vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Key Violations and Discrepancies : XXXX. Failure to Issue IRS Form 1099-C ( Potential Tax Fraud ) : Under IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a Form 1099-C when a debt of {$600.00} or more is canceled, charged off, or discharged. Truist has not provided this form despite reporting the account as " charged off '' and " unpaid balance reported as a loss. '' This omission constitutes tax fraud, as it misrepresents the debts status to both the IRS and the consumer. 
XXXX. GAAP Violations : GAAP requires creditors to write off charged-off debts and report them as {$0.00} balances. By continuing to report an {$11000.00} balance, XXXX XXXX violates the matching principle and revenue recognition standards, as the loss must be recorded in the same period as the charge-off. This misrepresentation artificially inflates liabilities on my credit profile. 
XXXX. Inaccurate and Duplicative Reporting : - Last Reported '' Date : The account is inaccurately listed as " Last Reported : XX/XX/XXXX '' ( a future date ), which is impossible and constitutes fraudulent reporting. 
- Date Last Active '' : The account is marked as " Last Active : XX/XX/XXXX, '' yet it continues to be reported monthly as derogatory, violating FCRA requirements for accuracy. 
- Double Reporting : The {$11000.00} balance is listed as both " XXXX '' and " XXXX XXXX, '' creating a duplicate reporting error that misleads creditors about the debts actual status.

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 2025-04-15 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: NV

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 2025-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XX/XX/year> - Opened a XXXX CD for {$85000.00} with the interest to be put back into the CD monthly. 
XX/XX/year> - the first interest amount was posted ( {$240.00} ) and immediately it was deducted. 
XX/XX/year> - called the bank and spoke to the person who opened the CD. We were told that their " XXXX '' system was doing this for other accounts... setting up the monthly interest to be distributed as a hard check. We did not authorize that. The bank admitted it was their fault. Even worse, the check was supposed to have been sent to our other home XXXX miles away in Delaware. We were told that they would fix the issue XX/XX/year> - Called the bank. Issue was not corrected, although we were told all new interest would be put back into the CD. We asked that the bank stop payment on their check they issued in error and simply redeposit the money into our account. We were told they were working on it. 
XX/XX/year> - Received a call that they were " still working on it '' XX/XX/year> - Verified that the XXXX interest was redeposited into the CD. Still no XXXX interest. Tried calling the bank the last XXXX days during business hours and no one answers the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Dispute with FCO collections and XXXX XXXX : We lived in the XXXX crossing community for approximately XXXX years without any issues. Last spring my wife and I relocated from XXXX PA to XXXX SC for a government job. Over the years we developed a good working relationship with office staff at XXXX XXXX and the ladies in the leasing office were professional and kind. We spoke with the XXXX XXXX office staff and let them know we would be moving as early as XXXX. However, we could not provide the exact move out day until the government informed me of my start date. We moved out in XXXX and paid for the full month of XXXX even though we left prior to the end of the month. After our move we received a bill from XXXX crossing saying we owed rent for XXXX and XXXX because we did not give an official " written '' notice of our move. We refused to pay rent for these XXXX months when we did not live in the apartment. We informed them that we have emails from their office staff confirming our conversations and indicating that they knew we were moving! I've attached emails below indicating that XXXX XXXX was aware of our upcoming departure as they helped us prepare for the move. However, they refused to go to court to adjudicate this matter. Instead they sold the debt to a collections agency which refuses to drop these punitive, unjust charges or meet us in court. Instead they want to try and bully us by destroying our 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 2025-04-15 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand proof Equifax contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated accounts a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX on XX/XX/XXXX under the account number XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent accounts appearing on my consumer XXXX credit report. Attached you will find the crime reports ( XXXX ) and ( XXXX ) for the fraudulent accounts, XXXX XXXXXXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 2025-04-15 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:
I filed a dispute on XXXX XXXX account number XXXX XXXX XXXX XXXX due to the information reporting inaccurate on my experian credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispite results. This aligns well with my situation! .Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances on getting ( house, car, etc ). Experian violates my rights as a consumer, as well as federal laws.

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 2025-04-15 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am currently seeking a preapproval for a new home and will be selling my old home soon. When my new home 's lender ran my credit report, they notified me that my mortgage was reported as late multiple times by PennyMac. I have never made a late payment and was concerned about how this could have come up on my credit report. I along with XXXX of the people from the other loan company called PennyMac on XX/XX/year> and were on the phone with them for around XXXX hours. Throughout this time, we were notified that there had indeed been a mistake made as I was on a forbearance plan both times they marked me delinquent. I need a written document stating that this was a mistake so that I can secure a new home and they have yet to be able to provide me with XXXX despite being transferred to XXXX different representatives during the two-hour phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NM

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This dispute is in regard to my Equifax account that displays multiple negative accounts on my credit report that are either outdated incorrect or illegally handled. As far as the charge off accounts including XXXX XXXX XXXX  XXXX and XXXX XXXX  XXXX these accounts were closed and written off without my knowledge. the account XXXX and XXXX XXXX XXXX is a illigiamate collections account that does not belong on my report. Due to codes 15 usc 1692c, 15 usc 1692g b, and 15 u.S code 1681eb have been violated. There are unexplained additional charges and no information regarding the transfer and validation of debt was given to me. Experian Equifax and Transunion all have different information regarding these accounts so i insist a though investigation takes place between all XXXX major credit bureaus. Last dispute i submitted was not thoroughly investigated and dismissed with no explanation. Remove all illegitimate outdated and illegal accounts off my credit report until you can prove no violations were broken and these debts are valid. Equifax is in violation of 15 usc 1635, 15 usc 1692g, 168 e b, and 15 USC 1691 N. therefore i will like all Falsey negative accounts removed from my account till a proper investigation is conducted and Equifax can prove they havent violated the Cfpb FCRA and cft guidelines in writing.

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 2025-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
I checked my credit report years ago and noticed there was a debt in collections for a XXXX XXXX bill. I have never had sprint service and have had XXXX for the last 20 years. Someone opened an account under my name using my information. I filled out XXXXXXXX XXXX fraud packet which required filing a police report which I did. Subsequently, the debt was removed from my credit report in XXXX. Jefferson Capital bought the debt from sprint and is now claiming that I am in collections again. I filed another police report and disputed the debt via XXXX. They did not resolve the issue and I have been dealing with this ding on my credit score/report for over 5 years now. I am fed up and need help erasing the fraudulent debt from my name as it has been following me around and making significant financial purchases difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint bc my credit is reporting unauthorized accounts. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under XXXX5USC 1681 S2A, furniture must report accurate information under 15 USC 1681 i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting. Accounts are listed and attached to FTC report. Account XX/XX/XXXXAll inquiries dated before XX/XX/year> are unauthorized and should be removed due to 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 2025-04-15 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: VA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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