vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus And its coming back as updated and verified without a proper investigation. The company failed to send me any of the information i requested even with my other complaint they never sent verification of debt, the original contract bearing my signature, Nor the explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC
State: MI

Complaint narrative:
Got sick from XXXX XXXX and failing XXXX and my XXXX XXXX account went into collection. I called and tried to setup payment arrangement to pay the XXXX debt off with XXXX. They told me that Recovery One had took over the account and I need to make payment with them. Recovery One called my home harassing me like I was going to jail for not paying the XXXX debt. I told them since they called my home harassing day and night I was going to pay them a certain amount each month until debt is paid. I have sent Recovery One 2 money orders total XXXX. My debt is only XXXX which is remaining balance. Recovery One taking the money not applying to my account and still showing on my credit report XXXX is still owed to them that's not true. I have my money order receipts showing proof that Recovery One is being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MA

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 do not refute my complaint by stating that XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TN

Complaint narrative:
XX/XX/year> and XX/XX/year> I sent a letter to the credit bureaus Demanding that the inaccurate information be deleted from my credit report, and they never deleted it or updated the information. here I have attached a FTC report with the information that needs to be deleted, which is kick off lending and I think financial. 



XX/XX/year> * * RE : Formal Demand for Deletion of Inaccurate Account and Late Payment Reporting * * * * Account Name : * * [ XXXX XXXX ] Account Name : * * [ XXXX XXXX ] To Whom It XXXX Concern, This letter serves as a * * formal demand * * for the immediate * * removal of the above-referenced account and any associated late payments * * from my credit report. I have disputed this inaccurate information multiple times, and your responses have claimed that the account has been " verified. '' That response is both unacceptable and in violation of my rights under federal law. 

Let me be clear : - This account * * does not belong to me * *. 
- I have never opened, authorized, or acknowledged this account. 
- You have * * not provided any evidence * * of a contractual relationship between myself and this creditor. 

Under the * * Fair Credit Reporting Act ( FCRA ) Section 611 * *, you are * * required * * to conduct a reasonable reinvestigation of any disputed information and * * delete or correct any item that is inaccurate, incomplete, or can not be verified * *. 

To date, you have failed to comply with this obligation. 

Additionally, I am demanding the following under * * FCRA 611 ( a ) ( 7 ) * * : 1. A complete description of the method of verification used.

2. A copy of all documents you relied on during the reinvestigation including any documentation bearing my * * wet signature * *.

3. The name, address, and phone number of each furnisher contacted during your investigation. 

If you can not provide * * verified and signed documentation * * proving that this account is legally mine, you are * * legally required to delete the account * * and all associated late payments immediately. Failure to do so is a direct violation of my rights under the * * FCRA * * and could result in legal action. 

You are hereby notified that if this inaccurate information is not deleted from all three of my credit reports within * * 15 business days * *, I will escalate this matter by : - Filing a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * - Filing complaints with my * * State Attorney Generals Office and the FTC * * - Exploring * * legal action for willful noncompliance * * under * * FCRA 616 and 617 * *, where I may seek actual and punitive damages This letter is being sent via * * certified mail with return receipt * * to document your receipt. I expect written confirmation of the deletion within the timeframe specified above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
lvnv funding llc is trying showing up on my credit report when the account does not belong to me, they state that they need a identity theft report so i filed XXXX reference number XXXX and will attach as well as well as the document that show i had identity theft while on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: TN

Complaint narrative:
I bought a vanilla gift visa card from XXXX and when i tried to use it the card was locked. i then called customer support which after around 5 attempts to get through to a representative ( which they hung up on me without saying anything ) blocked my number and blocked my IP address from accessing the website. i now cant use the card and cant do anything about the XXXX $ stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THE CREDIT BREACH, AND MY INFORMATION BEING LEAKED TO THE DARK WEB. ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN OPENED IN MY NAME. THE ACCOUNTS LISTED ABOVE ARE FRAUDULENT AND SHOULD BE REMOVED ACCORDING TO THE FCRA.

