vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: AL

Complaint narrative:
On XXXX XXXX my Credit Karma Account Received my income tax refund to my save account. 
The company did not put in my disclose what banks did not align with there system, thus rejecting XXXX banks. I chose a bank that did and the error messages persisted. It stated the the snag was on Credit Karma side. I called for three day making them aware that holding my funds was causing me a hardship. The case was escalated, I explained those funds were for my livelihood and that I had a sick child. They stated that the account would be closed a a check would be mailed and it still has Not I don't believe this is an isolated incident, in order to close the account, you need an external account to receive your funds, A company called plaid verified the account were linked. Yet they held my funds continuously now after days of delays my obligations go unmeet! Also, my creditors can't get paid but I have the money, and I also learn bill can't be paid out of this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
Please delete these collections from my credit report as these debt collectors have not provided me proper debt validation of the alleged debts with the purchase agreement and have the legal authority to collect on them. 
Absolute Resolutions Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I have sent numerous disputes and request for the reporting of these accounts to be proven and removed from my XXXX, XXXX, and Experian credit reporting bureaus. I have yet to receive any updates or letters validating these accounts or balances. It has been more than a year that I have requested this information be removed from all XXXX of the above mentioned credit bureaus. I need help getting the debt collection agencies listed below to comply with the consumer reporting laws and hope that you can help me. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i

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 2025-02-23 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I borrowed {$1300.00} and they want me to pay back {$6200.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: WV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonably reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provider evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, and Experian 's inaction violates federal law and my rights as consumer. 

Any dispute of address Consumer statement to nothing Here are the XXXX accounts that I marked as inaccurate 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

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 2025-02-24 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: DISCOVER BANK
State: MD

Complaint narrative:
RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
Please remove the following items from my credit report, immediately. 
DISCOVER BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Subject : Complaint Regarding Charge-Off and Missing XXXX Form Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally file a complaint against [ Company Name ] regarding their reporting of a charge-off on my credit report without providing me with the required IRS Form XXXX for debt cancellation . 

Complaint Details : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX XXXX Account Number XXXX Date of Charge-Off : XX/XX/XXXX XXXX XXXX XXXX Account Number :XXXX  Date of Charge-Off : XX/XX/XXXX XXXX XXXX XXXX Account Number :XXXX Date of Charge-Off : XX/XX/XXXX ONE MAIN Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Credit Bureau ( XXXX ) Reporting the Charge-Off : [ XXXX ] Issue Description : On XX/XX/XXXX, I discovered those Companys reported a charge-off on my credit report. However, I have not received IRS Form XXXX, which should be issued when a debt is canceled or forgiven, as required by federal tax regulations. This missing form has prevented me from accurately reporting my financial information to the IRS. 

I have attempted to resolve this issue directly with those Companys by any steps taken, such as written but I have not received a satisfactory response. The failure to provide the XXXX form has caused potential tax reporting issues and confusion regarding my financial obligations. 

Resolution Requested : I kindly request the CFPB to investigate this matter and urge those Company 's to : XXXX. Provide me with IRS XXXX XXXX for the charge-off as required by law. 
XXXX. Delete any reporting errors related to my credit file. 
XXXX. Ensure compliance with federal regulations regarding charge-offs and tax reporting. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
Subject : Complaint Regarding Charge-Off and Missing XXXX Form Dear Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX I am writing to formally file a complaint against [ Company Name ] regarding their reporting of a charge-off on my credit report without providing me with the required IRS Form XXXX for debt cancellation XXXX 

Complaint Details : 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 XXXXXX/XX/XXXX, I discovered those Companys reported a charge-off on XXXX credit report. However, I have not received IRS Form XXXX, which should be issued when a debt is canceled or forgiven, as required by federal tax regulations. This missing form has prevented me from accurately reporting my financial information to the IRS. 

I have attempted to resolve this issue directly with those Companys by any steps taken, such as written but I have not received a satisfactory response. The failure to provide the 1099-C form has caused potential tax reporting issues and confusion regarding my financial obligations.

Resolution Requested : I kindly request the CFPB to investigate this matter and urge those Company 's to : 1. Provide me with IRS Form 1099-C for the charge-off as required by law.

2. Delete any reporting errors related to my credit file.

3. Ensure compliance with federal regulations regarding charge-offs and tax reporting. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: UPGRADE, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/2025 The Consumer Financial Protection Bureau 's ( CFPB ) XXXX XXXX XXXX XXXX, XXXX , DC XXXX Formal Dispute of Inaccurate Credit Information under 15 U.S. Code 1681 Dear CFPB I am writing to formally dispute certain inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Upon reviewing my credit report, I discovered incorrect and unverifiable information related to the following accounts : Upgrade ( Account # : XXXX XXXX ( Account XXXX XXXXt ( Account # : XXXX XXXX XXXX  ( Account # : XXXX Nature of Dispute : The reported information on these accounts is inaccurate, misleading, or unverifiable. Specifically, I request a thorough investigation into these accounts for possible errors, including but not limited to : Incorrect balance or payment history Inaccurate account status ( e.g., open/closed, delinquent, etc. ) Unverified or unauthorized reporting Inconsistencies with my records Request for Action : Under 15 U.S. Code 1681i, you are required to investigate my dispute within 30 days and provide me with written results of your investigation. If your investigation finds that these accounts can not be verified, they must be removed from my credit report immediately. 

Supporting Documents Enclosed : I have attached the following documents to support my dispute : A copy of my credit report with the disputed accounts highlighted A copy of my government-issued ID and proof of address Any relevant supporting documents Please update my credit report accordingly and provide a written confirmation of the results of your investigation. If these accounts are not corrected or removed, I request a statement of how they were verified, including the name and contact details of the entity that provided the information. 

Thank you for your prompt attention to this matter. Please send all correspondence regarding this dispute to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 XXXXXX/XX/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 2025-02-23 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: McKenzie Management LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  : I had an issue with XXXX XXXX regarding money I added to my XXXX XXXX account to use for online purchases. When I added the money, I was never informed that I would need a XXXX ID to use the service. I was able to add the money without any issues, but when I tried to use it, I was told that I needed to verify my identity. 

Since I dont have a XXXX ID, I decided to wait and call XXXX the next day to speak with a representative and see what could be done to get my money back. However, I was shocked when they told me that I wouldnt be able to get my money back because I dont have a XXXX ID. 

All I want is to get my {$20.00} back because, honestly, XXXX not interested in using XXXX XXXX or XXXX XXXX anymore. On top of that, they already banned my account, so XXXX cant use it at all. They are making it very difficult for me to get my money back just because I dont have a XXXX ID, and I dont think its fair to have to wait indefinitely and leave my money stuck there with no way to access it.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/scrub>/2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account Account name XXXX/OVER Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
This account was charged off on the following date XX/XX/scrub>/2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account Account name XXXX/OVER Account Number XXXX

Company response to consumer: Closed with non-monetary relief