vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Glory LLC
State: FL

Complaint narrative:
Subject : Complaint Against Credit Glory LLC Fraudulent Charges and Misrepresentation Dear CFPB Team, I am filing a formal complaint against Credit Glory LLC due to their deceptive practices, failure to deliver promised services, and unauthorized charges. 

On XX/XX/year>2024, I was seeking to resolve an issue with a negative account on my credit report. I knew that I needed to contact XXXX XXXX, the collection agency handling my account. To find their contact information, I searched online and called what I believed to be XXXX XXXX. 

However, I unknowingly reached Credit Glory LLC, who falsely claimed that they worked directly with XXXX XXXX and could handle my case. They assured me that they would remove the negative account from my credit report within one month. I trusted them and proceeded with their service. 

More than a month have passed, and the negative account is still on my credit report. Additionally, Credit Glory LLC has continued to charge me {$100.00} per month without my consent, even though they failed to provide the service they promised. 

I now realize that I was misled and that this company intentionally deceived me to gain my business. Despite multiple attempts to resolve this issue, they have not taken any meaningful action.

Resolution Requested : I am requesting : 1. A full refund of all charges made by Credit Glory LLC, as they have not provided the promised service.

2. Immediate cancellation of any further charges to prevent additional financial loss.

3. Investigation into Credit Glory LLC for misleading consumers and engaging in fraudulent business practices. 



I trusted this company based on their false claim of working with XXXX XXXX, and I feel I was deliberately scammed. I appreciate CFPBs help in addressing this matter and ensuring that other consumers do not fall victim to similar deception. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ACCT # XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
Submitted dispute via TransUnion ( XXXX XXXX ). On XX/XX/year>, dispute # XXXX. 
Attempted to dispute issue before, but was always denied. I requested that the lender or debt collector produce the identity verification that was used to issue the loan. I did not open the loan and when you investigate If the lender actually provides the same identity verification used to acquire the loan. You will clearly see that I am not the one who is doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report. 

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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report. 

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 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 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 XXXXXX/XX/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 2025-02-05 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: KS

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS 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 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 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This has already been paid or settled. This need to be corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-05 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: TX

Complaint narrative:
Heres a formal dispute letter you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian, Equifax, and TransUnions failure to properly investigate your dispute with XXXX XXXX 

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute Regarding Credit Bureaus Failure to Investigate Fraudulent Account To Whom It May Concern, I am submitting this formal complaint regarding Experian, Equifax, and TransUnions failure to conduct a reasonable and thorough investigation into a fraudulent account reported by XXXX XXXX  on my credit report. 

I previously disputed this account with all three credit bureaus, providing detailed information and evidence that the reported debt is fraudulent. However, instead of conducting a proper investigation, the bureaus have continued to allow XXXX XXXX to report inaccurate and damaging information. 

Details of the Dispute : Creditor Name : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Date of First Dispute : XX/XX/2024 Nature of Dispute : Fraudulent charge-off for a vehicle that was never repossessed, rebuilt, or resold with my consent. 
Supporting Evidence Provided : [ List documents you submitted, such as police reports, correspondence with XXXX XXXX, proof of fraud, etc. ] Despite my formal disputes, the credit bureaus have failed to verify the legitimacy of the debt and continue to allow XXXX XXXX to report this account as accurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), which requires credit bureaus to conduct a reasonable investigation when a consumer disputes information on their credit report. 

Additionally, this account is the subject of ongoing litigation due to fraudulent activity, further demonstrating the necessity of removing this inaccurate reporting until the legal matter is resolved. 

Requested Resolution : I demand that Experian, Equifax, and TransUnion immediately remove this fraudulent account from my credit report.

I request written confirmation of the investigation results and an explanation of the evidence they relied upon to verify this debt. 
If the credit bureaus continue to allow this inaccurate reporting, I will consider legal action under the FCRA and pursue damages for willful noncompliance. 

This matter has severely impacted my credit and financial well-being. If no corrective action is taken, I will escalate my complaint with the Federal Trade Commission ( FTC ) and consider filing a lawsuit against all responsible parties. 

Please respond to this complaint in writing within the 30-day period required by law. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violatoons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: CA

Complaint narrative:
This has already been paid or settled. This need to be corrected ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CL Holdings LLC
State: FL

Complaint narrative:
I just got ahold of my credit report and noticed fraudulent report thats affecting my credit badly please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-02-05 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: TN

Complaint narrative:
Upon reviewing my credit report I noticed inaccuracies. This letter serves as a formal dispute and request for a procedural investigation into this inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in question bears the number XXXX and I have identified inaccuracies that require immediate review and correction. The company being address in this letter is XXXX XXXX. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
Upon reviewing my credit report I noticed inaccuracies. This letter serves as a formal dispute and request for a procedural investigation into this inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in question bears the number XXXX and I have identified inaccuracies that require immediate review and correction. The company being address in this letter is XXXX XXXX. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
Upon reviewing my credit report I noticed inaccuracies. This letter serves as a formal dispute and request for a procedural investigation into this inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in question bears the number XXXX and I have identified inaccuracies that require immediate review and correction. The company being address in this letter is XXXX XXXX. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Every other day since XXXX XXXX theyve been contacting me through email and text messages after Ive selected not to be contacted through messages. They constantly try different tactics to collect a debt. They are a third party company called LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the {$790.00} charge that is being reported on my credit report under your companys name. I have contacted XXXX customer service multiple times regarding this matter, and each time, your representatives were unable to locate any record of my account in your system or provide a valid resolution. 
As per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), I am requesting that XXXX provide me with debt validation for the amount of {$790.00}. This includes proof of the debts validity and documentation showing that I owe the amount being reported. Additionally, if XXXX can not provide such documentation, I request that this account be immediately removed from 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 explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
Upon reviewing my credit report, I noticed inaccuracies that requires an immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation .The company this letter is addressing is XXXX XXXX XXXX the account number 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 non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
Upon reviewing my credit report, I noticed inaccuracies that requires an immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation .The company this letter is addressing is XXXX XXXX XXXX the account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
Upon reviewing my credit report, I noticed inaccuracies that requires an immediate review and correction as is my right under FCRA 15 USC 1681 ( i ). This letter is a formal dispute and request for a procedural investigation .The company this letter is addressing is XXXX XXXX XXXX the account number 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 2025-02-05 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal 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