vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have had several bank accounts opened online in my name as well as several credit and loan attempts made under my name and two of my bank accounts. Neither of which were ever approved by me, and my account is in the negative and I am unable to access and pay my bills. I suspect fraud on multiple platforms as multiple accounts have been opened within the past two months and my credit score has suffered because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
I am filing a complaint regarding an account being reported by Bounce AI on my credit report for a debt originally from XXXX XXXX. 

I am receiving active collection emails from a different company called XXXX, who states they are collecting on behalf of XXXX XXXX Wisconsin for the same account. I have attached a screenshot of their communication. 

This means two different companies are attempting to collect the same debt. I am asking the CFPB to investigate because : 1. Bounce AI is reporting a collection account on my credit report as if they own the debt. 
2. XXXX is stating they are collecting the same XXXX XXXX debt. 
3. Only one company can legally own or collect the debt at a time. 
4. Bounce AI has not provided any proof of ownership, chain of title, or assignment from XXXX XXXX. 
5. The debt ownership and assignment are unclear, conflicting, and unverifiable.

6. This is a violation of the Fair Credit Reporting Act ( FCRA ) because the information being reported can not be verified for accuracy. 
7. This is also a potential violation of the FDCPA due to multiple collectors attempting to collect the same alleged debt. 

I am requesting : - Verification that Bounce AI legally owns the debt, AND - Complete documentation showing the assignment or bill of sale from XXXX XXXX to Bounce AI. 

If the company can not validate ownership or the chain of title, I am requesting that the Bounce AI collection account be deleted from all of my credit reports immediately because it is inaccurate and unverifiable. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-03 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DPEDXXXX XXXX XXXXXX/XX/XXXX - {$990.00} XXXX - XX/XX/XXXX - {$240.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} Hard Inquiries : 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 2025-12-03 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: LA

Complaint narrative:
I am a consumer working to fix my credit. Below are the details of the accounts in dispute, separated by each bureau. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). 

EXPERIAN ( EX ) : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Inquiries : EXPERIAN ( EX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : EXPERIAN ( EX ) : 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 2025-12-03 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: OR

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current. 

Previous Addresses Listed : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I am disputing the accuracy of several items reported by Experian. Some accounts and inquiries are incorrect, outdated, or improperly reported. 

Charged Off Accounts XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$8500.00} XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4100.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Dispute Reason : These accounts are reporting as Charged Off, but I do not have documentation verifying that these debts are valid, accurate, or legally collectible. I request full validation and removal or correction if they can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Inquiries XXXX Card XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Reason : I do not recall authorizing these inquiries. Please provide proof of permissible purpose under Section 604 of the FCRA or remove them. 

Late Payments XXXX XXXX  Account # XXXX Dispute Reason : I request verification of the accuracy of this late payment. If records can not be validated, please update the account to Paid as Agreed.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding a serious incident involving a Truist Bank employee at the XXXX XXXX XXXX XXXX XXXX XXXX branch. 

During my first visit, I simply requested a cashiers check. A teller asked another employee for assistance, who repeatedly checked my ID, stared at me with hostility, questioned my intentions, and unnecessarily reviewed my account in a way that felt accusatory. I asked why she was treating me this way, and she said she didnt know, and ran my ID again for no reason. 

A few weeks later, I returned to the branch to use the 24-hour ATM from my vehicle. This same employee exited the building at closing time, walked past my car, then turned around and approached my vehicle aggressively. She began knocking on my window repeatedly, demanding to know what I was doing there, even though I was simply using the ATM. She frightened my girlfriend who was with me. Even after I showed my bank card, she continued knocking, told me to hurry up or leave, and then threatened to call the police without any cause. 

This behavior constitutes harassment, intimidation, and improper conduct by a bank employee. Customers have the right to use a 24-hour ATM without being confronted, interrogated, or threatened. 

I reported the incident to the branch manager and to Truist corporate. Despite the severity of the situation, I was offered only a {$50.00} courtesy credit, which does not address the seriousness of the harassment or the safety concerns created by the employee. 

