vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
Complaint Details : Issue : Discover is reporting a debt on my credit report despite no longer owning the debt, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Description of the Problem : I am filing this complaint against Discover Financial Services for unfair and deceptive credit reporting practices. The company is reporting a debt on my credit file, even though they no longer own the account.

Under FCRA ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information must report only accurate and complete information. If Discover has sold, transferred, or assigned the debt, they no longer have the legal right to report it as an outstanding obligation under their name.

Additionally, under FDCPA ( 15 U.S.C. 1692e ( 8 ) ), misrepresenting the legal status of a debt is a deceptive practice and a clear violation of federal law. 

Since 2018, I sent a formal dispute letter to Discover requesting debt validation and proof of ownership. However, they have failed to provide sufficient documentation proving that they own the debt or have the authority to report it. 
I have proof they received payment and the balance was zeroed out and requested a payoff letter. 
Despite my dispute, Discover continues to furnish inaccurate and misleading information to credit reporting agencies, which is damaging my credit and causing financial harm.

Resolution Requested : 1. Immediate removal of the inaccurate debt from all credit bureaus ( Equifax, Experian, and TransUnion ) if Discover can not provide verifiable proof of ownership.

2. Correction of all misreported account information per FCRA and FDCPA guidelines.

3. Monetary compensation for damages caused by Discovers false reporting, including loss of credit opportunities.

4. CFPB investigation into Discovers reporting practices to determine if this is a pattern of misconduct affecting other consumers.

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

Complaint narrative:
Experian had failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Th Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inactions violates federal law and my rights 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 2025-03-03 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: 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.

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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I work for a company that my tips as a bartender get deposited every night through a company to my debit card. For the last year there have been no issue up until a week ago. Deposits got sent. The app sent a push notice from USAA that deposit was recieved. When I log in the money is just gone. No deposit shows anymore. The first time it took XXXX days the appear. The next time the funds have been missing. USAA confirmed they see the funds but my account isnt showing the money transaction or allowing access to the funds. Their solution is to Investigate leaving me with no access to the funds I need to use to pay my health care bill to keep my insurance. They absolutely know the company sent the funds, they can see it on their end, however my end doesnt show anymore funds from XX/XX/year>. I was told to wait a couple days and it should resolve. After 3 days I called again l and am now told it could take 45 days and they may not even issue the funds to me at all. 


You can see in the first photo the transfer of the funds to my checking out. Then after I transfers the money the transaction disappeared. Yet some how the money was still in my savings. What bank would allow me to transfer non existent money from XXXX account to the other?? None of them. If the funds dont exist then they can not be used. The second photo shows the funds in my checking account. 

This is clearly a banking issue with either the coding or banking but there not be a reason to hold my money that they can confirm seeing and then make me wait almost XXXX months.

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 2025-03-03 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: OH

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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

Complaint narrative:
I received a copy of my credit report form the XXXX major bureaus in which deleted items were reinstated on to my credit report. I sent letters for them to send me the information which they have used to verify such actions to which they all have failed to do so. The CFPB have filed lawsuits against experian for inadequate actions in regards to investigations to verify and validate disputes. This seems to be the norm and i want it corrected immediately.

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

Complaint narrative:
I received a copy of my credit report form the XXXX major bureaus in which deleted items were reinstated on to my credit report. I sent letters for them to send me the information which they have used to verify such actions to which they all have failed to do so. The CFPB have filed lawsuits against experian for inadequate actions in regards to investigations to verify and validate disputes. This seems to be the norm and i want it corrected immediately.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
As of today, previous lenders that were paid off are now back on my credit report showing 88 % of on-time payments. Last month on my credit report, it was reflecting 100 % on-time payment history. A lot of this information has been disputed as of 2023 and was rectified. I refinanced my auto loan ( XXXX XXXX ) last year in XXXX or XXXX and the old information from the previous loan was removed ; now it's back on my credit report. 

My credit cards, except for XXXX and real estate loan all have been paid off and reflected on my credit report via XXXX XXXX. The late payments are showing on my credit report again. I went from 100 % on-time payment history to 88 % on-time payment history as if those credit cards, auto and real estate loan are still open.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
As of today, previous lenders that were paid off are now back on my credit report showing 88 % of on-time payments. Last month on my credit report, it was reflecting 100 % on-time payment history. A lot of this information has been disputed as of 2023 and was rectified. I refinanced my auto loan ( XXXX XXXX ) last year in XXXX or XXXX and the old information from the previous loan was removed ; now it's back on my credit report. 

My credit cards, except for XXXX and real estate loan all have been paid off and reflected on my credit report via XXXX XXXX. The late payments are showing on my credit report again. I went from 100 % on-time payment history to 88 % on-time payment history as if those credit cards, auto and real estate loan are still open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
I am a victim of identity theft. There is fraudulent /error accounts, address and names on 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I notice that my student loans were once removed from all XXXX credit bureaus. They are now showing back up on my credit report, as owing over $ XXXX. It is reporting on my Transunion XXXX and XXXX report, but NOT on my XXXX. The school XXXX which I attended was also apart of the XXXX v. XXXX case that was filed in mid - XX/XX/XXXX for defrauded while in enrolled. I also have letter from XXXX that student loans have been marked paid in full. They show {$0.00} balance on all sites. XXXX, XXXX XXXX XXXX. 
I am also aware of the serious legal violations and breaches federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. 
Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of XXXX : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, with XXXX and XXXX XXXX have breached contractual terms and obligations, rendering these debts unenforceable. 
Demand for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. Complete removal of all student loans and XXXX entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I notice that my student loans were once removed from all XXXX credit bureaus. They are now showing back up on my credit report, as owing over $ XXXX. It is reporting on my XXXX XXXX and Experian report, but NOT on my XXXX. The school XXXX which I attended was also apart of the XXXX v. XXXX case that was filed in mid - XX/XX/XXXX for defrauded while in enrolled. I also have letter from XXXX that student loans have been marked paid in full. They show {$0.00} balance on all sites. XXXX, XXXX XXXX XXXX. 
I am also aware of the serious legal violations and breaches federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of XXXX, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts. 
It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of XXXX : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence.

4. Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, with XXXX and XXXX XXXX have breached contractual terms and obligations, rendering these debts unenforceable.

Demand for Resolution : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans. Complete removal of all student loans and XXXX entries from my credit report. 
Written confirmation of this cancellation and credit correction within 30 days. 
If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation