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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Reached out with a letter to dispute, [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] [ Credit Bureau/ Creditor Name ] [ Address ] [ City, State , ZIP Code ] Subject : Dispute of Charged-Off Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a " charged-off '' or " closed/canceled '' account on my credit report. Under relevant tax laws and consumer protection statutes, a charged-off debt is considered a **Certificate of Indebtedness** and is classified as income to the creditor per the Internal Revenue Code ( IRC ).

Internal Revenue Code ( IRC ) 26 U.S.C. 61 ( a ) ( 12 ) ** - Cancellation of debt is recognized as income to the creditor. Therefore, if the debt has been charged off or canceled, it has been resolved for tax purposes and should not be reported as an outstanding obligation against me. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e** - It is unlawful to report misleading or inaccurate information about a debt. If a debt has been charged off, there is no legitimate basis to continue reporting it as an owed obligation. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2** - Credit furnishers have a legal obligation to ensure maximum possible accuracy. Reporting a charged-off account as still collectible is misleading and constitutes an unfair practice.

Truth in Lending Act ( TILA ) 15 U.S.C. 1601** - Lenders and creditors must act in good faith and with full disclosure. If a debt has been charged off, no further collection activity should occur, including continued negative reporting.

Thank you

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Reached out with a letter to dispute, [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] [ Credit Bureau/ Creditor Name ] [ Address ] [ City, State , ZIP Code ] Subject : Dispute of Charged-Off Account and Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a " charged-off '' or " closed/canceled '' account on my credit report. Under relevant tax laws and consumer protection statutes, a charged-off debt is considered a **Certificate of Indebtedness** and is classified as income to the creditor per the Internal Revenue Code ( IRC ).

Internal Revenue Code ( IRC ) 26 U.S.C. 61 ( a ) ( 12 ) ** - Cancellation of debt is recognized as income to the creditor. Therefore, if the debt has been charged off or canceled, it has been resolved for tax purposes and should not be reported as an outstanding obligation against me. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e** - It is unlawful to report misleading or inaccurate information about a debt. If a debt has been charged off, there is no legitimate basis to continue reporting it as an owed obligation. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2** - Credit furnishers have a legal obligation to ensure maximum possible accuracy. Reporting a charged-off account as still collectible is misleading and constitutes an unfair practice.

Truth in Lending Act ( TILA ) 15 U.S.C. 1601** - Lenders and creditors must act in good faith and with full disclosure. If a debt has been charged off, no further collection activity should occur, including continued negative reporting.

Thank you

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) Against them for similar violations. I Request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate ( 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 2025-02-04 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: FL

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 credit report, they are hurting my hability to obtain credit

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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I do not have a contract nor did l authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents and the company/agency failed to provide the requested document. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I tried to make a purchase on XXXX XXXX but they said their XXXX was only good in the United States unlike my other XXXX  Cards both debt and credit which work fine purchasing things there. 
Also, they had this purchase power thing that looked like available funds but it was maybe how much you could get on their XXXX. 
And on top of everything they took {$280.00} from my bank account for XXXX and i had no order for this amount or authorized it to be taken out. 

So they are a total fraudulent company, by the way they do business by taking unauthorized funds and advertising a card as a XXXX card when it is not a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness. 

Upon reviewing my credit report, I discovered XXXX XXXX XXXX XXXX # XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter.

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
There is incorrect information on a closed account that I have, on XX/XX/XXXX there is a late payment for XXXX of the XXXX credit card companies and another late payment on XX/XX/XXXX. I never missed a payment on this account and as you can see from the picture below the other XXXX burreas did not submit a late payment. 

This is the the Wells Fargo credit card on my consumer 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 2025-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report. They are hurting my hability to get credit

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to dispute the inaccurate and unlawful reporting of a collection account on my credit report. This collection account, reported by AFFIRM violates both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 for the following reasons : 1. Failure to Validate the Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, if a debt is disputed, the collector must cease collection efforts until proper validation is provided. I previously requested validation, but the agency failed to comply.

2. Inaccurate or Outdated Reporting Under the FCRA, 15 U.S.C. 1681c, negative information, including collections, must not be reported beyond the legally allowed timeframe. If this account is outdated, it must be removed.

3. Unauthorized Reporting or Misrepresentation If this collection account was inaccurately reported, duplicated, or lacks verifiable proof of legitimacy, it constitutes a violation of both the FDCPA and FCRA, and must be corrected or removed immediately. 

I have attached several supporting documents in my disputes letters, including correspondence and prior disputes, to support my claim. Under federal law, you are required to investigate and respond within 30 days. If this account can not be verified or has been reported unlawfully, it must be deleted from my credit report.

