vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : * * Request for Clarification on Credit Boost Reporting Dear Consumer Financial Services Team, I hope this message finds you well. I am writing to address an issue regarding my account, [ Account NumbeXXXX : XXXX. Despite signing up for the XXXX XXXX program twice, my consistent payment history has not been reflected on my credit report. 

For over XXXX years, I have been regularly paying my electric bills, XXXX, water bill XXXX XXXX along with other accounts such as XXXX account XXXX, XXXX, XXXX and XXXX These payments should qualify for reporting through the XXXX  XXXX program. However, it seems that they have not been included in my credit file. 

Could you kindly provide clarification as to why these payments are not being reported? I have taken great care to ensure timely payments and would appreciate your assistance in resolving this matter promptly. 

Thank you for your attention, and I look forward to your response. 

Best regards, 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 2025-04-27 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: NY

Complaint narrative:
My name is [ Your Full Name ], and I am filing a formal complaint against Experian for inaccurately reporting information regarding my XXXX XXXX account ( partial account number : XXXXXXXX XXXX XXXX XXXX XXXX ). 

Several issues have been identified : - Inconsistent Account Status : The account is marked as " Paid '' yet simultaneously classified under " Collection/Charge-Off '', violating Metro 2 guidelines.

- Contradictory Comments : The account is reported as legally paid in full for less than the balance but still reflects a loss, misleadingly suggesting an outstanding balance.

- Inaccurate Balance Reporting : Despite a reported balance of {$0.00}, the narrative implies a remaining unpaid balance, violating FCRA 15 U.S.C 1681e ( b ) regarding the duty to ensure complete and accurate information.

These inconsistencies cause significant harm to my creditworthiness and misrepresent the true state of the account.

Requested Action : - Immediate reinvestigation of the reporting of the XXXX XXXX account. 
- Correction of the account information to accurately reflect that it was settled with a {$0.00} balance and no outstanding obligation. 
- Removal of any charge-off or loss notation if the account is fully paid as reported. 

I am requesting that Experian update, correct, or delete this account in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I expect written confirmation of the results within the 30-day period mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX. 
Please provide the following information : XXXX. 
The name and address of the original creditor. 
XXXX. 
The original account number associated with the debt. 
XXXX. 
The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added. 
XXXX. 
Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency. 
XXXX. 
Copies of any signed agreements or contracts establishing my liability for this debt. 
XXXX. 
Proof that the debt is within the applicable statute of limitations. 
XXXX. 
Copies of any judgments obtained against me ( if applicable ). 
XXXX. 
The full name and address of any previous collectors who have attempted to collect this debt. 
Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt. 
Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
The XXXX XXXX XXXX was replaced with a target circle card in XX/XX/XXXX. The processor was changed to TD bank, all without properly notifying customers. Under the XXXX XXXX XXXX system monthly statements, when there was a transaction in the prior statement cycle, were properly Emailed. A payment due date and account balance was properly advised via electronic payment handling ( email and/or SMS messaging ). 
After TD bank took over ( between XX/XX/XXXX and XX/XX/XXXX ) those statements ceased to come to our Email. 
My wife sporadically buys things at XXXX but tends to use other credit cards for purchases. I handle the monthly credit card bills based on Emails and SMS from XXXX different store cards and credit cards. I have done so for the past XXXX years and never missed a payment ( over XXXX payments on time! ). On XX/XX/XXXX I was advised via XXXX XXXX of a significant drop in my credit rating from XXXX to XXXX with a note stating I had a delinquent account. I obtained my detailed credit report and found that XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX purchases at XXXX using the XXXX card went unpaid. I immediately settled the {$250.00} and the account is now paid in full ( inclusive of penalties ). From the middle of XXXX till today XX/XX/XXXX, I received no calls, warnings, emails or anything about these outstanding charges. I do not have any notice from XXXX about marking my account delinquent. I called XXXX XXXX XXXX customer service and spoke to them at length on XX/XX/XXXX. I was not given due respect for my impeccable payment record, and they refused to refund late/missing payment charges of {$71.00}. I was made to feel like a common thief to put it bluntly. 
I believe that Target and TD Bank, the card processor, are acting illegally when they state they are no longer obliged to Email or text Statements and payment due notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

Also there are other various things that XXXX, XXXX  and transUnion will not let me dispute and refuse to remove these accounts outside of the student loans thats already been mentioned from my credit Report. 

