vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NV

Complaint narrative:
Following registered mail sent to third party intervener without response to : Notice of Claim Dispute Notice of No Contact Contract and Non Response Affidavit of Notary Presentment Sent XX/XX/year> Cert. Mail # XXXX No validation of Holder in Due course presented Sent XX/XX/year> Cert. Mail # XXXX Pre trial Admissions/Interrogatories/Discovery Non response Sent XX/XX/XXXX Cert. Mail # XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. and XXXX XXXX, XXXX,. successor by merger to Discover Bank ( XXXX ) Account XXXX and reference number XXXX, has violated my rights. I looked at my credit reports on XX/XX/year> and noticed some things are incomplete and not accurate. And according to 15 USC 1681 ( e ) ( b ) of 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. Pursuant to 15 USC 1681 ( i ) ( 5 ), - Treatment of inaccurate or unverifiable information, they are suppose to do this ; ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$56.00} opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections and charge-offs in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am submitting this complaint regarding a charge-off reported by Discover Card. I previously disputed this account with the credit bureaus, but at that time I did not request proof of whether a F

orm 1099-C ( Cancellation of Debt ) had been issued. I am now requesting verification that a 1099-C was issued for this account, including the date it was issued, how it was filed with the IRS, and any supporting documentation. Discover Card has not provided this information despite my attempts to confirm it. The continued reporting of this charge-off without verification of a 1099-C may be inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ), which
requires furnishers to provide only accurate and verifiable information. I am seeking documentation so I can ensure my credit report reflects correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
XXXX XXXX XXXX, inaccurately reported my XX/XX/XXXX payment as late despite {$4000.00} paid XX/XX/XXXX and {$1200.00} paid XX/XX/XXXX within 30 days, harming my credit in violation of FCRA Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan/Lease Contract Number : XXXX Vehicle : XXXX XXXX XXXX I am disputing inaccurate late payment reporting on my XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXuto finance account XXXX 

XXXX requires me to use the third-party provider XXXX for all payments, since I can not make ACH payments directly. XXXX has experienced repeated processing issues that have caused timely payments to appear late on my account, resulting in negative credit reporting. 

For example, regarding my XX/XX/XXXX payment : I paid {$4000.00} on XX/XX/XXXX I paid an additional {$1200.00} on XX/XX/XXXX Both payments were submitted within the XXXX timeframe required to avoid delinquency reporting. However, MBFSs system posted the payment as XX/XX/XXXX, and my account was reported as late. This is inaccurate. 

This is not the first time this issue has occurred ; XXXX has had to correct similar late reporting errors for me in the past, which continue to harm my credit and cause unnecessary stress. 

I have supporting documentation, including XXXX payment confirmations and my credit card statement, showing the actual payment dates. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which requires that credit furnishers provide information that is accurate and complete. 

In addition, I am required to pay XXXX convenience fees, which do not reduce my loan balance. It is unfair that I am incurring these costs while also suffering harm to my credit due to XXXX XXXXystem errors. 



Requested Resolution : Correct my XX/XX/XXXX account reporting immediately to reflect on-time payment history. 
Submit an off-cycle update to the credit bureaus so my credit report is corrected promptly. 
Implement safeguards to prevent future inaccurate late reporting due to XXXXXXXX settlement delays. 
Provide an alternative payment method ( such as ACH or direct transfer ) to avoid further issues.

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 2025-09-05 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:
XXXX XXXX XXXX, inaccurately reported my XX/XX/XXXX payment as late despite {$4000.00} paid XX/XX/XXXX and {$1200.00} paid XX/XX/XXXX within 30 days, harming my credit in violation of FCRA Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan/Lease Contract Number : XXXX Vehicle : XXXX XXXX XXXX I am disputing inaccurate late payment reporting on my XXXX XXXXXXXX XXXX XXXX XXXX ) auto finance account XXXX 

XXXX requires me to use the third-party provider XXXX for all payments, since I can not make ACH payments directly. XXXX  has experienced repeated processing issues that have caused timely payments to appear late on my account, resulting in negative credit reporting. 

For example, regarding my XX/XX/XXXX payment : I paid {$4000.00} on XX/XX/XXXX I paid an additional {$1200.00} on XX/XX/XXXX Both payments were submitted within the 30-day timeframe required to avoid delinquency reporting. However, XXXX system posted the payment as XX/XX/XXXX, and my account was reported as late. This is inaccurate. 

This is not the first time this issue has occurred ; XXXX has had to correct similar late reporting errors for me in the past, which continue to harm my credit and cause unnecessary stress. 

I have supporting documentation, including XXXX payment confirmations and my credit card statement, showing the actual payment dates. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which requires that credit furnishers provide information that is accurate and complete. 

In addition, I am required to pay XXXX  convenience fees, which do not reduce my loan balance. It is unfair that I am incurring these costs while also suffering harm to my credit due to XXXX XXXXystem errors. 



