vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: National Credit Systems,Inc.
State: OK

Complaint narrative:
There are 4 collections showing on my account XXXX. XXXX XXXX XXXX {$8300.00} Opened XX/XX/year> ( XXXX XXXX ) 2. National Credit XXXX {$5900.00} Opened XX/XX/year> ( XXXX XXXX ) XXXXXXXX XXXX XXXX {$500.00} Opened XX/XX/year> ( XXXX  ) XXXX. XXXX XXXX XXXX  {$250.00} Opened XXXX XXXX XXXX ( XXXX XXXX XXXX ) All of the accounts listed above are fraudulent accounts that do not belong to me. I have never ever done any business with any of these individuals listed above. Upon research it shows that all of these accounts are located in XXXX XXXX. I do not and have not ever lived in XXXX XXXX. I live in XXXX XXXX  also the creditors have listed my name as XXXX XXXX XXXX which is the same name used to establish these fraudulant accounts my name is not XXXX XXXX XXXX it is XXXX XXXX XXXX. I am requesting that these debtors provide proof that this was me and verify the identification method used to establish these accounts and ask the apartments to provide proof and compare names, signatures, addresses, pictures. If they are unable to proove accuracy then the debt should be removed immediately these accounts are appearing on my XXXX XXXX XXXX XXXX XXXX The debts has lowered my score dramatically. There is an active police report in place and a fraud alert a freeza and a XXXX XXXX alert in place including a statement to prevent any further fraudulant activities companies are being asked to call before establishing credit to be sure that it is actuall me that is opening up the account. I have attached my license that can be used to compare with any fraudulant documents and I have attached my social that shows my correct name, I have included a police report that describes the incident in detail, and I have included my home insurance as verification of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Bounce AI, Inc.
State: OK

Complaint narrative:
There are 4 collections showing on my account 1. XXXX XXXX XXXX {$8300.00} Opened XX/XX/year> ( XXXX XXXX ) 2. XXXX XXXX XXXX {$5900.00} Opened XX/XX/year> ( XXXX XXXX ) 3. Bounce AI {$500.00} Opened XX/XX/year>XXXX XXXX XXXX ) 4. XXXX XXXX Collections {$250.00} Opened XXXX XXXX XXXX ( XXXX XXXX XXXX ) All of the accounts listed above are fraudulent accounts that do not belong to me. I have never ever done any business with any of these individuals listed above. Upon research it shows that all of these accounts are located in XXXX Texas. I do not and have not ever lived in XXXX Texas. I live in XXXX Oklahoma also the creditors have listed my name as XXXX XXXX XXXX which is the same name used to establish these fraudulant accounts my name is not XXXX XXXX XXXX it is XXXX XXXX XXXX. I am requesting that these debtors provide proof that this was me and verify the identification method used to establish these accounts and ask the apartments to provide proof and compare names, signatures, addresses, pictures. If they are unable to proove accuracy then the debt should be removed immediately these accounts are appearing on my XXXX XXXX XXXX XXXX XXXX. The debts has lowered my score dramatically. There is an active police report in place and a fraud alert a freeza and a active duty alert in place including a statement to prevent any further fraudulant activities companies are being asked to call before establishing credit to be sure that it is actuall me that is opening up the account. I have attached my license that can be used to compare with any fraudulant documents and I have attached my social that shows my correct name, I have included a police report that describes the incident in detail, and I have included my home insurance as verification of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cash App withdrew {$20.00} from my balance to repay a Borrow loan without notice or my consent. I urgently needed those funds for essential transportation costs as Im returning to work. I attempted to resolve this with Cash App support, but was told no refund is possible for chat bot even though I never manually initiated this repayment. I would like this payment reversed or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
So I took a payday loan from XXXX XXXX  a few months ago and I couldnt pay it back so after a few weeks i was sent to collections. I was completely unaware that I was sent to collections until I saw my credit score tank and saw a collections balance added to my debt. The total is {$310.00} which I think is a ridiculous amount to even send some to collections for. The original amount I took out was {$250.00} so Im unsure where the rest of the money came from. Ive gotten consistent calls from random number which Im unsure if its them because they never leave a voicemail. Plus everytime Ive called there already closed. It also doesnt give me an option to try and pay it online. Its getting frustrating because I want to get my credit up and this is one of them holding me back!! Also very sketchy for the site to have a disclaimer how they collect personal info but, you have no option to just accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: WV

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 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.

