vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In response to the company 's response to my XX/XX/year> complaint allegeing that they verified accounts that were a product of Idenity theft due to data breaches on 35 separate dates and companies. Please see Idenitity theft doucments attached to this complaint. These credit reporting agencies are doing NO REAL INVESTIGATIONS. THEY ARE JUST COMFIRMING WHAT THEY COMPANY HAS ALREADY FRAUDULENTLY REPORTED. They contimue to report fraudulent Addresses on my report. XXXX XXXX in XXXX and adressses I have never lived at. XXXX XXXX XXXX, XXXX XXXX and every other address other than XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX my former address and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX are not places I resided and must be removed. All the accounts listed in my Identitty theft reports are to be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Experian and Equifax continue to misreport late payments and charge off RE : XXXX XXXX XXXX XXXX accounts - -- Timeline and Events : XXXX XXXX XXXX XXXX XXXX representatives explicitly directed me to withhold payments for [ specific time period/months ] before they would consider payment arrangements. 
XXXX. I followed XXXX XXXX XXXX XXXX  instructions and withheld payments as directed. 
XXXX. After the required waiting period, I attempted to make payment arrangements with XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX  refused to discuss payment options directly with me and required legal representation. 
XXXX. I secured legal representation and had funds set aside specifically for negotiated payment to XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX  then refused to communicate with both myself and my attorney despite multiple attempts to resolve the account. 
XXXX. I filed disputes with all three major credit bureaus regarding this issue. 
XXXX. XXXX  investigated and removed the disputed information from my credit report. 
XXXX. Experian and Equifax maintained the inaccurate information despite my disputes and evidence. 

-- Key Disputed Information : 1. Late Payment Reporting : The payments reported as " late '' were actually withheld at XXXX XXXX XXXX XXXX XXXX explicit direction. These payments were made as instructed by XXXX XXXX XXXX  and therefore can not accurately be reported as delinquent. 

XXXX. Charge-Off Designation : The " Charge-Off '' status is false and misleading because : a ) I had funds specifically set aside for payment to XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX refused communication with both me and my legal representative c ) The account was not " uncollectible '' as I was actively attempting to resolve it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I found out on XX/XX/year>2025 that unbeknownst to me that Chime had closed my Checking Account tied to my debit card with a balance of {$950.00} on XX/XX/year>2025. They said the reason for this closing was account inactivity which is true but I had been logging in and checking my account every month or so. They gave me no warning of this closure in any kind. When I contacted them they said the money was sent to the XXXX XXXX XXXX XXXX and I am to claim the money from them. I have been checking ever since and have not seen the money. What can I do now to get it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  RESOURCE GROU - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$240.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-04-23 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inconsistent balances across bureaus EXPERIAN : {$1000.00} EQUIFAX : {$1000.00} XXXX  : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2025, I submitted disputes to TransUnion regarding two accounts : XXXX XXXX XXXX and XXXX  XXXX. In my formal dispute letter, I stated that TransUnion had 15 days to verify the accuracy of these accounts and provide documentation or remove them from my credit report. 

For XXXX XXXX XXXX, TransUnion later responded that the account was verified as accurate but provided no documentation or explanation of how this was verified. I formally requested the method of verification under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), but they refused to provide it. 

For XXXX XXXX, I was told through chat that a response from the creditor was expected by XX/XX/XXXX, which exceeded the 15-day deadline I clearly set in my letter. 

On XX/XX/XXXX, after repeated follow-ups, TransUnion informed me via chat that the matter would be escalated to their Special Handling Team and I would receive a phone call within 3 business days. No one ever called me, and it is now beyond that time frame. 

TransUnion has failed to verify these accounts, failed to provide documentation, ignored my legal request for method of verification, and failed to follow through on their own escalation process. They continue to report this information despite being unable to prove its accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Subject : Formal Dispute of Unverified Debt Reporting Request for Immediate Deletion Due to FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally dispute an account currently reported on my credit file. This dispute concerns an alleged debt associated with [ XXXX XXXX XXXX XXXX XXXX which appears without sufficient verification and violates multiple provisions of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting its immediate removal from my credit file based on the following grounds : 1. Failure to Provide Debt Validation Violation of 15 U.S.C. 1692g ( FDCPA ) As required under the FDCPA, specifically 15 U.S.C. 1692g, a consumer has the right to request verification and full validation of a debt. Despite previous attempts, no documentation has been provided that proves : I owe the alleged amount, That a contract or signed agreement exists, Or that the reporting entity has legal standing to collect or report this debt. 

The attached collection letter ( see enclosed ) does not meet the standard of validation. It lacks critical information such as original loan documentation, itemized payment history, and legal ownership of the debt.

2. Reporting of Inaccurate and Unverified Information Violation of 15 U.S.C. 1681e ( b ) ( FCRA ) According to the FCRA, consumer reporting agencies must ensure maximum possible accuracy of the data they report. The alleged account includes discrepancies and unverifiable claims. In absence of proper validation, continued reporting constitutes a breach of this statute. The burden of proof lies with the reporting agency to confirm the legitimacy and accuracy of the account before it may legally remain on my credit file.

3. Lack of Permissible Purpose Violation of 15 U.S.C. 1681b and 1681i ( a ) ( 5 ) ( A ) Without a validated and legally substantiated basis for the debt, this account does not meet the legal threshold for a permissible purpose under 15 U.S.C. 1681b. Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be promptly deleted from the consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In response to the company 's response to my XX/XX/year> complaint allegeing that they verified accounts that were a product of Idenity theft due to data breaches on 35 separate dates and companies. Please see Idenitity theft doucments attached to this complaint. These credit reporting agencies are doing NO REAL INVESTIGATIONS. THEY ARE JUST COMFIRMING WHAT THEY COMPANY HAS ALREADY FRAUDULENTLY REPORTED. 

They contimue to report fraudulent Addresses on my report. XXXX XXXX in california and adressses I have never lived at. XXXX XXXX XXXX, XXXX MD, and every other address other than XXXX XXXX XXXX, XXXX XXXX, NY XXXX my former address and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX are not places I resided and must be removed. All the accounts listed in my Identitty theft reports are to be removed within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
I am listed as a reference for a friend of mine. This company has called me multiple time this month to reach out to my friend. I talked to them XXXX XXXX, 2025 and told them I would pass their message along. I then got a call on XXXX XXXX, 2025 @ XXXX and they left a detailed message speaking about extremely urgent she calls them today. I received an additional call XXXX XXXX, 2025 @ XXXX asking me again to let my friend know that Urgent to hear back. I called them back again XX/XX/XXXX @ XXXX and told a XXXX there I'm feeling like I'm the one they are collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: DC

Complaint narrative:
This account was paid already and submitted to all three credit agencies : XXXX XXXX XXXX. Please have this account deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX OF XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FIN - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. TECH 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 2025-04-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$5700.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$930.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$660.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$500.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX Date 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 2025-04-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
As described in https : //www.fbi.govXXXX I have been a XXXX XXXX XXXX XXXX 
XXXX XXXX [ XXXX ] contacted me via XXXX- She requested to switch to XXXX. XXXX XXXX XXXX indicated that she worked as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] I was XXXX  enough to fall for it and lost {$390000.00}. XXXX XXXX introduced me to XXXX, Coinbase. Come and had me download various apps on my phone. She walked me through connecting to a platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' to the site which runs inside of Crypto.com " On Chain ''. She encouraged me and walked me through steps to trade in derivatives and based on the very encouraging outcome I was making profits. When I attempted to withdraw some of my earnings, the Platform Refused, saying that I must deposit {$100000.00} for Margin test and after I paid that, they said now I must pay 15 % Minimum Federal tax .. After I paid the {$43000.00} Taxes they accused me of Insider trading and demanded another {$100000.00} Test Margn. I deposited my last {$48000.00} of retirement into the platform and they refused to release any money. I have a balance of XXXX XXXX XXXX XXXX XXXX  No one is responding to my request. XXXX was responding previously and was demanding more money. No longer I get a response from them. XXXX XXXX claimed that she is also a XXXX  and since XX/XX/XXXX she no longer contacts me and I have No ability to contact her. I only have her XXXX on XXXX. No address My Coinbase Digital Wallet XXXX is connected to XXXX On XX/XX/year>, XXXX PM I Complaint Submitted - Internet Crime Complaint Center ( XXXX ) https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX LENDING Date XX/XX/XXXX COAF Date XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2023

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