vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I am filing this complaint because XXXX, TransUnion and XXXX are reporting charge-offs on my credit report. This reporting is both inaccurate and inconsistent with IRS regulations regarding charge-offs and income reporting. The charge-offs are also in violation of the FCRA. I have reached out to XXXX, XXXX XXXX Transunion to resolve the matter, but there has been no change to my consumer file. The following creditors need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXX on XXXX as XXXX : According to the IRS, XXXX charge-off is considered income to the consumer, as it reflects debt forgiveness. Income is not allowed to be reported on a credit report, as credit reports are designed to reflect credit and payment activity, not taxable income. The inclusion of this charge-off is a misrepresentation and is damaging to my credit profile.

2. Failure to Issue a Form 1099-C : Furthermore, the creditor has failed to issue a Form 1099-C for the alleged charge-off, which is required by the IRS to reflect forgiven debt as taxable income. The absence of a Form 1099-C indicates that the charge-off is not legally considered forgiven debt, further invalidating its inclusion on my credit report.

3. Impact on My Creditworthiness : The inaccurate reporting of this charge-off has had a significant negative impact on my credit score, affecting my ability to obtain credit and financial opportunities. This reporting is misleading and does not reflect accurate information.

I have mailed out multiple letters to get this issue resolved, but have not been successful.

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 2025-01-03 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: IL

Complaint narrative:
I am filing this complaint because XXXX, XXXX and Equifax are reporting charge-offs on my credit report. This reporting is both inaccurate and inconsistent with IRS regulations regarding charge-offs and income reporting. The charge-offs are also in violation of the FCRA. I have reached out to XXXX, Equifax XXXX XXXX to resolve the matter, but there has been no change to my consumer file. The following creditors need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS Guidance on Charge-Offs as Income : According to the IRS, a charge-off is considered income to the consumer, as it reflects debt forgiveness. Income is not allowed to be reported on a credit report, as credit reports are designed to reflect credit and payment activity, not taxable income. The inclusion of this charge-off is a misrepresentation and is damaging to my credit profile.

2. Failure to Issue a Form 1099-C : Furthermore, the creditor has failed to issue a Form 1099-C for the alleged charge-off, which is required by the IRS to reflect forgiven debt as taxable income. The absence of a Form 1099-C indicates that the charge-off is not legally considered forgiven debt, further invalidating its inclusion on my credit report.

3. Impact on My Creditworthiness : The inaccurate reporting of this charge-off has had a significant negative impact on my credit score, affecting my ability to obtain credit and financial opportunities. This reporting is misleading and does not reflect accurate information. 

I have mailed out multiple letters to get this issue resolved, but have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 to any 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 2025-01-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


AXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 to any 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 2025-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I received a letter from Freedom Mortgage dated XX/XX/XXXX stating that my PMI has been canceled/terminated and that my monthly mortgage payment will be reduced. I waited until XXXX and my payment had still not decreased. So I called them on XX/XX/XXXX and they advise that they show it has been removed and to wait until my XXXX statement. Then I called back on XX/XX/XXXX because once again my statement still shows the same amount due even though my PMI has been removed. I called customer service and they stated that because the amount was under {$50.00} that I would have to wait until XX/XX/XXXX when my escrow is reaccessed to show the new payment amount but that was all he could see. I requested to speaker with the escrow department. I was then transferred twice and hung up on as well. Then I called back and was advised that the escrow department was now closed and I would have to call back yet again. All I want is for my payment to reflect that the PMI has been 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 explanation
Consumer complaint received 2025-01-03 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 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 2025-01-03 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: NJ

Complaint narrative:
Transunion has not complied with FCRA 605B by failing to remove fraudulent accounts from my credit report despite being provided with the required documentation

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 2025-01-03 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: PA

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau TRANSUNION ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau TRANSUNION ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

Sincerely, 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 2025-01-03 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: AK

Complaint narrative:
Account was paid in full on XX/XX/year> see attached bank statement as proof and date of payment. I paid and closed the account on XX/XX/year> myself. 
A clerical error was made on XXXXXXXX XXXX part when someone clicked the button " XXXX XXXX '' after I had already paid the bill. 
It was a clerical error from someone because they sent proof the " XXXX XXXX '' was posted after I paid the bill on the exact same date as I paid it XX/XX/year>. You can't hit " XXXX XXXX '' after it's been paid... Right?? And if it was " XXXX XXXX '' Where's my 1099c?? I never got one? Why, because I paid the bill and it wasn't charged off ... it's a clerical error and so is the amount posted of {$430.00} because the information posted is false and in accurate per the proof I've attached I'm requesting the deletion of the Entire XXXX XXXX posting on my credit report regarding these false and in accurate statements I am requesting a formal investigation as I've been trying to get the problem resolved for almost a year now. And no one is willing to address the obvious clerical errors and correct them. I've spoken to XXXX, XXXX and a very nice supervisor named XXXX at XXXX XXXX who totally understood what I was saying and that it was most likely a clerical error but no one will take initiative to fix it.

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 2025-01-03 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against Navy Federal Credit Union regarding a deceptive practice related to my recent credit card application. I received a preapproval offer for a credit card from Navy Federal, and based on this preapproval, I submitted an application on XX/XX/year>. To my surprise and disappointment, my application was later declined and despite having been initially preapproved. 

This outcome is concerning and raises serious questions regarding the transparency and fairness of Navy Federal 's practices. The preapproval offer led me to believe that my application would be automatically accepted, which in turn caused me to proceed with the application process in good faith. To have my application then declined, after receiving a preapproval notification, is both misleading and deceptive. 

I believe this practice undermines consumer trust and violates the principles of clear and honest communication that financial institutions are required to uphold. I was not provided with a satisfactory explanation for the sudden reversal of my approval, nor was I given adequate information regarding the criteria that led to the denial after preapproval. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-03 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 have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$1000.00}, XXXX  XXXX XXXX balance {$1300.00}, XXXX XXXX XXXX XXXX balance {$200.00}, XXXX XXXX XXXX balance {$0.00}, XXXX  balance {$2700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$1000.00}, source XXXX XXXX balance {$1300.00}, XXXX XXXX XXXX XXXX balance {$200.00}, XXXX XXXX XXXX  balance {$0.00}, XXXX  balance {$2700.00}.

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 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2024, I made a cash deposit of {$75.00} at a Bank of America ATM located at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. During the transaction, the ATM malfunctioned and displayed an error message, eventually notifying me of a problem. I started recording a video and the machine issued a receipt with the ATM number for filing a complaint. However, the ATM neither returned the money nor processed the deposit. I immediately called Bank of America customer service to file a complaint, provided all relevant details, and was assured that the issue would be resolved quickly. On XX/XX/XXXX, I followed up and was told there was no record of my initial claim. I opened a new claim with the number XXXX and was told that the dispute would appear on the online platform, allowing me to upload evidence. Despite several follow-up calls on XX/XX/XXXX and XX/XX/XXXX, my funds have still not been credited, and I have not been allowed to upload my evidence. Bank of America has failed to resolve the issue or explain the delay.

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 monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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