vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX Subject : Complaint Against Experian for FCRA Violations and Unlawful Reporting of Bankruptcy Information To Whom It May Concern, I am filing a formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of unauthorized information on my credit report. Specifically, XXXX has unlawfully reported bankruptcy information without my consent, failed to conduct a proper investigation into my disputes, and improperly shared my personal information with third parties in violation of the FCRA. 
Under the FCRA, credit reporting agencies are not permitted to place items on a consumers credit report without their authorization. At no time have I provided XXXX with permission to include bankruptcy or any other information in my credit file. Despite this, Experian continues to report a bankruptcy that is unauthorized. 
To support my dispute, I provided XXXX with a copy of an email from the bankruptcy court explicitly stating that they do not share court information with credit bureaus. Additionally, I submitted a letter from XXXX confirming that the bankruptcy information was determined to be unverifiable. However, XXXX willfully ignored the contents of this letter and continued to maintain the information in my file. 
Furthermore, XXXX unlawfully shared my personal information with a third-party company to search for information about me. This constitutes an unauthorized disclosure of my private data, which is a direct violation of the FCRA. 

Pursuant to the FCRA, the following statutory damages and penalties apply : Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is liable for willful and negligent noncompliance with the FCRA, which entitles me to actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees if legal action is pursued. 
Under 15 U.S.C. 1681b, XXXX is prohibited from obtaining or sharing my credit information without a permissible purpose. Any violation of this provision further subjects them to liability. 

Given these clear violations, I demand that XXXX immediately remove the bankruptcy from my credit file and cease all unauthorized reporting of my personal information. 
I request that the CFPB investigate Equifaxs non-compliance with the FCRA and take the necessary enforcement actions to hold them accountable for their misconduct. 
Please provide me with an update on the actions taken regarding this complaint at your earliest convenience.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Company refuses to send statements for XXXX and XXXX. Ive called support a dozen for it, and haven't gotten them. They said they keep them on file for 7 years yet dont even keep them past a year. This is not a professional business credit card dispute being advertised as such because you need statements for your book keeping.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a **1099-C Cancellation of Debt** form for the balance they wrote off. However, I have not received a **1099-C** form from XXXX XXXX XXXX XXXX for this debt XXXX 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **Section 1681i**, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report.

Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a XXXX Cancellation of XXXX form for the balance they wrote off. However, I have not received a XXXX form from XXXX XXXX XXXX XXXX for this XXXX XXXX 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( XXXX  ) **, specifically **Section XXXX, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report. 

Additionally, under the **Fair Debt Collection Practices Act ( XXXX  ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.

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 2025-03-17 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: AZ

Complaint narrative:
XXXX is reporting an account on my credit report as " charged off, '' indicating that they have written off the debt as a loss. According to IRS regulations, when a creditor cancels or writes off a debt of {$600.00} or more, they are required to report the cancellation to the IRS and issue a XXXX Cancellation of XXXX form for the balance they wrote off. However, I have not received a XXXX form from XXXX XXXX XXXX XXXX for this XXXX XXXX 

As a result, the reporting of this account as charged off is inaccurate, and it is my belief that this account should be removed from my credit report. Under the **Fair Credit Reporting Act ( XXXX  ) **, specifically **Section XXXX, consumers have the right to dispute inaccurate information on their credit reports, and creditors are required to investigate and correct any errors. If the information is found to be inaccurate or unverifiable, it must be corrected or removed from the credit report. 

Additionally, under the **Fair Debt Collection Practices Act ( XXXX  ) **, any information that is deemed inaccurate must be promptly updated or removed by the creditor or credit bureau XXXX in accordance with the law. If this account is being reported inaccurately, I request that it be removed from my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen 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 2025-03-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I was in the process of doing a lease buy out in the end of XX/XX/XXXX. My banking institution who was providing the loan to purchase the lease, sent over a check but did not include additional supporting material needed for the leasing company to be able to deposit the check and close the loan. Subsequently, the check was sent back. I was unaware of the documentation not having been provided or that the check was returned. I only found out the status when I received a letter in XX/XX/XXXX. At which time, I called the leasing company to find out what was going on. At the time of the call I was informed my account was past due. I stated I have received XXXX attempts of a debt or notification of a passed due balance. At this point it had already been 30 days and they said I am risk of it being reported to my credit. They stated they attempted to call. I told them a call is not an adequate attempt of a debt, as I have spam calls filtered and never received the calls. I let them know I never received a letter notify me of my delinquency. I made all necessary payments to get my account current while the banking institution went through the process of issuing an entirely new loan. I did not receive the returned check until XX/XX/XXXX. So they had a check in the amount of over {$22000.00} tying up my credit and I was still making payments on the lease. I called Toyota Financial on a weekly basis throughout the process to keep them abreast of all timely updates and continued to make payments. In XX/XX/XXXX I discovered they did report me having a late payment to the credit agencies. I called and filed a dispute to have it removed and also requested they provide their documented attempts to collect - as I never received a letter informing me my account was past due. They failed to provide any documentation and they denied my dispute. After the dispute was denied, I called back and asked if I could please have my request escalated and an opportunity to submit a goodwill letter, which documents the facts of the scenario- I was denied a request for escalation and told I could re-file another dispute. This leasing company is in direct violation of the FCRA, as I was never properly noticed of my delinquency and given the opportunity to make my account current in a timely manner. Additionally, they have dismissed all requests and attempts for me to resolve an issue as a consumer who had no missed payments for XXXX years and paid their account in full. The leasing company is Toyota Financial Services XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 non-monetary relief
Consumer complaint received 2025-03-17 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: Nelnet, Inc.
State: MO

Complaint narrative:
Please stop reporting without my written or verbal consent. Please update the account to reflect the balance is paid in full. 
XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, 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 that complies with section XXXX of this title. 
( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Purpose and scope. XXXX XXXX XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( XXXX ) Describes the conditions under which a financial institution XXXX disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits XXXX XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX  - XX/XX/XXXX - {$18000.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$750.00} XXXX - XXXX  XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX FIN - XX/XX/XXXX - {$540.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX CXX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX - XX/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 non-monetary relief