vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
I am requesting supervisory review because Bounce AI did not respond to any of my complaints. They replied with the exact same identity theft letter to XXXX disputes that were not identity theft related and sent the same copy and paste response in less than XXXX hours. This proves no investigation was performed.The XXXX complaints filed yesterday were : XXXX XXXX XXXX AI responded to all three with the same template letter used in my identity theft case. These disputes were not about identity theft. They were about inaccurate reporting, wrong account status, conflicting information between XXXX XXXX XXXX  and Bounce AI having no legal authority to furnish the debt because they do not own it.Another complaint filed three days ago, XXXX, also received an irrelevant response that did not address the issues raised. 

Bounce AI failed to investigate any of these disputes as required under FCRA 623. They ignored the actual issues, provided irrelevant responses, and used a copy-and-paste identity theft reply to avoid answering the disputes. Their responses were non-substantive and violated CFPB complaint handling rules.I am requesting supervisory review and a full reinvestigation of all disputes. Bounce AI must provide proper documentation, proof of ownership or assignment, accurate reporting validation, and responses that address each complaint individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX opening date XXXX account number XXXX ). XXXX XXXX XXXX opening date XXXX account number XXXX ) that appears related to the account fore mentioned personal loan account opened. 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 you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant tto FCRA 6058 ( 15 U.S.C. 5 16810-2 ), that the the TransUnion Union credit redit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX opening date XXXX account number XXXX ). XXXX XXXX XXXX opening date XXXX account number XXXX ) that appears related to the account fore mentioned personal loan account opened. 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 you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant tto FCRA 6058 ( 15 U.S.C. 5 16810-2 ), that the the TransUnion Union credit redit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: LA

Complaint narrative:
SELF/XXXX is reporting or attempting to collect a debt under account number XXXXXXXX XXXX XXXX XXXX XXXX I have not received proper debt validation or documentation showing that the debt is accurate, belongs to me, or that the company has the right to collect or report it. Without this information, I can not verify the legitimacy of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccurate information on my credit report. Below are the details of the accounts in question : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a new complaint regarding First Commonwealth Banks failure to comply with Regulation E in handling fraud on my account. This is separate from my original complaint because the issue now concerns the banks investigation misconduct, not just the original fraud transactions. 

Reference Prior Case : CFPB Complaint ID XXXX That case is not resolved and should not be considered closed. 

I reported XXXX unauthorized debit card transactions from the same merchant and date. Instead of treating them as a single fraud event, the bank improperly split the case and came to inconsistent conclusions using different standards on identical charges. They approved {$100.00} as fraud but denied the XXXX {$210.00} charges solely based on merchant documentation showing delivery to my address and two-factor verification via text. A criminal possessing my personal information and access to SMS does not constitute my authorization under 12 CFR 1005.11.

The banks investigation did not : Determine whether I actually authorized the transactions Consider how my personal data or SMS access was compromised Consider my identity theft history or my police report Apply consistent standards to identical fraudulent transactions Instead, the bank used improper criteria such as whether the merchant verified information and whether the merchant refused to refund, which is not allowed under Regulation E. The bank explicitly stated that if the merchant will not provide credit, the bank will not take the loss. That reveals that they assigned liability to me based on merchant reimbursement, not based on whether I authorized the charges. 

As a result of their non-compliant investigation, provisional credits were reversed and my account was left overdrawn, causing additional harm. I remain held financially responsible for fraud. 

I am requesting that CFPB require First Commonwealth Bank to : Reopen and properly investigate both {$210.00} charges Apply proper authorization standards to all three identical fraud transactions Restore the provisional credits during reinvestigation as required Fix my account balance so I am not paying for fraud losses I can provide all supporting documents including the police report, dispute form, bank letters, and merchant evidence used against me. 

This complaint should remain open until First Commonwealth Bank complies with Regulation E and relieves me of the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
When I signed up for XXXX XXXX XXXX, the technician told me that if I moved within a year, I would be able to cancel my service and return the equipment. That turned out to be false. XXXX later required me to pay off the equipment financing before canceling, which made no sense since I no longer wanted the service or the equipment ( touchscreen display, door sensors, and doorbell camera ). 

After XXXX year, I moved because the neighborhood was unsafe. My brothers car was stolen outside the house, and the XXXX doorbell camera failed to capture the incident. The system did not provide the promised protection. 

When the XXXX service technician came to remove the equipment, I explained that I wanted to cancel my subscription and return the equipment. He told me he could not cancel the subscription himself, so we called customer service together. The representative on the phone was rude, and even the technician was surprised. That representative told me I did not need to pay XXXX  anymore because the equipment was unplugged, and that I should only pay XXXXXXXX XXXX for the financing, which I did in full. 

Despite this, XXXX is now claiming I owe around {$740.00}. This is incorrect. The only charge ever mentioned was {$120.00} for equipment removal, but I have an email confirming that the removal fee was waived. In addition, in a later transcript, XXXX confirmed that they could not charge me monthly fees because the equipment was unplugged, and they removed all charges except the {$120.00} ( which was waived ). 

This debt is invalid. I fulfilled my obligations by paying off the XXXX XXXX financing, the equipment was never used after removal, and XXXX own representatives confirmed that no monthly charges should apply. I am requesting that this debt be removed from collections, corrected in XXXX records, and deleted from any credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CO

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: American Financial Resources, Inc.
State: MA

Complaint narrative:
My loan was originated with XXXX XXXX. On XX/XX/XXXX I got notification that the loan would be transferred to a new servicer however the letter that was sent to me from XXXXXXXX XXXX  did not include any new information on who would be servicing our loan. The lines for that information were left blank. I called XXXXXXXX XXXX to make a mortgage payment on XX/XX/XXXX and notified them the letter was blank and requested the information. When it came time to make my XXXX payment, I requested the information again for the servicer that would be taking over my loan in XXXX. I was given the name of the servicer and a number to call verbally on XX/XX/XXXX. The new servicer would be American Financial Resources. I called the number and it went straight to voicemail. I left a message requesting a call back. I left additional messages on XX/XX/XXXX and XXXX. I have yet to recieve a call back. My significant other is also listed on the loan and never received any information about the transfer. He called and left messages for a call back at the same number provided. We have not heard from American Financial Resources at all. At this time I have a mortgage payment due so I mailed a check to the address for American Financial Resources provided by XXXX XXXX  the check has not been cashed. I have no way of accessing any information regarding my mortgage including payments, balance, etc. My mortgage is now late. I have no way of seeking any resolution and am being negatively impacted by their lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
b'DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C.  1681i(a), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification (MOV) under 15 U.S.C.  1681i(a)(7). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C.  1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau (CFPB) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C.  1681i(a)(5) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C.  1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. \n\nHere is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved: \n\nAccount NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
As of XXXX XXXX the vehicle was repossessed. Since then the company credit Acceptance has been reporting late payments. I have called all this year XXXX telling them I no longer have this car please correct there reporting. They refuse saying they show I still have the car. They even sent a settlement of XXXX to clear it up. The total amount reporting owed is 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