vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: OH

Complaint narrative:
I received negative reporting from Best Egg ( XXXX XXXX XXXX - XXXX, PA XXXX ) in XXXX 2023.I contacted them on XX/XX/year>2023, and received email confirmation that the delinquency status was an error and should be removed. My credit reports for XXXX and XXXX were reflected correctly, however XXXX is still showing this account with a 30-day delinquency flag for XX/XX/year>2023. I need all three credit bureaus to reflect that these payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
I received negative reporting from Upgrade ( XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, AZ ) Between XXXX and XXXX of 2023, Upgrade is reporting my status as 30 and 60 days delinquent on Trans Union and Equifax. TransUnion shows XXXX as 30 days and XXXX as 60 days, Equifax shows XXXX as 30 days and XXXX as 60 days. 

This matter was brought to the attention of XXXX who then provided email confirmation recognizing that the delinquency was incorrect. XXXX was updated however the other bureau 's were not. 

On XX/XX/XXXX2023 I entered into an agreement to pay {$180.00} on XX/XX/XXXX/23, XX/XX/XXXX23 and XX/XX/XXXX23 for account number XXXX. All three of these payments were made and proof is attached. 

The XXXX payment was made on XX/XX/XXXX2023 when I spoke to the representative. The XXXX payment was made on XX/XX/XXXX/23 and the XXXX payment was made on XX/XX/XXXX/23. None of these payments were 30 or 60 days late.

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 2025-03-09 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:
Dear CFPB Representatives, I am submitting a formal complaint against XXXX XXXX XXXX, as well as the credit reporting agencies XXXX and TransUnion, for violations of the Fair Credit Reporting Act ( FCRA ) regarding the handling of my closed account. 

Issue Details : My XXXX XXXXXXXX XXXX account was closed and charged off in XX/XX/year>. 
However, my credit report with XXXX and TransUnion continues to show that this account is being updated monthly as if it were a new delinquency. 
This practice, known as re-aging, is illegal under the FCRA because it artificially resets the delinquency date and unfairly extends its negative impact on my credit history.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
This is the second formal complaint about portfolio recovery associates to the CFPB. 
XXXX XXXX at XXXX pm I received a voicemail stating the following. 
" This message is intended for XXXX XXXX. My name is XXXX calling in regards of legal complaint. Scheduled to be filed out tonight with case number XXXX. If you will not be available to receive and sign for the legal documents coming to your current residence or place of employment, you will need to contact the issuing office immediately It is It is urgent they speak Today or they will be Forced to move forward without your participation or consent You have been notified.. '' I returned the phone call on XX/XX/year> at XXXX pm and spoke to a gentleman name XXXX. I informed XXXX to cease and desist any further communication with me, or be in violation of ( FDCPA ) 15 USC 1692 C ( C ). 
XXXX was extremely unprofessional and rude. He hung up on me twice. I called back the third time and spoke to XXXX again while he thought it was funny talking to me while chewing on ice in my ear, very unprofessional. 
XX/XX/year> at XXXX pm someone knocked on my front door trying to serve me court papers. This person was caught on home video surveillance, taking pictures of my personal assets. I confronted the individual about the photos being taken, and I was told. hey pal, Im just doing my job. 
I have sent two individual letters to portfolio, demanding cease, and desist regarding this alleged debt. The statute of limitations are up and portfolio recovery associates are in violation of, ( FDCPA ) 15 USC 1692 C ( C ). I have meticulously documented seven violations from portfolio recovery associates. I will be taking appropriate actions, including filing a formal complaint and seeking legal recourse for these violations.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX. I made a chime to chime transfer of {$35.00} to a person who was selling XXXX XXXX tickets online. I told the person that I will buy 1 tickets at a time and remit half of price of ticket then half after. After I had sent the first half, the seller ghosted me. I immediately called Chime customer service a few minutes later who advised me to submit a dispute. I waited 10 days only for them to reach out and tell me that they were denying be because they don't dispute transfers. 

XX/XX/XXXX I bought some credits from an online merchant and never got the credits. I paid 4 times {$10.00}. 3 times on the 12th and once on the 16th. I reached out to merchant and they advised me that this account was closed and to reach out to Chime to get my money XXXX reached out to Chime and the agent I initially spoke with on the 16th advised me that they would be able to put a block on it and reverse the transactions. I waited couple days and nothing. I reached out again only for them to dispute it which eventually got rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: PR

Complaint narrative:
I have been disputing the Public Record ( bankruptcy file ) since XX/XX/year> +in my credit report due to inaccurate information ( wrong file #, unlawfully failing to properly investigate my disputes, reporting that they obtained information from the court when they did not, etc... ). Unfortunately, the disputes have not been resolved the right way because Equifax has been ignoring the US Bankruptcy Court documents that I have attached to support the disputes. In addition, Equifax have been reporting the same message in all disputes : " WE HAVE VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. This automated message is sufficient evidence that they are not investigating my disputes using the supporting documents from the US Bankruptcy Court. For more details, please see attached documents ( Equifax complain XXXX ) and other US Bankruptcy Court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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 am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CO

Complaint narrative:
Equifax refuses to fix a duplicate account that keeps showing up. I keep disputing it but somehow they " verify it '', and refuse to remove the duplicate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CT

Complaint narrative:
I requested TransUnion to fix my credit report profile in their system because third-party systems can not find any information about me in the TransUnion database XXXX Over a month ago, I created a support request ( Case # XXXX ) and have escalated it multiple times, but the issue remains unresolved. I was informed that my profile is split for some reason and needs to be corrected. Due to this issue, I am unable to use services that require TransUnion credit score checks.

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 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
Bankers Healthcare Group ( BHG Financial, hereafter referred to as BHG ), XXXX XXXX ( hereafter referred to as XXXX ), and XXXXXXXX XXXX XXXXXXXX ( hereafter collectively referred to as XXXX XXXX  ) engaged in multiple deceptive trade practices under Texas Deceptive Trade Practices Act and Federal Consumer Protection Laws disguising predatory and unfair consumer lending product as a business lending instrument as a means to circumvent and effectively strip away consumer protection of the personal guarantor and business owner. Additionally, the hiding or otherwise emitting of details on fees pertaining to lending. They further engaged in unfair business practices in breach of good faith and fair dealing and violated terms of the contract. A resolution to this claim is just and should be reached in good faith. A complete detailed description of the actions, supporting material, and proposed resolution has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Inaccurate information reported to the credit bureau. I disputed this account 3x no verification giving.

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 2025-03-09 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: OH

Complaint narrative:
I received negative reporting from Upgrade ( XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, AZ ) Between XXXX and XXXX of 2023, Upgrade is reporting my status as 30 and 60 days delinquent on Trans Union and Equifax. TransUnion shows XXXX as 30 days and XXXX as 60 days, Equifax shows XXXX as 30 days and XXXX as 60 days. 

This matter was brought to the attention of XXXX who then provided email confirmation recognizing that the delinquency was incorrect. XXXX was updated however the other bureau 's were not. 

On XX/XX/XXXX2023 I entered into an agreement to pay {$180.00} on XX/XX/XXXX/23, XX/XX/XXXX23 and XX/XX/XXXX23 for account number XXXX. All three of these payments were made and proof is attached. 

The XXXX payment was made on XX/XX/XXXX2023 when I spoke to the representative. The XXXX payment was made on XX/XX/XXXX/23 and the XXXX payment was made on XX/XX/XXXX/23. None of these payments were 30 or 60 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I received negative reporting from Upgrade ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ ) Between XXXX and XXXX of XXXX, Upgrade is reporting my status as 30 and 60 days delinquent on XXXX XXXX and XXXX. XXXX shows XXXX as 30 days and XXXX as 60 days, XXXX shows XXXX as 30 days and XXXX as 60 days. 

This matter was brought to the attention of XXXX who then provided email confirmation recognizing that the delinquency was incorrect. XXXX was updated however the other bureau 's were not. 

On XX/XX/XXXX I entered into an agreement to pay {$180.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for account number XXXX. All three of these payments were made and proof is attached. 

The XXXX payment was made on XX/XX/XXXX when I spoke to the representative. The XXXX payment was made on XX/XX/XXXX and the XXXX payment was made on XX/XX/XXXX. None of these payments were 30 or 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-09 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: NC

Complaint narrative:
Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX. # XXXX. Opened XX/XX/year> Your entity has continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy, and you are in violations of 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 explanation
Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-03-09 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: AL

Complaint narrative:
Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRY : XXXX XX/XX/year>

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 2025-03-09 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 am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

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