vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year>2025 Bounce AI XXXX XXXX XXXX NY XXXX Subject : Request for Debt Validation Dear, Bounce Al Inc I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of the debt you claim I owe. This request is made to ensure that the debt is accurately reported and that I am liable for the amount stated.

Please provide the following information : The amount of the debt you claim I owe. 
The name of the original creditor and the account number related to this debt. 
A copy of the original signed contract or a statement from the original creditor showing I am responsible for the debt. 
A detailed breakdown of how the debt amount was calculated ( interest, fees, etc. ). 
Proof that you are authorized to collect on this debt, including proof of assignment or purchase of the debt from the original creditor. 
Please be advised that under the FDCPA, you are required to provide this validation within 30 days of receiving this letter. If you are unable to validate this debt, I request that you cease all collection efforts and remove any reference to this debt from my credit report. 
Please send all correspondence related to this matter in writing. 
Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: DC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
account information is not mine on my credit report. submitted several disputes with the credit bureaus and they have not provided me proof that the accounts are mine and proof of the investigation. the information should be removed. i tried to dispute again and the bureaus are blocking me from disputing the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I saw an ad on XXXX regarding XXXX XXXX XXXX and helping with a tax bill. I owe the IRS over {$50000.00} and they told me for {$500.00} they could help me. This was in XXXX of this year. I was unable to generate the money to pay them and they kept calling and calling and calling me until one day I answered and I was talking to them and they told me that I could get on an installment plan. The installment plan was supposed to have been for {$200.00} a month and I agreed to that and the representative told me that was fine. He said he was going to send me over some paper so that they could get started on my case. In that Paperwork I assumed because he told me that it was just so they could get started and talk to the IRS was something from a company that I now know is XXXX XXXX. They took a loan out from them for {$8500.00}. I received an email from XXXX about a {$8500.00} loan that I will start repaying XXXX some dollars on XX/XX/XXXX. I immediately contacted them and told them I did not want any parts of that because who is XXXX I didnt have anything to do with them because The way my financial situation is if I was going to take out a {$8500.00} loan it wouldve come directly into my pocket and not into a company pocket. I contacted XXXX and told them that I did not want this loan and I was told that I had to get XXXX XXXX choice to cancel this loan. I got XXXX XXXX choice to notify them too that they would refund the money to them and they said that XXXX refused to receive the money back because of a contract that I had with them that I did not even know I had with them. If they have followed the procedures that I have on my credit report, which is an extended seven year fraud alert then they wouldve contacted me at that phone numbers that are listed on there, which are up-to-date. I would have been asked if I was trying to open up a line of credit With their financial institution according to the procedures that have been done whenever I have actually opened up any kind of Loan in the last seven years. None of these things happen and they just open the account. I googled and found that financial institutions are required. Whenever there is a fraud alert on the credit bureaus and I have one on all three of the major credit bureaus to contact me before Extending a line of credit. I really need help with this situation because Ive just gotten in my credit on track and theyre reporting to the credit bureau these things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Summary of Events : XX/XX/XXXX : I initiated an ACH transfer of {$3000.00} from my Money Network debit card to my credit union, XXXX XXXX ( XXXX ). 
XX/XX/XXXX : Upon noticing the funds had not posted to my XXXX account, I contacted Money Network and was advised that transfers may take XXXX business days. 
XX/XX/XXXX : I contacted XXXX again and was informed that the account number used was invalid for ACH transfers. Per their policy, the funds were returned to the sender. 
XX/XX/XXXX : With the funds still missing, I submitted a formal dispute request to Money Network. 
XX/XX/XXXX : My dispute was denied, despite confirmation from XXXX that the funds were returned to sender. 
This situation has resulted in a significant hardship, as the funds in question were XXXX payments intended for essential living expenses. Both financial institutions have failed to take responsibility, leaving the funds in limbo. 

Status updates have been requested by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : no response. 

In XXXX of XXXX a certified letter was mailed to the dispute resolution of Money Network to no effect : no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
i asked them to correct personal information that is being displayed on my credit report and sent copy of ID, social security card and bank statement as proof of address on XX/XX/year> and i didnt see anything or hear anything back from them concerning the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: RI

Complaint narrative:
Monterey Financial Services has been withdrawing {$42.00} every month from my checking account for an account I never opened. They claim the account was created to purchase a necklace. I have never purchased such an item, and I live alone. 

I contacted Monterey Financial Services multiple times by phone ( including in XXXX of this year ) to dispute the charges. During those calls, I informed them that this account was fraudulently opened using my minor sons Social Security number. He is only XXXX years old. I did not authorize this account and I did not give anyone permission to use my sons information. 

Despite notifying the company, they have continued to withdraw money from my account each month. I am requesting that the CFPB take action to stop these unauthorized withdrawals and hold Monterey Financial Services accountable for allowing an account to be opened under stolen identity information. 

This is a case of identity theft and fraudulent account creation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
In XX/XX/year>, I noticed that my federal student loans were reported as 180 days late immediately following the end of the COVID-19 forbearance period. I did not receive adequate notice from my servicer that payments were resuming. As a result, 10 student loan accounts were marked delinquent simultaneously, which caused my credit score to drop by nearly XXXX points. 

Once I became aware of the issue, I immediately contacted Nelnet to bring my account current and began the process of consolidating my loans into a Direct Consolidation Loan. I have acted in good faith to resolve this matter and requested that the negative reporting be reversed. However, the delinquencies remain on my credit reports. 

I believe this reporting is inaccurate and unfair. It does not reflect my repayment intentions or my prompt efforts to correct the situation through bringing my loans current and initiating consolidation. These late marks are causing significant harm to my credit profile and directly affecting my ability to qualify for a mortgage. 

I respectfully request that the delinquency reporting be corrected or removed from my credit reports to more accurately reflect my repayment history and current account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there was a fraudulent account on my report. Please remove these accounts from my report as they are hurting my ability to obtain 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Someone use my account information and fraudulently withDrew {$12000.00} from my account without my permission. I immediately filed a dispute, but the bank came to a decision less than seven days before I could submit my police report so they would not give me provisional credit on purpose, after receiving my police report, they have taken extremely long to process my dispute and to give me my money back. I really need my money as soon as possible and Ive waited long enough well over a month. I should have been given a provisional credit during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-30 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights Under, 15usc1681-section 602 states I have the right to privacy. 15usc-1681- section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Capio Partners, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights Under, 15usc1681-section 602 states I have the right to privacy. 15usc-1681- section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief