vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I have called the debt collector asking for a 1099c form since this account has been charged off. I never received this form and when I asked about it, they hung up the phone. 

any account that had been charge off must provide 1099c form which I was not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am not liable for this debt with XXXX. I dont have a account with XXXX XXXX XXXX XXXX they didn '' t provide me with orginal contract that was requested. The account XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
Subject : Dispute of Charge-Off Entries on My Credit Report To Whom It May Concern I am writing to formally dispute the charge-off reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681, which mandates fairness and accuracy in the reporting of consumer information. The account I am disputing is : XXXX XXXX XXXX, Account Number- XXXX I have reviewed my credit report and found entries pertaining to this account that are not only inaccurate but may also reflect misinterpretations regarding the treatment of canceled debts and income. According to 15 U.S.C. 1681 ( a ) ( 1 ), consumers have the right to accurate information regarding their accounts, and it is my position that the ongoing reporting of this charge-off violates that right.

Furthermore, it is important to highlight that under 26 U.S.C. 108, canceled debt can be considered gross income, but this does not mean that the report on my consumer file should reflect such canceled debts or characterize them as ongoing liabilities. The law explicitly states that when a debt is XXXX, it should not continue to impact my creditworthiness negatively. Case law, including exceptions outlined in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), illustrates the importance of accurate credit reporting and the necessity of avoiding misleading representations of financial obligations. 

Moreover, it is unlawful for a consumer reporting agency to furnish information about a consumer account that misrepresents the financial situation of the consumer, as established in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Continued reporting of these charge-offs, when the debts have been canceled or settled, does not accurately reflect my financial history or my current obligations. 

For these reasons, I request that you conduct a thorough investigation into the disputed charge-off entry and rectify in accordance with the law. If you determine that the information regarding this charge-offs is inaccurate, please promptly remove them from my credit file. 

I appreciate your attention to this matter and look forward to your prompt response within the legally required timeframe. Should you need any further information to assist in your investigation, please do not hesitate to contact me by email only at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Subject : Dispute of Charge-Off Entries on My Credit Report To Whom It May Concern I am writing to formally dispute the charge-off reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681, which mandates fairness and accuracy in the reporting of consumer information. The account I am disputing is : XXXX XXXX XXXX, Account Number- XXXX I have reviewed my credit report and found entries pertaining to this account that are not only inaccurate but may also reflect misinterpretations regarding the treatment of canceled debts and income. According to 15 U.S.C. 1681 ( a ) ( 1 ), consumers have the right to accurate information regarding their accounts, and it is my position that the ongoing reporting of this charge-off violates that right.

Furthermore, it is important to highlight that under 26 U.S.C. 108, canceled debt can be considered gross income, but this does not mean that the report on my consumer file should reflect such canceled debts or characterize them as ongoing liabilities. The law explicitly states that when a debt is XXXX, it should not continue to impact my creditworthiness negatively. Case law, including exceptions outlined in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), illustrates the importance of accurate credit reporting and the necessity of avoiding misleading representations of financial obligations. 

Moreover, it is unlawful for a consumer reporting agency to furnish information about a consumer account that misrepresents the financial situation of the consumer, as established in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Continued reporting of these charge-offs, when the debts have been canceled or settled, does not accurately reflect my financial history or my current obligations. 

For these reasons, I request that you conduct a thorough investigation into the disputed charge-off entry and rectify in accordance with the law. If you determine that the information regarding this charge-offs is inaccurate, please promptly remove them from my credit file. 

I appreciate your attention to this matter and look forward to your prompt response within the legally required timeframe. Should you need any further information to assist in your investigation, please do not hesitate to contact me by email only at XXXX. 

Thank you for your cooperation. 

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 2025-04-29 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: TX

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I disputed information in my Consumer Report and CRA 's said information was verified I pulled my Consumer Report and the Inaccuracies are still reporting inaccurate.This is a Violation Of FDCPA and the FCRA, My Consumer Rights are being violated. I Filed a Identity Theft Report with the FTC

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 2025-04-29 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: NY

Complaint narrative:
I was a victim of ID theft. There are remarks on my credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The remarks are : XXXX Reposession; redeemed XXXX Reposession; redeemed

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 2025-04-29 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: NY

Complaint narrative:
I was a victim of ID theft. There are remarks on my credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The remarks are : XXXX Reposession; redeemed XXXX Reposession; redeemed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against HSBC Bank ] for Mishandling Disputed Credit Card Charges and Lack of Debt Transfer Transparency Dear I am writing to formally lodge a complaint against [ Bank Name ] regarding their mishandling of a disputed credit card charge and their failure to provide adequate information following an unauthorized transfer of debt.

