vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
XXXX hired a third-party debt collector, XXXX XXXX , to settle an account I owed. I completed a settlement payment of {$350.00} on XX/XX/XXXX via cashiers check from XXXX XXXX XXXX XXXX, which was accepted by XXXX XXXX as settlement in full. 

Despite this, XXXX continues to report that I owe a balance of {$250.00}. And has called me while at work asking when ill pay when I don't owe anything, This is false, inaccurate, and damaging to my credit. I have sent proof of payment to all three credit bureaus ( XXXX XXXX TransUnion ), disputed this account multiple times, and even contacted XXXX directly, but the inaccurate information remains. 

XXXX also mailed me a letter after settlement stating I am still financially responsible, despite the completed settlement. 

I am requesting that the CFPB intervene and require XXXX to : Delete the tradeline/account from all 3 credit bureaus. As well as i have let all 3 credit bureaus know and they have claimed each time that this information is accurate when it is not. 

XXXX also Acknowledged the account was settled in full through their third-party agency. I spoke to a supervisor by the name of " XXXX '' and a representative by the name of " XXXX XXXX '' which i spoke to on or around XX/XX/XXXX. XXXX also acknowledged that the error in the system was caused by a representative from XXXX  NEVER updated my account when the check was received and never updated this information to a " SETTLED ACCOUNT '' which i then asked since they have been reporting inaccurate information for the last 2 years if they could remove this from my credit report due to the false reporting and the damage caused and failure to properly update the credit bureaus. I am just an XXXX XXXX  trying to make my credit better to one day buy a home for my family and get on the financial structed plan i have dreamed to have, but can not accomplish that goal with information being reported inaccurately that was not updated.

I have attached proof of payment and all supporting documents.

This is a violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my credit standing and ability to access fair financial services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries were made on XX/XX/XXXX, XX/XX/XXXX by companies that I have not had any contact or initiated any credit applications with. I did not give my consent for these credit checks. As a result, my credit score has been negatively impacted. I am concerned these may be fraudulent or unauthorized actions taken without my knowledge or permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
Account XXXX # XXXX 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 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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Went through XXXX XXXX XXXX and then got a consolidated loan. I informed company that the debt was paid destitute this collection through XXXX  3 times and was denied 3 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a verified XXXX  of identity theft, confirmed by my official FTC Identity Theft Report ( # XXXX ). Despite sending TransUnion proper documentation ( FTC report, government-issued ID, proof of address ), they have continued to report fraudulent charge-offs, inquiries, addresses, and employers on my credit report. I also demanded a Method of Verification ( MOV ) under FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), which they failed to provide.These false items are severely damaging my credit and preventing me from accessing housing and financial stability. The following fraudulent accounts are still showing as charge-offs : TransUnion is violating multiple sections of the FCRA : XXXX : Failure to block fraudulent data after identity theft notification XXXX ( b ) : Failing to ensure maximum accuracy XXXX ( a ) : Inadequate reinvestigation XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : Refusal to provide Method of Verification XXXX & XXXX : Civil liability for noncompliance I demand the immediate removal of all fraudulent data and a full explanation of their verification process. If not resolved, I intend to seek legal damages under applicable federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
This establishment ran my credit 5 times and didnt give me a credit card or loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX There Was Three Unauthorized Inquiries From : ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( Capital One ) XX/XX/XXXX ( XXXX  XXXX ) XX/XX/XXXX These Accounts Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
My current checking account is through chime online banking. Ive had an account with this company since XXXX and this will be the first dispute problem I've ever had with them. On XX/XX/XXXX I authorized XXXX different ATM withdrawals XXXX amounts of {$300.00}, XXXX amount of {$20.00} and another of {$80.00}. All totaling {$1300.00}. All on the same day, at the same time, at the same location, and I have all XXXX of those ATM slips printed out from the ATM. I had a few other transaction that same day, and the next day. On XX/XX/XXXX I was checking my account and noticed XXXX ATM transactions the day after I authorized the XXXX transaction that I did. AGAIN totaling {$1300.00}. XXXX amount of {$300.00} and XXXX amount of {$100.00}. These were NOT authorized by me on XX/XX/XXXX. I had gone to the store location where the ATM was that I used for my transactions on the XXXX and asked if there were any ATM malfunctions or anything else going on with the machine and they said as far as they knew they didn't think there was. So I opened a dispute with chime and it got denied multiple times because there wasn't enough evidence. But Im not sure what else I could do for this situation because it was all online and digitally done. I only have the ATM slips from my transactions and there's not much else I can get for evidence! but now I am {$1300.00} in debt on that checking account that I never got back!!!! It looks like my ATM transaction were duplicated the day after and seems like it could be a glitch in the ATM or banking online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I want to close my buy now pay later account with affirmed. I want to close it immediately. I made the payment on my loan XX/XX/XXXX. My loan was paid off in full two months in advance of the due date. There have been absolutely no problems with my payments. There are no refunds due. There are no fraud problems with my account. I want to close my account now! It appears to be one of their fine print items they say they cant close my account until 30 days after the last payment. 
In general, consumers have the right to close accounts when they choose. Since there have been no issues with my account and no fraud, I failed to see why they want to close things at their convenience. I failed to see why I should be forced to keep my account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
According to FERA SECTION 605B IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. 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 2025-05-31 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: TX

Complaint narrative:
According to FERA SECTION 605B IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I started a money market account with Truist. Keep in mind Ive had a checking account for 10 years maybe more and keep XXXX to XXXX in there and I opened the money market account and changed my last name and they blocked my account the next day and then closed it. This started XX/XX/XXXX they closed it XX/XX/XXXX and I still havent received my money that was in my accounts

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 2025-06-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account Midland Credit Management # XXXX. 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 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 2025-05-31 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: UT

Complaint narrative:
A Permanent and Totally XXXX Veteran, XXXX XXXX, is a Victim of Identity Theft. 

