vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: NJ

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 2025-10-14 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: OR

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-10-14 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

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 explanation
Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
The account listed is not mine and is being reported in error.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
It began during the month of XXXX when I received a notification on XXXX  saying that I was put into collections, I sent them a debt validation letter to Diversified Adjustment Service, INC and XX/XX/XXXX they removed the debt from my account boosting my credit by about XXXX points, I then requested a FOIA request from them because I did not receive any letters of them proving the debt or anything of the sort, they sent me bills and only told me I had to pay not the original contract or proof of them being allowed to collect the debt, I did not go further with this simply because the debt was removed quickly and there was no serious damages on my account, all collections also stopped for up until XXXX XXXX took it back and put it back onto my account about XXXX months later, I disputed it again which resulted in the account being closed but the debt still being on my profile, since the debt was still on my profile and now it has taken up about XXXX  months of my time, I sent them a letter stating FRCA violations and requesting XXXX as well as the debt to be removed from all credit bureaus as well as threatened to sue if not complied which they did not respond to, did not send any money, did not show verification of the debt, and did not remove the closed account from the credit bureaus thus still effecting my credit score and inhibiting me from being able to purchase a vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
On XX/XX/XXXX, I contacted TransUnions fraud department to dispute several unauthorized hard inquiries that appeared on my credit report. I informed them that I did not apply for credit with the companies listed below and that these inquiries were made without my knowledge or consent. 

The unauthorized inquiries are as follows : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX I requested that TransUnion investigate and remove these inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which gives consumers the right to dispute inaccurate or unauthorized information on their credit reports. Despite providing all requested information and following their procedures, these inquiries remain on my report as of XX/XX/XXXX. 

TransUnion has failed to take any meaningful action or provide a resolution. These unauthorized inquiries are adversely affecting my credit score and overall creditworthiness. I am requesting immediate investigation and removal of these fraudulent inquiries, as required by federal law.

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 2025-10-14 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-14 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: NJ

Complaint narrative:
Dear Equifax, I am writing to formally dispute the reporting of late payments on my XXXX XXXX  credit card account ending in XXXX, which appears on my credit file with your bureau. 
For over a year, I have made multiple written requests to XXXX XXXX XXXX, XXXX. to investigate and verify the accuracy of the late payment information they are furnishing to your bureau. XXXX has failed to provide any documentation or proof that the reported delinquencies are accurate, complete, or verifiable under the law. 
Despite my documented attempts through direct correspondence and a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Chases responses have not included any substantiating evidence. Their continued reporting of unverifiable information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( b ) : The duty of furnishers to conduct a reasonable investigation upon notice of dispute, and to report only accurate and verifiable information. 
15 U.S.C. 1681i : The duty of consumer reporting agencies to reinvestigate disputed information and delete any item that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IN

Complaint narrative:
I am submitting this complaint regarding inaccurate and retroactive credit reporting by EdFinancial Services across my credit reports. 

My XXXX  report shows 90-, 120-, 150-, and 180-day delinquencies for XXXX 2025. These late payments are inaccurate and were added after the fact. During that time, my account originally displayed ND ( No Data ), meaning no payments were due. The delinquencies appeared all at once, retroactively.

EdFinancial placed me on a repayment plan without my knowledge or consent, and I was never informed that a plan had been created or that payments were required. I received no verified emails, phone calls, or mailed letters during that time. The address they had on file was my mothers address, but I had moved and was not receiving mail there. 

Once I learned of the issue in XX/XX/year>, I immediately applied for a forbearance to bring the account current and prevent further harm. Despite this, Experian still reports those delinquencies, which are false and misleading. 

I have also reviewed my TransUnion report, which does not show the same series of late payments. This inconsistency demonstrates that the data being furnished is inaccurate or incomplete under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Requested Action I am requesting that EdFinancial Services : 1. Remove or correct the inaccurate late payments for XXXX 2025, and 2. Update all three major credit bureaus XXXX XXXX XXXX XXXX  so that each reflects the accurate and consistent information. 

