vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX- appears on multiple reports. 



The account in question was charged off in XXXX, and I have noticed that the payment status is consistently being reported as " XXXX  '' ( XXXX ). This reporting is erroneous and does not accurately reflect the status of my account.

Further, I had requested a 1099-C ( Cancellation of Debt ) from the creditor, as the debt was written off, but I did not receive any follow-up or update. Upon reviewing my IRS transcripts at IRS.gov, I found that a 1099-C was not issued for this account.

According to my credit profile, the account was charged off in XX/XX/XXXX, but the 1099-C should have been issued by XX/XX/XXXX as per IRS regulations XXXX Given that the necessary procedures for debt cancellation and reporting were not followed, I request that this information be removed from my credit report. 

Additionally, the inaccurate reporting of the payment status as " XXXX  '' is misleading, and I respectfully request that this be corrected as well. 

I kindly ask that you investigate this matter and remove the incorrect account entry from my credit report in compliance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CT

Complaint narrative:
I used XXXX  product for tax return. The return was deposited in my credit karma account. Credit Karma advertised instant account transfer fund services. They would not allow funds transfer from my account. Also, they charge a transfer fee which they dont include in their ads.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-05-19 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: MA

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Account name CREDIT COLLECTION SERVIC Account number XXXX Account type Collection Account info Account name CREDIT COLLECTION SERVIC Account number XXXX I am unaware of this debt and did not have the opportunity to disputes the account. If you believe you sent the proper notification, please provide " Certified Mail '' with receipts displaying my signature. If not, please delete the accounts listed above from all of my reports as soon as possible from my report or I will be forced to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

I expect to receive the proof requested above within XXXX days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted

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 2025-05-19 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 XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2025 To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. [ XXXX XXXX XXXX XXXX XXXX ] 2. [ XXXX ] 3XXXX XXXXXXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

Thank you for addressing this matter promptly. 

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 explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
My personal information such as my social security card and identification card was in a storage unit, that was auctioned off and my identity was stolen and used to open credit cards. I have been attached my identify theft form as well as utility and would like these accounts deleted.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX received an alert through Fifth Third Bank that we had a charge through XXXX XXXX for XXXX. We have a XXXX XXXX card though the Fifth Third account frauded isn't tied to XXXX for payments. We immediately contacted Fifth Third, while doing so, the account from Fifth Third that is tied to XXXX XXXX was being breached which ended up being locked due too many invalid pin attempts. Fifth Third fraud department and customer services are not open on Sundays. A call was made and a note placed on the account with XXXX XXXX so when Fifth Third and XXXX XXXX talk to each other there was a note of this issue and showing our due diligence of trying to report this issue. Our account that was successfully penetrated through Fifth Third had no means of support other then the alerts. We can not freeze our Fifth Third accounts till hours resume with Fifth Third Bank. Though we attempted despite what the IVR and online messages are To report fraudulent or suspicious activity with your account, call XXXX, Monday through Friday, XXXX XXXXXX/XX/XXXXand Saturday, XXXX XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Under FCRA To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries appearing on my credit report. These inquiries were made without my knowledge, consent, or any resulting credit relationship, and therefore, I am demanding an immediate investigation and removal pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) and 1681i. 

Below is a list of the disputed inquiries currently shown on my credit report 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 I have not applied for credit with these companies nor authorized these inquiries. There are also no resulting accounts, which further supports that these entries are inaccurate and potentially fraudulent. 

Therefore, I am requesting the following actions : 1. Immediate removal of all the inquiries listed above from my credit file.

2. A full investigation into the origin of each inquiry.

3. A written explanation of your findings, including the name, contact information, and method of verification used for each inquiry. 

Please note that under the FCRA, you are required to complete this investigation within 30 days of receiving this notice. If these inquiries can not be verified, they must be deleted from my credit file.

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 2025-05-19 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: TX

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

UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2024

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 2025-05-19 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: TX

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
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 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 2025-05-19 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items. The dispute items do not belong to me. Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$440.00}

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 non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2025-05-19 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: MA

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Wednesday XX/XX/XXXX a fraudulent check was deposited into the account owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX Accompanied by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD Amount $ XXXX They willing/knowingly deposited the fake check into the capital one 360 checking account ending in XXXXXXXX XXXX XXXX XXXXXXXX number XXXX XXXX check was stolen from my mailbox and forged with their name and signature on it. I have screenshot proof Ive sent to my self showing their group chat messaged planning the entire scam plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
One day, a couple of years ago, my phone was stolen and my bank account was accessed. Through this time, a person made 2 payments off of my bank account to random people, and then days later, I was banned from Zelle, not allowed to receive payments or send payments. This is inconvenient for something I could not avoid. I tried to speak to them and explain what happened, but they just ignored me and said restrictions are final and that people never get taken off restrictions. I need zelle for my everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am having issues with Equifax reporting information on my credit report incorrectly. I am a victim of a credit breach with Equifax that has caused accounts to be opened in my name. In my FTC report and dispute letter you will find the items being reported fraudently on my report. I am writing to you regarding issues with my personal credit report. I have been doing disputes to the credit agencies and to my avail no response and they keep reporting inaccurate information. My information was breached in an Equifax breach. I was awarded a compensation settlement. I have tried numerous of times to get this information removed of these fraudulent accounts, but the credit agencies will not remove them. I am unable to obtain any credit that is needed for these accounts that have been opened up in my name without my knowledge. Whatever steps I need to take I am willing to take them to get these accounts removed. I know that Section 605B 15 USC 1681 c-2 states all fraudulent accounts must be blocked and permanently removed from my credit fi le. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report. 

The companies are XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX Current Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OK XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXx XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation