vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been attempting to get my credit profile released to creditors but the denial reason I receive is either the credit file is unverifiable or it is frozen. When I contact Equifax, they tell me it may be because my address does not match in the system and to simply submit a dispute. I have done that on several occasions, both via mail and online with the supporting documentation with no result. These dispute investigations last 1-2 days. I have submitted another dispute certified ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
Dear CFPB, I am submitting a formal complaint against Diversified Adjustment Service, acting on behalf of XXXX XXXX for illegally reporting a collection account to XXXX  and XXXX  without proper notice, validation, or legal authority. 

I have no knowledge, agreement, or signed contract with XXXX XXXX and I never received any bills, itemized statements, or validation required under federal law. This is not a legitimate or verifiable debt. Furthermore, no communication was made to me prior to reporting, in violation of several consumer statutes. 

This alleged debt is telecommunications-based and therefore falls under : The Telecommunications Act of 1996 FCC rules under Title 47 CFR 64.2401, which mandate clear billing practices and dispute resolution rights 47 U.S. Code 222 governing customer proprietary network information ( CPNI ) and confidentiality FCC Truth-in-Billing policy requiring transparency before assigning debt to a third party Diversified Adjustment Service has failed to provide the following legally required documentation, despite my dispute : A signed service agreement or application with XXXX A full itemization of charges Proof of assignment or sale of debt The Forward Flow Agreement between XXXX and Diversified Licensing and bonding proof to collect in my state The reporting of this alleged debt without validation is a direct violation of : FDCPA 809 ( 15 U.S.C. 1692g ( b ) ) failure to validate debt FCRA 1681e ( b ) failure to ensure accuracy in reporting FCRA 1681s-2 ( b ) failure to investigate and correct errors FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) failure to honor cease and desist This account is still appearing on XXXX  and XXXX  as a paid collection, despite lacking legal substantiation and despite my cease and desist notice. That constitutes harassment under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the presence of a public bankruptcy record on my credit report dated XX/XX/year>. The bankruptcy was officially discharged on XX/XX/year>, as filed under case number XXXX in the XXXX XXXX of Florida XXXX 

The presence of this public record on my report is damaging and was added without proper verification, notice, or my consent. 

The bureaus ( Experian, Equifax, and TransUnion ) are reporting information obtained from third-party vendors such as XXXX or XXXX, which are not original furnishers of credit data and do not meet FCRA reporting standards.

Additionally, none of the three bureaus sent me written notice before placing this public record on my file a violation of 15 U.S.C. 1681e ( b ) and 1681i regarding the duty to maintain accurate records and reinvestigate upon consumer dispute. 

I have attached a copy of my discharge order showing that the matter is resolved. At no point did I reaffirm this debt, and no new written agreement exists regarding the auto loan involved. 

Continued reporting is inaccurate, incomplete, and harmful to my financial recovery after bankruptcy. It also creates a barrier to obtaining reliable transportation and rebuilding credit.

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 2025-08-04 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  and Experian 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 a collection account opened at XXXX under account number XXXX with an amount of {$510.00} ; and a collection account opened at XXXX XXXX under the account number XXXX with an amount of {$780.00} ; and the following inquiries : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
A collection account from Portfolio Recovery Associates was previously removed from my credit report after a dispute. I confirmed the removal on XX/XX/XXXX and XX/XX/year>, across multiple credit reporting platforms. However, I recently noticed that the same account had already reappeared in XX/XX/year>, before the official removal dates, with no written notice or explanation.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), if a previously deleted account is reinserted into a consumers credit file, the credit bureau is required to send written notice within five business days. I never received any such notice from the credit bureaus or from Portfolio Recovery. 

Additionally, I have not received debt validation or any supporting documentation that explains why this account was removed and then re-reported. The reappearance of this account has negatively impacted my credit and is causing confusion and stress. 

I am requesting : XXXX. A full investigation into the reinsertion of this account. 
XXXX. Written documentation proving that proper reinsertion procedures were followed. 
XXXX. Debt validation from Portfolio Recovery Associates. 
XXXX. Permanent deletion of this account if those conditions can not be met. 

I am uploading screenshots showing the accounts prior removal and its reappearance as supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
How is the victim of identity theft? And unfortunately my police department can't find my police report for it. They need specific dates and I have a horrible memory because I have a XXXX from the military. 

The card in question has never been paid once and it was never paid until it went to collections. That is unlike my character. If you look at all my other credit cards I at least make the minimum. We're often more and I'm in active repayment for all of them. I would never let a card slide after just getting it. 

