vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease & Desist Demand for Validation of Alleged Debt Account : # XXXX Alleged Balance : {$210.00} Original Creditor : XXXX  To Whom It May Concern, This letter is being sent to you in response to your collection activity regarding the above-referenced account. Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
At this time, I am formally disputing this debt in its entirety and demanding full validation as required by law. 
Required Validation Documentation To comply, you must provide the following competent evidence : The original signed contract bearing my signature with XXXX establishing liability for the alleged {$210.00}. 
The complete chain of title showing legal transfer/assignment of the account from XXXX to Diversified Adjustment. 
The security agreement or contract between Diversified Adjustment and XXXX, granting you authority to collect and report this debt. 
A complete itemized accounting of how the balance of {$210.00} was calculated, including interest, fees, or charges. 
Proof of Diversified Adjustments license to collect debt in the State of Illinois. 
Anything less than the above is not proper validation and does not meet the requirements under FDCPA. 
Cease & Desist Demand Until the requested documents are provided, you are to cease and desist all collection activity, including but not limited to : Reporting this account to XXXX, XXXX, or XXXX, Contacting me by phone, mail, or electronically, Selling, transferring, or assigning this account to another entity. 
Notice of Violations & Legal Remedies If you continue to report, collect, or harass me regarding this unverifiable debt, it will be considered willful noncompliance under FDCPA 809 ( b ) and FCRA 623. This will leave me no choice but to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, Pursue civil litigation against Diversified Adjustment for damages, attorneys fees, and penalties under 15 U.S.C. 1681n and 1692k. 
You have 30 days from receipt of this notice to provide proper validation. If you can not, you must delete this account from all credit bureaus immediately and cease all collection efforts. 
This is my final notice before further action. Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Under the provisions of USC 1681g, these erroneous accounts must be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-22 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-08-22 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or inco
mplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-22 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: IL

Complaint narrative:
CFPB COMPLAINT LETTER I am submitting this complaint because my consumer credit file is being reported with serious inaccuracies, including wrong addresses and incorrect account reporting. These errors have caused me financial and emotional harm, including denial of credit opportunities, higher interest rates, and reputational damage. I am requesting immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
XXXX XXXX  XXXX Account Number : XXXX High Balance : {$1200.00} Date Opened : XX/XX/year> Late Payment Issue : This account is reporting late payments which are inaccurate and harmful to my credit standing. I have maintained my payment history responsibly, and the reporting of lateness is either erroneous or unverifiable. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers of information to provide accurate information to consumer reporting agencies. Additionally, Section 611 gives me the right to dispute and have inaccurate or unverified information corrected or deleted. Reporting late payments without proper investigation violates these provisions. 
Story : The wrongful reporting of late payments has severely lowered my credit score, leading to denials of credit and higher costs of borrowing. This error has impacted me financially and emotionally, creating unnecessary stress and damage to my financial future. Despite my efforts to maintain my obligations, I am being unfairly penalized for information that should not exist in my file. 
Overall, these errors reflect violations of my consumer rights under the Fair Credit Reporting Act and other applicable federal laws. I respectfully request that the Consumer Financial Protection Bureau take immediate action to ensure the inaccurate addresses are permanently deleted from my credit reports and that XXXX XXXX  XXXX corrects or removes the false late payment reporting. These inaccuracies are preventing me from accessing fair credit opportunities and are causing ongoing harm. 
I am demanding strict compliance with federal law, removal of all inaccurate information, and verification that corrective action has been taken by the credit reporting agencies and furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year>, my XXXX checking account was depleted of all my monies and sent to cash app, and then sent to some unknown person or a business, I don't know. As soon as I found out about this transaction I contacted my bank, consumer protection, and also cash app. Attached are supporting documents. My bank denied my claim as did cash app. In requesting proof of the denial of the transaction I did not approve of, from the Cash app, I was sent by the cash app the very transaction that I was disputing. as they're supporting evidence. When I asked for additional documentation to prove that this was a verifiable denial I received nothing, so I resubmitted my claim, with additional information to show that there was a transaction directly after the one that I did not know or approve of that was denied for lack of funding. If you please look into this situation and clarify for me why this was claim was denied and why I did not receive proof of my denial, I would really appreciate that. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-08-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX {$230.00}, XXXX XXXX {$15000.00}, XXXX {$1200.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( 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.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute U.S. Banks seizure of my unemployment insurance benefits that were deposited onto my ReliaCard account. These funds are exempt from offset or setoff under federal and state law, and U.S. Banks actions were unlawful.

Specifically : 1. My unemployment benefits were loaded onto my U.S. Bank ReliaCard account, which is intended solely for the distribution of unemployment insurance.

2. U.S. Bank removed these funds to satisfy a negative balance/charged-off debt allegedly owed to the bank.

3. I filed a dispute, and while I was given provisional credit, it was later reversed, leaving me without access to my unemployment funds.

Under 42 U.S.C. 407 and related provisions of the Social Security Act, unemployment benefits are exempt from garnishment, levy, or setoff except for very limited circumstances ( such as child support, federal tax debts, or benefit overpayments ). None of those apply to my case.

Therefore, U.S. Banks actions violated : Federal law protecting unemployment benefits from seizure ; The Electronic Funds Transfer Act ( Regulation E ), by failing to conduct a fair and reasonable investigation of my dispute ; and My rights as a consumer and beneficiary of state unemployment insurance programs.

I am requesting the following remedies immediately : The full return of all unemployment benefit funds wrongfully taken from my ReliaCard account.

A complete written explanation of U.S. Banks actions and investigation findings.

Confirmation that no future setoff, charge, or seizure will be taken against unemployment benefits deposited into this account.

If this issue is not resolved, I will pursue further remedies by escalating to the Consumer Financial Protection Bureau, my state Department of Labor, and seeking assistance from legal aid/consumer protection attorneys.

Please consider this my formal demand for compliance with federal law and the return of my protected unemployment benefits. 

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
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am contesting a late payment that has been inaccurately reported. Verified documentation confirms that the payment was made on time. This false reporting unfairly damages my credit profile and must be corrected without delay.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I called their customer service number to get information in regards to lying off statement balance in full so that I wouldnt be charged interest. The associate gave me the balance and I proceeded to make the payment. I paid more than the given balance. I verified my payment posted on the account and noticed I was charged interest. I called their customer service line and was told that even though I paid off my balance in full for the current month statement, I had a rollover balance from the previous month and since I didnt make two consecutive months of not having a statement balance, that was to still incur interest on the amount that I already paid off in full.

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 monetary relief
Consumer complaint received 2025-08-22 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: CA

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 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 2025-08-22 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief