vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
" XXXX XXXX XXXX XXXXi is reporting account # XXXX  as charged off on my credit report with a balance of {$0.00}. This account was closed on XX/XX/2024 and appears to have been transferred to another lender. 
I dispute the validity of this charge-off for the following reasons : XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX 's failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement and the XXXX. 
Under the Doctrine of Accord and Satisfaction, if XXXX has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
The account shows inconsistent reporting across credit bureaus and contains inaccurate information. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by 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 non-monetary relief
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXi is reporting account # XXXX as charged off on my credit report with a balance of {$0.00}. This account was closed on XX/XX/year> and appears to have been transferred to another lender. 
I dispute the validity of this charge-off for the following reasons : XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX 's failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement and the FCBA. 
Under the Doctrine of Accord and Satisfaction, if XXXX has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
The account shows inconsistent reporting across credit bureaus and contains inaccurate information. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX and XXXX FCU for violating my privacy rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 and 15 USC 1681 Section 604 ( a ), as well as improperly reporting a late payment on my credit card account in violation of 15 USC 1666b of the Truth in Lending Act ( TILA ). These actions have infringed upon my federally protected rights and caused me significant financial harm and distress.

Under 15 USC 1681 Section 602, Congress has recognized the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Additionally, 15 USC 1681 Section 604 ( a ) limits the circumstances under which a consumer reporting agency may furnish a consumer report, requiring a permissible purpose such as my written consent, a court order, or a legitimate business need as defined by the statute. Recently, I discovered that my credit report was accessed without my authorization and personal information was shared with a third party. I did not provide written consent for this action, nor was it conducted pursuant to any court order or permissible purpose under 15 USC 1681 Section 604 ( a ).

Furthermore, under 15 USC 1666b, a creditor is prohibited from treating a payment as late for any purposeincluding reporting to a consumer reporting agencyunless the payment was received after the due date AND the creditor provided a billing statement at least 21 days prior to that due date. In my case, XXXX XXXX reported late payments on my account to XXXX, XXXX, and TransUnion. However, the billing statement was not provided to me at least 21 days prior to the due date, as required by law. Despite this, the late payment was inaccurately reported, damaging my XXXX XXXX and reputation. 
These actions have caused me emotional distress, financial uncertainty, and a lower credit score. I am therefore requesting that the Consumer Financial Protection Bureau investigate these violations and enforce my rights under the FCRA and TILA. 

Please feel free to contact me at XXXX or XXXX if you require further information or clarification. I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 
Thank you for your assistance in protecting my consumer rights. 
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 2025-03-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MO

Complaint narrative:
After looking at my credit report I see numerous things wrong that I been trying to fix for over a year still no results XXXX XXXX XXXX XXXX XXXX XXXX  This is not my address I never lived or even been to Texas and whoever this is got a loan on my name XXXX XXXX XXXX XX/XX/XXXX Credit acceptance XX/XX/XXXX Credit acceptance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
In an alleged retaliation for Complaining against FCRA Violations by XXXX XXXX to the CFPB on XXXX over 30 days ago, the amount of time alotted by the FCRA rules for disputes. I have confirmed with XXXX that XXXX XXXX was the one that reported that I was deceased. They have illegally and erroneously submitted to the Credit Reporting Agencies as of yesterday XX/XX/year>2025, the information that I am " DECEASED ''. This has removed my score, my ability to review my credit and/or dispute. I now I have to reach out to all 3 CRAs to dispute this. This reporting has severe consequences on my credit. 

XXXX XXXX is guilty of the following : Fair Credit Reporting Act ( FCRA ). Specifically : Section 623 ( a ) ( 1 ) ( A ) of the FCRA prohibits furnishers from reporting information to consumer reporting agencies that they know or have reasonable cause to believe is inaccurate. Reporting a living person as deceased clearly falls under this category.

Section 623 ( b ) outlines the duties of furnishers to investigate disputes. If the consumer disputes the " deceased '' status, the furnisher is required to conduct a reasonable investigation and correct the error promptly.

Such an error can also lead to violations of the Equal Credit Opportunity Act ( ECOA ) if it results in discriminatory treatment, such as denial of credit based on the inaccurate " deceased '' status.

I hope that the CFPB takes extreme actions against this unethical and retaliatory company that has done this allegedly intentionally to severely affect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for ongoing violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX and Metro 2 credit reporting standards. The account in question ( ending in XXXX ) is being reported with a charge-off status and {$10000.00} past due balance, yet the data reflected on my Experian credit report contains serious inconsistencies, unverifiable entries, and violations of mandatory compliance guidelines. 

Despite being marked as a charge-off, XXXX continues to report monthly delinquencies well after the account was closed, which is a Metro 2 violation. According to the Metro 2 format, an account that is charged off must report a {$0.00} past due balance and must not reflect rolling late payments post-charge-off. Reporting monthly charge-off indicators ( CO ) without field-level documentation proving continued delinquency is deceptive, misleading, and a direct violation of 15 U.S.C. XXXXe ( b ) which mandates the maximum possible accuracy of consumer information. 

