vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I signed up for XXXX XXXX XXXX in XX/XX/year>. The signal didnt work well in my home, so I canceled within the 14-day trial and returned the equipment using XXXX  prepaid shipping label. The return was confirmed delivered via tracking. 

Weeks later, I began receiving bills. XXXX first claimed they never received the return. After hours of phone calls ( over 4 hours across multiple agents ), I was toldmore than oncethat they had received the equipment, and my account showed a {$0.00} balance. I have two emails stating this clearly, and a recorded 2-hour call where the agent confirms that the balance is XXXX and the matter is fully resolved. 

Despite that, XXXX continued to bill meand now, nearly 10 months later, they sent the account to collections. This has negatively impacted my credit score. Ive done everything right : canceled within the trial, returned the device, confirmed it was received, and followed up consistently. I was told multiple times by different reps that I owe nothing and that the issue would be closed. 

Today, I spent another hour on the phone. The first rep again acknowledged XXXX error, promised it would be resolved, and said Id be transferred to someone who could send written confirmation and fix the credit damage. Instead, I was transferred to someone who told me I still owe the moneycompletely contradicting the last representative. 

This is unacceptable. XXXX internal breakdown is harming my credit, time, and peace of mind. I have to get a new car in the next 2 weeks, and my rates are horrible now because my credit score that usually fluctuates between XXXX is now in the low XXXX because of this false report. 

I filed with the FCC and XXXX called me within 24 hours. Within 45 seconds they told me she was the wrong department and the correct person would call me within 24 hours. I never got another call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AL

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 four 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese 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, 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXX XXXX has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX  that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-15 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: LA

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. 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 2025-08-15 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: LA

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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX  's failure to adequately safeguard consumer data.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against JPMorgan Chase Bank concerning my business checking account under the name XXXX XXXX. The associated debit card number is XXXX. 
Recently, I deposited a check into my Chase business checking account. This payment was made to me by my employer for services I rendered renovating his property. However, Chase has locked my account and is refusing to release my funds due to an inability to verify my employers phone number. 
I believe this is unfair and unreasonable, for the following reasons : My employer is not a Chase customer, so his phone number is not in their system, which should not be grounds to withhold my legitimately earned income. 
The funds were paid to me for completed work, and the check is valid. 
I have no prior issues with my account and have provided all necessary documentation to verify my identity and the legitimacy of the transaction. 
Chase has not provided a clear or reasonable explanation or timeline for when the issue will be resolved, and I am now unable to access the money I earned for my business operations. 
I am requesting the CFPB to investigate this matter and assist in getting Chase to release the funds, or at least provide a justifiable and lawful basis for withholding them. 
Please let me know if any further documentation or information is required. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am filing this complaint because several debt collectors are continuing to report and verify inaccurate or unvalidated accounts to the credit reporting agencies, even after I have disputed them multiple times. 
The accounts in question are : - Kikoff {$80.00} 90119 days late - XXXX XXXX XXXX {$14000.00} - XXXX XXXX XXXX XXXX {$3000.00} - XXXX XXXX XXXX XXXX {$910.00} - XXXX XXXX {$690.00} I have disputed these accounts with the credit reporting agencies under 15 U.S.C. 1681i ( FCRA ) and requested validation directly from the furnishers under 15 U.S.C. 1692g ( FDCPA ). Despite my requests, these companies have failed to provide full and complete validation, including original contracts, proof of ownership of the debt, and complete account histories. Instead, they continue to report and verify the accounts with the credit reporting agencies without proper investigation or documentation. This is a violation of both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that the CFPB take enforcement action to : XXXX. Require the companies to cease all collection activities until proper validation is provided. 
XXXX. Require the companies to remove or correct any inaccurate or unverifiable information they have reported. 
XXXX. Ensure these companies are held accountable for repeated and willful violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am filing this complaint because several debt collectors are continuing to report and verify inaccurate or unvalidated accounts to the credit reporting agencies, even after I have disputed them multiple times. 
The accounts in question are : - Kikoff {$80.00} 90119 days late - XXXX XXXX XXXX {$14000.00} - XXXX XXXX XXXX XXXX {$3000.00} - XXXX XXXX XXXX XXXX {$910.00} - XXXX XXXX {$690.00} I have disputed these accounts with the credit reporting agencies under 15 U.S.C. 1681i ( FCRA ) and requested validation directly from the furnishers under 15 U.S.C. 1692g ( FDCPA ). Despite my requests, these companies have failed to provide full and complete validation, including original contracts, proof of ownership of the debt, and complete account histories. Instead, they continue to report and verify the accounts with the credit reporting agencies without proper investigation or documentation. This is a violation of both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that the CFPB take enforcement action to : XXXX. Require the companies to cease all collection activities until proper validation is provided. 
XXXX. Require the companies to remove or correct any inaccurate or unverifiable information they have reported. 
XXXX. Ensure these companies are held accountable for repeated and willful violations of 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 explanation
Consumer complaint received 2025-08-15 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing a complaint regarding repeated late fees and negative credit reporting from Synchrony Bank for my Venmo Credit Card, caused by a persistent issue with Venmos online payment system every time I try to make a payment starting on or about XXXX XXXX. 

On multiple occasions, I have been charged late fees for late payments. However, when attempting to make a payment online, the system repeatedly instructs me to add a bank account. I have made several attempts to add my bank account through Venmos payment platform, XXXX. The account is valid and used for all my other credit card payments. While I complete all required steps, the system ultimately tells me the account can not be added because it is already in their system. Despite this, I am still unable to make payments, as the system continues to prompt me to add a bank account. 

I have contacted Venmo by phone several times and discussed the problem with representatives on 12 occasions. I was advised to keep attempting to add the account, but these efforts do not resolve the issue. Additionally, there appears to be no record of my previous calls, as follow-up calls indicate my prior discussions were not documented.


As a result of this technical issue, I have incurred multiple late fees that Venmo refuses to refund and have experienced negative credit reporting to the three major credit bureaus. My available credit has been reduced from {$10000.00} to {$1000.00} due to these late payments, which are entirely the result of the system glitch. The only payments I have been able to make were via transfers from another Venmo user directly to my Venmo account, since Venmo allows payments using a Venmo balance.

I have included screenshots and documentation illustrating these issues.

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 2025-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I mailed let to the credit bureaus asking for proof that this debt is mine back in XX/XX/year>. They did not provide proof. This account does not belong to be and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-15 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
This past year has been horrible for me lost my job in XXXX andwas out of work found a job in XXXX and did not work out was let go in XXXX. Tried working at local casino for {$19.00} an hour and was only there three weeks before the decided to let me go and at that time my unemployment benefits had run out. So I had no income coming in. I did not reach out to mortgage company because the last time I did with a HUD counselor on the phone, she told me no one would help me very discouraging and why refer people to HUD counselor if you aren't going to help them. Luckily that time I was able to bring my mortgage current. I have tried to explain to them that I went from making {$33.00} an hour when purchase to {$21.00} then {$19.00} an hour so just barely enough to cover all my bills. 
I did call XX/XX/XXXX at XXXXXXXX  and left a message which was apparently not received or was left on wrong extension number asking them to take payment to bring account current as I at that time had someone who was going to help me. No longer are they now willing to help me. I did send a payment and will be sending another to bring account current and am wanting them to stop foreclosure process and work with me. i drove around park the other night and there are several in our park that are listed for sale with no movement for months upon months. Also lot rent has increase to {$800.00} a month so as you can image making so little it used to take two checks a month to pay just lot rent not including electric, gas and etc. I am now working making {$27.00} and can afford both now and am working on getting everything current. i just need them to give me until XX/XX/XXXX to bring everything current which would include the XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CO

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 2025-08-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit report shows inquiries from companies I do not recognize, tied to applications I did not make or authorize. These are fraudulent and unauthorized. I previously contacted Experian, and a representative assured me they would be deleted ; however, they still appear on my report. Their continued presence is causing unnecessary stress and further harm to my 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