A disputed, Incorrect and Duplicative Reporting of a Trade Line with " XXXX XXXX XXXX XXXX XXXX '' ( XXXX. hereafter ) is reporting a XXXX XXXX off. The account info shows the opening date : XX/XX/XXXX. Also, a last payment date of XX/XX/XXXX with a current amount of {$2000.00} charged off is showing as of : XX/XX/XXXX. 

Per the same Transunion Credit Report, the debt is assigned to XXXX XXXX XXXX is illegally attempting to collect for the Original Creditor " University XXXX XXXX XXXX XXXX ''. The date opened is XX/XX/XXXX for the amount of {$2600.00}. Both debts have been validated by representatives of the current XXXX XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX XXXX, XXXX University XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX as valid, Charged Off, Collection accounts on my Transunion Credit Report as of today : XX/XX/XXXX. 

The XXXX XXXX XXXX XXXX has written an article re the former University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : https : XXXX I Paid the University XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Cancellation in the case of my XXXX beginning on or about XX/XX/XXXX. The Debt should have cancelled due to my disability and subsequent involuntary unemployment.

No way should the same debt show TWO DEBTS TO TWO CREDITORS FOR THE SAME ONE DEBT. THE DEBT WAS OR SHOULD HAVE BEEN PAID BY DEBT PROTECTION through the University XXXX XXXX. 's XXXX XXXX paid with my regular monthly payments to the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: UT

Complaint narrative:
A Permanent and Totally XXXX Veteran, XXXX XXXX, is a Victim of Identity Theft. 

A disputed, Incorrect and Duplicative Reporting of a Trade Line with " XXXX XXXX XXXX XXXX XXXX '' ( XXXX. hereafter ) is reporting a XXXX XXXX off. The account info shows the opening date : XX/XX/XXXX. Also, a last payment date of XX/XX/XXXX with a current amount of {$2000.00} charged off is showing as of : XX/XX/XXXX. 

Per the same Transunion Credit Report, the debt is assigned to XXXX XXXX XXXX is illegally attempting to collect for the Original Creditor " University XXXX XXXX XXXX XXXX ''. The date opened is XX/XX/XXXX for the amount of {$2600.00}. Both debts have been validated by representatives of the current XXXX XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX XXXX, XXXX University XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX as valid, Charged Off, Collection accounts on my Transunion Credit Report as of today : XX/XX/XXXX. 

The XXXX XXXX XXXX XXXX has written an article re the former University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : https : XXXX I Paid the University XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Cancellation in the case of my XXXX beginning on or about XX/XX/XXXX. The Debt should have cancelled due to my disability and subsequent involuntary unemployment.

No way should the same debt show TWO DEBTS TO TWO CREDITORS FOR THE SAME ONE DEBT. THE DEBT WAS OR SHOULD HAVE BEEN PAID BY DEBT PROTECTION through the University XXXX XXXX. 's XXXX XXXX paid with my regular monthly payments to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX There Was Three Unauthorized Inquiries From : ( XXXX XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX  XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX These Accounts Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I received a letter from this company in XXXX. I sent a debt verification letter in XXXX, and in XXXX. I did not receive a response either time. I do not owe this company any monies. I have never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/2023 -- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information is wrong on my reports. I've tried to correct it, but they won't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a confirmed victim of identity theft, as documented by FTC Identity Theft Report # XXXX. Despite sending Equifax all required documentation ( FTC report, government-issued ID, and bankstatment ), they have continued to report fraudulent charge-offs, unauthorized inquiries, false employers, and incorrect addresses on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ). 

I formally demanded the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) for several verified accounts and inquiries. Equifax failed to provide it. These items were opened without my knowledge or consent and continue to damage my credit, reputation, and ability to secure housing or funding.

FCRA Violations : Equifax has violated several federal laws by failing to investigate or delete this information, including : 1681c2 : Duty to block fraudulent data within 4 business days 1681e ( b ) : Failure to maintain maximum possible accuracy 1681i ( a ) : Failure to reasonably reinvestigate disputed information 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide Method of Verification ( MOV ) 1681n & 1681o : Civil liability for willful and negligent noncompliance XXXX XXXX XXXX ( XXXX ) : Credit bureaus must conduct more than a cursory review during disputes XXXX v. Equifax ( XXXX ) : Failure to delete fraudulent charge-offs caused severe emotional and financial harm XXXX XXXX XXXX ( XXXX ) : XXXX can be held liable for ignoring identity theft notices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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