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

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 2025-05-17 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: GA

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 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. 

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

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
A {$300.00} unauthorized charge on my credit card was made by an individual who had unauthorized access to both my email and XXXX account on XXXX. This person purchased a {$300.00} gift card from XXXX using my credit card and immediately transferred the balance to another account. JP Morgan Chase Bank claimed to provide protection with a 'Zero Liability Fraud Protection Policy ', but now refuse to uphold their promise and accuses me of receiving benefits from this fraudulent purchase. I have filed a police report, reported the incident to XXXX and XXXX. XXXX Order XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Police Report XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
They reporting fraudulent inaccurate information on my credit report they wrote in response before account was opened XX/XX/year> the payment wasnt due until 45 days but reported on my credit report XX/XX/year> charger off. They keep reporting inaccurate information on my credit report multiple time.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They reporting fraudulent inaccurate information on my credit report they wrote in response before account was opened XX/XX/year> the payment wasnt due until 45 days but reported on my credit report XX/XX/year> charger off. They keep reporting inaccurate information on my credit report multiple time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX  credit has violated my right. 
15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681 section 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION

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 2025-05-17 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: MI

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 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. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MI

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 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. 

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

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 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
have reported my account as fraud due to practices that Momnt has conducted along with XXXX XXXX. This account has been opend fraudulently, whereas I have not recieved goods or services for the loan that you are requesting payment. Recently you have reported to credit bureau ( s ) that I haven't made payments to such loan, which I demand immediately that you no longer report this loan as my responsibility and remove from my credit report. 

Per your own loan practices listed below ; you have conducted practices against your own agreement with outside vendors, which allow your borrowers to be subject to fraud. This lack of oversight has allowed people to be taken advantage of and fraudulenty responsible for loans that they never submitted or never recieved goods or services ; you are liable for damages that have occured due to your firms lack of oversight and predatory practices. 

Request immediate response XXXX, XXXX XXXX, AND Momnt appear to have violated their own agreement. As I understand, the XXXX XXXX, this cancels/voids customer loans and contracts. 
( link to merchant agreement- ) https : //www.momnt.com/merchant-agreement * Especially note these sections : XXXX Obligations and Responsibilities : ( b ) Compliance Responsibilities. ( 1 ) Consumer Protection Laws. ( 2 ) XXXX. ( d ) XXXX XXXX ( XXXX ) Notices or Inquiries. ( XXXX ) Complaints. 

6- Representation and Warranties : ( a ) & ( b ) 7-Term, Suspension : ( a ) ( b ) and ( d ) 8- Reserve Account ; Chargebacks and Refunds 14- Indemnification ; Related Matters. 

XXXX Dispute XXXX & XXXX : ( d Respecfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

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 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.

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

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 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Complaint Explanation to the CFPB Subject : Missing Refund Check for Unused Money Order from Western Union In 2024, I purchased a Western Union money order from XXXX in the amount of {$300.00}. The serial number of the money order is XXXX. Due to not using the money order, I submitted a refund request to Western Union, which was acknowledged and processed by them. 

Western Union later informed me that a refund check had been mailed to me ; however, I never received that check. I followed up with them to report the missing check and requested that a new one be issued. Despite multiple attempts to resolve the matter, I still have not received the refund I am rightfully owed. 

This situation has caused me financial hardship and unnecessary stress. I believe Western Union has failed in their duty under consumer protection standards to ensure a secure and reliable refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO closed my credit card account on XXXX XXXX but did not send notice until XXXX XXXX. I was gone from home until early XXXX so did not know of it till then. 
In the meantime, BMO never sent me email alerts, which it had sent before, notifying me of new statements. 
Lastly, upon inquiring as to why BMO closed my account and stopped sending me alerts, the representative refused to answer. The company also will not allow me to redeem the amount of cash back earned.

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 monetary relief
Consumer complaint received 2025-05-17 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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