vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of a business credit card account that appears on my personal credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Account Type : Business Credit Card Account Number ( Last 4 digits ) : XXXX Status : Closed This account is a business credit card under my companys name, and according to XXXX XXXX XXXX XXXX publicly stated policy, this account does not report to personal credit bureaus under normal use. I believe this account was either reported in error or is being misclassified on my personal report. 
Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information they report. Reporting a business credit accountespecially one that is not intended for consumer credit filesviolates this requirement and may be misleading in the context of personal creditworthiness. 
Requested Action I am requesting that you : 1. Remove this business credit card account from my personal credit report. 
2. Investigate the accuracy of this reporting directly with the data furnisher, XXXXXXXX XXXX XXXX 
Supporting Documentation I have enclosed the following : A statement or confirmation that this is a business credit card Proof of the account name being registered under my business Any available correspondence with XXXX XXXX XXXX about this matter Please complete this investigation within the 30-day period required under FCRA 1681i. If the account is not removed, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant oversight bodies. 
Please confirm in writing when this account has been removed or updated and send me an updated copy of 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
My loan reached maturity and I needed to pay a lump sum amount to close out my loan. They emailed me ( attachment 1 ) and said XX/XX/XXXX was the last to make a payment to avoid being reported 30 days late with the credit bureaus. I made this payment within the time outlined in their email ( attachment 2 ) and received a thank you for your payment acknowledgement ( attachment 3 ) and they still reported me as late and are now refusing to remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
TransUnion is reporting an account from XXXX XXXX ( Account No. XXXX ) that was legally canceled and discharged via IRS Form 1099-C issued by XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. Despite this cancellation, TransUnion continues to display the account, in violation of the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code. 

This constitutes inaccurate and misleading reporting of a debt that is no longer valid. The following legal provisions are being violated : FCRA 1681e ( b ) : failure to ensure accuracy FCRA 1681i : failure to perform reasonable reinvestigation FCRA 1681s-2 ( a ) : failure to update canceled debt IRC 6050P and IRS Notice 2012-65 : debt considered extinguished and unreportable after 1099-C issuance.

I submitted a legal demand for deletion and compliance, including verification method disclosure and assurance against reinsertion. No proper resolution or documentation has been provided.

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 2025-04-18 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, Missouri XXXX Date : XX/XX/2025 To : Citi Credit Cards [ Address If you have one for their correspondence, insert here ] Subject : Follow-up Regarding Disputed Account and Request for IRS Form 1099-C Dear Sir or Madam, I am writing to follow up on an issue I have previously brought to your attention regarding an account that you claim I held with Citi Credit Cards. In your response, you stated that a reply had been sent to me regarding my dispute. However, to date, I have not received any such correspondence.

I continue to dispute the validity of the alleged account, as I have no record or knowledge of ever having held any account with Citi Credit Cards. Despite this, my credit report reflects that the account was charged off. Upon contacting the Internal Revenue Service ( IRS ), I was informed that Citi reported this charge-off and is seeking a tax write-off for the amount allegedly owed.

According to the Internal Revenue Code, if a creditor cancels a debt of {$600.00} or more, the creditor is required to issue IRS Form 1099-C, Cancellation of Debt, to both the IRS and the debtor. This requirement is outlined under 26 U.S. Code 6050P.

26 U.S. Code 6050P - " Any applicable entity which discharges ( in whole or in part ) the indebtedness of any person during any calendar year shall make a return ... showing the name, address, and TIN of each person whose indebtedness was discharged ... and the amount of the indebtedness discharged. '' Failure to issue this form as required may result in penalties under 26 U.S. Code 6721, which addresses failure to file correct information returns. The penalties can range from {$60.00} to {$310.00} per return not properly filed, depending on how late the form is issued, with a maximum annual penalty that can reach up to {>= $1,000,000} for large entities.

Therefore, I formally request that you provide me with a copy of the IRS Form 1099-C related to this alleged debt. Please send this documentation to the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Missouri XXXX Should you fail to provide this information within a reasonable timeframe, I reserve the right to pursue further remedies, including filing complaints with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate regulatory agencies. 

