vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing regarding my Capital One account which was written off and reported as a charge-off on my credit report. I have not received a Form 1099-C, Cancellation of Debt, as required by federal law for canceled debts of {$600.00} or more. I demand the following : ( 1 ) confirmation that the debt has been written off, ( 2 ) immediate issuance of a Form 1099-C if the debt was canceled, ( 3 ) removal of this account from my credit reports, and ( 4 ) cessation of any collection efforts.

Under Internal Revenue Code ( IRC ) Section 6050P ( 26 U.S.C. 6050P ), applicable financial entities, including Capital One Auto Finance, must file Form 1099-C with the IRS and furnish a copy to the debtor when a debt of {$600.00} or more is canceled due to an identifiable event, such as a decision to discontinue collection or actual discharge of the debt. The IRS regulations ( 26 C.F.R. 1.6050P-1 ) specify that failure to issue a 1099-C when required may result in penalties and misreporting of taxable income. Since Capital One reported this account as charged off, suggesting the debt was deemed uncollectible, you were obligated to issue a Form 1099-C if the canceled amount meets the threshold. Your failure to provide this form violates federal tax reporting requirements and may have caused inaccuracies in my tax filings.

Additionally, reporting this account as a charge-off on my credit report without issuing a Form 1099-C raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers like Capital One to report accurate and complete information to credit reporting agencies. If the debt was not canceled, reporting it as a charge-off may be misleading and violate FCRA accuracy obligations. If the debt was canceled, your failure to issue a 1099-C and continued reporting of the account as collectible could be considered inequitable, as noted in cases such as * In re Reed * and * In re Lukaszka * ( Bankr. N.D. Iowa 2017 ), where courts found it unfair to report canceled debt as collectible while treating it as income for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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 XXXX Account Number : XXXX Charge Off Date XX/XX/XXXX Experian is showing multiple months of " CO '' ( charge-off ) after the initial chargeoff date. 
The FCRA requires accuracy and clarity Once an account is charged off, it should not continue to update monthly as a fresh chargeoff. 
Inaccurate past due balance The account shows {$8300.00} written off but {$10000.00} past due this is inaccurate and misleading reporting. 
Re-Aging or Improper Timeline If this account first became delinquent in early XXXX and was charged off in late XXXX or early XXXX, the clock for the 7 year rule starts at first delinquency, not chargeoff. 
The FCRA mandates deletion 7 years from the original delinquency, not when the account was finally charged off. If Experian resets or reages the delinquency date, thats illegal under FCRA.

Unclear Reporting Experian 's failure to maintain consistent and accurate records, which violates FCRA 607 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CT

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 explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
Specifically, I request the removal of the following hard inquiries, which I believe are erroneously reported on my Experian credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition , I am seeking the removal of late payments from the following accounts, which I believe are inaccurately reported and should be removed from all three credit bureaus : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided documentation to support my claims regarding these inaccuracies, including proof of payments and correspondence with the respective creditors. I urge you to review this information thoroughly and take immediate action to correct my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information in my credit report. Therefore, I kindly request that you investigate these matters and provide me with a written response detailing the actions taken regarding my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally report that my personal data has been compromised in a recent security breach, and this incident has significantly and negatively affected my credit report. I have reason to believe that unauthorized parties may have gained access to my sensitive, personal, and financial information, including but not limited to my full name, date of birth, address, banking details, and possibly my identification documents. Unauthorized inquiries were opened without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im writing to dispute an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act. The information does not meet the standard of maximum possible accuracy, as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: VW Credit
State: NJ

Complaint narrative:
company charge off the vehicle but still reporting full balance on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIANXXXX XXXX XXXX XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing a complaint against Chime due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically, XXXX XXXX  failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist 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 2025-05-22 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: MI

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unfair credit reporting by XXXX XXXX XXXX. 

The account associated with my auto loan ( Account ending in XXXX ) was charged off and repossessed in late 2023. XXXX XXXX has since sold or transferred this account to NCB Management Services. However, they continue to report a {$24000.00} charge-off, with repeated monthly updates indicating the charge-off is current. 

Under the Fair Credit Reporting Act ( FCRA ), once a debt is sold, the original creditor must report a {$0.00} balance and mark the tradeline as transferred/sold. Continued charge-off reporting is misleading and harmful. 

I respectfully request that the CFPB review this issue and require XXXX XXXX to : Correct the reporting to reflect a {$0.00} balance XXXX the debt was transferred/sold XXXX any further charge-off notations or updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to report only accurate, complete, and verifiable information. 

The following accounts are being reported inaccurately, contain incomplete or unverifiable data, and/or violate multiple provisions of the FCRA : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2800.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2400.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$890.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$49000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$180000.00} | Status : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$600.00} | Status : Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$3700.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | High Balance : {$2600.00} | Status : Charge Off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1400.00} | Status : Collection Many of these accounts appear to be inaccurately reported, outdated, or unverifiable. I am demanding that you : Conduct a reinvestigation into each disputed item listed above in accordance with FCRA 611 ( 15 U.S.C. 1681i ). 

Delete any item that can not be verified with legally sufficient evidence within the XXXX reinvestigation period. 

Provide me with copies of any documentation used to verify the accuracy and legitimacy of these accounts, including original signed contracts and payment history records. 

Ensure compliance with Metro 2 and e-OSCAR standards when handling this dispute. 

If any of these items are found to be inaccurate or unverifiable and are not removed, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Failure to comply with federal law subjects your agency to legal consequences including damages under 15 U.S.C. 1681n and 1681o. 

Please mail the results of your reinvestigation and an updated copy of my credit report to the address listed above.

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