vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
This same account was on my credit back in XXXX and was removed by the company once I talked to someone over the phone and they were unable to prove that this account was mines. Now it is XX/XX/XXXX and this same account is back on my credit report and is now a debt collection that I have no knowledge about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting a complaint against Equiafax, XXXX, and XXXX XXXX, for their failure to remove inaccurate accounts from my credit report, which ia a direct violation of the Fair Credit Reporting Act ( FCRA ) Despite providing the necessary documentation to prove the inaccuracies. All three Credit Bureau has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30 day period 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) any information found to be inaccurate, incomplete, or unverifiable must be promptlv deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX XXXX  Late Payments, 15 U.S.C.1666b, 15 U.S.C.1637 ( b ) 15 U.S.C.16815-2 15 U.S.C.1681i XXXX XXXX Child Support, 15 U.S.C.1681i 15 U.S.C.16815-2 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

I have XXXX things in collection, Delete Collections 12 CFR 1006.34C 12 CFR 1006.6C 15 USC 1681s-2 ( A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
My credit report shows that I owe {$190000.00} to XXXX. In my XXXX credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to XXXX as of XX/XX/year> is {$18000.00}. 
XXXX, TransUnion, and XXXX reflect that I owe XXXX {$190000.00}. 
I created a dispute for all three credit bureaus and XXXX today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in Illinois for first time home buyers. This is a mortgage loan program and I close on my home XX/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 2025-02-04 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: OH

Complaint narrative:
My credit report shows that I owe {$190000.00} to XXXX. In my Equifax credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to XXXX as of XX/XX/year> is {$18000.00}. 
XXXX, XXXX, and Equifax reflect that I owe XXXX {$190000.00}. 
I created a dispute for all three credit bureaus and XXXX today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in XXXX  for first time home buyers. This is a mortgage loan program and I close on my home XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
My credit report shows that I owe {$190000.00} to XXXX. In my XXXX credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to XXXX as of XX/XX/year> is {$18000.00}. 
Experian, XXXX, and XXXX reflect that I owe XXXX {$190000.00}. 
I created a dispute for all three credit bureaus and XXXX today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in XXXX  for first time home buyers. This is a mortgage loan program and I close on my home XX/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 explanation
Consumer complaint received 2025-02-04 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Subject : URGENT - Final Request for Issuance of 1099-C Form and Notice of Legal Action To Whom It May Concern, OneMain Financial Corporate Dept This letter serves as my fourth request for OneMain Financial to provide me with a 1099-C Cancellation of Debt form for account number XXXX. Despite multiple requests sent via certified mail, you have failed to comply, yet you have reported this account as charged off to the credit bureaus and subsequently sold the debt to a collection agency.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors are required to furnish accurate and complete information to credit reporting agencies. The failure to provide a 1099-C while reporting the account as charged off constitutes a misrepresentation of my financial status and a violation of federal law.

Additionally, under IRS regulations ( 26 U.S.C. 6050P ), a creditor is required to issue a 1099-C when a debt of {$600.00} or more is canceled or forgiven. Your failure to comply with this requirement is not only a violation of tax law but also an act of fraud, as you continue to report this account in a manner inconsistent with legal obligations. 

By knowingly failing to provide the 1099-C while still reporting the charged-off debt, OneMain Financial is in direct violation of the FCRA and IRS regulations , which constitutes an unfair and deceptive practice under federal consumer protection laws.

As such, I am formally notifying you that if I do not receive the requested 1099-C within 15 days from the date of this letter, I will pursue legal action for statutory damages as permitted under the FCRA ( 15 U.S.C. 1681n ), which allows for recovery of actual damages, punitive damages, and attorneys fees. Additionally, I will report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ).

To resolve this matter, you must : Immediately issue and mail my 1099-C form for the charged-off account.

Cease any further reporting of inaccurate information to the credit bureaus regarding this account.

Confirm compliance with this request in writing within 15 days.