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

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain fair and accurate reporting of my credit file in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. Despite my formal dispute submitted to Experian regarding inconsistencies and inaccuracies on my credit report, they have failed to correct or remove the erroneous account information. 

The account in question ( XXXX OF XXXX ) contains multiple inconsistencies across the three credit bureaus ( Experian, TransUnion, and Equifax ) , including : Date of Last Activity : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian. 
High Balance Discrepancies : Reported as {$370.00} by TransUnion and Experian but {$300.00} by Equifax. 
Date Opened Discrepancies : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian and Equifax. 
Date Reported Inconsistencies : Differing reporting dates across all bureaus, with Experian last reporting on XX/XX/XXXX, which questions the accuracy of verification. 
Credit Limit Differences : {$300.00} on TransUnion and Experian but {$0.00} on Equifax.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Given the multiple reporting errors and discrepancies, I formally requested that Experian verify or delete this account as required by law. However, they have failed to provide proper verification or correct the errors.

As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any inaccurate, incomplete, or unverifiable information must be removed from my credit report, yet Experian continues to report this account inaccurately. This is a direct violation of my rights under the FCRA, and their failure to correct these errors is causing financial harm, including potential denials for credit and higher interest rates.

I request that the CFPB take immediate action against Experian to ensure compliance with federal law and hold them accountable for their failure to maintain accurate consumer credit reports. I am seeking : 1. The immediate deletion of this inaccurate account from my Experian credit report.

2. A formal investigation into Experians failure to follow FCRA guidelines regarding reinvestigation and verification.

3. Any necessary enforcement actions to prevent further FCRA violations.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain fair and accurate reporting of my credit file in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. Despite my formal dispute submitted to Experian regarding inconsistencies and inaccuracies on my credit report, they have failed to correct or remove the erroneous account information. 

The account in question ( XXXX OF XXXX ) contains multiple inconsistencies across the three credit bureaus ( Experian, TransUnion, and Equifax ) , including : Date of Last Activity : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian. 
High Balance Discrepancies : Reported as {$370.00} by TransUnion and Experian but {$300.00} by Equifax. 
Date Opened Discrepancies : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian and Equifax. 
Date Reported Inconsistencies : Differing reporting dates across all bureaus, with Experian last reporting on XX/XX/XXXX, which questions the accuracy of verification. 
Credit Limit Differences : {$300.00} on TransUnion and Experian but {$0.00} on Equifax.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Given the multiple reporting errors and discrepancies, I formally requested that Experian verify or delete this account as required by law. However, they have failed to provide proper verification or correct the errors.

As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any inaccurate, incomplete, or unverifiable information must be removed from my credit report, yet Experian continues to report this account inaccurately. This is a direct violation of my rights under the FCRA, and their failure to correct these errors is causing financial harm, including potential denials for credit and higher interest rates.

I request that the CFPB take immediate action against Experian to ensure compliance with federal law and hold them accountable for their failure to maintain accurate consumer credit reports. I am seeking : 1. The immediate deletion of this inaccurate account from my Experian credit report.

2. A formal investigation into Experians failure to follow FCRA guidelines regarding reinvestigation and verification.

3. Any necessary enforcement actions to prevent further FCRA violations.

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: FL

Complaint narrative:
Dispute of Inaccurate Information Under FCRA Section 605B, 15 U.S.C. 1681i, 15 U.S.C. 1601, and 15 U.S.C. 1692 Dear Sir/Madam, I am writing to dispute certain items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). The disputed information includes a charge-off entry, late payment reports, and outdated addresses that do not reflect the accurate status of my accounts and personal information. I request that these items be investigated and corrected in accordance with the applicable laws.

Incorrect Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$19000.00} written off.

{$19000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$19000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$18000.00} Highest Balance : {$19000.00} Terms : - On Record Until : XX/XX/XXXX I believe this information is inaccurate due to the following reasons : 1. Charge-Off and

15 U.S.C. 1601 ( Truth in Lending Act ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 ), creditors must accurately report the status of charged-off accounts, including the original balance and any interest. If the charge-off information is incorrect or misrepresented, it must be corrected to comply with the law. I request verification and correction of the reported balance and past due amounts, as they may not reflect the accurate status of this account. 2. Late Payments and 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) mandates that any late payment reports accurately reflect the status of the account. If the reported late payments on this account are erroneous, I request that they be investigated and corrected to ensure compliance with this law. 3. FCRA Section 605B and 15 U.S.C. 1681i : Under Section 605B of the FCRA, outdated information should be removed from my credit report. Furthermore, 15 U.S.C. 1681i requires that inaccurate or incomplete information be corrected or removed within 30 days of receiving this dispute. I request that you investigate the charge-off entry and outdated addresses listed on my report and update my file accordingly.

Company response to consumer: Closed with explanation