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: 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 discharged, 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 XXXXXXXX XXXX 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 discharged, 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 XXXXXXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputed this account for many Months now and I am again told the account is verified as accurate. 

In XX/XX/XXXX, I entered into a settlement agreement with the creditor, and since then, have been paying monthly on time through autopay without fail. However, my credit report continues to reflect multiple inaccurate late payments, including a recent 30-day late payment as of XX/XX/XXXX, while payments are being actively and automatically withdrawn by the creditor. 
THE BALANCE IS ALSO WRONG This reporting is inaccurate, misleading, and damaging, and Experian has failed to conduct a reasonable investigation or correct the reporting as required by law.

This behavior constitutes noncompliance with FCRA obligations under 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ).

If Experian does not correct these inaccuracies immediately and remove the erroneous late payments from my credit report, I will be filing a Small Claims lawsuit for willful and/or negligent violation of my rights 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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was looking g time Capital one client someone had use some information from and used my bank account to make deposit to this company online betting called XXXX  which never had business with them I send Police report to Capital one and proof that was fraud na XXXX doesn't have any customer service number and Capital one what they did reverse all.my money and overdraft my account {$920.00} and close my account like I was criminal so they believe mire the merchant than me as client

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My account was wrongfully flagged for bad activity, when no one else has ever used my account. After providing documentation, they still chose to close my account, locking my money inside. There is no way to contact support.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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
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: VA

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
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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 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: EQUIFAX, INC.
State: TX

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 2025-04-29 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: WA

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 2025-04-29 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
No access to live representative for account inquiries. When needing to take care of matter of my account, I can only get assistance via text messaging.

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:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Pulled my reports and seen LVNV Funding reporting - I have send over letters to figure out what it is and validate this debt - I have not heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
i have many accounts on my report that are not mine and i want them removed asap

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I purchased a dining set through Macys.com using my Macys credit card. This purchase was made on XX/XX/year>. I returned this item to Macys and UPS sent me verification of the return being delivered. I have contacted Macys four separate times now to get my refund. They said it was sold by a third party via Macys.com and they see they did receive the return and do not know why they have not refunded the amount ( {$1200.00} ). This keeps happening everytime I call I am told they will escalate the claim and Macys will refund my account directly and it does not happen.

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 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: GA

Complaint narrative:
Identity theft/ fraud. Someone took out multiple loans in my name through XXXX. Called the company but they wouldn't speak to me about it. Asked for their address but they refused to give me that information. There is also no address listed for them through the credit bureau.

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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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