vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in Dispute : Creditor : DEPTEDXXXX  ( XXXX / U.S. Dept of Education ) Account # : XXXX Open Date:XXXX Reported Balance : {$30000.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Debt Validation Request Account # XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g. I do not acknowledge ownership of this debt and am requesting detailed verification before any further collection actions are taken.

Please provide me with the following information : 1.The name and address of the original creditor.

2.The full amount of the debt, including a breakdown of fees, interest, and other charges.

3.Proof that you have the legal right to collect this debt, including a copy of any agreement bearing my signature.

4.A copy of any judgment, if applicable.

5.The date of the last payment made on this account.

6.Any documentation showing that I am legally responsible for this debt.

Under the FDCPA, you are required to cease collection efforts until you provide proper validation of this debt. Additionally, if this debt has been reported to any credit bureaus, I request that it be marked as disputed until this matter is resolved.

Please provide the requested documentation within 30 days of receiving this letter. If you fail to validate the debt, I expect that you will cease collection activities and remove any negative reporting from my credit report.

This letter serves as a formal dispute of the alleged debt. Please respond in writing only, and do not contact me by phone. 

Sincerely, 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 2025-04-24 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: NJ

Complaint narrative:
Transunion has failed to update my credit report after multiple disputes. The balance of the credit card ( XXXX  XXXX account ending XXXX ) has been sent to all credit reporting agencies XX/XX/scrub>XXXX XXXX XXXX. Transunion still shows a balance of {$95.00} on XXXX XXXX. The correct balance is {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
Transunion has failed to update my credit report after multiple disputes. The balance of the credit card ( XXXX  XXXX account ending XXXX ) has been sent to all credit reporting agencies XX/XX/scrub>XXXX XXXX XXXX. Transunion still shows a balance of {$95.00} on XXXX XXXX. The correct balance is {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-04-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
In XXXX of XXXX an assignment of deed was filed for a refinance loan that was originated in XXXX by my mother and brother whom both have been deceased since XXXX. I question the validity of the agreement and have concern due to the amount of years before it was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Regarding Care Credit issued by Synchrony Bank. I run a rescue for senior dogs and use this card exclusively for veterinary bills, taking advantage of the no interest promotional offers to raise funds to pay the expense. On multiple occasions I have noticed that payments are not posted to the oldest promo balance, clearing that first. This leaves that balance open and as a result accrued interest charges are posted. The company claims that you must call to have the payment reallocated. This is clearly an unfair trade practice as no one knows to follow this procedure. After another instance of this happening, calling to have payments re-allocated, which they were, I noticed this morning that my account states promotional balances that are in excess of the original sale amount for XXXX invoices. This increased amount has been charged to my account. This is fraud that is going unnoticed by consumers. This company needs to be investigated with an audit performed on all accounts that contain multiple promotional balances. I first noticed this several years ago but sadly, I was too busy to investigate. I started monitoring this approximately XXXX years ago and have had to address this on multiple occasions since then. The social media ( XXXX ) page contains multiple complaints about the same. PLEASE investigate! Synchrony Bank issues the same type of credit cards to various different vendors, including auto repair, etc.

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 2025-04-24 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Bock , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-24 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I noticed my target credit card had unauthorized charges after losing my phone and wallet the week prior. I called all credit cards companies to dispute the fraudulent charges and target told me because I shop at that store location they dont believe its fraud and asked me to submit more information if I wanted them to review it again. Im not sure what information I could possibly give them. I know they claim zero liability protection for customers and they have failed at that. Before this incident Ive never had unauthorized charges or and issues with the account always paid off every month and now its so over due, due to the fraudulent charges that its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: MN

Complaint narrative:
Disputed XXXX accounts in XXXX. 
Sent debt validation for the XXXX accounts ( XXXX and XXXX ) on XX/XX/XXXX. 
Received response on XX/XX/XXXX showing XXXX accounts. 
I had only XXXX lease with this apartment complex but they are reporting XXXX different accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CBC Companies, Inc.
State: IN

Complaint narrative:
RE : Formal Demand for Deletion of Inaccurately Reported Charged-Off Account Account No. Ending in XXXX To Whom It May Concern, I am writing to notify you of serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) in relation to your reporting of the account ending in XXXX, originally opened on XX/XX/XXXX. This credit card account is currently listed as closed and charged off, yet your company continues to furnish misleading and inaccurate information to the consumer reporting agencies. 

The violations include : Monthly charge-off reporting after the account was closed. The account was charged off, yet you continue to report it as if it is actively delinquent. " CO '' has been reported for XXXX consecutive months from XX/XX/XXXX through XX/XX/XXXX, which is misleading and a direct violation of FCRA XXXX XXXX. 

Re-aging of the account. Reporting ongoing charge-offs after the original charge-off date gives the false appearance of a more recent delinquency and XXXX artificially extend the reporting period. This is deceptive and violates credit reporting standards. 

False reporting of the account status. The account is closed, yet the credit history reflects continuing negative activity, which is inaccurate. 

Failure to finalize derogatory status. Charged-off accounts should reflect a fixed derogatory status and should not continue accumulating new derogatory marks after the charge-off date. 

These actions constitute XXXX separate violations of federal law. As allowed under the FCRA and FDCPA, each violation is subject to statutory damages of up to {$1000.00}. Therefore, I am seeking a total of {$23000.00} in damages. 

You are hereby given XXXX calendar days from the date of this letter to remove this account in its entirety from all consumer reporting agenciesand provide written confirmation of the deletion. 

If you do not comply within this time frame, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also initiate legal action to seek statutory damages, attorneys fees, and any other relief permitted by law. 

This letter serves as your final opportunity to resolve this matter without legal escalation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials. 
2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions:1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
They said in order to approve my loan I needed to provide most current pay stub and a current loan payoff statement from my bank. These were to be provided on line by email. Each time I sent them this info, I kept receiving an email reply from them saying Do I have a question. When I called them several times they said they didnt receive anything. XXXX time I received an email from them in the middle of the night asking me to call them. They should tell me if Im approved and stop the games!

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