vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Account Name : XXXX Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-off listed under [ XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : Section XXXX ( XXXX ) This section mandates that all information reported about me must be accurate and reflect the truth. Section XXXX ( XXXX ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : 1- Last Verified do not match 2- High Balance is incorrect 3- Closed Date do not match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter.

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 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX PayPal XXXX from XXXX Wont provide me contact information to track my refund of XXXX PayPal and XXXX ( owned by PayPal ) are holding my 1925 claiming they have an internal technical issue preventing them from sending me my money. They stated they are holding every persons money and wont provide me any proof that they even have it. Called XXXX  and they blamed PayPal, called PayPal and they blamed XXXX. I cant even speak to someone in the US to assist me. They give vague answers and basically told me I have to just keep calling back if I want my money. 

I asked for proof that they are holding my balance and they would not provide any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
this is the third time somebody has hacked into my account the first was XX/XX/XXXX they took XXXX dollars from my account and made a unauthorized purchase that was my kids XXXX money I didnt notice the log in until 2 days after I even emailed current to let them know I was hacked then XX/XX/XXXX they got back in my account luckily no money was in there today XX/XX/XXXX I had a deposit of XXXX deposit into my account it was even 2 minutes I get alert stating somebody signed in I go to the email go to my account money gone I have express to these folk several times all the facts are in there face and there telling me there are no errors

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year>, SoFi Bank charged off my personal loan account and transferred it to XXXX, a third-party debt collector. Despite this charge-off and transfer, SoFi has refused to issue a 1099-C, claiming that the debt is still owed because it was sold. However, IRS regulations under 26 CFR 1.6050P-1 ( b ) ( 2 ) state that a creditor is required to issue a 1099-C when a debt is discharged, which includes a significant identifiable event such as a charge-off. 

According to the IRS guidelines, a charge-off is considered an " identifiable event '' triggering the requirement to report cancellation of debt ( COD ) income. SoFi has provided no evidence that it retained any ownership or control over the debt after transferring it to XXXX. As such, the debt meets the criteria for a 1099-C issuance, as SoFi has effectively discharged its interest in the account.

I have made multiple requests for SoFi to comply with IRS regulations and issue the 1099-C for the charged-off debt. However, SoFi continues to assert that no 1099-C is required, citing incorrect interpretations of the reporting requirements. This failure to issue the 1099-C creates confusion regarding my tax obligations and violates federal law governing debt cancellations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to 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 2025-01-05 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:
I am writing regarding the account XXXX XXXX XXXX. Which is reporting to the credit bureau inaccurately. I have disputed this account multiple times, and despite my efforts, the balance continues to increase erroneously. You are required by the FAIR CREDIT REPORTING ACT ( 15 U.S.C 1681s-2 ) to provide accurate reporting.

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 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc.
State: AL

Complaint narrative:
XXXX XXXX I was forced to pay a fee of {$2.00} just to upload my money from the XXXX  account to the branch account. It was a small amount that needed to be cashed out to the branch card the reason it was {$2.00} if it was more that needed to be cashed out the fee would have been more but from then on out I just kept the money on the branch card and just used it directly from that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MI

Complaint narrative:
The account number XXXX TrueAccord account is not mine and I want it removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had fraudulent information applied to my account twice now by Transunion startng XX/XX/XXXX up to XX/XX/XXXX. Causing multiple credit score drops, this information was not verified by this agency before applying to my credit report.I contacted my bank and my credit limit was not dropped, also my credit length with multiple companies is not correct also Causing another score drop. This company reports any negative information immediately and does not report any positive info for a month or better. Thus Causing multiple score drops and a yo yo effect to my credit scores..if you use your credit your penalized, if you don't use your credit your penalized. If you don't have 20 accounts opened your penalized, if you pay your total balance monthly your penalized..this is a no win situation and needs to addressed and regulated more.credit history plays a big part of life and living and these companies are playing games with our livlyhood.the cfpb needs do something about it and not ignore these ongoing problems like you have in the past

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 2025-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. I recently discovered that I have been a victim of identity theft, and as a result, several inquiries have been made without my knowledge or consent. 

I have never applied for credit or authorized these companies to access my credit file. These inquiries are a direct result of fraudulent activity, and I kindly request their immediate removal from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$6800.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$2300.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance {$6100.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$0.00} late closed XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Open XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX Open

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 2025-01-05 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: Harris & Harris, Ltd.
State: LA

Complaint narrative:
After recently receiving an alert of a new derogatory listed on my consumer report, I analyzed that the account was fraudulent and has appeared on my consumer report prior. The name type of account appears to be utility/phone services. The curren debt collector is " Harris & Harris LTD '', the previous debt collector was " XXXX '', and the original creditor was " XXXX XXXX XXXX XXXX The account listed is fraudulent and does not belong to me. The account is also listed as being " charged off '' and under 15 US code 1681 2 ( A ) i " transactions or income is not permitted to be listed on a consumer account ''. I have not received a 1099 form for this " alleged income '', and I did not consent to this account being obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NC

Complaint narrative:
About 7-8 months ago I received a notice from a credit monitoring bureau saying I was 90 days past due on a HELOC loan I share with my ex-wife. Despite having updated my mailing address with the bank approximately 4 years earlier, I never received any communication that the loan was past due and only found out through the alerting credit bureau. This bank has my email, phone number, and address and should have made some attempt to notify me that the loan was delinquent somewhere within the 90 period before reporting. To this day, approximately XXXX since the original alert, XXXX has not contacted me at all by any means and continues to ignore my disputes through the credit bureaus to correct their claims I am in arrears.

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 2025-01-05 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: NY

Complaint narrative:
I am filing this rebuttal to XXXX XXXX ' response to my initial complaint regarding the inaccurate and unauthorized reporting of XXXX XXXX accounts on my credit report. XXXX cited my Master Promissory Note ( MPN ) as their basis for reporting, but this does not exempt them from compliance with the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). They failed to provide documented proof that I authorized the release of my personally identifiable information to credit reporting agencies. I request a full investigation and immediate removal of the disputed accounts due to non-compliance with 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 non-monetary relief
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am filing this rebuttal to XXXX XXXX ' response to my initial complaint regarding the inaccurate and unauthorized reporting of XXXX XXXX XXXX  on my credit report. XXXX cited my Master Promissory Note ( MPN ) as their basis for reporting, but this does not exempt them from compliance with the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). They failed to provide documented proof that I authorized the release of my personally identifiable information to credit reporting agencies. I request a full investigation and immediate removal of the disputed accounts due to non-compliance with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I have had fraudulent information applied to my account twice now by XXXX startng XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Causing multiple credit score drops, this information was not verified by this agency before applying to my credit report.I contacted my bank and my credit limit was not dropped, also my credit length with multiple companies is not correct also Causing another score drop. This company reports any negative information immediately and does not report any positive info for a month or better. Thus Causing multiple score drops and a yo yo effect to my credit scores..if you use your credit your penalized, if you don't use your credit your penalized. If you don't have 20 accounts opened your penalized, if you pay your total balance monthly your penalized..this is a no win situation and needs to addressed and regulated more.credit history plays a big part of life and living and these companies are playing games with our livlyhood.the cfpb needs do something about it and not ignore these ongoing problems like you have in the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I have had fraudulent information applied to my account twice now by XXXX startng XX/XX/XXXX up to XX/XX/XXXX. Causing multiple credit score drops, this information was not verified by this agency before applying to my credit report.I contacted my bank and my credit limit was not dropped, also my credit length with multiple companies is not correct also Causing another score drop. This company reports any negative information immediately and does not report any positive info for a month or better. Thus Causing multiple score drops and a yo yo effect to my credit scores..if you use your credit your penalized, if you don't use your credit your penalized. If you don't have 20 accounts opened your penalized, if you pay your total balance monthly your penalized..this is a no win situation and needs to addressed and regulated more.credit history plays a big part of life and living and these companies are playing games with our livlyhood.the cfpb needs do something about it and not ignore these ongoing problems like you have in the past

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