vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding a billing and collection issue involving XXXX XXXX and XXXX third -party collection agencies- XXXXXXXX XXXX XXXXXXXX and Diversified Adjustment Service. On or around XXXX, XXXX, I received a statement from XXXX XXXX of a billing period of XX/XX/XXXX to XX/XX/XXXX, with a balance due of {$180.00} Subsequently, on XX/XX/XXXX, I received a statement from XXXX XXXX XXXX ( XXXX ) regarding the same XXXX account. The statement included XXXX payment options : 1 ) A one-time payment of {$130.00} to resolve the account in full for less than the total balance. 2 ) Payment arrangement options 3 ). Payment plan for service reconnection This offer was stated to be valid for 30 days. I selected Option XXXX and paid {$130.00} in full to XXXX. I have a confirmation number for this transaction : XXXX. Despite resolving the account through XXXX, I later received a communication from another collection agency, Diversified Adjustment Service, regarding the same XXXX bill. Around this time, I was notified by all three credit reporting agencies that a collection item from XXXX XXXX for {$180.00} had been placed on my credit reports. This action is both alarming and unacceptable for the following reasons : XXXX ) I have already paid the agreed settlement amount of {$130.00} to XXXX within the timeframe outlined in their letter. XXXX ). I have not had XXXX XXXX XXXX since XXXX, and the bill period in question ( XXXX XXXX XXXX  XXXX ) falls after my service had been disconnected. XXXX ). XXXX XXXX has refused to discuss this issued with me and directed me to Diversified Adjustment Service. 4 ). When I contacted Diversified and sent them supporting documentation ( including proof of payment ), they claimed to have not received the email that was sent to dasi.net. 5 ). I requested from Diversified to speak with XXXX and was denied the request and was told they did not have a telephone number to provide to me. This sequence of events reflects poor communication between XXXX XXXX and its third-party agencies and has resulted in unjust damage to my credit profile. I am requesting that : XXXX ). This account be removed from all three credit bureaus immediately. XXXX ) XXXX and if affiliated collectors cease further collection efforts on this already-resolved account. 3 ). A formal investigation be conducted into how a paid account was sent to multiple agencies and reported inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian app today XX/XX/year> received a notification I had a court case but does not show any information whatsoever and they will not even talk to me about it it is a dead end trying to find out what this is from Experian it is completely horrendous. The date says that the court case is on a XX/XX/XXXX of this year. 
Like I said I tried to contact Experian they would not even speak to me about it.

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 2025-08-11 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: NY

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX sent my refund back cash app is given no information where money is or how to obtain getting money that was sent XX/XX/XXXX th and again XX/XX/XXXX and cash app still claims they dont have it but was sent twice and never given to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-11 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: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER CARD is inaccurately reporting a charge-off on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). I disputed the account and requested verification ; they failed to provide full, verifiable documentation within the required timeframe.

Under federal law, unverifiable or incomplete information must be deleted. Additionally, I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, were violated through improper communications related to this account. 



I am requesting that the CFPB require immediate deletion of this charge-off from my credit report and confirmation that no further reporting or collection will occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to formally dispute and report the unauthorized opening of a bank account under my name with your institution. I did not apply for or authorize the opening of this account, and I believe it may be the result of identity theft or 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I identified several inaccurate and potentially unlawful entries on my Experian credit report. 

XXXX  XXXX XXXX ( Acct : XXXX ) : Reported as charged off with a {$2300.00} balance, despite being closed in XX/XX/XXXX. The reported delinquency dates do not match the closure date. 

XXXX XXXX  ( Acct : XXXX ) : Reported as charged off with a {$710.00} balance, which exceeds the {$500.00} credit limit and indicates a reporting error. 

XXXX XXXX XXXX ( Collection : XXXX ) : Collection account from XX/XX/XXXX has remained on file for over three years without validation from the original creditor, potentially violating reporting time limits. 

XXXX ( Acct : XXXX ) : I am only an authorized user and not financially liable, yet it is impacting my credit score.

I have disputed these accounts in writing under FCRA 611, 607 ( b ), and 602 ( a ), requesting deletion or correction unless the data can be verified with proper documentation. These inaccuracies are harming my credit standing and ability to obtain credit.

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 2025-08-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The company reported late payments on my account for specific months. According to my records, all payments were made on time during those periods. I disputed the inaccurate late payment reporting with the company and requested documentation to support their claim, including billing statements, payment receipts, and proof of due dates with actual payment posting dates. However, I have not received satisfactory evidence or corrections from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-11 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX -- - RE : Demand for Removal of Personal Data and Deletion of Negative Information To Whom It May Concern, I am formally demanding, under the authority of federal law, that your agency immediately remove all personal information and any negative or inaccurate items you are reporting about me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to : 15 U.S.C. 1681e ( b ) Maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

15 U.S.C. 1681i ( a ) Conduct a prompt reinvestigation of any disputed information and delete or correct items found to be inaccurate or unverifiable.

15 U.S.C. 1681c ( a ) Refrain from reporting obsolete information beyond the permissible time limits set by law.

I dispute the accuracy, completeness, and legitimacy of any and all negative entries on my credit file, and I demand that these be removed immediately. Further, I hereby revoke any and all authorization for you to collect, store, maintain, or disseminate my personal information under the provisions of 15 U.S.C. 1681b, as you no longer have my consent to furnish my data to third parties without permissible purpose.

You have 30 days from receipt of this notice to : 1. Delete all negative and inaccurate entries in my file.

2. Cease reporting my personal data to any entity without a verifiable permissible purpose as defined under the FCRA.

3. Provide me with a free updated copy of my credit file reflecting these deletions, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of all available legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

This is a formal notice under the FCRA, and you are hereby instructed to conduct the required investigation and act accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX -- - RE : Demand for Removal of Personal Data and Deletion of Negative Information To Whom It May Concern, I am formally demanding, under the authority of federal law, that your agency immediately remove all personal information and any negative or inaccurate items you are reporting about me. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to : 15 U.S.C. 1681e ( b ) Maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

15 U.S.C. 1681i ( a ) Conduct a prompt reinvestigation of any disputed information and delete or correct items found to be inaccurate or unverifiable.

15 U.S.C. 1681c ( a ) Refrain from reporting obsolete information beyond the permissible time limits set by law.

I dispute the accuracy, completeness, and legitimacy of any and all negative entries on my credit file, and I demand that these be removed immediately. Further, I hereby revoke any and all authorization for you to collect, store, maintain, or disseminate my personal information under the provisions of 15 U.S.C. 1681b, as you no longer have my consent to furnish my data to third parties without permissible purpose.

You have 30 days from receipt of this notice to : 1. Delete all negative and inaccurate entries in my file.

2. Cease reporting my personal data to any entity without a verifiable permissible purpose as defined under the FCRA.

3. Provide me with a free updated copy of my credit file reflecting these deletions, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as the pursuit of all available legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

This is a formal notice under the FCRA, and you are hereby instructed to conduct the required investigation and act accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation