vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
[ XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subject : Formal Dispute of Charge-Off XXXX XXXX Account To whom it concern, I am writing to formally dispute the charge-off notation on my credit report regarding my Navy Federal account, which was opened on XX/XX/XXXX. The account reflects a charge-off of {$5800.00}, with a written-off amount of {$5800.00}, and a past-due status as of XX/XX/XXXX. I believe this reporting is inaccurate and request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. 

Upon reviewing my records, I have reason to believe that this debt has been sold or transferred to a third party. If XXXX XXXX XXXX XXXX no longer owns the debt, they may no longer have the legal right to report the charge-off balance. As such, I request verification of the ownership and legal authority of XXXX XXXX to report this account in its current status. 

Under the FCRA, any information reported to credit bureaus must be accurate, complete, and verifiable. If XXXX XXXX XXXX XXXX is not the current owner of the debt, I formally request the following : Verification of Debt Ownership Provide written documentation that XXXX XXXX XXXX XXXX retains ownership of the debt and has the legal right to report the charge-off status. 
Proof of Account Status If the account has been transferred or sold, provide verification of the entity that currently owns the debt. 
Immediate Removal if Unverifiable If XXXX XXXX can not provide verifiable proof that they are legally authorized to report this charge-off, I demand that this account be deleted from my credit report immediately in accordance with FCRA guidelines XXXX 
I have enclosed copies of my identification, proof of address, and a copy of my credit report highlighting the disputed account for reference. 

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I expect a response within 30 days of receipt of this letter. If the disputed information can not be substantiated, please ensure its removal from my credit file and provide me with a written confirmation of the deletion. 

Please confirm receipt of this dispute and provide me with the results of your investigation in writing. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, please see the below regarding XXXX. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because XXXX has still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my XXXX account, all of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called XXXX last month on XX/XX/XXXX I believe. Here is the customer service information for the call. 
Confirmation number from XXXX XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. 

The other two credit bureaus, XXXX and TransUnion have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. 

Thank you

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, please see the below regarding XXXX. I am now dealing with a situation where my credit report scoring has now dropped 47 points because XXXX has still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my XXXX account, all of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called XXXX last month on XX/XX/XXXX I believe. Here is the customer service information for the call. 
Confirmation number from XXXX XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. 

The other two credit bureaus, Equifax and XXXX have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
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. 

XXXX XXXX IN {$3500.00} XXXX XXXX XXXX {$490.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-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

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 2025-01-30 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Upgrade Inc . 
XXXX XXXX XXXX XXXX Floor XXXX XXXX, CA XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX XXXX XXXX ) credit report and noticed some late payments posted on my credit report. 
Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
My account with XXXX XXXX BANK was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX BANK never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX, I rented a car from XXXX for the total of {$380.00}. After renting the car, I received a duplicate charge from XXXX for a total of XXXX. An erroneous charge of {$530.00} was removed via my credit card company after XXXX could not resolve the matter. 

On a bill dated XX/XX/XXXX, XXXX stated that I owed {$530.00}. It said to either call the telephone number XXXX or email XXXX. I elected to call and email. I did not receive a response. 

I emailed on XX/XX/XXXX, with no response. 
I emailed on XX/XX/XXXX, with no response. 
I called on XX/XX/XXXX, with no response. 
I emailed on XX/XX/XXXX, with no response. 
I called on XX/XX/XXXX, was told I do not owe anything, but was hung up on when I was going to be put through to the supervisor. 

On XX/XX/XXXX, I was issued with a notice from XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX and XXXX XXXX a debt collection for the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I recently reviewed my credit report and discovered an unauthorized inquiry made by TransUnion. I did not provide consent for this inquiry nor did I authorize any transactions with TransUnion. This inquiry appears to be a direct violation of my rights under various federal statutes, and I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold TransUnion accountable. 
I have contacted TransUnion directly to resolve this issue but have yet to receive any satisfactory response or resolution. I also requested documentation and proof of authorization for this inquiry, but none was provided. 

Date of Unauthorized Inquiry : XX/XX/year> XXXX balance amount : {$2200.00} Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions, including credit reporting agencies like TransUnion, are obligated to safeguard consumers ' personal data. The unauthorized inquiry made on my credit report suggests a failure to protect my information in accordance with this provision. 

Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purposes for Credit Reports ) : According to 15 U.S.C. 1681b, a credit reporting agency can only access and disclose consumer reports for specific purposes, such as with consumer consent or for transactions the consumer has authorized. As I did not authorize this inquiry, I believe TransUnion violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Violation of 18 U.S.C. 1028A ( Identity Theft and Fraud ) : 18 U.S.C. 1028A criminalizes the use of another persons identity for fraudulent purposes. If this unauthorized inquiry was a result of identity theft, I am concerned that my personal information has been used without my consent, which would be a direct violation of this statute.

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 2025-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Balance and Past Due Amount Discrepancy The account reports a balance of {$850.00} while also reflecting a past due amount of {$170.00}. These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The account reflects a payment status of " 90-119 days late '' and " 120+ days late '' despite being closed. Reporting late payments after account closure can be misleading and negatively impacts my credit score. 
Remarks Indicating Dispute Resolved by Grantor The remarks state " Dispute resolved reported by grantor, '' which implies previous dispute activity, yet errors remain. This indicates a failure to properly investigate under 15 U.S.C. 1681i ( a ).

Unverified Account Closure by Creditor The report states the " Account closed by credit grantor, '' but there is no proof that this closure was initiated by the creditor rather than voluntarily by me.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
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 2025-01-30 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: CA

Complaint narrative:
Recently I have reviewed a copy of my Transunion credit report and noticed I had a fraudulent account and inquiry on my 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address a serious issue with my credit report. It appears that an account belonging to someone else has been mixed with my credit information. This is not my account, and it is negatively affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
.According to the FCRA XXXX I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I just checked my credit report, and this account XXXX XXXX with the number XXXX is showing the wrong rating of XXXX. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you send that over? And Id like to see proof that I owe {$1500.00}, because I dont owe it. 
Just so you know, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) says if you cant verify something, it has to be removed. I look forward to you fixing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, please see the below regarding Experian. I am now dealing with a situation where my credit report scoring has now dropped XXXX points because Experian has still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my Experian account, all of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called Experian last month on XX/XX/XXXX I believe. Here is the customer service information for the call. 
Confirmation number from Experian XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. 

The other XXXX credit bureaus, XXXX and XXXX have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. 

Thank you

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I mistakenly sent money to to the wrong person. When contacting cashapp they told me to contact that person and ask them to send it back. Not knowing the person it was never sent back and cashapp would not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I answered once, over a year ago. The recording said something about it being a debt collection agency. I hung up and blocked the call. They continue to call me daily, multiple times a day from various numbers ( XXXX numbers, XXXX numbers, etc ) ; different numbers, same name comes up : XXXX. I block the numbers when they come in and the next day, a new number calls. This has been happening for over a year.

Company response to consumer: Closed with non-monetary relief