vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I am filing this complaint against [ Creditor/Collection Agency Name ] for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. 
Violations committed : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information. 
XXXX. Fair Debt Collection Practices Act NL I want the CFPB to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
XXXX XXXXXXXX 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 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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NJ

Complaint narrative:
XX/XX/year> {$10.00} were taken from my account and not refunded, XX/XX/year> {$15.00} was taken out of my account, XXXX XXXX {$15.00} was taken out of my account, and XX/XX/year> {$10.00} was taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: January Technologies, Inc
State: AR

Complaint narrative:
I am filing a complaint against January Technologies, a collection agency based in New York, for repeated violations of my consumer rights. 
This company has been sending me daily texts and emails demanding payment. 
They have never provided any documentation or validation of the debt, despite being required to do so under the Fair Debt Collection Practices Act ( FDCPA ). 
I have never spoken to them by telephone or acknowledged the debt. 
Their repeated contacts without validation are harassing, misleading, and unlawful. I did NOT AUTHORIZE MULTIPLE TEXTS AND EMAILS DAILY! 
I request that the CFPB investigate January Technologies and require them to : 1. Cease all communication until proper validation of the alleged debt is provided.

2. Supply written documentation proving their right to collect. 
3. Remove any negative information they have reported to the credit bureaus, as it is unsupported by documentation. 

This company is engaging in deceptive and harassing collection practices that violate the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-26 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:
I am writing to file a formal complaint regarding inaccurate information on my credit report. I previously submitted a dispute to TransUnion under FCRA 611 ( 15 U.S.C. 1681i ), requesting a reinvestigation of the following inaccurate entries on my credit file. Despite providing supporting documentation proving the inaccuracies, TransUnion has failed to conduct a reasonable and timely reinvestigation. The erroneous information remains on my credit report, causing damage to my creditworthiness. 
XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} This issue falls under FCRA 611 ( 15 U.S.C. 1681i ), which requires a fair reinvestigation of disputed information. The failure to conduct a reasonable investigation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Obligation to reinvestigate disputed information.

FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) : Removal of unverifiable 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 2025-08-26 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:
Since then, the account has repeatedly been updates as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. this inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights ; I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-26 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:
Since then, the account has repeatedly been updates as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. this inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights ; I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MA

Complaint narrative:
I fully disagree with Hunter Warfields claims and resolution. Their response does not validate the alleged account and fails to provide the legally required documentation under FDCPA 809 ( b ) and FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). 

I have no legal, binding contract with Hunter Warfield , Inc., and I demand this account be returned to the original creditor. The limited and generic statements they provided are insufficient and do not constitute lawful validation. Courts have ruled repeatedly that archived statements alone are not proof of liability or ownership ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). 

I requested specific documentation, including : Original signed agreement Full itemized accounting Forward Flow or Purchase Agreement proving transfer Chain of title/assignment documents Complete payment history FDCPA 1692g validation notice Notice of default and collection authority Proof of statute of limitations Credit reporting authorization Prior dispute investigation records None of these were provided. Instead, I received redacted, generic responses, which fail to satisfy federal requirements. Under FCRA 1681n and 1681o, continuing to furnish unverifiable and disputed data is willful and negligent noncompliance. Continued communication after my cease-and-desist request also violates FDCPA 805 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ADP Inc.
State: WA

Complaint narrative:
Somebody tried to make a transaction on my account and asked me if I wanted to accept it. I said no it said due to this were gon na give you a call. This is a fraud department were gon na give you a call a little bit. Next thing you know, I received a call, told them all my information and all my money was gone now I have nothing left.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
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 non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today, and I dont understand why this has not been corrected. Even after refreshing my browser, the issue remains unresolved. I need the documents I submitted to be carefully reviewed so this can finally be fixed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
Ordered a phone from XXXX XX/XX/year> They stated they could not fulfill the order and that they had cancelled the phone I still needed a phone and line as I had cancelled with my prior phone company Was promised a gift card for switching phone lines that I did not receive due to the fulfillment issue ( false advertisement ) I spent hours on the phone trying to figure out a solution as I had already transferred my phone number and still needed a phone XXXX reassured me that everything was cancelled and closed out as it was their issue and started a whole new order in which I make monthly payments on time currently I thought I was in great standing with XXXX because I did not hear from them that I owed anything until Diversified Adjustment Service , Inc. started calling me and sent me an email that I owed money for a phone I never received that XXXX had cancelled and reassured me that it was cancelled. Providing proof of cancellation from XXXX in the attachments. Spent more hours on the phone with XXXX, they had trouble finding the account because I never received the account information since it was closed out. They sent me to speak to Diversified Adjustment Service , Inc. in which I filed an online dispute that they never reached back out, however after I filed the dispute they stopped contacting me. However, this is still on my record and affecting my credit score in which I am providing receipts/proof of their wrongdoing as this is significantly affecting my life. No one that I contact is willing to help with this debt that I did not approve or acquire myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a dispute regarding a fraudulent account listed under my identity. I never authorized, opened, or used this account. Its presence is entirely false and is causing significant harm to my credit report and financial reputation.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got a job offering from my school ( XXXX ) email regarding a virtual assistant position. I filled out the job form on the school website and I later received an email from XXXX collective saying I got the job. Afterwards, a person claiming to have the name XXXX XXXX gave me a fake check for {$4900.00}. He told me to deposit the check into my Wells Fargo checking account, which I did, not knowing it was a fake check at the time. After I deposited the check, only {$400.00} was available that day. He told me to donate the {$400.00} to an orphanage through XXXX XXXX. Thus, I transferred the {$400.00} from my Wells Fargo checking account into my XXXX XXXX and sent the {$400.00} to the person he wanted me to send the money to. This was on XX/XX/year>. The next day ( XX/XX/year> ), he wanted me to wire at first send {$2000.00} through XXXX XXXX to another person, which I didnt because I felt something was off. However I transferred the {$2000.00} into my XXXX XXXX, but I didnt spend it. I realized that I was given a fake check and that XXXX XXXX was a scammer. I then transferred the money back into my account, but XXXX took a {$15.00} transaction fee, so {$1900.00} was transferred back into my Wells Fargo checking account. I notified Wells Fargo the same day. They replaced my cards and I filled a claim against all the transactions that occurred after I deposited the fake check. Wells Fargo took over a week to review my claim and denied it on XX/XX/year>. As expected the check bounced and Wells Fargo took back the {$4900.00}. However, they took back an additional {$1900.00}. They said that their wasnt an error with the translations except for the {$1900.00} I transferred back into my account. I never spent that money. I fell for a job scam, realized it and tried to do what was right ; but Wells Fargo didnt help me at all in this situation. Instead, they took {$1900.00} from me. Now my account is in the negatives since XX/XX/year>. I owe the bank {$1600.00} as of now.

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 2025-08-26 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-26 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute : XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$65.00} XXXX  XXXX XXXX Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief