IT WAS FOR SECURITY REASONS TO PROTECT ME. WHEN HOW ARE THEY'RE PROTECTING ME WHEN THEY'RE LITERALLY HOLDING MY MONEY FOR 30 TO 60 DAYS. Now it is XX/XX/XXXX and I received an email today saying that my account is- {$420.00} which is insane. How is my account negative when I literally haven't even been able to use it and it was supposed to be closed, so how are there still transactions being done on the account? I'm not able to get in my account to see where this is coming from. I have no idea what's going on and I just want my money back that was in the account when it was closed! I have bills! Cant wait 30-60 days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Request for Account Deletion and Blocking Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear XXXX, I am writing to formally notify you that I am a victim of the recent data breach involving your company. As a result, I am requesting the immediate blocking and deletion of all accounts referenced in my credit report, in accordance with the provisions of 15 USC 1681c-2 ( a ). 

As per the law, this provision allows for the removal and blocking of any fraudulent accounts or information that is related to a breach of personal data. I ask that you take the necessary steps to ensure that all accounts connected to this breach are blocked, deleted, and reflected as such in my credit report. Please confirm the deletion and blocking of these accounts and provide me with a written acknowledgment once these actions have been completed. If you require any further information or documentation from me, I will be happy to assist promptly. Thank you for your attention to this matter, and I look forward to your swift response and resolution.

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 2025-01-01 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: CA

Complaint narrative:
My information was leaked in a data breach and according to 15 usc 1681 my rights to privacy have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Lendmark Financial Services
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OK

Complaint narrative:
I have a joint consolidated loan with my ex-husband with Mohela. Last I heard, the loan is in forbearance. I have not received a bill or a statement since the pandemic pause of student loan payments. I can not create an account or access an account with Mohela. I have received mixed messages saying my information doesn't match their records or that they are waiting for a transfer of an unrelated student loan ( which no longer exists because I paid it off before the transfer ). 

I can not contact their customer service online for help with my account because I have to be logged in to do so, yet I can't login. I can't call them because waiting times are too long ( hours and hours ). I have heard others say that Mohela isn't sending bills but claims their payments are overdue. 

I do not know how much I owe, if the payments are still in forbearance or overdue, or anything for that matter. I do not have any of the loan paperwork or the prommisory note. I have never had access because my ex-husband handled the account, and I can't ask him because he always says he doesn't know or doesn't want to discuss it. In the past, he has refused to pay the loan and damaged my credit. 

I have applied for joint loan separation with XXXX. I'm currently waiting on them to process everything. 

I am including screenshots of the login error messages I receive. These are the same error messages I have been seeing for the last 4 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KY

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Request to Address Erroneous Credit Reporting and Non-Compliance with Tax Regulations Dear CFPB, I am writing to formally dispute and request investigation into the reporting of balances on my credit report for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been written off by the creditors as profit and loss deductions for tax purposes, yet they continue to reflect balances on my credit report. To my knowledge, creditors are required to issue a Form XXXX ( Cancellation of Debt ) to debtors for any written-off debts exceeding {$600.00}, as specified under the Internal Revenue Code ( IRC ) XXXX. I have not received these forms. 

Case Law Supporting My Claim : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasized that inaccurate reporting or attempts to collect on debts that have been XXXX or written off can violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX v. XXXX XXXX, XXXX, XXXX. XXXX ( XXXX Cir. XXXX ) : The court ruled that continuing to report balances on written-off debts as " due '' or collectible could constitute deceptive practices under federal law. 

IRS XXXX Ruling XXXX : Clarifies that issuing a Form XXXX signifies a discharge of debt. Once a creditor writes off a debt and claims a tax deduction, the debt is effectively canceled for accounting purposes and can not remain reported as due. 


Thank you for your attention to this important matter. 

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 2025-01-01 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: Synovus Bank
State: MO

Complaint narrative:
I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all 3 bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
Two corrupt Best Egg employees criminally conspired to unlawfully retaliate and suppress a discrimination complaint. I was treated like a subhuman animal of the wrong race and these two employees- who were friends and wanted to protect themselves- did not want me to talk to a supervisor or file a formal complaint of discrimination- so they would disgustingly just hang up on me - like I was a dirty monkey - whenever I attempted to file a discrimination complaint. I believe based off on the racialist malice of these employees, they may be laundering money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
I discovered several unauthorized inquiries on my credit report that do not belong to me. Upon contacting each business associated with the inquiries, they confirmed they have no record of an application or contract tied to my name. I followed up by disputing these inaccuracies with [ insert credit bureau ( s ) here ], providing supporting evidence. Despite this, the inquiries were not removed from my credit report. It has been over 90 days!

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit bureaus are required to conduct a timely and thorough reinvestigation of disputed items and correct or delete any unverifiable or inaccurate information. Additionally, under 15 U.S. Code 1681b ( f ), a credit report may only be accessed with a permissible purpose. The presence of these inquiries without authorization violates these provisions.

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 2025-01-01 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: IN

Complaint narrative:
XX/XX/2025 Subject : Request for Reinvestigation and Removal of Charge-Off Accounts- XXXX XXXX ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account name/number ( *please reference the above list ). I have received a 1099-C form for this account indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both incorrect and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: IN

Complaint narrative:
XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Accounts- XXXX XXXX  ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account name/number ( *please reference the above list ). I have received a 1099-C form for this account indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both incorrect and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-01 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: MS

Complaint narrative:
I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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