vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Credit Report Dispute Under Fair Credit Billing Act Inaccurate Late Payment Reporting by Discover Financial Services Dear [ XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute inaccurate information currently appearing on my credit report. The account in question is a credit card account issued by Discover Financial Services. My report shows late payments that I believe are inaccurately reported or misrepresented. 

Under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, payments must be credited on the date of receipt, and delays not resulting in finance charges or penalties must not be used to report late payments. I believe Discover Financial has violated this requirement in their reporting to your bureau.

Here are the relevant details : Creditor Name : Discover Financial Services Account Number : [ Insert partial account number, if known ] Nature of Dispute : Inaccurate reporting of late payments Reason : Payments were made on time or should not have been posted as late due to processing delays that violate 15 USC 1666b I request that your bureau initiate an investigation into this account and request verification from the furnisher ( Discover Financial ). If the information can not be verified as accurate, it must be removed from my credit file under the Fair Credit Reporting Act ( FCRA ).

Enclosed are copies of supporting documents : A copy of my government-issued ID A recent utility bill ( for address verification ) [ Optional : Any relevant payment confirmations or statements ] Please complete the investigation and provide me with written confirmation of the results within 30 days as required by federal law. 

Sincerely, XXXX XXXX Addresses of the Major Credit Bureaus 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been receiving incessant calls from numbers associated with Midland Credit Management. I have no debts and no account with that company. Most times I have answered the calls it is just a beeping noise. Tonight, I answered and a man with a very thick account asked for XXXX. I explained that I have no account and I was being harassed and to remove my phone number from their system. I then reached out to their chat on the website. The rude agent, XXXX XXXX, refused to help until I provided my full name, address, and date of birth. I'm not comfortable providing this random company any personal information All I want is for them to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
b'XXXX  shows an incorrect Account Name and an incorrect account number.   It shows NAVY FEDERAL CR UNION and it shows XXXX which is not an account we recognize. It appears to be documentation of UNLAWFUL CONVERSION and misappropriation or misapplication of funds as None of our payment receipts show such information and none of our account information shows such information. Therefore, this appears to be a fraudulent account. \n\nXXXX  shows on XXXX XXXX XXXX a potentially negative credit report on Navy Federal CR Union showing a past due payment which we disputed. The amount showed 30 days past due in XXXX XXXX on said account. The Account Info appears similar to mislead but is not exact and it shows such a late payment XXXX XXXX   However, we previously disputed the amount and we disputed Navy Federal Credit Union handling of the payments, Navy Federal Credit Union failing to properly process payment instruments. CFPB then fined Navy Federal about XXXX XXXX  for its unfair practices.  We demand that XXXX remove the PAST DUE and place a DISPUTE on the mortgage.  There is no DISPUTE marking on the account and since XXXX XXXX, Navy Federal Credit Union still has not put a DISPUTE notice QWR on the account. Neither has XXXX  \n\nThe XXXX XXXX XXXX XXXX  Credit Report shows\n\n\nNAVY FEDERAL CR UNION\n\nPotentially Negative\nAccount Info\nAccount NameNAVY FEDERAL CR UNION\nAccount Number. XXXXnAccount TypeMortgage\nResponsibilityIndividual\nDate Opened0XXXX\nStatusOpen.\nStatus UpdatedXXXX XXXX\nBalance$XXXX\nBalance UpdatedXXXXXXXX\nRecent Payment$XXXX as of XXXX\nMonthly Payment$XXXX\nOriginal BalanceXXXX\nHighest Balance-\nTerms30 Years\nPayment History\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nCurrent / Terms met\n30\nPast due 30 days\n\nPayment history guide'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has not followed compliance or the rules for providing my free annual credit report online. I have tried many times in the past and also on XXXX several times as well. The company never provides the information of my free credit report online. The company will have several identifying probes in which are fraudulent. For instance, they will have a question asking which account in the list have I not had, and it would be more than XXXX company that I have never had an account with. This is deceptive practices so they are unable to provide a free annual credit report online. I am unable to receive my report with this company online at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
I m in disagreement with the account listed below which still appears on my credit report, even after your investigation. 
I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score Account ( XXXX  ) ( XXXX ) In accordance with the fair credit reporting act, public law 91-506, title VI section 611, please provide the names and business addresses of each individual with whom you verified the account, so that i may follow up. please send me an updated copy of my credit report after your re-investigation.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account continues to report errors after you ( XXXX XXXX # XXXX ) claimed to have verified it. The FCRA says that you have to tell me this within 15 days if I ask pursuant to 15 U.S.C. 1681i ( 6 ) ( B ) ( 7 ), Description of the procedure. I am asking to see the Flow Agreement, Ownership of the Debt, Original contract, or Transfer of Assignment. LVNV Funding fails to provide adequate proof of its ownership of debt. The lawsuit of XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to report TransUnions willful failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly regarding their obligation to investigate and respond to disputes in a timely manner. 

On XX/XX/year>, I formally disputed erroneous and inaccurate accounts listed on my TransUnion credit report. These disputes were submitted directly through TransUnions online dispute portal ( and via certified mail ). According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), a consumer reporting agency must investigate disputes and remove or correct any inaccuracies within 30 days.

It has now been over 30 days since I initiated these disputes, and TransUnion has failed to remove or correct the inaccurate items, nor have they provided any legitimate verification or update regarding their investigation. This lack of action constitutes a clear violation of the FCRA and is unacceptable.

I am demanding that the CFPB take immediate action to investigate TransUnion for its noncompliance with federal law. Their inaction not only infringes on my consumer rights, but now exposes them to monetary liability for damages caused by their negligent and willful disregard of their legal responsibilities.

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 2025-05-13 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: 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have previously disputed a Bankruptcy XXXX XXXX discharge with you, and in response, you verified the item as accurate, stating that you had verified the information with the court. I reached out to the court, and their response is enclosed. They do not report to you or any Credit Bureau ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-13 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: MN

Complaint narrative:
I am disputing the continued inaccurate reporting of my account with XXXX XXXX XXXX This account was charged off and closed with a {$0.00} balance as of early XXXX. Despite this, the account continues to report as charged-off and seriously delinquent across all three credit bureaus. There are clear reporting errors that have not been corrected : The balance is {$0.00} but charge-off and late payment statuses still appear. 

TransUnion lists the account as purchased by another lender but also reports it as charged-off, which is contradictory. 

Experian and Equifax continue to report a charge-off and late payments even after the balance was cleared. 

The Date of Last Activity is not consistent between TransUnion ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ). 

Equifax adds " CHARGED OFF ACCOUNT '' even though no balance is owed. 

I previously disputed these issues, but no corrections were made. This account should not continue to harm my credit since the balance is resolved and the account is closed. I am requesting full deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX calls my and my wife 's phone at least twice daily and leaves recorded messages. I finally took one of the calls and was told I owe interest on a credit card from 2009. I explained I did not owe this and all debts from 2009 were paid in full. They did not listent to what I was saying and told me there is going to be a judgement against me if I do not pay. I asked to send valid proof of the debt but the person just kept talking over me and would not listen. I told them to stop calling me and hung up. This has been going on for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-13 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
On the week of XX/XX/XXXX I logged into the Indigo/Concoura app to check my balance. Upon doing this all my account information was changed and it said I needed to activate my card although XXXX been using it for months. 
I updated my information and continued using my card with no problem. 
I called on about XX/XX/XXXX to have my wife added as an authorized user and was told they do not do this. I also explained about the activation notice and info change at that time and was assured everything was fine. 
I had a payment decline this weekend ( XX/XX/XXXX or XXXX I dont remember exact day ) I logged onto the app and saw the activation request had returned. I clicked the Activate link and was greeted with a XXXX message and was able to view my account was still valid and correct. 
I updated the card information on the website that it was declined on and was able to finalize the payment. 
Today, XX/XX/XXXX, I opened the app to check when my payment was due. Upon signing in I was met with a message that my account was unavailable and to call customer service. When I called I verified all my info and was then told that my account was locked. I asked why I was never notified of my account being locked and was not given any answer. I asked to unlock my account as I needed to make a purchase this evening. I was told they can only unlock the account if I faxed my drivers license to them. Even though they were willing to share all my account information through verifying my ID over the phone. I asked if I could email my license to them as I dont have access to a fax machine. I was told they can not receive in any other method than fax and then it would take XXXX days to unlock the account. 
I asked to be escalated to a supervisor and then to be escalated to a XXXX supervisor. The XXXX based representative offered no further information and was unwilling to assist. I asked to close the account and that they send me a bill every month for the balance as I can not log in to my account anymore. They stated they will mail me a co formation letter that the account is closed and that is it. 
After reading reviews, it know seems to me that this company is operating in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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