Despite my repeated appeals, clearly stating that the disputed transactions were not authorized by me, [ Bank Name ] failed to conduct a proper investigation or provide any meaningful resolution. Instead, they unilaterally assigned the alleged debt to a third-party entity without my knowledge or consent. 

Upon attempting to resolve the matter, I discovered the following serious issues : No verifiable or accessible contact information was provided for the third-party debt purchaser ; [ Bank Name ] itself is unable to supply accurate details regarding the company now holding the alleged debt ; As a result, I am completely deprived of the ability to communicate, dispute, or resolve the alleged debt, which has caused significant harm to my financial standing and credit reputation.

This conduct represents a gross violation of consumer protection principles, including but not limited to : Failure to investigate disputed charges in good faith ( in violation of [ relevant laws, e.g., Fair Credit Billing Act ( FCBA ) ] ) ; Lack of transparency and accountability in the debt transfer process ; Denial of the consumers right to dispute and rectify erroneous financial obligations.

I respectfully request the regulatory body to : Conduct a formal investigation into [ HSBC ] s handling of disputed credit card charges and debt transfer practices ; Require [ HSBC ] to provide complete documentation and contact information related to the debt assignment ; Mandate a full review and correction of any negative impact on my credit report ; Impose appropriate corrective measures or penalties on [ HSBC ] if violations are confirmed.

Attached are copies of my communication records, dispute letters, and any available documentation for your reference.

Thank you for your attention to this serious matter. I trust your office will act promptly to safeguard consumer rights and ensure compliance with applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnExperian \nRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following XXXX XXXX XXXX XXXX  opened XXXXI want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost oXXXX XXXX  as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated .  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 2025-04-29 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: CA

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breach, after reviewing my credit reports, I noticed some accounts I am unfamiliar with, I have asked CRA 's for validation of debt however the information has not been provided, due to my information being exposed, I have submitted a FTC complaint reporting the information I am unfamiliar with Please find attached a copy if my ID, The FTC complaint a copy of the XXXX report showing my information being exposed in a national database and a validation of debt letter.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing XXXX have the following information removed from my credit file, the items that I need deleted are going XXXX  be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission XXXX  have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant XXXX section XXXX of the Fair Credit Reporting Act.

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 2025-04-29 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: NC

Complaint narrative:
Subject : Inaccurate and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Information Services LLC TransUnion , LLC Experian Information Solutions , Inc . 

Product : Credit Reporting Sub-product : Credit report Issue : Incorrect information on credit report Sub-issue : Inconsistent account details across credit bureaus Complaint Details : This complaint concerns the XXXX credit card account ( Account ending in XXXX ) appearing on all three of my credit reports. The reporting is materially inconsistent, and the errors reflect neglect or failure to follow the Fair Credit Reporting Act ( FCRA ) by all three credit bureaus and possibly the data furnisher ( XXXX ). 

Key Issues : Balance : All bureaus report a balance of {$1700.00}. 

XXXX XXXX : Equifax/TransUnion XXXX {$1700.00} ( 99 % utilization ) Experian : {$1000.00} ( 172 % utilization ) This is impossible and severely impacts my credit score. 

Worst Delinquency : Equifax : XXXX days past due TransUnion : XXXX days past due Experian : XXXX days delinquent These discrepancies show an egregious lack of consistency in the reporting of derogatory credit data. They are not due to timing ; the same periods reflect materially different derogatory statuses. 

The account is closed, yet it remains highly derogatory and inaccurately reported across agencies, with no cohesive resolution. 

Violations : FCRA 1681e ( b ) The CRAs have failed to ensure maximum possible accuracy in credit reporting.

FCRA 1681i ( a ) If this account was previously disputed ( as were others ), the bureaus failed to correct or remove unverifiable/inaccurate information.

FCRA 1681s-2 ( b ) The furnisher ( XXXX ) may be continuing to furnish inconsistent or inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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 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

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 2025-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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