Please confirm that all three credit bureaus have been updated following your investigation. 

Attached are screenshots of my XXXX XXXX XXXX reports and my XX/XX/year> forbearance documentation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Grow Credit Inc
State: AL

Complaint narrative:
I am disputing the credit line with Grow Credit. This company has a terrible system. You originally enrolled me in autopay, but every time a payment was due, your system would magically un-enroll me from autopay. This has happened at least four or five times, and I often dont realize it until its too late. On the one occasion autopay actually worked, it withdrew funds from my account when I did not have sufficient balance, and I was forced to dispute that transaction. 

I have also read multiple statements from other customers reporting the same exact issue with Grow Credit autopay failing or being unenrolled without notice. ( See examples on XXXX complaints and XXXX. ) XXXX XXXX XXXX assert the following claims and demand correction : Violation of Electronic Funds Transfer Act ( EFTA ) / Regulation E Violation of Fair Credit Billing Act ( FCBA ) Breach of contract / negligence Unfair or deceptive practices/ consumer protection law Inaccurate reporting under FCRA / FDCPA / credit reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-14 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: SC

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, misleading, and unverifiable information on my consumer credit report. These errors are damaging my creditworthiness, causing financial harm, and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below are the specific disputed items : Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Not my residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Not my residence These addresses are inaccurate, unverifiable, and must be deleted immediately from my credit file. 

XXXX XXXX XXXX  SS # XXXX Date Opened : XX/XX/XXXX Original Balance : {$1000.00} Error : Reported Late Payment ( s ) that are inaccurate and unverified. 

XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Error : Reported as Charge-Off, which is disputed and must be validated or deleted. 

Low Country CR Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Error : Reporting inconsistent and unverifiable balance information. 

US Bancorp Inquiry Date : XX/XX/XXXX Error : Unauthorized inquiry ; I did not apply for nor authorize this hard inquiry. 

My Complaint : These accounts and addresses are inaccurate, misleading, and unverifiable. They violate FCRA Sections 604, 607, 609, 611, and 623, which require furnishers and credit bureaus to maintain maximum accuracy, ensure proper reinvestigation, and remove unverifiable or unauthorized information. 

Despite my efforts to resolve these issues directly with the reporting agencies, these harmful inaccuracies remain. I am requesting the CFPBs immediate assistance to : Investigate these accounts and reporting practices. 

Order the deletion or correction of all inaccurate and unverifiable information listed above. 

Hold the furnishers and reporting agencies accountable for their failure to comply with federal law. 

Relief Sought : Permanent deletion of all inaccurate addresses, accounts, and inquiries.

Written confirmation of corrections/deletions.

Assurance that these violations will not continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Braviant Holdings, LLC
State: TN

Complaint narrative:
There is a collection entry on my credit reports from XXXX XXXX XXXX. There is an entry for Balance Credit in the amount of {$1300.00} - Account XXXX On XX/XX/year>, I sent a letter to XXXX XXXX XXXX requesting validation of this debt. I received a response from them dated XX/XX/year>. Their letter indicating, they received my dispute. Their response " We confirmed the name and address listed on the account and the amount due and owing. Their letter included further instruction requesting me to log in to their portal https : //vhwebportal.com and follow steps to provide my first and last name, last 4 digits of my social and click the access now link. Also, listed on the letter from XXXX XXXX XXXX is " Current Creditor '' with the name XXXX XXXX XXXX. I am not certain why XXXX and XXXX chose to mail me a letter to log in to their portal with my personal information instead of mailing me what I requested. I decided not to follow their steps of logging in to a portal to provide them with my personal information because I don't know XXXX XXXX XXXX or XXXX XXXX XXXX. 

According to information on my XXXX report, my name, social security, telephone number and every address I have ever lived is on the Dark Web. So, logging into a portal to provide personal information is not an option for me. 

My letter to XXXX XXXX XXXX is attached as well as their response to me. 

Thank you for your assistance.

Company response to consumer: Closed with explanation