vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CO

Complaint narrative:
I enrolled in a debt settlement program with ClearOne Advantage, where payments were supposed to be processed through XXXX XXXX and sent to my creditors. However, the program has been mismanaged and very poorly communicated. 

Payments to my creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/year>, but I did not receive any notification until late XXXX or early XXXX. 

I later learned from a XXXX XXXX representative that ClearOne had failed to submit the required paperwork for my payments to continue.

ClearOne had a dedicated savings account in my name specifically to pay my debts, and the amount in that account exceeded the amount owed to XXXX & XXXX Properties. Despite this, ClearOne failed to make the payment. 

Despite me completing the required autopay forms ( including resubmitting them after speaking with a ClearOne representative ), I continued to see messages that my payments had not been processed. 

I then received a notice that I was being removed from the program for nonpayment, even though I had been making payments. Shortly after, XXXX & XXXX claimed I still owed them over {$2000.00}, which contradicts the original program agreement. 

At the time, there was also a balance of approximately {$2900.00} being held in my account with ClearOne/XXXX  XXXX XXXX while my outstanding balance with the creditor was only {$1200.00}. 

Looking back at past receipts from XXXX and XXXX, they state that a closure request was received. I want to reiterate that I never requested this account to be closed. I had been actively trying to get payments restarted, but no one from ClearOne was calling me back or emailing me back. At some point, I assumedafter speaking with a XXXX XXXX representative in XXXX or XXXX XXXX they would continue making payments out of the savings account. Since the savings exceeded what I owed, I believed they would simply deplete that account until the debt was fully paid. Instead, they failed to do so. 

I have repeatedly tried contacting ClearOne Advantage to resolve this issue. My phone calls go unanswered and emails either receive no response or generic replies. This lack of communication and mismanagement has left me confused about my actual balance, at risk of default with my creditor, and under significant stress. 

The funds to pay this debt were available in my dedicated ClearOne savings account, but ClearOne failed to apply them. I am requesting a clear explanation of my account, proper documentation of the original agreement, and immediate resolution of the conflicting balances.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
In XX/XX/year> I applied for a Huntington business checking account to earn a {$400.00} bonus. Huntington acknowledged my application on XX/XX/XXXX but did not issue an account number until XX/XX/XXXX. On XX/XX/XXXX I deposited {$5200.00} within 60 days of that true opening date. Huntington denied the bonus by backdating the open date to XX/XX/XXXX. 

On XX/XX/year> I opened a personal account with a {$650.00} ACH and scheduled Treasury deposits for the following week for a {$400.00} bonus. On XX/XX/XXXX I filed a complaint about the denied business bonus. Soon after, Huntington placed both accounts on hold and began closure. 

On XX/XX/XXXX, while locked out, Huntington charged a {$20.00} fee, dropping my balance from {$580.00} to {$560.00} despite waivers being applied in XXXX and XXXX. On XX/XX/XXXX, the day after my certified letters arrived, Huntington called to confirm both accounts would be closed and no bonuses paid. No information has been provided in writing or over the phone even though I have been locked out of my personal account and can not transfer money from my business account. 

This conduct is retaliatory, unfair, and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
( XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Need information on hardship interest rate reduction because the 0 % intro loan period is expiring and I can't make the increased payment.

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 2025-09-18 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:
Subject : Experians Failure to Conduct a Reasonable Reinvestigation XXXX XXXX XXXX XXXX XXXX XXXX Details : I disputed the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  charge-off accounts with Experian. Experian misclassified my disputes as identity theft despite me never claiming fraud. They demanded identity theft reports instead of conducting a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, XXXX XXXX was served with a cease-and-desist + dispute letter under FDCPA 15 U.S.C. 1692c ( c ) and FCRA 611. Despite this, XXXX XXXX continues to furnish derogatory information to Experian. This conduct violates : FDCPA 1692c ( c ) : Failure to honor cease-and-desist. 

FCRA 611 ( a ) ( 1 ) & ( 2 ) : Failure to reinvestigate and forward dispute information.

FCRA 611 ( a ) ( 7 ) : Failure to provide a Method of Verification.

15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate once notified by Experian. 

XXXX XXXX / e-OSCAR : Accounts must be coded XXXX during disputes, which did not occur. 


Evidence : Experian stall letters demanding identity theft reports ( attached ). 

My notarized affidavit and ID documents ( attached ). 

XXXX XXXX continued reporting despite being sent a cease-and-desist letter. A copy of the letter can be reproduced if required.

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 2025-09-18 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: LA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}

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 2025-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
When attempting to make my mortgage payment via app. to UWM in XX/XX/year> it stated our payment was about {$500.00} more than our contract states it is. I was unable to adjust the amount of the payment to the correct amount via app. so I contacted the mortgage company. 
Called in to the mortgage company and they stated that they are having issues with any one that has a XXXX buy down loan because of a " glitch in their system '' and to try again the following week and they could not take our correct payment until the glitch is fixed. 
Called back the next week and they stated again, that they can not and will not accept any payment due to this " glitch '' and to try again at a later time. 
We are now XXXX  days past our payment due date and they are sending letters wanting us to call in to resolve the payment matter and if it is not resolved by XXXX we could lose our home. When we call again, They assured us that those letters are automated and not to worry but they still could not help us in taking our payment ( XXXX ) for the month of XXXX and XXXX due to this glitch. They stated they have notes in their system with each time we've attempted to contact them and to not worry about foreclosure as it is not our fault in the matter. Again, they insisted we contact them every week to see if the matter has been resolved. 
Going on XXXX  months now and we have seen XXXX improvements and a constant refusal to take our payments whether it is the correct contract amount or the glitch issued amount at {$500.00} more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MI

Complaint narrative:
Hello, In XXXX of XXXX i contacted XXXX, XXXX  via phone to request validation of debit which they have failed to provide, is where i found debt was related to XXXX XXXX XXXX. I explained that company failed to provide services thats i had already paid for and had went XXXX, as of XX/XX/XXXX all practice operations were no longer available with no way of reaching them leaving myself and many people with XXXX XXXX issues. 
Not until XXXX XX/XX/XXXX i was emailed a official notice of discontinuation of treatment. 
In conclusion, debt has not been validated by collections agency, XXXX XXXX XXXX XXXX kept taking payments for XXXX XXXX XXXX  although services were not rendered. 
i am unaware of the amount allegedly owned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-18 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: MS

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a personal checking account with Bank of America in XXXX XXXX, XXXX XXXX, during my first week after arriving in the XXXX in XX/XX/year>. The account has been open for only about one month. At onboarding I provided all required identification, proof of lawful entry, student status, and local residence. 
The account has only been used for legitimate purposes : deposits of personal funds and transfers between my own accounts, primarily to my XXXX XXXX XXXX account which is linked to XXXX XXXX. The only other activity has been XXXX transfers, all to myself. There has been no unusual or risky activity. I am fully aware of XXXX and XXXX requirements and have conducted only modest student-level transactions : no wires, no large cash deposits, no XXXX, no checks from unknown parties, and no high-risk merchants. 
Without prior warning, I was informed my account was under process for closure. When I visited the XXXX XXXX branch, staff confirmed they could not determine the reason. They only stated that the account agreement allows closure at will. No explanation or compliance concern has been communicated to me. 
As a new customer in good standing, I find this arbitrary and damaging. I am a full-time student and young professional establishing myself in XXXX XXXX XXXX with every intention of building a long-term and transparent financial relationship. Abrupt closure threatens my ability to pay rent, receive tuition refunds, and build credit history, despite my willingness to provide any additional documentation requested.

I respectfully request that Bank of America provide a clear written explanation of the closure and reconsider maintaining my account relationship. At minimum, I ask for confirmation that no adverse information will be reported to XXXX XXXX XXXX XXXX, or other consumer banking databases beyond the factual account status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am submitting this dispute regarding multiple accounts on my credit report that contain inaccurate, incomplete, or misleading information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be DELETED FROM MY CREDIT REPORT. 

The accounts in question are as follows : Creditor Account # ( last 4 digits ) Reported Status Claimed Balance Discrepancy / Inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged Off {$5700.00} Balance {$5700.00}, XXXX XXXX {$5200.00}, Highest Balance {$8900.00} Payment history shows inconsistent late days ( e.g., XX/XX/year> CO, XXXX, XX/XX/XXXX, etc. ) and multiple status updates that do not align with accurate reporting standards. 
XXXX XXXX XXXX Charged Off {$2300.00} Balance {$2300.00}, Credit Limit {$1700.00}, Highest Balance {$2300.00} Payment history is inconsistent ; reported past due and CO statuses are unclear and potentially inaccurate. 
XXXXXXXX XXXX XXXXXXXX Charged Off {$2800.00} Balance {$0.00}, Credit Limit {$2500.00}, Highest Balance {$2800.00} Reported balances and payment history conflicts with prior account statements and do not reflect accurate reporting. 
XXXX XXXX XXXX Charged Off {$7300.00} Balance {$7300.00}, Credit Limit {$6000.00}, Highest Balance {$7300.00} Multiple inconsistencies in CO reporting and date of past due amounts. 
XXXX XXXX XXXX ( two accounts ) Charged Off {$4500.00} and {$12000.00} Balances {$4500.00} / {$12000.00}, Credit Limits {$3600.00} / N/A Payment histories are inconsistent and inaccurately reported ; balances and status updates are conflicting. 
XXXX XXXX XXXX Charged Off {$880.00} Balance {$840.00}, Credit Limit {$6000.00}, Highest Balance {$3600.00} Reported balance and past due amounts do not align with original account records.

Reasons for Dispute : Inaccurate balances : Many accounts show balances that differ from verified account statements, including discrepancies in the amount written off vs. reported balance. 

Incorrect account status reporting : Payment history entries such as CO, 30, 60, etc., appear inconsistently and do not reflect accurate delinquency timelines.

Duplicate or conflicting entries : Two accounts with XXXX have overlapping account numbers and inconsistent reporting. 

Potential misreporting of dates : Status updates and last reported dates do not align with my actual account history, violating FCRA requirements for accurate reporting. 

Requested Action : I request that the Consumer Financial Protection Bureau investigate these accounts with the respective creditors and credit reporting agencies. And demand that the accounts be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief