vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected or removed on my credit file. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-03-22 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-22 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: AL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my 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 2025-03-22 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$1000.00}

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute an alleged debt referenced in your communication dated XX/XX/XXXX. Under 12 CFR 1006.34 ( d ) of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the following debt, which appears on my credit report : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX As required under 12 CFR 1006.34 ( d ), I respectfully request that you provide the following : The amount of the alleged debt.

The name of the creditor to whom the debt is owed.

A statement showing how the debt was calculated, including the charges that make up the balance. 
Any documents that substantiate your claim, such as a copy of the signed agreement or contract between myself and the creditor.

Verification of the legal right of your agency to collect this debt.

Until I receive validation of this debt, I request that no further collection efforts be made and that this matter is not reported to any credit bureaus. Additionally, please cease any communication with me regarding this debt unless and until it is properly validated, as required by law. 
If you are unable to provide sufficient validation, I request that this alleged debt be marked as disputed, and that no further collection activities be undertaken. 
Please respond to this request in writing and provide the requested documentation within 30 days, as required by law. Failure to comply with this request will be considered a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint againstXXXX XXXX XXXX  regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : XXXX XXXX XXXX Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Account XXXX Dates : XX/XX/year>, XX/XX/year> Explanation ; information is inaccurate. 
o The report shows I currently owe money to your company that I have already repaid. [ The date of first delinquency on my report is not accurate. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
I bought an AC from a vendor that signed me up for financing. They made me fill out a form and told me Id receive a loan packet in the mail. I never did. 

I then noticed that my credit score started going down from a company called Green Sky.

I immediately called Green Sky and asked them mail me paperwork to my physical address. They never did. I gave them my checking account information last month and I received a loan activation email. 

They deduct {$1000.00} every month on the first of the month from my account and when I log into the app it doesnt say I am delinquent. 

However I am still getting missed payment blemishes from this company on my credit report every month. It is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Around the time of XXXX XX/XX/year>. I used what available funds I had to travel to see family in another state. During my travel, my cell phone was lost. After using my laptop to sign in, Sofi removed my log in information saved to their website and I could no longer log into my account, I assume due to using a different wifi connection. After noticing I could no longer access or sign into my account, I called to speak to a representative to update my email and passwords as they were key chained into the phone which was lost. Sofi representatives then requested that I provide my personal information to speak to an agent directly. These verification questions that were requested were, full name, last 4 of my social, the phone number attached to the account, and full address. I then proceeded to answer these questions and was able to speak to not only a customer representative but also a manager, stating my issues and the urgency of accessing my accounts, as I had a deposit that was to be made to my account on XXXX. XXXX. Both the representative and the managers then requested that I once again verify my personal information to receive a code to the phone that I was reporting to them I had no access to and not in possession of, in which they then denied me any other method of receiving a new log in code, and then suggested that I use someone else 's phone to get the code to access my accounts. This continued up until recent ( XX/XX/XXXX ) in which I was then notified that my account had be closed the day before ( XX/XX/XXXX ) and I no longer had access or was a customer due to the closure over a XXXX XXXX  overdraft. On multiple occasions of speaking to someone, I was never informed about this overdraft and was repeatedly denied receiving access to this account because of an " extensive security '' verification. ( The same information that was requested and provided at the start of the customer support call ) I now have no bank account, which has caused me to not have the ability to receive the pending payment that was to be direct deposited into this account, putting my personal life into jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Money was taken from my account without my consent... filed XXXX grievances # XXXX..chime bank sent emails back simply stating no error occured

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: WA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: PR

Complaint narrative:
I sent XXXX XXXX to XXXX  XXXX on XX/XX/12 and traded it for XXXX XXXX I have the whitelisted addresses feature turned ON to prevent fraud, and after I made this trade, I added a new XXXX address to withdraw my funds. As usual, it takes 7 days process to get this address approved, and I waited patiently. At the XXXX day I got an email saying the address was approved, and yesterday I requested to withdraw this funds, but they made me go through an additional step, to send them a picture of my face with a note showing the date, a code and picture ID, which I did with great pleasure and I even thanked them for being so protective. 

