vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MS

Complaint narrative:
I am submitting this formal complaint regarding the unlawful actions of Diversified Adjustment Service, which have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered an account associated with XXXX XXXX XXXX ( account number XXXX ) reported by Diversified Adjustment Service. This account has been placed on my credit report without proper verification that it is mine. Furthermore, I have not been provided with prior notice or the opportunity to dispute this alleged debt. These actions constitute clear violations of my rights and protections under the FDCPA and FCRA.

The placement of this unverified account on my credit report is a direct violation of my rights, and it has resulted in defamation of my character. By reporting this unverified and disputed debt, Diversified Adjustment Service has publicly presented inaccurate information about me to potential creditors, employers, and others who review my credit report. This can cause irreversible damage to my reputation, financial standing, and credibility. Such defamation has led to undue stress, frustration, and potential financial harm, as it may negatively affect my ability to secure credit, housing, and employment.

In addition, Diversified Adjustment Services continued efforts to collect on behalf of XXXX XXXX XXXX their failure to properly validate the debthas resulted in the improper sharing and use of my personal information, further harming my reputation.

Diversified Adjustment Service has violated the following provisions of the FDCPA : 15 U.S.C. 1692e : Engaging in false or misleading representations, including reporting unverified or inaccurate information.

15 U.S.C. 1692f : Employing unfair practices to collect a debt, such as improperly sharing personal data without validation.

As a result of these violations, I demand that the aforementioned account be immediately removed from my credit report and that Diversified Adjustment Service cease all attempts to collect this unverified debt. I also request a thorough investigation into this matter and expect written confirmation of corrective actions within 15 days.

Please note that under federal law, Diversified Adjustment Service is required to verify this debt before reporting it to the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/year> I received an email from Wells Fargo saying that my information had been updated and added a new email address I didn't recognize. I haven't had an open account with Wells Fargo for at least a couple of years. I called Wells Fargo letting them know I didn't make any changes. They said I had been the victim of identity theft then. They were making the necessary adjustments to my account. 
On XX/XX/year> I received a call from Wells Fargo saying they had an update on my account. I called back on XX/XX/year> after verifying the number was legitimate. After a few transfers, I had found out someone had opened XXXX bank accounts in my name. The bank closed them due to identity theft. 
On XX/XX/year> I opened a letter from XXXX XXXX XXXX XXXX  dated XX/XX/year> saying that I had applied for a High Yield Savings Account and they need more information. I called and let them know I had been a victim of identity theft and that I did not try to open an account. They closed the application and recommend I contact this agency.

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 2025-02-05 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: NM

Complaint narrative:
I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year> via mail.The response stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' The second letter was mailed on XX/XX/year>, but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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 2025-02-05 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: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2025 my account illegally overdrawn by a credit card merchant. I had a minimum payment that was arranged to be paid to the credit lender. 

After successfully making my minimum payment for the month the merchant then went and collected an unauthorized payment of XXXX on XXXX XXXX The next day when I spoke to a representative, I was told I could file a dispute but that it would take up to ten days to process. After receiving that information I kindly asked the representative not to proceed with the dispute because it would take up to ten days to receive money I need that day of. 
After speaking with the representative I then was escalated to to someone in the management department who i also stated to, that I did not want to proceed with the dispute. 

XXXX XXXX upon checking my account I saw that the payment had been reversed. I called and spoke to a representative and a supervisor explaining the issue, and making them aware that the evidence of me verbally asking them to not submit or proceed with the dispute was on a recorded line. If the call can be reviewed, my voice clearly tells both representatives to " NOT PROCEED. 
Same day I was escalated to management department where I was again told on a recorded line that dispute would be stopped and I had nothing to worry about. Then after that call transfered another supervisor explained that the dispute has been submitted XX/XX/2025 by the same representative I am on a recorded line with asking not to proceed with the dispute. I asked management when did the bank start to go through with proceedings without first getting authorization and no clear answer could be provided to me.

I am sending this report in hope to have my account and credit union investigated for proceeding against my authorization and for also hurting my credit as the reverse from the merchant effected my credit negatively. I will be in contact with my attorney and seeing what I can do to take this matter to court as it is unfair my life and finances have been effected by this force submission and the bank refuses to correct their own mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 
they have reported to my credit, and calls me all time of the day from XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: MN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-05 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: GA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-05 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-02-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
Transunion has maliciously attacked my credit file by reinserting fraudulently obtained counts even after me sending an official FTC identity theft report on FTC website. Even though this is a legitimate copy of the FTC Report Transunion continues to claim this appears to be not valid these are one of the terminology they us to prevent removing fraudulent items on my credit. Ive sent dozens of valid FTC identity reports and Transunion continues to claim as not valid with no Verification attempts to the FTC. They completely deny the legitimacy of the document and accuse of it not being a real report. I have no defense against this multi billion dollar powerhouse called Transunion. They are negligently continuing to report these items. Even items claims to have removed is not updated and is somehow locked to where it wont update to future lenders, Transunion is intentionally preventing me from receiving further financing as retaliation to me filing disputes and CFPB complaints against them. They will write any narrative possible to not remove these items and not accept my FTC identity reports. Please assist in enforcing the LAW, I am due at least XXXX XXXX dollars in compensation for my pain and suffering, emotional distress, loss of sleep and anxiety caused due to the malicious actions of Transunion. Please assist in enforcing penalties against Transunion. A proper relief would be for Transunion to delete all items sent in previous identity reports and to stop lying saying they deleted items on paper but not on my actual report. Attached is all necessary proof to confirm identity and three valid FTC identity reports that Transunion will continue to claim as not valid yet they wont state whats not valid about them. The wont even verify them they just rule them as not valid, also is a copy of my drivers license, a bank statement and my social security card

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 2025-02-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
I received a credit report with a debt collection from bounce ai. I disputed the account several times via XXXX and reported the fraud. The original company XXXX  can't be reached. I have filed a complaint with the XXXX but they were unable to contact them. I have never had any type of account with XXXX. I have never heard of XXXX. 

I have emailed XXXX many times. The website contact page is blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I got a message from a friend to send him money on CashApp and I did and as soon as I sent the money the name changed and I was blocked. I reported to CashApp and they emailed me saying to contact my bank and the bank told me there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief