vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, SC XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Diversified Adjustment Service Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Re : Formal Dispute of Alleged Debt | Account Number : XXXX Creditor : XXXX XXXX To Whom It May Concern, This letter is a formal dispute of the debt you allege I owe to XXXX XXXX, account number XXXX, as reported by your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand a full investigation and validation of this debt.

1. Verification Required 15 U.S.C. 1692g & 1681s-2 ( a ) ( 1 ) ( A ) : I request that you provide full validation of this alleged debt, including a copy of the original contract bearing my signature and a complete payment history. Reporting or attempting to collect inaccurate or unverified data violates 1681s-2 ( a ) ( 1 ) ( A ).

2. Accuracy of Information 15 U.S.C. 1681e ( b ) : Any data you furnish to credit reporting agencies must be accurate and complete. Failure to ensure accuracy before reporting or continuing to report unverifiable information is a direct violation of 1681e ( b ).

3. Unverifiable Accounts Must Be Removed 15 U.S.C. 1681s-2 ( b ) : If you are unable to verify the accuracy of this account, it must be removed from all credit reporting agencies immediately under 1681s-2 ( b ). Continued reporting of unverifiable data is illegal.

4. Denial of Credit 15 U.S.C. 1681m ( a ) : If this unverifiable or inaccurate account resulted in a denial of credit, and I was not provided an explanation or notice, this violates 1681m ( a ). I reserve my right to pursue action if this violation occurred.

5. Improper Late Fees 15 U.S.C. 1666b : If this account includes late fees due to delayed payment processing, I challenge such charges under 1666b, which limits how and when late fees may be applied.

6. Misleading Assignment of Debt 15 U.S.C. 1692j : If you are collecting on this account without proper authority or if the debt is time-barred, this may constitute deceptive practices under 1692j.

I hereby request that you cease all collection activities until this matter is resolved and that you communicate the results of your investigation in writing. If you fail to comply with these legal requirements, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

Please be advised that any continued attempt to collect a disputed or unverifiable debt will be considered willful noncompliance, and I will pursue all legal remedies available under federal law. 

Sincerely, 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 2025-08-02 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: TX

Complaint narrative:
I did open-air loan with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It shows up as charge off on my credit report. Report stated account was opened XX/XX/year>. I have been disputing it since with all XXXX buerus and still keep getting denied to remove this record from my file. I don't have proof that is not my account because creditor has not supplied the loan records to me. I have put freeze on my reports but It is affecting my credit score.

Dispute results state their investigation confirms accinount belongs to me but thay is incorrect

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 2025-08-02 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: TX

Complaint narrative:
I did open-air loan with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It shows up as charge off on my credit report. Report stated account was opened XX/XX/year>. I have been disputing it since with all XXXX buerus and still keep getting denied to remove this record from my file. I don't have proof that is not my account because creditor has not supplied the loan records to me. I have put freeze on my reports but It is affecting my credit score.

Dispute results state their investigation confirms accinount belongs to me but thay is incorrect

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 2025-08-02 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: TX

Complaint narrative:
I did open-air loan with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It shows up as charge off on my credit report. Report stated account was opened XX/XX/year>. I have been disputing it since with all 3 buerus and still keep getting denied to remove this record from my file. I don't have proof that is not my account because creditor has not supplied the loan records to me. I have put freeze on my reports but It is affecting my credit score. 

Dispute results state their investigation confirms accinount belongs to me but thay is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: CA

Complaint narrative:
When I paid back the school they never mentioned me I had another loan. They would say I paid it all in full and dont owe anything. I called them and asked why is edfiniancial in my credit report if i paid everything they just said that it will go in its own. I assumed since i paid it in full the emails were scam. When i saw my credit card drop i investigated right away and i paid it in full. My intention was never to not pay and it hurts because its not about money im in this senerio its because my school didnt guide me thru. I am trying to go back to school and my credit score is hurting my chance in getting a new car, my car is an essential tool i need to go to work and school. i wouldnt change it but its giving me alot of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-02 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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/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
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing to dispute fraudulent inquiries that have appeared on my credit report. I am a victim of identity theft, and this letter serves as my formal request for the removal of these unauthorized entries. My personal information is as follows : Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX, XXXX, Phone : XXXX, Email : XXXX. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and the report number is XXXX. The unauthorized inquiries I am disputing are : XXXX XXXX XXXX : An inquiry dated XX/XX/2025, and XXXX  : An inquiry dated XX/XX/2025. I confirm that I did not apply for any credit or services with XXXX XXXX XXXX or XXXX  on or around these dates, nor did I provide authorization for any entity to access my credit report for these purposes. These inquiries are a clear indication of fraudulent activity and are part of a broader pattern of identity theft that I am actively addressing. I request that you promptly investigate these fraudulent inquiries and remove them from my credit report. I have attached a copy of my FTC Identity Theft Report for your reference and verification. What would be a fair resolution to this issue? Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX Attachments : - FTC Identity Theft Report No. XXXX - ID - SSN - PROOF OF ADDRESS - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: NY

Complaint narrative:
I already reported the fraudulent charges and filed a dispute on XX/XX/year>, about 4 months ago. 

On my XXXX statement there was a charge for {$100.00}. I reported this charge to First Latitude First Progress on XX/XX/year>. They indicated that they were going to investigate it and prompted me not to pay and give them time. I follow up on XX/XX/year> and nothing had been resolved. The individual that I spoke with said they were working on it, and to give them time. They issued a new card that I have not used. As of today, the charges have not been removed, and late fees are being added monthly. This is affecting my credit. 

I have a few Statements showing the fraudulent charges and ongoing late fees. 


Upload proof of communication if you have it ( emails, statements, screenshots ). 


Request that the CFPB force the issuer to stop charging late fees and remove the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN SEVERAL FRAUDULENS ACCOUNTS IN MY NAME. FROM A BANKRUTCPY TO CREDIT CARDS AND LOANS IN MY NAME.

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 2025-08-02 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: GA

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN SEVERAL FRAUDULENS ACCOUNTS IN MY NAME. FROM A BANKRUTCPY TO CREDIT CARDS AND LOANS IN MY NAME.

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 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute and request the removal of the student loan account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act.

Pursuant to 15 U.S. Code 6801, financial institutions are required to protect the confidentiality and integrity of consumers nonpublic personal information. Additionally, under 15 U.S. Code 6802, institutions may not disclose such information to any non-affiliated third party without providing proper notice and obtaining consumer consent. 

I have not received lawful notice or given any permissible consent for my nonpublic personal information to be shared, reported, or furnished in connection with the referenced student loan ( s ). Therefore, the inclusion of this account on my credit report appears to be a violation of my rights under the above statutes. 

In accordance with the Fair Credit Reporting Act, I am requesting the immediate deletion of this student loan account from my credit report. Please provide written confirmation that this account has been removed or corrected, as well as documentation showing authorization and legal basis for reporting the account if you choose not to remove it. 

This letter serves as formal notice that I reserve all rights under state and federal law, and I expect a timely and thorough response within the 30 days required by the FCRA.

Company response to consumer: Closed with explanation