But after they received this additional step, they froze my account for security without a valid reason, and I started reserching similar complaints online and I got freaked out after seeing that so many customers are going through the same process after months!! 
They sent me an email asking me to provide answers to some non-sense questions, which I did, but still I can not withdraw any funds, even after deleting this recently added address, and after requesting my funds to be sent to a previously XXXX address added 5 years ago to get rid of any suspicion of fraud. 
They had always been very responsive, until this happened, and I haven't heard back from them. 
I'm really worried and stressed out to have to go through this situation after so any years of being a customer of theirs. It's unconceivable the fact they give customers such a hard time to withdraw their funds. 
It's scary and stressful, and I want to get this resolved as soon as possible, since I suffer from stress and anxiety and this is making my medical condition much worst!! 
Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am formally disputing the inaccurate and incorrect information that XXXX XXXX XXXX also known as XXXX XXXX has furnished to consumer reporting agencies regarding my account. Your reporting of this account has caused severe harm to my reputation, financial standing, and overall ability to obtain credit for personal and household purposes. As such, you are in direct violation of federal law. 
Legal Violations Regarding Inaccurate Reporting Under 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies, you are prohibited from reporting inaccurate information. Specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : 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. 
By continuing to report this account inaccurately, you are knowingly violating the law and are subject to enforcement actions. 
IRS XXXXlassification of Charge-Offs and Its Impact on Credit Reporting The IRS explicitly classifies a charge-off as canceled debt, which is considered gross income for the borrower. According to IRS Publication 4681 : " A canceled debt must be reported as gross income, and the creditor is required to issue a Form 1099-C for any canceled debt over {$600.00}. '' Since a charge-off is legally classified as income, it is inaccurate and unlawful to continue reporting this account as an outstanding liability or unpaid debt on my credit report. This misclassification of a charge-off as a still-due debt constitutes false and misleading reporting, and as such, the account must be removed from my credit file immediately. 
Unlawful Double Compensation and Potential Fraud Furthermore, your institution has likely collected : Insurance payouts built into the finance charge, which protect lenders against borrower default ( per the Truth in Lending Act, 15 U.S.C. 1605 ( a ) ).

Tax deductions from the IRS for the charged-off amount, as charge-offs are written off as losses.

Payment from third-party debt buyers, who likely purchased the account for collection. 
If XXXX XXXX XXXX has received multiple forms of compensation ( insurance payout, tax benefits, and debt sale proceeds ) while continuing to report this account negatively on my credit report, this may constitute insurance fraud, tax fraud, and unfair debt collection practicesall of which will be included in my formal complaints.

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 2025-03-22 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: FL

Complaint narrative:
XXXX Account XXXX XXXX please sent me a copy of the validation of this account failure to do so remove this account 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The law requires companies to delete disputed unverified information I disputed this information with Equifax on XX/XX/XXXX and received nothing to verify that this information is mine. What I have noted below is all that I received on XX/XX/XXXX. According to the law Equifax must verify that this is my debt, which they have not remove The case is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

XXXX XXXX XXXX  ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Banking ; Original Creditor - XXXX XXXX  ; Amount - {$2300.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$2300.00} ; Individual Account XXXX Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes This Account Information ; Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MD

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: OH

Complaint narrative:
XXXX continues to report INACCURATE payment history! The response in the previous case # XXXX states my XX/XX/year> payment was received on XX/XX/XXXX per their records. Per my BANK STATEMENT, my XX/XX/year> payment was received on XX/XX/XXXX!!!!!!! The payment received on XX/XX/XXXX was for the month of XXXX! This is NON SENSE that I have to continue to go through this. I have shown payments made and you all come up with a very long dissertation about why my account status is what it is. I continue to provide you with BANK STATEMENTS and yet my credit bureau has NOT been corrected to reflect my bank statements. I have NOT paid more than 30 days past due. I never had a problem until XXXX took over my account. Since Shellpoint states they can't not find my payment history, I have once again attached MY BANK STATEMENTS!!!!!!!!! 

REMOVE THE 30 day late on my XXXX! It's not correct! I do not understand why I have been trying for months to get this corrected.

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 2025-03-22 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: SC

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-22 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX

Company response to consumer: Closed with explanation