To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are the result of identity theft. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, I am requesting that you block the reporting of the fraudulent information.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

Also there are other various things that Experian, XXXX and XXXX will not let me dispute and refuse to remove these accounts outside of the student loans thats already been mentioned from my credit Report. 

To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are the result of identity theft. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, I am requesting that you block the reporting of the fraudulent information.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

Also there are other various things that XXXX equifax and XXXX  will not let me dispute and refuse to remove these accounts outside of the student loans thats already been mentioned from my credit Report. 

To Whom It May Concern, I am writing to formally dispute certain items on my credit report that are the result of identity theft. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, I am requesting that you block the reporting of the fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Made an electronic payment multiple times each payment is being applied late and even when applied access to open credit limit is being denied for 14+ days .. when I reach out to understand why there is a delay in posting and access they share it is their policy, this is an unfair and adverse practice that XXXX XXXX is holding payments and once posted still placing hold on open credit limit access.

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 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Between XXXX and XX/XX/year>, unauthorized transfers occurred on my Chime account totaling approximately {$2000.00}. I was primarily using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account during this time and was not actively using Chime. 



When I logged into Chime, I noticed missing funds. I immediately filed a dispute with Chime. Despite providing a police report to support my claim, Chime denied my dispute, stating that no error occurred. 



Additionally, my transaction history inside Chime has been deleted or is not loading properly, making it difficult to review the transfers myself. I believe Chime has mishandled the investigation and ignored key evidence. 



I am requesting that Chime fully reopens my claim and refunds the {$2000.00} that was removed without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed multiple unauthorized credit inquiries on my credit report from companies I have never heard of and never gave permission to access my credit. These hard inquiries appeared on XX/XX/year>. I did not apply for credit, loans, or services with these companies, nor did I authorize any third parties to check my credit during this time. I have contacted the companies directly to dispute the inquiries, but I have not received a resolution. These unauthorized inquiries are negatively impacting my credit score.

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 2025-04-27 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 mailed XXXX XXXX XXXX a debt validation letter under 15 U.S.C. 1692g and a method of verification request under 15 U.S.C. 1681i. They failed to provide any proof or documentation validating this account. Despite their failure, they continue reporting inaccurate and unverifiable information to Experian, harming my creditworthiness. This is a direct violation of the FCRA and FDCPA. I am requesting immediate removal of the account ( Account : XXXX ; Balance : {$2000.00} ). If this is not corrected, I am prepared to escalate this legally.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-27 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 have disputed this XXXX XXXX XXXX account ( {$2400.00} ) multiple times without proper verification. Pursuant to FCRA 15 U.S.C 1681i and 1681s-2, they have failed to validate the debt and continue reporting inaccurate information. They failed to provide any original signed agreement, billing statements, chain of assignment, or validation documents after multiple disputes. No legal proof of the debt was ever given. If not corrected immediately, I intend to pursue legal action for willful noncompliance with 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 explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
INACCURATE INFORMATION REPORTING ON CONSMER REPORTS ; EMPLOYMENT : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 
INACCURATE ADDRESSES:XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> INACCURATE ACCOUNTS : XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time and paid of all full and all acount close long time already. The consumer reporting agencies need to report all information with complete accuracy. I'm now requesting you investigate this account and update these payments to paid on time And update account good standing immediately. Thank you for your understanding.

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 2025-04-27 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time and paid of all full and all acount close long time already. The consumer reporting agencies need to report all information with complete accuracy. I'm now requesting you investigate this account and update these payments to paid on time And update account good standing immediately. Thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
XXXXXXXX XXXX  account was written off as a profit loss, taxabale income forms was never sent to me. you claim i owe the balance after you took a tax break.

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 2025-04-27 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: NY

Complaint narrative:
Every year this company charges me with an annual fee that is actually astronomical. They should be in trouble just for that however, the card has been paid off. They add this fee and then they mark me as late on my credit report days later my account is paid off and its never late and when I contact them, they never give me the information that I need. I have disputed XXXX this through the credit bureaus and the Credit card company.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Every year this company charges me with an annual fee that is actually astronomical. They should be in trouble just for that however, the card has been paid off. They add this fee and then they mark me as late on my credit report days later my account is paid off and its never late and when I contact them, they never give me the information that I need. I have disputed XXXX this through the credit bureaus and the Credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Every year this company charges me with an annual fee that is actually astronomical. They should be in trouble just for that however, the card has been paid off. They add this fee and then they mark me as late on my credit report days later my account is paid off and its never late and when I contact them, they never give me the information that I need. I have disputed XXXX this through the credit bureaus and the Credit card company.

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