vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/XXXX, Discover Bank closed my credit card account at their discretion. While the account was open, I made 100 % of my payments on time. I have not missed any payments at any point during the life of this account. 

However, starting in early XXXX, Discover began reporting the account as 3059 days late, specifically in XXXX and XX/XX/XXXX, despite the fact that the account was already closed in XX/XX/XXXX and no payments were missed. They also reported a {$210.00} past-due balance, even though my credit reports show the account status as Current, with XXXX days late and 100 % on-time payments. 

This reporting is inaccurate, misleading, and damaging to my credit history. It falsely suggests that I became delinquent on an account that was no longer active. Additionally, this late payment reporting appears to extend the timeline of derogatory marks on my credit report, further harming my creditworthiness. 

On XX/XX/XXXX, I sent a formal written request to Discover Bank asking for verification of the reported late payments and a breakdown of the {$210.00} past-due balance. I asked them to provide supporting documents such as the original account agreement, proof of missed payments, and a full payment history. As of today, I have received no documentation or verification from Discover. 

I have attempted to resolve this directly with Discover, but they continue to report this false information. As a result, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). Their reporting violates : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibition of reporting inaccurate information FCRA 1681s-2 ( b ) duty to investigate and correct disputed information FCRA 1681i ( a ) ( 5 ) requirement to delete unverifiable information I am requesting that the CFPB investigate this matter and instruct Discover to : Remove the false late payment reporting from XXXX and XX/XX/XXXX Correct or delete the {$210.00} past-due status Delete the negative reporting if Discover is unable to verify their claims with documentation This false reporting has caused financial harm and I am requesting urgent correction or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit reporting bureaus are showing an incorrect address of XXXX XXXX XXXX. XXXX . XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit reports. I have never lived at this address and have asked repeatedly that it be removed. Also my Equifax score is showing XXXX on the Equifax website but showing XXXX on XXXX XXXX. Equifax did not update my account information and show an account was closed and a new one was opened.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The credit reporting bureaus are showing an incorrect address of XXXX XXXX XXXX. XXXX . XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit reports. I have never lived at this address and have asked repeatedly that it be removed. Also my Equifax score is showing XXXX on the Equifax website but showing XXXX on XXXX XXXX. Equifax did not update my account information and show an account was closed and a new one was opened.

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 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX are trying to sue me for a debt to another company filed XX/XX/XXXX. Papers were served to someone else on XX/XX/XXXX. A week after papers served I got a letter stating to contact regarding settlement options dated XX/XX/XXXX. A week after that I got a letter date XX/XX/XXXX with no post mark claiming intent to sue. I have made several attempts daily to call this company regarding settlement and left many messages. Nobody answers and nobody calls back. If I wait on hold I get disconnected. Despite my repeated attempts to contact the company regarding the settlement offer they mentioned in letter the company continues not to communicate with me. This company has 1 star rating and is not credited by XXXX and has numerous complaints for the same thing as well other questionable activity such as not honoring amounts and payments and changing amounts allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-26 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-03-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-27 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX is Involved in Obstruction Of Justice in XXXX / TRUIST Bank Fraud Federal Regulator in Termination of Two Unathorized TRUIST Visa CREDIT CARD ACCOUNTS on XXXX Credit File In Written Disclosure The Claimant has Criminal Investigations with Case Numbers # XXXX North Carolina Comissioner of Banking Regulatory Office XXXX NC in TRUIST BANK NA XXXX XXXX  XXXX XXXX XXXX XXXX is Victim of Fraud and Identity Theft in TRUIST BANK XXXX XXXX REQUREMENT by XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to XXXX USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand immediate correction under the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 Credit Reporting Resource Guide standards. The following items are incomplete, incorrect, or violate my rights under federal law, and I request a full investigation pursuant to 611 ( a ) of the FCRA. 

Disputed Items Account Name/Type XXXX XXXX XXXX XXXXXXXX Account numberXXXX XXXX XXXX XXXX 

Inaccuracy : XXXXXXXX XXXX XXXXXXXX Account numberXXXX XXXX XXXX XXXX. 

Violation : Failure to report accurately under FCRA 607 ( b ) ( duty to maintain reasonable procedures ) and Metro 2 guidelines. 

Account Name/Type : XXXXXXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX 

Inaccuracy : This account has been removed, and it came back on my credit report. 

Violation : Reporting of unverified information in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( duty of furnishers to provide accurate data ). 

Legal Basis for Dispute FCRA 611 ( a ) : You are required to conduct a reasonable investigation within 5 days and correct or delete inaccurate, incomplete, or unverifiable information.

FCRA 605 : Prohibits reporting outdated negative information ( e.g., bankruptcies older than 10 years, late payments older than 7 years ).

Metro 2 Standards : Inaccurate reporting of payment history, balances, or account statuses violates the Consumer Data Industry Association ( CDIA ) guidelines.

Demand for Action Investigate and Correct the disputed items in compliance with Metro 2 standards and the FCRA.

Provide Documentation : Supply the method of verification ( MOV ) used to confirm the disputed items, per FCRA 611 ( a ) ( 7 ). 

Delete or update all inaccuracies immediately and provide an updated credit report. 

Failure to comply with this request will result in further legal action, including claims for : Willful non-compliance under FCRA 616 ( statutory damages up to {$1000.00} per violation ).

Actual damages for harm caused by inaccuracies under FCRA 617.

Attorneys fees and costs. 

I expect written confirmation of receipt and resolution within 5 days. 

Sincerely, 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 2025-03-26 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: PA

Complaint narrative:
I checked my personal credit reports for the credit bureau Experian, which I acquired from your organization a few days ago and I noticed that this unauthorized inquiries has been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted these creditors who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I asked them to cease their illegal activities immediately. But to date, there have been no responses from their office. Since sending letters more than 30 days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. Per the Fair Credit Reporting Act, I request you immediately investigate this inquiry on my credit report to determine who authorized it. If, once your investigation is complete, you find my allegation to be accurate, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report.

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 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I couldn't get into my account, even though my passwords are saved. Tried to sign on online, and it told me to call equifax so I did. Finally got a hold of a representative, and told them I couldn't sign on and they updated a few personal information, but I still was never successful at signing in. The representative stated I could just dispute things over the phone, and so I told him I wanted to dispute the medical bills that are on my report. He said he put it in, and I explained to them that per CFPB, medical bills can't be used on reports, and they said I needed to send something proving this. I said okay, but he put the dispute in as me disputing the company and not me asking equifax to remove what shouldn't be on my report. Nothing has changed on my report, but today, after I was able to dispute through XXXX XXXX yesterday, my credit score dropped XXXX points for no reason. My credit usage is not updated on equifax, I saw through XXXX, and my payment history is incorrect. I can't sign on to update and I can't get help through equifax to get onto my own report.

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 2025-03-26 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: IL

Complaint narrative:
Recently, I reviewed a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding the credit bureaus will investigate this account to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
All money that was stolen when my cash app # XXXX XXXX was hacked in XXXX I lost a total of XXXX plus all dispute was denied and cash app lied about having a super visor call me then they made me lost my bank account that was Connected to cash app then they closed and locked me out my cash app never gave money even though I sent them paper work and proof of fraud like they system automated to deny you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
On XX/XX/year>, I disputed inaccurate information regarding my XXXX  account ( # XXXX ). Despite this, XXXX continues to report inconsistent and incorrect information to TransUnion, Experian, and Equifax, violating the FCRA ( 15 U.S.C. 1681s-2 ).

Inaccuracies include conflicting balances ( {$0.00} vs. {$260.00} ), dates of last activity, closed dates, and payment history.

I request CFPB intervention to require immediate deletion from there systems and all three of the credit reporting agency Experian, Equifax, and Transunion and a written explanation from XXXX once this is 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 non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
On XX/XX/year>, I disputed inaccurate information regarding my XXXX  account ( # XXXX ). Despite this, XXXX continues to report inconsistent and incorrect information to TransUnion, Experian, and Equifax, violating the FCRA ( 15 U.S.C. 1681s-2 ).

Inaccuracies include conflicting balances ( {$0.00} vs. {$260.00} ), dates of last activity, closed dates, and payment history.

I request CFPB intervention to require immediate deletion from there systems and all three of the credit reporting agency Experian, Equifax, and Transunion and a written explanation from XXXX once this is removed.

Company response to consumer: Closed with non-monetary relief