vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : [ XXXX, Equifax, TransUnion ] [ Credit Bureau Address ] Subject : Dispute of Inaccurate Charge-Off Reporting Account # XXXX XXXX Dear TRANSUNION XXXX  EQUIFAX I am writing to formally dispute the reporting of an account listed on my credit report from XXXX XXXX XXXX ( Account # ending in XXXX ). According to the information provided by the creditor, this account is being reported as a charge-off. However, I have received a direct written response from the creditor stating that they have not filed a Form 1099-C for this account because no cancellation of debt has occurred.

Under the Fair Credit Reporting Act ( FCRA ), credit information must be complete and accurate. According to the Metro 2 guidelines, an account can not be accurately reported as a charge-off unless it meets specific criteria, including accounting and IRS standards , which often involve the issuance of a 1099-C when applicable. The lack of a 1099-C raises doubt about the legitimacy and accuracy of the charge-off status as currently reported. 
I am requesting that this account either be removed to reflect the accurate status or be removed immediately entirely from my credit file Sincerely, XXXX XXXX Please Remove both accounts # XXXX amount XXXX XXXX XXXX XXXX thanks.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  Regarding XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately r
eflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. I no longer live at XXXX XXXX XXXX XXXXXXXX XXXX, so if you could please send it to the address listed below, thank you. 
Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the prompt removal of inaccurate information from my credit report. Upon review, I have discovered several instances of fraudulent data that I have no association with. This discovery is deeply concerning, and I insist on immediate action to rectify this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked I had been the victim of identity theft. I do not recognize these accounts. Please remove it from my credit report because they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
I am formally disputing the following negative items on my credit report : Former : XXXX XXXX XXXX Former : XXXXXXXX XXXX XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
my EquifaxXXXX XXXX XXXX  reporting the high balance on my XXXX XXXX XXXX account that is not on the statement they continue doing this lowering my credit score i have called them several time

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 2025-04-22 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I would like to dispute the account information listed from COMENITYCAPITAL/ULTAMC ( CLOSED ) that is reporting on my XXXX XXXX XXXX XXXX credit reports. The payment history inclduing the account listed as being reported with late payments is inaccurate and false infomation. I reached out mulitple times to XXXX regarding inaccurate infomation, not receiving notices from them and the fact that even when I would pay the account in full somehow I would have a {$2.00} dollar charge would listed as owed on the account which utlimatelt lead to me closing the account which was opened less then a year. Even the XXXX rep admitted on the phone that they had multiple complaints from customers stating the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
b'I would like to delete information due to ID theft'

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 2025-04-22 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: PA

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I do not recognize them. As per USC 1681g, I am formally asking for their removal within 15 days. Supporting documents are attached for your detailed review. Additionally, the account information being reported is inconsistent across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
To whom this may concern, I pull my consumer report and witness and circled a lot of inaccuracies. That is destroying my consumer report. These negative items have been placed on my consumer report without my ( CONSENT )! 15 U.S.Code 1681 ( a ) ( 4 ) decree and declares that I the consumer has the right to privacy.

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). { EQUIFAX } has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.

15 U.S.Code 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. My consumer rights have been violated many times with negative items placed on my consumer report without my consent.

AFFIDAVIT Notice, it is a fact, I the affiant and the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ).

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act.

AFFIDAVIT Notice, it is a fact, I the affiant and consumer are aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I the Affiant was not given the chance to opt-out of having this reported information about { ACCOUNTS NAMES AND NUMBERS } not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-22 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: PA

Complaint narrative:
I Complaint Regarding EQUIFAX AND EXPERIAN Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and Equifax regarding its failure to protect consumer data, resulting in the massive Equifax and Experian data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Experian and Equifax continues to mishandle consumer data and fails to provide unreasonable sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the Equifax and Experian breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/year> / XXXX XXXX XXXXXXXX * * * * * * * * * * opened XXXX XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX * * * opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX. Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices Equifax violated the Gramm Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach, Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C et seq. 1681b : Equifax and Experian failed to properly restrict access to consumer information. 1681e : Equifax and Experian failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Ac ( GLBA ), 15 U.S.C 15 U.S.C. 6801 ( b ), I am mentally drained please help removed these accounts from my report when I went to get approved for my mortgage was denied due to the inaccurate things being reported to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I Complaint Regarding EQUIFAX AND EXPERIAN Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and Equifax regarding its failure to protect consumer data, resulting in the massive Equifax and Experian data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Experian and Equifax continues to mishandle consumer data and fails to provide unreasonable sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the Equifax and Experian breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/year> / XXXX XXXX XXXXXXXX * * * * * * * * * * opened XXXX XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX * * * opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX. Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices Equifax violated the Gramm Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach, Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C et seq. 1681b : Equifax and Experian failed to properly restrict access to consumer information. 1681e : Equifax and Experian failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Ac ( GLBA ), 15 U.S.C 15 U.S.C. 6801 ( b ), I am mentally drained please help removed these accounts from my report when I went to get approved for my mortgage was denied due to the inaccurate things being reported to my consumer 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 non-monetary relief
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
Obtaining information under pretenses 15 U.S.C. 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, XXXX XXXX Code, imprisoned for not more than 2 years, or both.

Unauthorized disclosures by officers or employees 15 U.S.C.1681r Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to a person not authorized to receive that information shall be fined under the title 18, XXXX XXXX Code, imprisoned for not more than 2 years, or both.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation