vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear XXXX, XXXX this message finds you well! 

I'm writing to dispute the late payment of my Discover credit card. 

- Late payment amounts : {$340.00} - Date : XX/XX/XXXX I used to have a Discover credit card from XX/XX/XXXX to the end of XXXX. 

At the end of XXXX, I decided to go back to my hometown to visit my parents before going to work. To avoid credit card fraud, I CLOSED my Discover account and STOPPED the autopay. I'm pretty sure that I've paid all balance before I closed the account. 
I went to my country at the end of XXXX. Then XXXX started and I had no chance to go back to the US for XXXX  years. 
Last year, I made myself back to the US for business travel and noticed that I had LATE PAYMENTS of {$340.00} in my account. 

- This payment was made on Sep 2020, 10 months AFTER I left the US. I had no idea who made this transaction without my consent. 
- No notification, no email, no alerts were sent to me during that time. I had NO AWARE OF this payment at all. And Discover just let it pass the due date again and again. 
- As I stopped the autopay and closed my account, I was neither able to login my Discover account nor pay it. I'm willing to solve the problem, but no actions can I take. 

Now, there are numbers of late payment record and a charge off account record in my credit report. My credit score is significantly impacted by this issue. 
I tried to dispute to XXXX, but they just told me this record would remain unchanged without telling me any details ( such as who made this payment for what, why they think the information provided from Discover is accurate ) So I'm writing this to seek help from you. Could you please help me to remove late payments and charge off records from my credit history like this never happened? I have no idea why I'm experiencing this... 

Much appreciated in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT : {$2300.00} RENT RECOVERY SOLUTIONS OPENED XX/XX/XXXX AMOUNT : {$6400.00} Reported to the company that I was moving out. They never removed me off the list of tentants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am writing again to dispute a bankruptcy that's appearing on my Experian credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This dispute is also submitted with reference to the Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. lawsuit case number 8:25-cv-00024, which outlines systemic issues regarding Experians investigation practices. 

I previously submitted a dispute regarding this matter, and no adequate documentation was provided to verify its accuracy. This raises concerns about whether a reasonable investigation was conducted as referenced in the above-mentioned CFPB vs Experian case under 15 U.S.C. 1681i ( a ) of the FCRA.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am invoking my rights under the following statutes : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You must verify the item in dispute with the original furnisher of the data.

15 U.S.C. 1681e ( b ) You are obligated to maintain maximum possible accuracy in reporting. The continued reporting of this bankruptcy without direct verification from the originating court violates this requirement.

15 U.S.C. 1681i ( a ) ( 5 ) Any unverifiable or inaccurate data must be deleted from the consumers file.

Federal Trade Commission v. TRW , Inc. Civ . A. No. 3-91CV2661-H, and other relevant case law affirmed that third-party data aggregators such as PACER are not primary sources of information and do not satisfy verification obligations. 

Since you are unable to obtain direct confirmation from the original source, the bankruptcy court itself, and not via third-party sources such as XXXX or PACER, then you are required to delete the entry. The court does not report to Experian, therefore any continued reporting of this item constitutes willful noncompliance, which may subject you to damages under 15 U.S.C. 1681n.

Should you fail to comply fully with the above demands, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General as I am doing so right now. I am also prepared to pursue legal action with legal representation for violations of the FCRA, which allows for actual, statutory, and punitive damages. 

I look forward to your prompt response regarding this matter.

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 2025-05-22 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:
Equifax is reporting the XXXX collection account ending in XXXX dated XX/XX/year>, with a XXXX balance. This reporting raises concerns about the accuracy and completeness of the information. Given the significant impact of inaccurate reporting on my credit file, it is essential that Equifax investigate the validity of this account thoroughly. Considering recent Consumer Financial Protection Bureau findings on Equifax 's failure to conduct proper investigations, I am especially concerned about the accuracy of this listing. 

Inaccurate or incomplete information can severely harm my credit standing and financial opportunities. It is possible this account 's inaccurate reporting is related to a data breach or data handling error, which must be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by EasyPay, which you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw this account violated my right by reporting a debt prior to speaking to the customer in-person or by phone. 
Please validate this information with Duvera Billing Services LLC, dba EasyPay Finance. EasyPay informed me by mail on XXXX, this account EasyPay Finance is no longer furnishing data to the credit reporting agencies. A tradeline deletion that included XXXX account was submitted to the credit bureaus. If the tradeline is still showing on XXXX credit profile, we suggest XXXX contact the credit reporting agencies directly. 

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality and violated 15 USC 1681 under 15 USC 1681 before and after the contract was sold to them in 2021 according to the contract received XXXX, after it was already reported to the 3 credit bureaus without my knowledge, months and years prior to receiving the contract on XXXX 
- Duvera Billing Services , LLC, dba EasyPay Financing Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification, which was done by each credit agency without formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to formally dispute several inaccuracies being reported on my credit file. This letter serves as a request for a full investigation and removal of any inaccurate, unverifiable, or outdated information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I invoke the following provisions : 15 U.S.C. 1681e ( b ) Requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681s-2 ( a ) Mandating that information furnishers report accurate and complete information. 

