vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am filing this complaint against Equifax for failing to ensure maximum possible accuracy of my credit report and failing to conduct a reasonable investigation to determine whether the disputed information is inaccurate in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ).

My report lists several charge-off accounts that are unsubstantiated. I never received any charge-off statements or IRS 1099-C forms from the original creditors. When I requested proof, neither the creditors nor Equifax could provide documentation showing how the charge-off amounts were verified. It is unclear how Equifax could have confirmed the accuracy of these balances without any records. How did Equifax verify the accuracy of these accounts? ( See attached dispute letter and confirmation of receipt ) In addition, several accounts show repeated 30-, 60-, and 90-day late payments for consecutive months in a row, which is inaccurate, illogical and impossible, demonstrating inaccurate reporting. I have attached the XXXX account that is an example of this. All of the accounts I disputed mimic this inaccurate reporting. How did Equifax verify the accuracy of these accounts? ( See attached ) I was also a victim of the Equifax data breach and other data exposures that led to unauthorized charges on my cards. This makes data accuracy and verification even more critical. ( See attached ) The following accounts need to be reinvestigated and deleted. 

XXXX XXXX XXXX Account # XXXX Inaccurate status, balance amount and payment history. Account appears tampered without my authorization, possibly from Equifax Data Breach. 

XXXX XXXX- Account # XXXX Inaccurate status, balance amount and payment history. Account appears tampered without my authorization, possibly from Equifax Data Breach. 

XXXX XXXX XXXX ( 3 Accounts ) -Accounts # XXXX Inaccurate status, balance amount and payment history. Account appears tampered without my authorization, possibly from Equifax Data Breach. 

XXXX XXXX- Account # XXXX Inaccurate status, balance amount and payment history. Account appears tampered without my authorization, possibly from Equifax Data Breach. 

XXXX XXXX- Account # XXXX Inaccurate status, balance amount and payment history. Account appears tampered without my authorization, possibly from Equifax Data Breach. 

XXXX XXXX XXXX Account # XXXX Inaccurate status, balance amount and payment history. Account appears tampered without my authorization, possibly from Equifax Data Breach.

This account appears to have been opened without my authorization, possibly from Equifax Data Breach.

I request that the CFPB investigate : 1. How these charge-offs were verified without supporting documentation ; 2. Equifaxs data accuracy procedures ; and 3. The removal of all unverifiable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I am disputing a debt that XXXX and its collector, Diversified Adjustment Service, are attempting to collect for {$540.00}. This amount is invalid and resulted from XXXX failure to properly process multiple cancellation requests for internet service that I no longer used. 

At the end of XXXX, I moved from my former residence in XXXX XXXX, MD, where XXXX service was active. My new apartment included internet as an amenity, so I canceled my XXXX service through the XXXX app and received confirmation on-screen that the request was successful. However, XXXX continued billing me. 

Throughout XXXX, I made multiple additional attempts to cancel both by calling XXXX customer service and messaging through their app but the charges kept coming. To make absolutely sure, I even drove to at least five different XXXX store locations across Maryland, trying to cancel in person. Each time I was told cancellations could only be done online or over the phone, even though others I know had canceled in person at those same stores. 

Despite all these efforts, XXXX never sent me a written confirmation of cancellation. The account continued to auto-debit my bank even after I had moved twice first to XXXX, MD in XXXX, and later to XXXX XXXX , MD in XXXX. 

In XX/XX/XXXX, I filed a formal bank dispute over these unauthorized XXXX charges. My bank investigated and refunded {$470.00}, confirming the charges were invalid. Soon after, XXXX stopped billing me but instead sent the alleged balance to collections, resulting in a Diversified Adjustment Service notice dated XX/XX/XXXX. 

That notice was even mailed to my old XXXX XXXX address, showing XXXX never updated my records despite my move notices. The collection account has already caused my credit score to drop by over XXXX points.

I have supporting documents including my bank refund letter, move-out statements from all residences, and the Diversified collection letter showing the incorrect balance and outdated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Buying a new home and had to unfreeze my credit reports for the mortgage company. Credit has been run and I am now trying to freeze all XXXX of my credit reports but the websites won't allow me to freeze my credit that is current on a temporary unfreeze status until XX/XX/year>. I would like my credit freeze back on all three credit bureau 's.

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 2025-10-20 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has a " known issue '' with their credit card payment system where their bill pay service will cut a physical check and mail it to their credit card payment address. I tried to resolve this, but after 1+ hours, the agent told me there's not a way to fix it, and that I should just send the payment from my external bank via ACH. That's what I started doing, but they now place a 10-day hold on all payments, even though the funds have arrived at BofA via ACH. I understand if I was writing a check, or if they were pulling the funds via ACH, but they funds were PUSHED to them, so placing those funds on hold after they have been received is dubious at best, fraudulent at worst.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am formally disputing the accuracy of the above-referenced XXXX XXXX  account that appears on my credit report. The account currently reports a charge-off status with a balance of {$1500.00}, a credit limit of {$900.00}, and various data inconsistencies that make this information inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA 611 and 623 ). 

Specifically : The account is listed as closed on XX/XX/XXXX, yet reports a high balance from XX/XX/XXXX to XX/XX/XXXX, which is impossible for a closed account.

It lists a last payment of XX/XX/XXXX even though the account was closed months earlier.

The high balance exceeds the credit limit by several hundred dollars and should be verified.

The account has been updated as recently as XX/XX/XXXX despite being charged off years ago, which may indicate improper re-aging.

Payment history fields are missing or show inconsistent data ( No Data ) that can not be verified.

I request that you conduct a full investigation and verify this information with XXXX XXXX services. If the creditor can not provide proper documentation supporting these details, please delete or correct the account immediately. 

Please send me written confirmation of your investigation results within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
These items need to be removed from credit Due to the Data Broker Rule Withdrawal release XX/XX/year>, The XXXX XXXX 's Consumer Financial Protection Bureau ( CFPB ) rescinded a proposed rule in XX/XX/year> that would have regulated data brokers under the FCRA and these creditors could no longer be on my credit report to include the following 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 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These items need to be removed from credit Due to the Data Broker Rule Withdrawal release XX/XX/year>, The XXXX XXXX 's Consumer Financial Protection Bureau ( CFPB ) rescinded a proposed rule in XX/XX/year> that would have regulated data brokers under the FCRA and these creditors could no longer be on my credit report to include the following 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 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 non-monetary relief
Consumer complaint received 2025-10-20 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: CT

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Some accounts have closed and some are accounts that been bought by debt collectors they have inquired a debt and arent my original creditors and dont have original indebtment and I want them to be remove from credit report, by law my indebtment is not with these debt collectors by consumer protection law they are required to show proof of the debt and the original debt within ( 30 ) days or you must remove these items from my credit without prejudice..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Two inquiries appeared on my credit report from companies that submitted applications in my name without my authorization. I did not initiate or consent to any of these applications, making them fraudulent. I previously contacted the bureau, and a representative assured me these inquiries would be deleted, yet they still remain. Their continued presence is unfairly damaging my credit score and causing unnecessary stress.

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 2025-10-20 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: FL

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AZ

Complaint narrative:
They need to show how they verified the things on my account Legal Basis of This Request Under FCRA 611 ( a ) ( 1 ) ( A ) You must conduct a reasonable reinvestigation to determine the accuracy of disputed information within 30 days of receipt of this notice.

Under FCRA 611 ( a ) ( 5 ) ( A ) If any item can not be verified, it must be promptly deleted from the file.

Under FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers may not report data they know or should know is inaccurate.

Under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Any debt collector must provide proper validation of a debt when requested in writing.

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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: WI

Complaint narrative:
XXXX XXXX ( Account with [ Credit controls ll cAge To Whom It May Concern, I am writing to dispute the accuracy and validity of a collection account appearing on my credit report. The account details are as follows : Collection Agency : Credit controlls LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ] Original Creditor : XXXX XXXX Account Type : Collection Account Date Opened : XX/XX/year> Reported Balance : {$160.00} Status : Placed for Collection I have no record or documentation of this alleged debt, and I have never received a written validation notice from the collection agency as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I am requesting that you investigate this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and require the furnisher ( the collection agency ) to provide full verification of the debt, including : The name and address of the original creditor ; The date and amount of the alleged debt ; Copies of any contract or agreement bearing my signature ; and Proof that the collection agency is authorized to collect on behalf of the original creditor.

If this account can not be verified with proper documentation, I request that it be deleted from my credit report immediately.

Please confirm the results of your investigation in writing within 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX CARD PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXXXX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXXXXXX XXXX Account number : 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 2025-10-20 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: SC

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for allowing the reporting of false and inaccurate addresses on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The following addresses are being reported on my credit file, and they are 100 % inaccurate and do not belong to me : XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX XXXXXXXX, SC XXXX Wrong Address These addresses are erroneous and are severely damaging my consumer report. The presence of incorrect addresses raises serious concerns regarding the accuracy, integrity, and security of my personal credit file. Such false reporting creates confusion, misidentification, and increases my risk of identity theft. 

Under FCRA 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Continuing to report false addresses is a direct violation of this provision. Furthermore, under FCRA 611, I have the right to dispute inaccurate information and demand its immediate correction or deletion.

I am demanding the following : Immediate removal of the above-listed wrong addresses from all of my consumer reports.

A full reinvestigation into how and why these false addresses were ever placed on my credit file.

Written confirmation that these items have been permanently deleted.

If these false addresses are not removed immediately, I will have no choice but to pursue additional remedies, including escalation through the Federal Trade Commission ( FTC ), state regulators, and legal counsel for violations of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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