vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the consumer reporting agency TransUnion, block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, XXXX XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections that appear on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report you maintain, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries that appear on my consumer credit report you maintain were not opened, made, or initiated by me. All of the above accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint No. ( XXXX ) as proof from the U.S. Federal Trade Commission that all of the above consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached evidence of my identity theft.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
my information was exposed to a data breach 15usc 1681. I didnt know who to call or go to about this matter. I also did a complaint already on resurgent collection company, with your company. I didnt some research ( NMLS ) on resurgent collection company and found that they are not allow to collect on debt in the state of Texas . There not licensed in state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Prosper Marketplace, Inc.
State: TN

Complaint narrative:
My prosper credit card credit limit was over 2000 which I rarely used when I had an emergency automobile repair which I used {$1000.00} of my credit limit. The next thing I know my line had dropped below this causing the card to be over the limit. My payment went from being between 40-60 a month to being {$280.00} due XXXX XXXX due for 1 month. My three accounts with Prosper have been paid and on time each month. This is not fair to struggling consumers who strive to repair their credit score. This kind of act cause it to be impossible for credit card holders.

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 2025-01-02 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:
Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
My information was exposed in a date breach. Delinquent accounts are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX  Reporting of Debt, Failure to Provide 1099-C, and Lack of Notification To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their mishandling of my account, including multiple violations of federal consumer protection laws, continued negative credit reporting, and their failure to provide adequate notification or documentation regarding a debt they marked as a loss. 

After extensive efforts to validate this debt and resolve the matter directly with XXXX XXXX, I have reached an impasse due to their persistent non-compliance with federal regulations. 

The specific issues are as follows : Failure to Provide Required 1099-C Documentation : XXXX XXXX XXXX this debt as a loss but failed to issue a 1099-C form, as required under the Internal Revenue Code ( IRC ), Section 6050P. This lack of documentation prevents me from understanding and addressing the tax implications of their actions. 
Denial of My Right to Dispute : XXXX XXXX did not notify me of this debt or provide an opportunity to dispute it, violating the Fair Credit Reporting Act ( FCRA ), Section 611, and the Fair Debt Collection Practices Act ( FDCPA ), Sections 807 ( 8 ) and 809 ( a ).

Lack of Notification : I was never informed of the alleged debt or given any warning regarding their intent to report it negatively on my credit file, in violation of FCRA, Section 623 ( a ) ( 7 ), which requires furnishers to notify consumers before reporting negative information. 
Improper Credit Reporting Practices : Despite marking this debt as a loss, XXXX XXXX continues to report it negatively on my credit report, violating the FCRA, Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting and proper investigation of disputes. 
Impact on Me : These violations have significantly damaged my credit standing, created unnecessary financial hardship, and caused emotional distress. The absence of proper notification and documentation has also deprived me of the ability to address this matter in a timely and informed manner.

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 2025-01-01 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/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 ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent information appearing on my consumer XXXX credit report. All of the accounts above, late payments, 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 result from 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 2025-01-02 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: GA

Complaint narrative:
Requested a cease and desist from CREDENCE RESOURCE MANA CREDENCE RESOURCE MANA Address XXXX, TX XXXX Account number : XXXX **Subject : ** Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ). I am writing to inform you that I refuse to pay the alleged debt associated with your collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase is the company where I had {$3900.00} dollars and suddenly, they disappeared I have claimed and they say they are investigating however in my account there is not a single dollar left, they took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CT

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-02 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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

Complaint narrative:
I have paid XXXX XXXX XXXX XXXXXXXX balance in full and its still showing on my account as a upaid balance Im asking bureaus to please remove and correct this balance to paid in full

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 2025-01-02 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: GA

Complaint narrative:
I noticed on both of my credit reports that XXXX and Equifax are reporting late payments that are inaccurate, I would like for this to be investigated and updated from late payment to on time paid as agreed. I have listed the account below that is negatively affecting my score Creditor : XXXX XXXX Account status Open Type Automobile Responsibility Individual Remarks No Info Times 30/60/90 days late

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

Complaint narrative:
Equifax is reporting a XXXXXXXX XXXX account inaccurately I never had a XXXX  XXXX account in XXXX  and currently I have XXXX XXXX  XXXX accounts plus a car loan with XXXX  XXXX. If I had a collection account with XXXX  XXXX do you think I would have all these accounts with them now do you think they would just give me all this credit if I had defaulted in the past that makes no sense. I had an account years and years ago that I filed bankruptcy on, but its well past the seven year statue limitations Ive also contacted XXXX for debt validation, and they did not provide an assignment agreement or a purchase contract showing they were legally allowed to collect a debt or even confirmed it was mine. This account is hurting my credit, and Equifax is allowing this misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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 recently reviewed my credit report and noticed that it contains incorrect personal information. This has led to the appearance of unknown and inaccurate accounts that are not mine. This situation is extremely concerning and is unfairly impacting my credit.

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 2025-01-01 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: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
got copy of credit report was inaccurate i do not recognize this account

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

Complaint narrative:
Account # XXXX This account was reported as a collection/charge-off is negatively affecting my credit score. The reporting of this account is incorrect as it still shows a balance after it was charged off. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting ( XX/XX/year> ) while the report shows as a charge-off? I am sure you aware that this is a violation I demand the immediate deletion of this account to ensure your agency is reporting only complete and accurate information on my account.

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 2025-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Subject : Complaint Regarding GM Financials Reporting of Debt, Failure to Provide 1099-C, and Lack of Notification To Whom It May Concern, I am filing a formal complaint against GM Financial for their mishandling of my account, including multiple violations of federal consumer protection laws, continued negative credit reporting, and their failure to provide adequate notification or documentation regarding a debt they marked as a loss. 

After extensive efforts to validate this debt and resolve the matter directly with GM Financial, I have reached an impasse due to their persistent non-compliance with federal regulations. 

The specific issues are as follows : Failure to Provide Required 1099-C Documentation : GM Financial declared this debt as a loss but failed to issue a 1099-C form, as required under the Internal Revenue Code ( IRC ), Section 6050P. This lack of documentation prevents me from understanding and addressing the tax implications of their actions.

Denial of My Right to Dispute : GM Financial did not notify me of this debt or provide an opportunity to dispute it, violating the Fair Credit Reporting Act ( FCRA ), Section 611, and the Fair Debt Collection Practices Act ( FDCPA ), Sections 807 ( 8 ) and 809 ( a ). 
Lack of Notification : I was never informed of the alleged debt or given any warning regarding their intent to report it negatively on my credit file, in violation of FCRA, Section 623 ( a ) ( 7 ), which requires furnishers to notify consumers before reporting negative information.

Improper Credit Reporting Practices : Despite marking this debt as a loss, GM Financial continues to report it negatively on my credit report, violating the FCRA, Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting and proper investigation of disputes. 
Impact on Me : These violations have significantly damaged my credit standing, created unnecessary financial hardship, and caused emotional distress. The absence of proper notification and documentation has also deprived me of the ability to address this matter in a timely and informed manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX violated and continues to violate 15 U.S. Code 1681b - Permissible purposes of consumer reports and my rights as a consumer, destroying my life financially with no care or remorse. No permission or consent was given by me for the improper use of my consumer reports, All credit inquiries and accounts currently being reported on my consumer report are a result of identity theft and company refuses to properly deal with the situation.

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