vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: Bounce AI, Inc.
State: FL

Complaint narrative:
Regarding : Complaint ID XXXX Creditor : Bounce AI , Inc . 
Reference : XXXX Account Number : XXXX Dear CFPB, I am writing to dispute the response provided by Bounce AI, Inc. dated XX/XX/XXXX, regarding the alleged debt referenced above. Bounce AI , Inc. claims to have " purchased all rights, title, and interest to this debt from XXXX XXXX XXXX '' on XX/XX/XXXX. However, their response fails to provide any verifiable evidence of this purchase, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Without such proof, Bounce AI , Inc. has no legal authority to collect this debt or report it to my credit file, and I demand that they either provide conclusive documentation or immediately delete this item from all credit reports. 

In my initial complaint, I requested validation of the debt, specifically proof of Bounce AI , Inc. 's legal right to collect on this account. While Bounce AI , Inc. provided a copy of a Line of Credit Agreement, they have failed to substantiate their claim of ownership with a chain of title, purchase agreement, or any other legally binding document proving the transfer of the debt from XXXX XXXX XXXX to Bounce AI , Inc . Under FDCPA 1692g ( b ), debt collectors must provide proper verification of the debt, including documentation establishing their legal authority to collect. A mere statement claiming purchase is wholly insufficient and does not meet the legal standard for validation.

I demand that Bounce AI, Inc. provide the following to the CFPB : A complete chain of title or a legally binding purchase agreement unequivocally proving that Bounce AI , Inc. acquired the debt from XXXX XXXX XXXX on XX/XX/XXXX, as claimed. 

A detailed accounting of the debt, including a clear breakdown of how the current balance of {$18000.00} was calculated, specifying principal, interest, and fees. 

If Bounce AI , Inc. can not provide this documentation, they must immediately cease all collection activities and delete this account from my credit file, as required by FDCPA 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). The FCRA obligates debt collectors to ensure the accuracy of reported information, and without proof of ownership, any reporting of this debt is inaccurate and must be removed. Failure to provide this evidence or delete the item violates my consumer rights and constitutes a breach of federal law.

I urge the CFPB to compel Bounce AI , Inc. to either produce the requested proof of debt ownership or permanently delete this account from all credit bureaus. Thank you for your assistance in enforcing my rights under federal law. I look forward to your intervention to ensure Bounce AI , Inc. complies with these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CO

Complaint narrative:
Spoke with XXXX at IQ data about a previous unpaid rental lease. Per XXXX XXXX the joint account has a balance of XXXX. When speaking with XXXX he stated i owed XXXX. I then tried to update my information and discuss my payment options. I told XXXX i was trying to create an account with IQ data so that i could pay the debt online. I also requested a lowered lump sum amount to close the account of XXXX. He denied that amount and then stated i was unable to create an account online to pay the debt. He then stated the pay off must be in full in order to remove from my report. He then calculated that i must pay XXXX for the next 3 months totaling XXXX which is more than the current XXXX that is being reported as owed. I then asked could i speak with the other joint account holder XXXX became aggressive and stated that was not his issue. He became aggressive and threated to take the entire XXXX with my new income. Before we could come to an agreement he became aggressive again stating " good luck with that '' and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> To Credence Resource Management, I am writing to formally dispute an item on my credit report that I believe is inaccurate. The item in question is a collection account listed by XXXX XXXX XXXX or a third-party agency acting on their behalf. Creditor : Credence Resource Management Account Number : XXXX Reported Balance : {$2400.00} Date Opened/Reported : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
Equifax lowered my XXXX score for no reason. They keep making excuses for lowering the score. The can't provide an intelligent reason that passes the smell test.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
Hello, I'm writing to file a complaint about a student loan that I didnt know I had. The loan was from Edfinancial Services and it hurt my credit score. I was only in college for XXXX semester and then I withdrew. I never got any emails or letters about needing to pay a loan. 

Later, I found out that the loan became past due and was reported to the credit bureaus. This really surprised me because I had no idea I even owed money. When I contacted Edfinancial, they told me they had been sending emails to the wrong email address : XXXX instead of my correct one : XXXX. Because of that, I never got the notices and didnt know I had to make payments. 

As soon as I found out about the loan, I paid the full withstanding amount ( {$310.00} ) on XX/XX/year>. I also asked them to remove the negative report from my credit because it was a mistake, but they said they couldnt do that unless I met certain conditions, which I dont. 
Now I have bad credit for something I didnt even know about and couldnt stop. This is very unfair, and its hurting me when I try to apply for things like a car or an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account Number XXXX Balance : {$490.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX Balance : {$460.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$550.00} Open Date XX/XX/XXXX XXXX Account Number XXXX XXXX : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX  Balance : {$200.00} Open Date XX/XX/XXXXXXXX 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} DOE XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} DOE XXXX - Account Number : 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 Date Opened : XX/XX/XXXX, Balance : {$570.00} Inquiries XXXX XXXX Date : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} DOE XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} DOE XXXX - Account Number : 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 Date Opened : XX/XX/XXXX, Balance : {$570.00} Inquiries XXXX XXXX Date : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Money was sent using PayPal to compensate me for a rental car after an individual named XXXX XXXX broke my passenger side mirror and dented my passenger side door. 

PayPal allowed the individual to dispute the charge and refunded the individual after being provided full context including that XXXX did not send enough to cover the rental car. 

Now they will not allow me to close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK
State: AZ

Complaint narrative:
I am submitting this statement to formally notify the Consumer Financial Protection Bureau ( CFPB ) that my personal and financial information was compromised as part of a data breach involving CFPB, which I have reason to believe has led to fraudulent and inaccurate information being reported on my credit file. 

I was notified that my sensitive information including my full name, Social Security number, address, phone number, and possibly banking or credit details was exposed in the breach. Since that time, I have observed several unauthorized accounts and negative marks ( including charge-offs and collection accounts ) that I did not open, authorize, or use. These inaccuracies have caused significant damage to my credit profile, and I am now facing consequences for accounts I am not legally responsible for. 

I have taken steps to protect my identity and mitigate further damage, including : Filing an FTC Identity Theft Report Placing a fraud alert on my credit file Reviewing all three of my credit reports for suspicious activity I am requesting that the CFPB take appropriate steps to compel credit reporting agencies and data furnishers to : Delete any accounts and negative items resulting from the breach Cease any collection activity related to the fraudulent entries Provide written confirmation of the resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am submitting this statement to formally notify the Consumer Financial Protection Bureau ( CFPB ) that my personal and financial information was compromised as part of a data breach involving CFPB, which I have reason to believe has led to fraudulent and inaccurate information being reported on my credit file. 

I was notified that my sensitive information including my full name, Social Security number, address, phone number, and possibly banking or credit details was exposed in the breach. Since that time, I have observed several unauthorized accounts and negative marks ( including charge-offs and collection accounts ) that I did not open, authorize, or use. These inaccuracies have caused significant damage to my credit profile, and I am now facing consequences for accounts I am not legally responsible for. 

I have taken steps to protect my identity and mitigate further damage, including : Filing an FTC Identity Theft Report Placing a fraud alert on my credit file Reviewing all three of my credit reports for suspicious activity I am requesting that the CFPB take appropriate steps to compel credit reporting agencies and data furnishers to : Delete any accounts and negative items resulting from the breach Cease any collection activity related to the fraudulent entries Provide written confirmation of the resolution

Company response to consumer: Closed with non-monetary relief