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 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I reached out every couple of months, I have requested info as to why my account was closed. Was told I would be emailed a reason why and never was. On a separate occasion they just " didn't have that information. '' Its been a 2 year long dance trying to get info from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: FL

Complaint narrative:
Summary : This is a second formal complaint against ClearOne Advantage due to material misrepresentations, refusal to respond in full to prior CFPB complaint, and unauthorized account activity that continued even after ClearOne claimed I was terminated. This complaint supplements a previously closed CFPB complaint and reflects updated evidence as of XX/XX/XXXX. 
Background : I enrolled in ClearOnes debt settlement program in XX/XX/XXXX and paid over {$4200.00} into the program. My most urgent creditor, XXXX XXXX, filed a lawsuit against me on XX/XX/XXXX. I notified ClearOne immediately. Despite repeated emails and calls, they failed to act in time to prevent this legal action. 
Instead of responding to the litigation, ClearOne presented me with XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX PM and XX/XX/XXXX at XXXX, which I formally rejected in writing on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX, respectively. These rejections were clearly timestamped and sent to all relevant departments, including XXXX. 
On XX/XX/XXXX, I formally demanded arbitration and requested a refund of all program funds based on their failure to negotiate my most critical debt and the misleading nature of their performance metrics. 
Despite this, ClearOne uploaded new documents and updates to my profile in early XX/XX/XXXX falsely indicating that the XXXX account had a Settlement In Place or was Settled In Full. No communication confirming my acceptance of any settlement exists. I did not authorize this settlement. No offer was accepted by me. 
ClearOne also stated in their email that I was terminated from the program. Despite that, their online dashboard continues to be updated post-cancellation and misrepresents my account status. They never confirmed settlement by email or mail. They never responded to my prior email rejections or my rebuttal letters disputing the account handling.

Relief Sought : I am requesting a full refund of the funds held or withdrawn under false pretenses, a formal correction to my account records, and regulatory oversight into ClearOne Advantages deceptive practices. 
This complaint is filed in good faith and is supported by documented communications, email rejections, internal inconsistencies, and profile downloads and screenshots showing unauthorized status changes although they said I am terminated.

While I used the term terminate in prior correspondence, it was only in response to ClearOne Advantages implication that program termination was the only way to exit or request a refund. My usage of this term did not constitute agreement with any performance metrics, nor did it signal satisfaction or waiver of rights. 
My core position remains a formal dispute and refund demand due to misrepresentation, nonperformance, and unauthorized settlement activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Ive called chime multiple times explaining to them how someone sent there self money ( XXXX $ ) off my phone to there chime. Chime is not taking me serious not giving mf my refund when they should because I am telling the truth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
There was a vendor who stated there is suspicion of my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX. XXXX XXXX ( Account number : XXXX ) XXXX. XXXX  XXXX ( Account number : XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best regards, 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 non-monetary relief
Consumer complaint received 2025-06-08 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: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that appears on my credit report. I did not authorize PNC Consumer Lending to access or pull my credit, and I have no existing relationship, application, or account with this company. 

The inquiry was made on XX/XX/year> and it appears on my [ XXXX XXXX credit report XXXX I have contacted both the credit bureau and the company directly, and have been unsuccessful in getting the inquiry removed. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have authorized or that are connected to a legitimate application I submitted should appear on my report. Since I did not give permission, this inquiry should be removed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of this unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
Account NCA XXXX XXXXXXXX Im 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 XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX- 2025 going over my credit report I am still showing in accuracy reporting from XXXX XXXX XXXX XXXX Trans Union is still showing in accurate XXXX XXXX XXXX has sent over on XXXX XXXX-2025 payed and delete this off of my credit report but it is still showing on 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 2025-06-08 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I checked my report this month and noticed another fraudulent account that I missed the last time I checked my credit. I immediately filed a police report and contacted the bureaus via mail to remove the account and block it from damaging my profile according to the FCRA, but they have not responded to my request. I am now reaching out to the CFPB for their assistance with this matter in hopes that they will be held accountable to do their job. The fraudulent account that I have disputed is XXXX XXXX XXXX Account Number XXXX Opened XX/XX/year> and has a balance of {$380.00}. I have a right to have my profile accurate and since they have a account on my profile that is not legally mines then it is not accurate. I have included a copy of my ID for identification and a copy of the police report for the fraudulent account. Thanks XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MA

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 do not refute my complaint by stating that XXXX XXXX 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 2025-06-08 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: MA

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 do not refute my complaint by stating that XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-08 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:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. These remarks have been detrimental to my life and credit health.

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