vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: NY

Complaint narrative:
New Complaint to CFPB XXXX ( XXXX XXXX  ) Subject : Improper Charge-Off Credit Reporting in Violation of IRS Regulations & the Fair Credit Reporting Act ( FCRA ) Submitted By : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Product : Credit reporting or other personal consumer reports Issue : Improper charge-off reporting and continued derogatory reporting after debt cancellation Complaint Details : I am submitting this complaint specifically against XXXX XXXX  ( XXXX ) for continued unlawful reporting of a charged-off account on my credit report in violation of federal tax law and the Fair Credit Reporting Act ( FCRA ). 

Improper Charge-Off Reporting After Cancellation of Debt XXXX XXXX reported my XXXX account as charged off, and based on available documentation and standard procedures, it appears a Form 1099-C was issued to the IRS for cancellation of this debt . 

According to IRS regulations, once a creditor cancels a debt and reports it as income using IRS Form 1099-C, the creditor : Forfeits any right to continue collecting the debt, and Can not legally continue reporting the debt as an unpaid, active, or derogatory tradeline to credit reporting agencies. 

Despite this, XXXX XXXX  has continued to report this account on my credit file as a charged-off or unpaid debt, which is : A violation of IRS regulations ( amount canceled should not be reported as collectible ), and A violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of false or misleading information to credit bureaus. 

Applicable Laws Violated : IRS Regulations ( 1099-C Cancellation of Debt rules ) FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits reporting of inaccurate or misleading information FCRA 15 U.S.C. 1681e ( b ) Failure to maintain accurate and complete reporting procedures Relief Sought : Permanent deletion of the XXXX account from all credit reporting agencies.

Verification of whether a 1099-C was issued, and confirmation that all IRS regulations are being followed. 

A written statement from XXXX XXXX  confirming that the account is no longer collectible or reportable. 

A compliance investigation into XXXX XXXX  continued practice of reporting canceled debts in violation of tax and credit reporting laws. 

This complaint is submitted in good faith. Attached is my FTC Identity Theft Affidavit, and a summary of my previous broader CFPB complaint in which XXXX was a named creditor. 

Thank you for protecting consumers against unlawful reporting practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Phone : ( 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 2025-04-04 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: NY

Complaint narrative:
New Complaint to CFPB XXXX ( XXXX XXXX ) Subject : Improper Charge-Off Credit Reporting in Violation of IRS Regulations & the Fair Credit Reporting Act ( FCRA ) Submitted By : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Product : Credit reporting or other personal consumer reports Issue : Improper charge-off reporting and continued derogatory reporting after debt cancellation Complaint Details : I am submitting this complaint specifically against XXXX XXXX  ( XXXX ) for continued unlawful reporting of a charged-off account on my credit report in violation of federal tax law and the Fair Credit Reporting Act ( FCRA ). 

Improper Charge-Off Reporting After Cancellation of Debt XXXX XXXX reported my XXXX account as charged off, and based on available documentation and standard procedures, it appears a Form 1099-C was issued to the IRS for cancellation of this debt . 

According to IRS regulations, once a creditor cancels a debt and reports it as income using IRS Form 1099-C, the creditor : Forfeits any right to continue collecting the debt, and Can not legally continue reporting the debt as an unpaid, active, or derogatory tradeline to credit reporting agencies. 

Despite this, XXXX XXXX  has continued to report this account on my credit file as a charged-off or unpaid debt, which is : A violation of IRS regulations ( amount canceled should not be reported as collectible ), and A violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of false or misleading information to credit bureaus. 

Applicable Laws Violated : IRS Regulations ( 1099-C Cancellation of Debt rules ) FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits reporting of inaccurate or misleading information FCRA 15 U.S.C. 1681e ( b ) Failure to maintain accurate and complete reporting procedures Relief Sought : Permanent deletion of the XXXX account from all credit reporting agencies. 

Verification of whether a 1099-C was issued, and confirmation that all IRS regulations are being followed. 

A written statement from XXXX XXXX  confirming that the account is no longer collectible or reportable. 

A compliance investigation into XXXX XXXX  continued practice of reporting canceled debts in violation of tax and credit reporting laws. 

This complaint is submitted in good faith. Attached is my FTC Identity Theft Affidavit, and a summary of my previous broader CFPB complaint in which XXXX was a named creditor. 

Thank you for protecting consumers against unlawful reporting practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX : XXXX Phone : ( XXXX ) XXXX

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

Complaint narrative:
I am filing this complaint against [ Experian/Equifax/TransUnion ] for allowing XXXX XXXX  to continue reporting inaccurate and unverifiable information, despite my formal dispute. The account was closed in XX/XX/XXXX, yet they reported late payments nearly a year later. XXXX changed the closure date multiple times ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) and provided no billing statements or documentation of post-closure minimum payment terms. 
Despite this, [ Experian/Equifax/TransUnion ] continued to report : False late payments Inaccurate closure dates Contradictory statuses ( e.g., 100 % on-time with a past-due balance ) This violates the FCRA, specifically : 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate properly 1681i ( a ) ( 5 ) : Failure to delete unverifiable information

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 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I booked an XXXX  stay that clearly listed XXXX XXXX as an included amenity. Shortly after checking in on XX/XX/XXXX, the host informed me that the washer was broken and later claimed that laundry was never included, directly contradicting the listing at the time of booking. 

On XX/XX/XXXX, I contacted XXXX XXXX. A representative confirmed that the washer was listed as an amenity when I booked, and that the host removed it from the listing after my reservation was confirmed. I have screenshots documenting this exchange. 

Despite this, XXXX offered only a {$200.00} courtesy refund, which did not meaningfully address the misrepresentation or the failure to provide a key advertised amenity. 

The total cost of the XXXX  stay was paid in two installments : XX/XX/XXXX : Initial payment to secure the reservation XX/XX/XXXX : Second payment of {$1000.00}, processed just days before the misrepresentation came to light I am disputing the XX/XX/XXXX payment, made after the booking was fully committed and once it became clear that XXXX would not honor the amenities originally advertised. 

I submitted a debit card dispute to USAA, providing complete documentation. However, on XX/XX/XXXX, USAA denied the dispute, citing XXXX 's partial refund. That refund, however, was offered as a goodwill gesture, not as a resolution of the issue, and it did not reflect the actual financial loss resulting from the misrepresented service. 

I also submitted a dispute to XXXX, which financed the same XXXX booking. XXXX conducted a review and ruled in my favor, recognizing the listing was deceptive and that XXXX failed to deliver what was promised. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to review USAAs handling of this dispute. USAA failed to properly consider the evidence, dismissed my complaint based on a partial refund, and ignored the fact that another financial institution sided with me based on the same facts. 

This case involves XXXX 's deceptive business practices and USAAs failure to fulfill its obligations to me as a consumer under the Electronic Fund Transfer Act ( Regulation E ). 

I am seeking a full refund of the XX/XX/XXXX payment totaling {$1000.00}.

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 explanation
Consumer complaint received 2025-04-04 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper my Loan servicer has reported a dispute on my credit report causing my score to drop XXXX points on XXXX, hurting creditability. This company has been reporting negative items on my reports for some time now. I've already reported this company before to the CFPB. ( SEE ) YOUR FILES ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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

Complaint narrative:
Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/XXXX / XX/XX/XXXXXXXX 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 2025-04-04 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: FL

Complaint narrative:
XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX As a consumer, I requested to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 16811 ( 7 ) Method of verification. Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15USC ( 6 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available, by not later than 15 days after receiving a requested from the consumer for that description. 
Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXXXXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report iminediately XXXXXXXX XXXX XXXX XXXX XXXX - This account i : being reported inaccurately, please remove this from my credit report immediately XXXX XXXX  # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately this from my credit report immediately XXXX XXXX XXXXXXXX - This account XXXX XXXX reported inaccurately, please remove XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXXXXXX - This account is being reported inaccurately, please remove this from my credit report immediately 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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

Complaint narrative:
Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/XXXX / XX/XX/XXXXXXXX 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear XXXX, I hope this message finds you well. I am writing regarding the outstanding balance on my American Express account and to propose a resolution that reflects the strong relationship we have built since I opened the account in 2018. 

Throughout the years, I have appreciated the quality of service and financial support American Express has provided, particularly through my business card, which played a vital role in sustaining operations. While a recent dispute remains unresolved, my intention is to settle the matter amicably and restore our positive relationship. 

As a gesture of good faith, I propose a one-time payment of 25 % of the total outstanding balance as full and final settlement of the account. This offer is not an admission of liability, but rather a proactive effort to close this matter and demonstrate my commitment to maintaining a positive financial profile. 

In return, I respectfully request the following actions from American Express : XXXX. Full removal of any negative reports related to this account from all major credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Reporting of the account in good standing following the settlement.

3. Reinstatement of my business card, or consideration for a new account under similar terms, based on my past account performance and relationship with American Express since 2018. 

I trust that American Express will take into account my long-standing loyalty and good standing prior to this dispute. I am confident we can reach a mutually agreeable resolution and I welcome your timely response to this proposal. 

Thank you for your consideration and continued service. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed an FTC report, but I later discovered that there was a typo in the report name. I need to correct this error to ensure accuracy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year>, I tried using my do it card at several locations to get gas. Upon noticing my card being declined on contacted my bank via phone. The representative told me I had a freeze on my account and I cant access my funds. Later that same day I went to an in person branch and spoke with a branch manager who said my account was closed with suspected fraud and that I wont have access to my funds until the investigation is closed. There is zero reason my account should be flagged for fraud. I am now broke with XXXX dollars to my name.

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 2025-04-04 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: TX

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

Company response to consumer: Closed with non-monetary relief