Requested Resolution : Correct my XX/XX/XXXX account reporting immediately to reflect on-time payment history. 
Submit an off-cycle update to the credit bureaus so my credit report is corrected promptly. 
Implement safeguards to prevent future inaccurate late reporting due to XXXX settlement delays. 
Provide an alternative payment method ( such as ACH or direct transfer ) to avoid further issues.

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 2025-09-05 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: NY

Complaint narrative:
XXXX, through XXXX, inaccurately reported my XX/XX/XXXX payment as late despite {$4000.00} paid XX/XX/XXXX and {$1200.00} paid XX/XX/XXXX within 30 days, harming my credit in violation of FCRA Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan/Lease Contract Number : XXXX Vehicle : XXXX XXXX XXXX I am disputing inaccurate late payment reporting on my XXXX XXXXXXXX XXXX ( XXXX XXXX auto finance account XXXX 

XXXX requires me to use the third-party provider XXXX  for all payments, since I can not make ACH payments directly. XXXX  has experienced repeated processing issues that have caused timely payments to appear late on my account, resulting in negative credit reporting. 

For example, regarding my XX/XX/XXXX payment : I paid {$4000.00} on XX/XX/XXXX I paid an additional {$1200.00} on XX/XX/XXXX Both payments were submitted within the 30-day timeframe required to avoid delinquency reporting. However, XXXX  system posted the payment as XX/XX/XXXX, and my account was reported as late. This is inaccurate. 

This is not the first time this issue has occurred ; XXXX has had to correct similar late reporting errors for me in the past, which continue to harm my credit and cause unnecessary stress. 

I have supporting documentation, including XXXX payment confirmations and my credit card statement, showing the actual payment dates. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), which requires that credit furnishers provide information that is accurate and complete. 

In addition, I am required to pay XXXX convenience fees, which do not reduce my loan balance. It is unfair that I am incurring these costs while also suffering harm to my credit due to XXXX XXXXystem errors. 



Requested Resolution : Correct my XX/XX/XXXX account reporting immediately to reflect on-time payment history. 
Submit an off-cycle update to the credit bureaus so my credit report is corrected promptly. 
Implement safeguards to prevent future inaccurate late reporting due to XXXX settlement delays. 
Provide an alternative payment method ( such as ACH or direct transfer ) to avoid further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX  XXXX XXXX XXXX XXXX XXXX {$8300.00} XXXX XXXX  XXXX  XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate late-payment histories despite my prior disputes. This is my second ( Round XXXX ) follow-up ; my initial dispute was sent XXXX days ago. I am submitting this complaint directly ( not through any third party ). 

Whats wrong The bureaus continue to report late payments on the Department XXXX XXXX accounts listed below even though I disputed them as billing errors under 15 U.S.C. 1666 ( FCBA ) and as inaccurate credit reporting under the FCRA. I have not been provided any documentary evidence that I was late. 

Accounts at issue ( all showing late payments ) : XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why this violates the law FCRA 15 U.S.C. 1681e ( b ) : Bureaus must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) : After receiving my dispute, the bureaus were required to conduct a reasonable reinvestigation and correct/delete unverifiable information but did not.

FCRA 15 U.S.C. 1681i ( a ) ( 7 ) : I requested the method of verification ( MOV ) ; the bureaus have not provided a clear description of procedures, contacts, and documents relied upon.

FCBA 15 U.S.C. 1666 : My dispute identified potential billing errors ( failure to accurately credit payments, computation/accounting errors, and lack of proper advance notice before assessing/reporting a late payment ). No written findings or supporting documents were provided within the required timeline. 

Harm These inaccurate late-payment notations are lowering my credit score and adversely affecting my access to credit and other opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate late-payment histories despite my prior disputes. This is my second ( Round XXXX ) follow-up ; my initial dispute was sent XXXX days ago. I am submitting this complaint directly ( not through any third party ). 

Whats wrong The bureaus continue to report late payments on the Department XXXX XXXX accounts listed below even though I disputed them as billing errors under 15 U.S.C. 1666 ( FCBA ) and as inaccurate credit reporting under the FCRA. I have not been provided any documentary evidence that I was late. 

Accounts at issue ( all showing late payments ) : XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why this violates the law FCRA 15 U.S.C. 1681e ( b ) : Bureaus must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 15 U.S.C. 1681i ( a ) : After receiving my dispute, the bureaus were required to conduct a reasonable reinvestigation and correct/delete unverifiable information but did not.

FCRA 15 U.S.C. 1681i ( a ) ( 7 ) : I requested the method of verification ( MOV ) ; the bureaus have not provided a clear description of procedures, contacts, and documents relied upon.

FCBA 15 U.S.C. 1666 : My dispute identified potential billing errors ( failure to accurately credit payments, computation/accounting errors, and lack of proper advance notice before assessing/reporting a late payment ). No written findings or supporting documents were provided within the required timeline. 

Harm These inaccurate late-payment notations are lowering my credit score and adversely affecting my access to credit and other opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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