vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
Company : Discover Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am unaware of this alleged account being reported by Discover Bank and was never given prior notice or a proper opportunity to dispute or verify it, as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

If Discover Bank believes this account was reported accurately and lawfully, I demand full documentation be sent via Certified Mail, including a signed receipt bearing my name, a copy of the original agreement, and any records proving my responsibility for the debt.

If they fail to provide this, the debt is unverifiable and must be immediately removed from all consumer credit reports.

Noncompliance will result in formal complaints filed with the Federal Trade Commission, the Texas Attorney Generals Office, and may lead to legal action for federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-05-07 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Reporting that a debt of over {$10000.00} is owed and is reporting incorrectly also have a debt of {$220.00} dollars on another line is reporting without my permission

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 2025-05-07 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: TX

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-05-08 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 CXXXXe XXXX. 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 to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXXb ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-07 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: DC

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 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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am filing this complaint in reference to several outstanding medical debts reflected on all three major credit reports that are not correct and if there were any outstanding medical debts that belong to me my insurance would have paid them already. Also I receive Non-Stop emails, phone calls and letters sent to multiple addresses over the course of a few years trying to elicit payment from me for these unknown, unauthorized and incorrect outstanding medical debts that are having a very negative effect on my credit report as well as my credit score and therefore my ability to obtain potentially very beneficial and even necessary loans that if it weren't for these medical debts that are currently sitting in collections, I would certainly be able to access unlike I currently am not. All of my interactions with live Representatives relating to these debts and the collection agencies they belong to have been nothing short of very unprofessional disrespectful rude threatening and a flat out refusal to discuss the details of the debts and the information pertaining to them every time Ive requested it. I would like to add another important detail concerning my identity and fraudulent activity on my credit report over the course of the last few years as a result of multiple data breaches that unfortunately I have been involved with compromising much of my personal information and I've had to do damage control as well as filing disputes due to all of the fraudulent activity stemming from my large amount of personal data being breached I have filed multiple disputes for multiple different accounts were not authorized by me nor was I aware of and had good success for the most part in dealing with that challenge with exception of these several nasty creditors and their accounts they are trying to elicit payment from me to settle. I have filed an identity theft report with the FTC I have put a security freeze on my credit account I have done everything necessary in order to dim the bleeding from the data leaks and cleaning up the resulting mess from that. I would really appreciate any assistance I may be able to receive in dealing with the outlined explaining circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX Current XXXX : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The Problem is when they offered the payment arrangement. They didn't say that when the payment is after the XXXX it's late. They waited a whole year to state this added over the top late fees. Maybe in my anger I didn't express it clearly. But every representative says something totally different. I was told when I make my payment it will make it current. They failed to mention if by paying bi weekly if my pay was after the XXXX it would number one hit my credit report and second create more late fees. This was expressed a whole year later. Then when they reach out said I missed a payment. So excuse my confusion if you even see a payment arrangement was made. They are in clear and in fair to wait a year to state that and expect me to have XXXX laying around in this economy.

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 monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an issue I encountered with Truist Bank and XXXX XXXX XXXX  regarding a payment made to my XXXX XXXX XXXX XXXX 

1. Transaction Details : On XX/XX/2025, I scheduled and processed a payment through Truist Banks online bill pay service. The payment was confirmed by Truist as Completed on XX/XX/2025, and I was assured that the payment would be delivered to XXXX XXXX XXXX  on this date. 
However, XXXX XXXX XXXX  did not receive the payment until XX/XX/2025, resulting in a late fee and the possibility of interest charges. 
Despite the payment being marked as Completed on XX/XX/XXXX, and being assured that it would be delivered on that date, XXXX XXXX XXXX  did not receive the payment until XXXX days later. This delay caused me to incur late fees and interest fee charge despite making the payment on time and receiving confirmation from Truist that it would be processed by the due date. 
I have contacted both Truist and XXXX XXXX regarding this issue. However, neither bank has accepted responsibility for the delay, leaving me financially penalized despite having followed all procedures on my part. 
Truist has stated that even though the payment was marked as Completed on XX/XX/XXXX, it does not guarantee that it would be received by XXXX XXXX XXXX  on the same day. This response does not align with the confirmation I received from Truist or the expectations set by the bank. 
I am attaching relevant screenshot of Truist Bank showing the payment as Completed on XX/XX/XXXX, as well as statements and communication with XXXX XXXX XXXX 

This issue arose because Truist confirmed the payment as Completed on XX/XX/XXXX, leading me to believe that the payment would be processed and received by XXXX XXXX on time. Truists failure to ensure timely processing or to clarify that the payment might not go through as scheduled has caused me unnecessary stress and financial harm. I now have to deal with late fees and the possibility of interest charges despite having made the payment on time, based on Truists confirmation. 

Thank you for your attention to this matter. 
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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because my credit report contains multiple errors that are seriously affecting my life and financial stability. These inaccuracies are damaging my credit score and blocking me from moving forward financially. Ive reached my limit with the stress this has caused.

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 2025-05-07 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:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. XXXX XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> Navy federal closed my account without notice prior notice. I provided my information When called and ask for reason they stated they cant provide that information. Being Im out of the country for six months for work I requested to send me my funds so my family can help me.they refused to return my money. They have violated 12 USC1761b, 12 USC 5481 et seq. and requlation E 12 CFR part 1005.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a response from Capital One ( XXXXXXXX XXXX XXXXXXXX ) regarding my prior CFPB complaint ( ID : XXXX ). In the letter, Capital One acknowledged that the restrictions placed on my checking account were removed on XX/XX/XXXX, and their previous decision to end the banking relationship was overturned. However, they denied my request for compensation. I am formally appealing this denial. 

The issue began in XX/XX/XXXX, when I discovered an unauthorized transaction in my account and promptly reported it to Capital One. Despite my immediate action, the bank closed my account without any warning or explanation. For nearly XXXX years, I was denied access to my account and received no resolution or communication. 

Only after filing a complaint with the CFPB in XX/XX/XXXX did Capital One respond and restore my account. However, by then, the damage was done. I suffered financial lossesincluding a bounced check and being denied financial servicesas well as emotional distress caused by the prolonged silence and mishandling of my case. 

I am seeking a formal explanation, an apology, and compensation for the damages I endured. Specifically, I request {$15000.00} to cover the financial losses, reputational harm, and emotional distress caused by the prolonged account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with explanation