vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
I contactedXX/XX/XXXXExperian,XX/XX/XXXX and CFPB advising that 2 companies have attempted to collect a debt from me that I do not owe. The debtor is XXXX XXXX XXXX XXXX. XXXX went as far to file against me in XXXX XXXX. I have no business either company. I asked for documents with my wet signature from them stating that I have entered to a business contract with them or a signed agreement from any other company with my express written consent to share my personal and financial information with either XXXXXX/XX/XXXXI was not provided anything of the such. I was mailed a theft affidavit. I have no business with this company and do not feel comfortable providing them any information other than requesting documents they have to validate that I owe them any funds.

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 2025-06-24 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> I am demanding that this inquiry be investigated and removed from my credit report immediately, as I did not authorize any of this inquiry, and this is adversely affecting my credit score.

According to Section 611 of the FCRA, you have 30 days to investigate and respond to my dispute. If you can not verify the legitimacy of this inquiry, that must be promptly removed from my credit report. I expect written confirmation of their removal.

Please note that failure to comply with the FCRA may result in legal action, including actual damages, punitive damages, and attorney 's fees. 
Thank you for your prompt attention to this matter.

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 2025-06-24 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: CA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-24 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: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Bounce AI , Inc. for reporting a debt that does not belong to me and continuing to pursue collection efforts despite my dispute. 

Bounce AI claims I opened a line of credit with XXXX XXXX XXXX, originated by XXXX XXXX XXXX on XX/XX/year>. I have no memory or record of applying for or authorizing this account, and I did not knowingly enter into any contract or agreement with XXXX XXXX XXXX XXXX, or Bounce AI. 

They have provided a document with what they claim is an electronic signature from me, but I did not authorize or sign anything knowingly, nor was I ever contacted for identity verification. They allege they sent me text and mail notices, but I never received any communication until this account showed up on my credit report. 

Further, Bounce AI claims a payment of {$1.00} was made on XX/XX/year> I did not authorize or make this payment, and I have no financial records indicating such a transaction. 

This account is now negatively impacting my credit, and I demand that : Bounce AI remove all negative reporting from my credit file across all bureaus XXXX XXXX XXXX and XXXX  ), Provide verifiable proof ( IP address, device ID, signed contract, and identity verification records ) that I authorized this account, Cease all collection activity unless they can validate this debt with irrefutable evidence. 

They have failed to prove the legitimacy of this debt and are instead relying on vague documentation and a contract I never saw or agreed to. If this debt was fraudulently opened in my name, I will proceed with filing an FTC Identity Theft Report and a police report to protect myself. 

Bounce AIs continued reporting of this debt is causing undue harm to my creditworthiness and emotional distress, and I ask the CFPB to intervene to ensure this matter is resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
After satisfying all 72 payments as stated in their Retail Installment Sales Contract with the last one made on XX/XX/year>, Kia Finance America still states that I owe them an additional {$1000.00} for the payoff of the vehicle as of this writing ( XX/XX/year> ). The installment agreement states a total of {$31000.00} which includes the total principal plus interest to be be paid ; I paid in a total of {$32000.00} on the loan. Clearly, one can see the gross overcharges that Kia assesses on their loans. Granted, though, there were times when double payments were made over the years to get the account current. Yet, each time the appropriate principal part from those payments were not applied correctly to the remaining balance of the loan. As a result, the aforementioned discrepancy accrued. 

Since last month with the latest being today I have tried numerous times in contacting Kia about this matter yet each time I either fall on deaf ears or I endlessly get transferred between departments without a resolution.

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 2025-06-24 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXX  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 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 2025-06-24 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: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-06-24 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of th
is title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 a
ntedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a cons
umer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AL

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 2025-06-24 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:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-06-24 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: AZ

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : URGENT NOTICE DEMAND FOR DELETION OF FRAUDULENT ACCOUNT UNDER MULTIPLE FEDERAL LAW VIOLATIONS Re : Fraudulent Account - XXXX XXXX Account Number : XXXX Experian Report ID : # XXXX Amount : {$3200.00} ( charged-off ) Dear Experian Dispute Department, I am writing to notify you of your continued and willful violation of federal consumer protection laws by maintaining and reporting an account that is fraudulent, unauthorized, and previously DELETED by XXXX. You are legally obligated to ensure accuracy and integrity in consumer credit reporting, and your continued reporting of this account constitutes reckless disregard for the law. 

This account, opened on XX/XX/year>, was not authorized by me, and I have never had any business relationship with XXXX  This is identity theft and consumer fraudXXXX XXXX has already investigated and permanently removed this account from my credit file. I am attaching the XXXX deletion confirmation as PROOF of prior investigation and resolution. 

VIOLATIONS OF FEDERAL LAW BY EXPERIAN You are in violation of the following laws by continuing to report this fraudulent and unauthorized tradeline : Fair Credit Reporting Act ( FCRA ) 1. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy You are reporting inaccurate and fraudulent information that has been proven false. This is a direct violation of your duty to verify the accuracy of information reported. 
2. 1681i ( a ) Failure to Reinvestigate After Dispute You failed to conduct a proper reinvestigation or remove the item within the 30-day timeframe after receiving disputes and documented proof of identity theft.

3. 1681s-2 ( b ) Failure to Block/Update After Notice from Furnisher XXXX was notified of this identity theft and did not validate the account, yet Experian continues reporting it a joint violation.

4. 1681c ( a ) ( 4 ) Reporting Obsolete or Inaccurate Information Continuing to show a delinquent balance on a known fraudulent account is willful misreporting.

Fair Debt Collection Practices Act ( FDCPA ) If Experian partners with collectors 1. 807 ( 8 ), 809 Misleading Representation of Debt Experian and any third parties involved are misrepresenting a debt that I do not owe this constitutes false representation. 
Consumer Financial Protection Act ( 12 USC 5531 ) 1. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Experians refusal to remove a proven fraudulent tradeline despite clear notice and proof constitutes a deceptive and abusive practice punishable under Dodd-Frank.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: WA

Complaint narrative:
Okay chime bank I had bought something off XXXX XXXX XXXX paid in full I had money left over but now about 10 transactions later they are trying to say I owe them {$140.00} when that wouldnt make sense because in my bank you can see that I paid in full than I used my charged serval times after and I even added money to the account so they are trying to scam me out of {$140.00} that shouldnt be there

Company response to consumer: Closed with explanation