The company is USAA. The military friendly company that I tried to get a checkings account from but never a credit card. 

This was a fraudulent use of my identity and credit to get a credit card from them. That was probably given a pin and they drained all of the money and threw the card away. I'd like to see what address they sent it to because I know it's not mine. I never received one because I didn't ask for one. 

Please help. Thank you

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I purchased two vehicles recently ( XXXX & XX/XX/2025 ) only authorizing those respective hard inquiries. Nine hard inquiries are noted on my credit report which are UNAUTHORIZED via TransUnion, it should only be three authorized. 

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 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 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 2025-08-01 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased two vehicles recently ( XXXX & XX/XX/year>2025 ) only authorizing those respective hard inquiries. Nine hard inquiries are noted on my credit report which are UNAUTHORIZED via XXXX, it should only be three authorized. 

XXXX. XXXX XXXX Bank ( XXXX ) XX/XX/year>2025 XXXX. XXXX XXXX ( XXXX ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XXXX 2025 10. XXXX XXXX XXXX ( NOT AUTHORIZED ) XXXX 2025  11. XXXX XXXX ( NOT AUTHORIZED ) XXXX 2025  12. XXXX XXXX ( AUTHORIZED & DECLINED TOO MANY HARD INQUIRIES ) XX/XX/year>2025 2025

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 2025-08-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased two vehicles recently ( XXXX & XX/XX/year>2025 ) only authorizing those respective hard inquiries. Nine hard inquiries are noted on my credit report which are UNAUTHORIZED via XXXX, it should only be three authorized. 

XXXX. XXXX XXXX Bank ( AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. FIFTH THIRD ( NOT AUTHORIZED ) XX/XX/year>2025 XXXX. XXXX XXXX ( NOT AUTHORIZED ) XXXX 2025 10. XXXX XXXX XXXX ( NOT AUTHORIZED ) XXXX  2025 11. XXXX XXXX ( NOT AUTHORIZED ) XXXX 2025 12. XXXX XXXX ( AUTHORIZED & DECLINED TOO MANY HARD INQUIRIES ) XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: MT

Complaint narrative:
I am submitting this complaint due to inaccurate, misleading, or outdated information reported on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specifically : Discover and XXXX report balances exceeding their listed credit limits, violating Metro 2 guidelines and FCRA 1681e ( b ). 
XXXX XXXX shows an Open status despite no activity since XX/XX/XXXX. 
XXXX XXXX Bank reflects account usage without listing any credit limit, which is misleading and affects utilization calculations. 
My credit report contains unauthorized or incorrect personal information, including multiple name and address variations. 
XXXX also shows a XX/XX/XXXX 30-day late payment that I believe to be inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
On XX/XX/year> I contacted XXXX regarding the inaccuracy of my student loan account being reported over 120 days late. Dispute Statement Regarding Inaccurate Late Payment Reporting I am formally disputing the reporting of late payments on my credit report related to accounts that were in federally protected forbearance, as confirmed by the U.S. Department of Education. These accounts were not delinquent, and the reporting of late payments during this period is both inaccurate and unlawful.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to promptly delete or correct any information found to be inaccurate or unverifiable following a consumer dispute. The Department of Educations records confirm that my account was in active forbearance, and therefore no late payments should have been reported.

Additionally, the CARES Act and subsequent federal guidance explicitly prohibited the reporting of adverse information for federally backed student loans in for
bearance during the COVID-19 emergency period. Any deviation from this protection constitutes a violation of federal law and consumer rights.

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 2025-08-01 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: FL

Complaint narrative:
On XX/XX/year> I contacted XXXX regarding the inaccuracy of my student loan account being reported over 120 days late. Dispute Statement Regarding Inaccurate Late Payment Reporting I am formally disputing the reporting of late payments on my credit report related to accounts that were in federally protected forbearance, as confirmed by the U.S. Department of Education. These accounts were not delinquent, and the reporting of late payments during this period is both inaccurate and unlawful.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to promptly delete or correct any information found to be inaccurate or unverifiable following a consumer dispute. The Department of Educations records confirm that my account was in active forbearance, and therefore no late payments should have been reported.

Additionally, the CARES Act and subsequent federal guidance explicitly prohibited the reporting of adverse information for federally backed student loa
ns in forbearance during the COVID-19 emergency period. Any deviation from this protection constitutes a violation of federal law and consumer rights.

Company response to consumer: Closed with non-monetary relief