XXXX XXXX Providing consumer protections in cases of identity theft and fraudulent account reporting. 
The following companies are reporting information I believe to be inaccurate, incomplete, or otherwise unverifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that each of these accounts be thoroughly investigated. Thanks 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 2025-05-21 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: RI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: RI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
Dear CFPB XXXX, I am submitting this formal complaint regarding ongoing violations of federal consumer protection laws by the Department of EdXXXX XXXX XXXX and credit reporting agencies Experian, XXXX XXXX XXXX XXXX  XXXX related to inaccurate, incomplete, and unverifiable reporting of a student loan account on my credit file. 

Loan Servicer/Creditor Name : Dept of EdXXXX XXXX Account Number : XXXX Appearing On Reports From : Experian, XXXX XXXX I have previously disputed this item directly with the credit bureaus. Despite this, the account remains on my credit reports without proper investigation, verification, or correction, which is a direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must reinvestigate disputes within 30 days.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes, correct inaccurate info, and report results to all credit bureaus.

15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c ( a ) Obsolete information ( e.g., defaults over XXXX XXXX XXXX ) must be excluded. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a debt is disputed, collectors must cease collection and provide verification before continuing.

15 U.S.C. 1692e ( 8 ) It is illegal for debt collectors to communicate credit information known to be false or disputed without noting it. Higher Education Act ( HEA ). If the loan is a federal student loan Federal loan servicers must provide accurate and complete reporting, and borrowers must receive all due process rights, including the right to dispute or appeal adverse actions. 
They inaccurately reported incorrect balance, status, dates, and ownership, and they also accessed my private information without my permission, and also improperly verified or not verified at all after I submitted a dispute. 
This inaccurate report caused me financial harm by lowering my credit score and limiting access to credit, housing, and employment.

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 2025-05-21 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: NJ

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint regarding ongoing violations of federal consumer protection laws by the Department of Ed/ XXXX XXXX and credit reporting agencies XXXX, Equifax XXXX and XXXX XXXX related to inaccurate, incomplete, and unverifiable reporting of a student loan account on my credit file. 

Loan Servicer/Creditor Name : Dept of Ed/ XXXX Account Number : XXXX Appearing On Reports From : XXXX, Equifax, XXXX I have XXXX disputed this item directly with the credit bureaus. Despite this, the account remains on my credit reports without proper investigation, verification, or correction, which is a direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must reinvestigate disputes within 30 days.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes, correct inaccurate info, and report results to all credit bureaus.

15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c ( a ) Obsolete information ( e.g., defaults over XXXX XXXX XXXX ) must be excluded. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a debt is disputed, collectors must cease collection and provide verification before continuing. 
15 U.S.C. 1692e ( 8 ) It is illegal for debt collectors to communicate credit information known to be false or disputed without noting it. Higher Education Act ( HEA ). If the loan is a federal student loan Federal loan servicers must provide accurate and complete reporting, and borrowers must receive all due process rights, including the right to dispute or appeal adverse actions. 
They inaccurately reported incorrect balance, status, dates, and ownership, and they also accessed my private information without my permission, and also improperly verified or not verified at all after I submitted a dispute. 
This inaccurate report caused me financial harm by lowering my credit score and limiting access to credit, housing, and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint regarding ongoing violations of federal consumer protection laws by the XXXX  XXXX XXXX XXXX XXXX and credit reporting agencies XXXX, XXXX  XXXX and TransUnion XXXX related to inaccurate, incomplete, and unverifiable reporting of a student loan account on my credit file. 

Loan Servicer/Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Appearing On Reports From : XXXX, XXXX, TransUnion I have previously disputed this item directly with the credit bureaus. Despite this, the account remains on my credit reports without proper investigation, verification, or correction, which is a direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must reinvestigate disputes within 30 days.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes, correct inaccurate info, and report results to all credit bureaus.

15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c ( a ) Obsolete information ( e.g., defaults over 7 years old ) must be excluded.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a debt is
disputed, collectors must cease collection and provide verification before continuing.

15 U.S.C. 1692e ( 8 ) It is illegal for debt collectors to communicate credit information known to be false or disputed without noting it. Higher Education Act ( HEA ). If the loan is a federal student loan Federal loan servicers must provide accurate and complete reporting, and borrowers must receive all due process rights, including the right to dispute or appeal adverse actions. 
They inaccurately reported incorrect balance, status, dates, and ownership, and they also accessed my private information without my permission, and also improperly verified or not verified at all after I submitted a dispute.

This inaccurate report caused me financial harm by lowering my credit score and limiting access to credit, housing, and employment.

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 2025-05-21 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: TN

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD BANK Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status not more than XXXX payments past due Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit XXXX XXXX  Monthly payment {$0.00} Past due amount- Was told will be removed

Company response to consumer: Closed with explanation