Failure to comply will result in immediate legal action against OneMain Financial for its fraudulent reporting and willful violations of federal law. 

This is a final warning. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent an email as stipulated in my agreement that I was revoking their authorization to draft my account. They continued to attempt to draft my account in different methods, both XXXX and electronic checks, once on XX/XX/XXXX, and again on XX/XX/XXXX. I placed a stop payment on my account with my bank and had the items returned. They have now attempted to draft my account again for {$20.00} via electronic check on XX/XX/XXXX. They were not authorized to make any drafts to my account past XX/XX/XXXX. They can not draft my account once their authorization has been revoked, which it was, in writing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting verification of the following information : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off 4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations. 
Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report. 
Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation. The attached letter will give account number and proof of identification.

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 2025-02-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting verification of the following information : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off 4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations. 
Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report. 
Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation. The attached letter will give account number and proof of identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They are providing false and misleading information and using my credit score unlawfully Equifax breach my data They give me no money for relief because I didnt make the claim deadline and they are still breaching my data and providing false credit scores on my reports XXXX XXXX XXXX XXXX- was provided a score of XXXX on XXXX via Equifax XXXX was provided a score of XXXX on XXXX via Equifax This is in clear violation of 15 USC I want remedy now And I want Credit relief from this happening again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Dillard 's account was closed. They set up XXXX autopays and told me my account would be XXXX balance and account closed on the phome it was recorded. I now have a collection account for XXXX dollars. This is bs

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 2025-02-04 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: FL

Complaint narrative:
Accounts Information : XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Incorrect reporting, derogatory charge-off status inaccurate. 
Relevant Law : FCRA 1681e ( b ) - Accuracy of Information. 

XXXXXX/XX/XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Inaccurate status listed as paid, balance still inaccurately reported. 
Relevant Law : FCRA 1681g ( a ) - Disclosures to Consumers. 

XXXX XXXX ( 1st Account ) REPORTED MULTIPLE TIMES!! 
Account Number : XXXX Reason for Removal : Incorrect reporting of a paid account as derogatory, violating consumer dispute resolution guidelines. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XXXX XXXX ( 2nd Account ) Account Number : XXXX Reason for Removal : Derogatory charge-off status without proper validation and dispute resolution. 
Relevant Law : FCRA 1681s-2 ( a ) - Responsibilities of Furnishers of Information . 

XXXX XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off and collection status without proper validation. 
Relevant Law : Deletion of Collections 15 U.S. Code 1692 ( g ). 

XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts Information : XXXXXX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Incorrect reporting, derogatory charge-off status inaccurate. 
Relevant Law : FCRA 1681e ( b ) - Accuracy of Information. 

XXXXXX/XX/XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XX/XX/XXXXXXXX Account Number : XXXX Reason for Removal : Inaccurate status listed as paid, balance still inaccurately reported. 
Relevant Law : FCRA 1681g ( a ) - Disclosures to Consumers. 

XXXX XXXX ( 1st Account ) REPORTED MULTIPLE TIMES!! 
Account Number : XXXX Reason for Removal : Incorrect reporting of a paid account as derogatory, violating consumer dispute resolution guidelines. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed Information. 

XXXX XXXX ( 2nd Account ) Account Number : XXXX Reason for Removal : Derogatory charge-off status without proper validation and dispute resolution. 
Relevant Law : FCRA 1681s-2 ( a ) - Responsibilities of Furnishers of Information . 

XXXX XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off and collection status without proper validation. 
Relevant Law : Deletion of Collections 15 U.S. Code 1692 ( g ). 

XXXX Account Number : XXXX Reason for Removal : Improper reporting of charge-off status without proper validation. 
Relevant Law : FCRA 1681i ( a ) - Reinvestigations of Disputed 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 2025-02-04 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: GA

Complaint narrative:
Im reaching out because there are a few accounts on my credit report that I dont recognize, and theyre dragging my score down. I didnt open these accounts, and theyre definitely not mine.

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