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 2025-04-18 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: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Missouri XXXX Date : XX/XX/2025 To : Citi Credit Cards [ Address If you have one for their correspondence, insert here ] Subject : Follow-up Regarding Disputed Account and Request for IRS Form 1099-C Dear Sir or Madam, I am writing to follow up on an issue I have previously brought to your attention regarding an account that you claim I held with Citi Credit Cards. In your response, you stated that a reply had been sent to me regarding my dispute. However, to date, I have not received any such correspondence.

I continue to dispute the validity of the alleged account, as I have no record or knowledge of ever having held any account with Citi Credit Cards. Despite this, my credit report reflects that the account was charged off. Upon contacting the Internal Revenue Service ( IRS ), I was informed that Citi reported this charge-off and is seeking a tax write-off for the amount allegedly owed.

According to the Internal Revenue Code, if a creditor cancels a debt of {$600.00} or more, the creditor is required to issue IRS Form 1099-C, Cancellation of Debt, to both the IRS and the debtor. This requirement is outlined under 26 U.S. Code 6050P.

26 U.S. Code 6050P - " Any applicable entity which discharges ( in whole or in part ) the indebtedness of any person during any calendar year shall make a return ... showing the name, address, and TIN of each person whose indebtedness was discharged ... and the amount of the indebtedness discharged. '' Failure to issue this form as required may result in penalties under 26 U.S. Code 6721, which addresses failure to file correct information returns. The penalties can range from {$60.00} to {$310.00} per return not properly filed, depending on how late the form is issued, with a maximum annual penalty that can reach up to {>= $1,000,000} for large entities.

Therefore, I formally request that you provide me with a copy of the IRS Form 1099-C related to this alleged debt. Please send this documentation to the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Missouri XXXX Should you fail to provide this information within a reasonable timeframe, I reserve the right to pursue further remedies, including filing complaints with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate regulatory agencies. 

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 2025-04-18 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Dear Check Systems Incorporated Attn To Consumer Relations.I was recently informed of negative information reported by XXXXXXXX XXXX included in the file Early Warning maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank XXXX XXXX unaware of ever having a [ item ) from this XXXXXXXX XXXX XXXXPlease validate this information with XXXX XXXX and provide me with copies of any documentation associated with this " [ item '' ' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) .I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC , CFPB and the state of Minnesota Attorney Generals office, should you continue in your non-compliance. I further remind you that. as in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company : I will be seeking {$5000.00} in damages for the following L. ) Defamation 2. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 2025-04-18 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
My husband received a prepaid XXXX XXXX gift card for {$100.00} as a gift. We have tried using this gift card before and the company said it would not go through. I've tried requesting both online at XXXX and via phone at XXXX for the gift card balance to ensure there is money on it, but I get an error message every time. When I request " help '' online it asks me for all information about the card and my personal information, yet I still get an error message. Please note that the card has never been processed and should have all funds on it : {$100.00}. I've tried reaching out to XXXX directly but they tell me it's not in their inventory and with the issuer of the card and can not help.

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 2025-04-18 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX XXXX XXXX  I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 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 2025-04-18 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OK

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I be paying on the charge off loans but it still show as missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Demand for Debt Validation and Cease Reporting of Unverified Collection Account XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX I am formally disputing the accuracy and legality of a collection account currently being reported on my credit file. The collector associated with this account has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g and 1692e. Under these laws, I have the right to request validation of the debt. The following violations have occurred : - I never received proper validation or verification of the debt in writing within 5 days of initial contact, as required under 1692g ( a ). - I submitted a dispute within the 30-day window, and the collector failed to verify the debt but continued to report it to the credit bureaus, violating 1692g ( b ). - The account is being reported without complete identification of the original creditor, accurate balance history, or supporting documentation. - The collector continues to update the credit report without resolving or verifying the dispute, in violation of 1692e. In accordance with my rights under federal law, I am demanding that all collection activity and credit reporting associated with this debt be immediately ceased until the following items are provided in writing by the data furnisher : 1. Full Payment History - A complete itemized breakdown of all payments and charges - Any credits or interest applied- The exact date when the last payment was made 2. Your Signature or Original Contract - A copy of the original signed contract - Documentation showing that I agreed to be financially responsible for this debt - Proof of a contractual obligation with the original creditor Until these documents are provided and verified, this account must be removed from my credit file under FCRA 1681i ( 5 ). Attached are copies of my identification and credit report pages referencing the account in question. I expect a response within 30 days as required by law. 

Sincerely, 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