I am requesting a full investigation into this employees conduct, the branchs handling of the incident, and Truists response to my complaint.

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 2025-12-03 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: FL

Complaint narrative:
All of my personal information has been stolen, and I truly dont know how it happened. Someone has been opening accounts and making inquiries under my name accounts I have never had or authorized. 

Because of this, I urgently need Experian, as a credit bureau, to pay immediate attention to my situation. I have waited on the phone for more than an hour seeking help, and it is extremely frustrating to feel like Im close to a solution but never receive immediate assistance. 

inquiries : 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 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 explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
[ IDENTITY & SUPPORTING DOCUMENTS ATTACHED ] Equifax has repeatedly violated the Fair Credit Reporting Act in handling my identity theft dispute. After I submitted my FTC Identity Theft Report, proof of identity, and a detailed written dispute, Equifax sent notices refusing to block multiple identity-theft accounts as required by FCRA 605B.

In addition, I requested the Method of Verification multiple times for the accounts Equifax marked as verified. Equifax never provided MOV, which is a clear violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). When a bureau can not provide MOV after a request, the information is legally considered unverified and must be deleted under 611 ( a ) ( 5 ) ( A ).

Despite this, Equifax continues to publish the disputed accounts, causing ongoing harm and preventing me from clearing my file of information that is clearly not mine. 

I am a legitimate theft victim and have endured years of identity compromise. I was once XXXX XXXX in XXXX, AL, because my cousinwho has a nearly identical name and the same birth yeargave my name to authorities. Later, my purse was snatched and stolen from a XXXX XXXX XXXX in XXXX, AL. Inside were my SSN, drivers license, and personal documents. I never recovered them. 

Since then, I have dealt with unauthorized accounts, false addresses, inquiries I did not initiate, and credit damage that I continue to fight to correct. Most recently, I received a breach notification from XXXX, a XXXX  partner, stating that my SSN and DOB were exposed in a data breach with no timeline givenmeaning I have no idea how long my identity has been compromised. 

Given all of this, the identity theft accounts on my Equifax report are clearly not mine, yet Equifax has refused to block them and has failed to provide the verification legally required to keep them reporting. Equifaxs noncompliance is now causing me financial harm, emotional distress, and ongoing fear that new accounts will continue to appear under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : No disputed charged-off accounts reported. 

Inquiries : I am disputing the following inquiries on my Equifax credit report : XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: CA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
Experian Reporting Inaccurate Late Payment for XXXX Account, FCRA Violations I am filing a complaint against Experian for reporting an inaccurate late payment on my XXXX account. The information being furnished is incorrect, unverifiable, and incomplete, which violates the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 611.

Experian is reporting a late payment that I do not owe. I contacted Experian and submitted a formal dispute requesting verification of the alleged late payment. Experian responded by stating the item was verified, but did not provide any documentation or method of verification, which is required under FCRA 611 ( a ) ( 7 ). 
XXXX has not supplied any supporting documentation to validate this late payment, nor has Experian shown proof of the data source used to verify it. This means the information is not being verified according to FCRA standards. 
The continued reporting of this inaccurate information is causing harm to my 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 non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was a victim of identity theft and my identity was on the XXXX  web the collection was off my report and they put it back on Im a about to hire a attorney now there playing with my life and Jefferson capital bought the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Hello, I am appealing this decision again and providing new information as requested. 

I did not authorize these transfers. 

My device shows no record of initiating either transfer. 

There is no history of me successfully logging in at the timestamps when SoFi claims the transfers were authorized. 

My phone was in my possession the entire time, and I did not receive any XXXX codes or approve any login attempts. 

If XXXX was used, it was done without my possession or consent which indicates a compromised session, SIM-swap exposure, malware, or credential replay. 

I am attaching proof that malware was found on my device during this time ( if you have the screenshot ). 

Under Regulation E, unauthorized electronic fund transfers must be provisionally refunded unless SoFi can prove I performed the transaction. 

Please reopen the claim with this new information included. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation