vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
RESURGENT/LVNV FUNDING # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account immediately from my credit report or I will have to take legal action. No documentation or verification has been provided. Under the FCRA ( 15 U.S.C. 1681i ), unverifiable information must be removed. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE BANK - XXXX XXXX incorporation accounts are being closed for suspicious activity. been with XXXX for over XXXX  years, I'm not a crook. 
I operate a alcohols service bar and an amusement vending business. They are currency heavy businesses for which I deposit cash. They are legal and so am I, been operating small business since XXXX. 
XX/XX/XXXX letters closing 3 accounts and 4 credit cards- all in good standing they took my account to XXXX  and are sending me a check for my balance. 
Went to local branch, spoke with the branch XXXX and she call for explainantion and to plead my case. No explaination given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Amount of XXXX  XXXX : XXXX through XXXX XXXX. I have never received medical treatment from this facility. They keep harassing me and calling me after I told them to stop calling me an advice that this was not me. Ive never been in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kovo
State: PA

Complaint narrative:
I am submitting this complaint against KOVO, a credit-building service, for the UNAUTHORIZED CLOSURE of my account and their false claim that I initiated a dispute - a claim that I firmly deny. 
Kovo closed my account without my knowledge or consent. When I contacted them to understand why, I was told that it was due to a dispute I allegedly filed. I did not initiate any dispute, either directly with Kovo or with any credit reporting agency. Kovo has not provided any proof of such a dispute, nor have they given a clear explanation for their actions. 
As a direct result of this account closure, my credit score dropped by XXXX points, which has significantly impacted my financial standing. This is deeply concerning, especially considering I was actively using Kovo to build and maintain my credit in good faith. 
I attempted to resolve this issue directly with Kovo and requested the following : XXXX ) Proof of the alleged dispute XXXX ) An explanation for the account closure. 
XXXX ) Correction of any inaccurate information reported to the credit bureaus. 
XXXX ) Reinstatement of the account or another fair resolution. 

To date, I have not received a meaningful response or remedy. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Kovo to : -Provide documentation of the alleged dispute. 
-Correct any inaccurate or misleading credit reporting. 
-Take responsibility for the harm caused by the account closure -Reopen the account or provide fair compensation or resolution This situation has caused measurable damage to my credit, and I believe it involves deceptive or unfair practices under the federal consumer protection laws. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account listed below is being reported incorrectly and must be corrected or removed. 

This account is being reported as charged off while still showing a past-due balance. According to standard accounting principles and the Uniform Commercial Code ( UCC Article 9 ), a charge-off represents a creditors decision to write the debt off as a loss and close the account. Once charged off, it should not continue to be reported with an active, collectible balance. 

Reporting a charged-off account with an outstanding balance misleads creditors and third parties reviewing my report. This constitutes inaccurate and incomplete reporting under FCRA 1681i ( a ) and may also be considered a deceptive collection practice under the FDCPA, 15 U.S.C. 1692e, which prohibits false or misleading representations regarding a debt. 

I am requesting that this account be corrected to show a {$0.00} balance if it remains reported as charged off, or otherwise removed from my credit report entirely. Please conduct a reinvestigation of this item and provide me with written confirmation of your findings as required by FCRA 1681i ( a ) ( 5 ). 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The account listed below is being reported incorrectly and must be corrected or removed. 

This account is being reported as charged off while still showing a past-due balance. According to standard accounting principles and the Uniform Commercial Code ( UCC Article 9 ), a charge-off represents a creditors decision to write the debt off as a loss and close the account. Once charged off, it should not continue to be reported with an active, collectible balance. 

Reporting a charged-off account with an outstanding balance misleads creditors and third parties reviewing my report. This constitutes inaccurate and incomplete reporting under FCRA 1681i ( a ) and may also be considered a deceptive collection practice under the FDCPA, 15 U.S.C. 1692e, which prohibits false or misleading representations regarding a debt. 

I am requesting that this account be corrected to show a {$0.00} balance if it remains reported as charged off, or otherwise removed from my credit report entirely. Please conduct a reinvestigation of this item and provide me with written confirmation of your findings as required by FCRA 1681i ( a ) ( 5 ). 

Thank you for your prompt attention.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called and sent letters and told them that the accuracy and integrity of the data being reported on my credit file can not be fully guaranteed. Specifically, my credit report reflects charge-offs and late payments that I strongly dispute and that may be a direct result of compromised or mishandled information due to their failure to adequately secure consumer records.

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 2025-09-05 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

How Do You Dispute an naccurately. 
Repo # creditrepairservices

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 2025-09-05 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
due to identity theft this account is on my credit report it doesn't belong to me i filled police report lvnv funding XXXX balance XXXXXXXX XXXX open since XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$380.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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: FL

Complaint narrative:
I recently reviewed my consumer credit reports and noticed that XXXX late payments are being reported on my account, which is factually inaccurate. I have never been late on this account, yet it continues to reflect derogatory marks that are harming my credit standing. 

Account Information : Name : XXXX XXXX Account Number : Ending in XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Vehicle : XXXX XXXXXXXX XXXX Inaccuracy and Violation of Reporting Duties Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information have a legal responsibility to ensure that the information they report to Consumer Reporting Agencies is complete and accurate. Reporting late payments when no late payments ever occurred is a clear violation of this requirement.

Request for Investigation and Proof I respectfully request that you conduct a full investigation into these alleged late payments. Please provide documentation or account statements proving that the reported payments were, in fact, late. 

If you are unable to provide such proof, I demand that these inaccurate late payment notations be immediately corrected to on-time as they should have been reported from the beginning.

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 2025-09-05 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: NY

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Transunion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I was alerted by my bank ( Fifth Third Bank ) that a potential fraudulent charge for {$470.00} under merchant name XXXX XXXX was made on my credit card. This was not a purchase I made or approved of, so I had my bank open a case against the charge. On XX/XX/year>, my bank told me that the claim was denied due to the merchant verifying the purchase and the shipping address being listed as my home address. I again stated to my bank that I did not make or approve of this purchase and never received the items they claimed were ordered, and had my bank re-open my case. I immediately sent my bank an email with all of the information I had and my attestation that I did not make, approve of, or receive the purchase. I received no response to this email. On XX/XX/year>, my bank told me that my claim was denied a second time for the same reasonings as before. I immediately opened a case with XXXX XXXX XXXX, filed a police report with the XXXX Police Department, and insisted that Fifth Third again reinvestigate my claim. 
To summarize main points : - A charge for {$470.00} was fraudulently made on my credit card - I did not make or approve of this charge - I never received the items the merchant stated were ordered ( XXXX all XXXX XXXX XXXX )- The shipping address is listed as my home address, but that is public information - The IP address where the merchant stated the purchase was made is not my IP address - The email address the merchant associated with the purchase is not mine - There is no record with the shipping carrier or my apartment complex that the items were delivered - When you put in the tracking number provided by the merchant, it states " No information about your package. We've checked all relevant couriers for <United States of America>. '' - I have filed a police report with the XXXX Police Department- I have an open case with XXXX XXXX XXXX I will attach all relevant files.

Company response to consumer: Closed with monetary relief