vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-31 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accou
nts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX -- Account number : XXXX XXXX -- Account number : XXXX 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 any 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 of 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 non-monetary relief
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accou
nts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX -- Account number : XXXX XXXX -- Account number : XXXX 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 any 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 of 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 2025-10-31 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accou
nts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX -- Account number : XXXX XXXX -- Account number : XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI keeps sending the same set of documents from XXXX XXXX. Those papers only show the original loan details, not any proof that I personally signed or agreed for Bounce AI to have my personal or financial information. There is no wet signature or any authorization form that ties me to Bounce AI. 

If XXXX XXXX had a valid agreement with me, that does not automatically give Bounce AI permission to access, store, or report my information. Bounce AI is a third party, and they have not provided anything proving they were legally assigned or given consent by me to handle this account. 

Reusing the same loan packet from the original creditor is not validation. I am not asking them to prove the original loan existed ; I am asking them to prove they have my permission to collect, use, or report my personal information. They have failed to do that each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this erroneous account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified as accurate, they should be removed.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
i took out my initial loan while i was XXXX XXXX or recently released from duty and paid it off in full being forced to take out another loan to pay it due to rates. at the time i was unaware about the Military Lending Act. i tried correcting the issue but i was ignored and my loan was simply partially refunded which was not my request under the MLA. due to their willful deception i have been forced to revisit the situation realizing i am due a refund of all interest ever paid to them under MLA because the contract was void from inception due to my XXXX XXXX service and then after as a dependent to an XXXX XXXX member. i have requested all documents related to my credit and social but they have yet to respond. i have already requested and immediate refund of all interest or payments starting from the very first loan amount in XXXX. I will attach my XXXX, the contract, my husbands orders, and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I ordered an item on XXXX from XXXX, XXXX refused to help me so I had to open a chrageback dispute with the bank. They told me the process could take up to 90 days to resolve and within 10 days I should receive a provisional credit XXXX a branch manager told me that & XXXX a dispute manager also told me that. I have been lied to numerous times, promised a call back numerous times but instead I have gotten nothing from this bank but a headache. The branch location is XXXX XXXX XXXX, XXXX XXXX, Ky XXXX & the telephone number is XXXX. I want them to not lie to me & actually help me and do what they said they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i requested on their app for the payoff quote which was presented as XXXX i paid this amount so i was expecting this to be done. 

On XX/XX/XXXX i saw that they were going to take out XXXX for the Payment due on XX/XX/XXXX. 
I called them asking why this is on my account if i paid off the loan. They responded with oh well there is a glitch in the app so it gave you the wrong amount. This is NOT my problem that was on them they need to fix this issue. Later in the day i saw the total amount was XXXX but when i asked for a payoff quote again it said XXXX. I called them to ask why there is two different amounts after a a whole conversation of no help at all or explanation the lady proceeded to tell me i can pay it off today for XXXX despite not being able to explain to me why there were 3 diff quotes i paid it and request a document saying i paid it off. She proceeded to tell me " our process takes XXXX days ''. This is now the 3rd different amount they have given me. If it was still XXXX imagine the completely different amounts these would be. 
Now i received another email with a payoff amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and misleading information being reported on my credit file by the credit bureaus and furnishers listed below. These errors are negatively affecting my credit score and financial reputation. Despite my attempts to correct the issues directly with the credit bureaus, the inaccuracies remain unresolved. 
The following addresses are being incorrectly reported as mine and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX I have never lived at nor been associated with any of the above addresses. Please delete these from my credit file as they are inaccurate and misleading. 
In addition, I am disputing the following account information : XXXX  XXXX XXXX XXXX  Account No. : XXXX Open Date : XX/XX/XXXX Reported Issue : Late Payment Dispute Reason : This late payment reporting is incorrect. I have never made a late payment on this account, and your records are inaccurate. Please review your data and update the account history to reflect all on-time payments. 
XXXX XXXX XXXX Account No. : XXXX Open Date : XX/XX/XXXX Reported Issue : Late Payment Dispute Reason : This information is incorrect. I have never made any late payment on this account. Please conduct a full investigation with the furnisher and correct the payment history immediately. 
My Request I am asking the CFPB to investigate these reporting errors and require the credit bureaus and furnishers to : 1. Delete the wrong addresses from my credit file.

2. Correct or remove the inaccurate late payment records from XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 
3. Provide proof of verification or documentation supporting their continued reporting of these items. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they represent unverified, misleading, and damaging information being reported to the credit bureaus. 
I respectfully request the CFPBs assistance in ensuring these errors are fully investigated, corrected, or deleted. 
Thank you for your time and support in protecting consumers like myself from inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( XXXX ). I request a full investigation and removal of any entries that can not be verified with proper documentation. 
Accounts in Dispute XXXX. XXXX XXXX [ Account Number ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( inaccurate reporting ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ). 
XXXX. XXXX XXXX XXXX $ [ Balance ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( inconsistent payment history ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ) ; Reg V XXXX XXXX ) ( failure to comply with proper account status fields ). 
XXXX. XXXX XXXX XXXX $ [ Balance ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( incorrect payment history ) ; FCRA 623 ( b ) ( 1 ) ( C ) ( failure to correct inaccuracies after being informed ).

4. XXXX  [ Account Number ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( data discrepancies across bureaus ) ; FCRA 611 ( a ) ( failure to verify ) ; FDCPA 807 ( 8 ) ( false representation of debt status ). 
5. XXXX XXXX XXXX $ [ Balance ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( failure to ensure accuracy of account status ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate after dispute ).

Legal References & Basis for Dispute 1. FCRA 607 ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information.

2. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate.

3. FCRA 623 ( b ) ( 1 ) ( C ) : Requires furnishers to correct any inaccurate information within 30 days after being notified of a dispute.

4. FDCPA 807 ( 8 ) : Prohibits collectors from reporting false or misleading information about a debt.

5. Reg V ( XXXX ) : Mandates that CRAs must report accurate status codes and update account information following dispute resolutions.

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 2025-10-31 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: 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 2025-10-31 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: IL

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 2025-10-31 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: DE

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 2025-10-31 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: DE

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