I have not received any verifiable documentation from the furnisher to support this reportingno signed contract, payment history records, or internal investigation findings. If XXXX can not furnish documented proof validating each Metro 2 field ( such as Field XXXXXXXX XXXX, Field XXXX XXXX XXXX CXXXXe, and Fields XXXX Payment History Profile ), this item must be immediately removed under federal law.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for ongoing violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX and Metro 2 credit reporting standards. The account in question ( ending in XXXX ) is being reported with a charge-off status and {$10000.00} past due balance, yet the data reflected on my Experian credit report contains serious inconsistencies, unverifiable entries, and violations of mandatory compliance guidelines. 

Despite being marked as a charge-off, XXXX continues to report monthly delinquencies well after the account was closed, which is a Metro 2 violation. According to the Metro 2 format, an account that is charged off must report a {$0.00} past due balance and must not reflect rolling late payments post-charge-off. Reporting monthly charge-off indicators ( CO ) without field-level documentation proving continued delinquency is deceptive, misleading, and a direct violation of 15 U.S.C. XXXXe ( b ) which mandates the maximum possible accuracy of consumer information. 

I have not received any verifiable documentation from the furnisher to support this reportingno signed contract, payment history records, or internal investigation findings. If XXXX can not furnish documented proof validating each Metro 2 field ( such as Field XXXXXXXX XXXX, Field XXXX XXXX XXXX CXXXXe, and Fields XXXX Payment History Profile ), this item must be immediately removed under federal law.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB Complaint Statement Creditor/Furnisher : XXXX XXXX XXXX Account Number : XXXX ( partial for privacy ) Issue : Improper Charge-Off Reporting, Inaccurate Payment History, Metro 2 & FCRA Violations I am filing this formal complaint against Sensible Auto Lending for reporting inaccurate, incomplete, and non-compliant information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards XXXX 

Violations & Inaccuracies : XXXX. Improper Charge-Off and Past Due Reporting : Sensible Auto Lending reported this account as charged off with a past due balance of {$21000.00}. According to Metro 2 guidelines, once an account is written off as a charge-off, it should no longer accrue or carry a past due status unless the account is still being serviced and billed. There is no proof of ongoing billing or servicing, which makes this reporting misleading and potentially unlawful under 15 U.S.C. 1681e ( b ).

2. Re-Aging of Debt : The payment history profile shows a CO ( charge-off ) status in XX/XX/XXXX, despite the last payment date being XX/XX/XXXX, and the charge-off status being reported in XX/XX/XXXX. A charge-off is a one-time event, not a recurring status. Continuously updating it as CO beyond the charge-off date is considered re-aging the account, a direct violation of Metro 2 compliance and deceptive to future creditors.

3. Missing & Incomplete Fields : Several fields, including original balance, payment frequency, and monthly payment, are missing. These omissions prevent proper validation of the accounts legitimacy and violate the requirement for maximum possible accuracy as defined under 15 U.S.C. 1681s-2.

4. Failure to Comply with 15 U.S.C. 1681s-2 ( b ) : If a consumer disputes information directly with the CRA and furnisher, the furnisher is required to conduct a reasonable investigation and verify all data fields. No such documentation has been provided to me upon request.

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 2025-03-30 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - - XXXX XXXX  XXXX XXXX {$1900.00} {$1900.00} XXXX XXXX  XXXX XXXX {$17000.00} {$17000.00} XXXX  XXXX XXXX - - XXXX XXXX  Original Creditor XXXX XXXX  XXXX {$1200.00} - XXXX XXXX Original Creditor XXXX XXXX XXXX {$780.00} - XXXX XXXX  XXXX {$22000.00} {$22000.00} XXXX  XXXX XXXX - - INQUIRIES NOT RECOGNIZED XX/XX/year> TransUnion, Companies, Credit Cards Issued by Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX XXXX XXXX XX/XX/year> Capital XXXX Auto Customer service department XXXX, TX XXXX XXXX Dear Capital XXXX auto XXXX  Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on my Car loan account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments. 

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my FICO score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation. 

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals. 

I have always valued my relationship with XXXX XXXX XXXX  and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward. 

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - - XXXX XXXX  XXXX XXXX {$1900.00} {$1900.00} XXXX XXXX  XXXX XXXX {$17000.00} {$17000.00} XXXX  XXXX XXXX - - XXXX XXXX  Original Creditor XXXX XXXX  XXXX {$1200.00} - XXXX XXXX Original Creditor XXXX XXXX XXXX {$780.00} - XXXX XXXX  XXXX {$22000.00} {$22000.00} XXXX  XXXX XXXX - - INQUIRIES NOT RECOGNIZED XX/XX/year> TransUnion, Companies, Credit Cards Issued by Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - - XXXX XXXX  XXXX XXXX {$1900.00} {$1900.00} XXXX XXXX  XXXX XXXX {$17000.00} {$17000.00} XXXX  XXXX XXXX - - XXXX XXXX  Original Creditor XXXX XXXX  XXXX {$1200.00} - XXXX XXXX Original Creditor XXXX XXXX XXXX {$780.00} - XXXX XXXX  XXXX {$22000.00} {$22000.00} XXXX  XXXX XXXX - - INQUIRIES NOT RECOGNIZED XX/XX/year> TransUnion, Companies, Credit Cards Issued by Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief