vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
Experian keep inputting false incorrect information every single dispute and will reverse actions made that were changed correctly after re describing the new or unchanged issues after a continued dispute made new. 

There is a long history of disputes that keep falling short of fully accurate information posting exceeding 3-4 disputes of the same account.

Charges become the newest change and immediately harm my credit score when the charge off needed to remain on the date years prior.

Payment history appears unpaid all the way against a closed settled account that received payments for years. 

Every dispute creates a new dispute and then reverses information or inputs new or more incorrect information making my ability to improve my FICO more difficult then need be and against the actual achievement and progression made personally.

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 2025-07-11 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I am submitting this complaint to report a series of inquiries that have appeared on my TransUnion credit report which I did not authorize, initiate, or consent to in any capacity. The inquiries in question include XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX on XX/XX/XXXX, two separate entries from XXXX both on XX/XX/XXXX, and XXXX  on XX/XX/XXXX. 

These inquiries were not part of any credit application I submitted, and I was not given any notice, disclosure, or opportunity to grant permission prior to these entities accessing my credit file. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b ( f ), no person or entity is permitted to obtain a consumer report unless it is for a permissible purpose and the access is directly related to a legitimate business transaction initiated by the consumer. That did not occur here.

Despite my efforts to dispute these inquiries directly with TransUnion, I was met with automated responses that dismissed my concerns without providing any documentation proving that I authorized these pulls. TransUnion failed to provide any evidence of a signed application or other form of express consent, nor did they show proof of any existing business relationship that would justify these inquiries under FCRA 604. Their failure to remove these entries or substantiate their presence violates their duty to investigate disputed information under 15 U.S.C. 1681i ( a ) and their obligation to maintain reasonable procedures to ensure the accuracy and legitimacy of reported information under 15 U.S.C. 1681e ( b ).

The presence of these unauthorized inquiries has negatively impacted my creditworthiness. As you know, hard inquiries can lower a credit score and create the impression that a consumer is desperate for credit or engaging in excessive credit-seeking behavior. This has resulted in denials from reputable lenders and higher interest rate offers than I would have received if these inquiries had not been present. The reputational harm and stress of having to constantly correct information that should never have been included on my credit file in the first place have taken a severe emotional toll. I am a responsible consumer, and I expect to be treated as suchnot punished for the errors or negligence of companies with unchecked access to my credit report.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, a debt collection agency operating via XXXX, for attempting to collect a debt in Texas without the required state licensing and bonding, in violation of Texas Finance Code 392.101. This unauthorized activity invalidates their collection efforts and may also breach the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair and deceptive practices. I have already filed a related complaint with the Consumer Financial Protection Bureau ( CFPB Complaint ID : XXXX ), where Bounce AI provided documentation but failed to address their lack of Texas compliance . 

Description of the Problem : Bounce AI contacted me on XX/XX/XXXX, to collect an alleged {$1300.00} debt on behalf of XXXX XXXX ( Original Account Number : XXXX ), stemming from a {$500.00} installment loan issued on XX/XX/XXXX. While I dispute the validity of this debt due to cancellation notices I submitted on XX/XX/XXXX, the primary issue here is Bounce AI 's lack of authority to collect in Texas. 

Under Texas Finance Code 392.101, third-party debt collectors must file a {$10000.00} surety bond with the Texas Secretary of State before engaging in any collection activities in the state. Public records, including searches on the XXXX XXXX debt collector database ( XXXX  ), show no bond on file for Bounce AI Inc. or XXXX XXXX Their own website lists licensing in other states ( e.g., South Carolina via XXXX # XXXX ) but does not mention Texas. Similar complaints on XXXX  accuse Bounce AI of unlicensed operations in Texas, and their responses to those complaints claim general compliance without specifying Texas bonding. 

By attempting to collect this debtincluding reporting it to credit bureaus and sending verification noticeswithout proper bonding, Bounce AI is operating illegally in Texas. This could entitle me to remedies such as cessation of collection, invalidation of the debt for collection purposes, damages, and credit report corrections. Their actions have caused undue stress, potential credit damage, and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I opened a XXXX XXXX credit card with Capital One. I have good credit, and no identity problems. They approved me for the credit card. About a week after opening, after putting about {$2000.00} dollars of transactions on the card, they suddenly restricted the account, disallowing me from making further transactions. Upon calling them, they asked for identity documents. I provided the requested identity documents. They gave vague answers on how long the identity verification would take. It has now been 4 days since providing documentation, and there has been no further communication. They also have not indicated that they will extend the period of time granted to receive the sign up bonus for this card. Restricting it in this way with no explanation prevents me from making transactions that count towards the advertised sign up bonus as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Creditor failed to notify me of returned payments and delinquency, denying me a fair chance to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: VA

Complaint narrative:
I requested US Bank to : * Investigate and resolve the fraudulent transaction on my account related to XXXX XXXX # XXXX, as the merchant provided a damaged and incorrect item and refused a full refund. 
* Initiate a chargeback for the full amount of {$1300.00} USD due to the merchant 's failure to deliver the product as described and their unethical refund policy. 
* Provide a clear explanation for their refusal to fully assist me in this dispute, despite clear evidence provided regarding the damaged/incorrect item and the merchant 's fraudulent handling fee. ''

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 2025-07-12 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: PA

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) located in XXXX XXXX, GA took me to court XX/XX/year>. It was COURT ORDERED from XXXX XXXX where he ordered me to pay XXXX XXXX XXXX {$2300.00}. On XX/XX/XXXX, I paid the company a total of {$2300.00} therefore I wasnt obligated to move so I stayed. I move from the apartment complex rount the middle XXXX of XXXX. I've tried to find housing for my daughter and I. Im a single parent doing the best I can. I applied for a government assistant apartment also located in XXXX XXXX, Ga. I called Leasingdesk tenant screening and also Lexisnexis & was told to me that I was denied housing due to the jugdment listed on my consumer report. I WAS NOT EVICTED AND THE MONEY WAS PAID. I have 2 receipts that I could find so far and i also have a light bill that can tell you ive lived there in XX/XX/year> so i couldnt have gotten evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
I reviewed my credit report today as I normally do, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the inaccurate accounts remained visible. Because of this, Im requesting a careful review of the documents Ive provided so I can stop worrying about this problem.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-07-11 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: NV

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I started a dispute with Citi for a transaction dated XX/XX/year>XXXX  for the amount of {$2500.00} from XXXX XXXX XXXX XXXX XXXX XXXX. where I was double charged. they claimed the charge did not go through and they tried charging a couple of times where Citi blocked my card and I had to call them to unlock, so I really though the charge did not go through ( I didn't know until the next day when I saw the charge pending in my app ). I tried to make the payment using my XXXX XXXX credit card and the transaction was declined too. so the merchant tried a lower amount which was {$1300.00} and I had to pay the balance in cash. So I started the dispute with Citi, The first time, Citi rejected my case because I didn't provide a XXXX  XXXX XXXX  statement showing the charge ( monthly statement was not issued yet ), as soon the monthly statement was issued, I provided a copy of it to Citi. after sometime, my case was rejected again for not providing a prove that I tried to communicate with the merchant. I sent them prove that I tried but the email in their social media and XXXX is not correct, and when trying the phone number listed, they answered me once and responded that the transaction never went through and that it was declined, and I was told that a manager will contact me to confirm that, which never happend. when I called after that many times, no one answers. and then I found out the business closed after short time of me being there. It looks to me they conducted many fraudulent transactions before they closed. so at the end, I receive a rejection from Citi that they can't help me because the merchant is not responding and their bank refused to refund the amount disputed. Citi claims that they protect card holder against fraud charges, but when it happens, they are not willing to help. if this case is not resolved, I will have to seek legal action against Citi to recover my loss.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology
State: FL

Complaint narrative:
I am filing a complaint against One Source Technology, LLC dba XXXX  for failing to properly investigate an eviction record that is either inaccurate, outdated, or misreported. I disputed the information but received no resolution. This eviction was filed in XXXX XXXX XXXX ( Case # XXXX ), and I believe it was either misreported, duplicated, or lacking proper verification. This case is over two years old. I attempted to dispute it directly with the screening company, but I either received no response or an unsatisfactory one. The information is outdated, harmful to my rental prospects, and I believe it may be reported inaccurately or unfairly without proper context. I request that the CFPB review this matter and compel the agency to investigate the accuracy of this eviction record under the Fair Credit Reporting Act. If it can not be verified or is incomplete, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been in forbearance since last year which means I don't have to make any payments until next year. XXXX reported that I was over 90 days late in XXXX, which is incorrect. I was in forbearance, and I've been in green/good standing payment history. The company reported the wrong information. I disputed it with them, and they said they will fix the issue immediately. I've reached out to them several times and they still have not updated the information. It's been over a week, and this error is severely messing up my credit score. The company provided me with the documentation that proves I was in forbearance during the dates they claim late payments. I have attached the documents from the Dept of Education which proves I was in good standing and in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been in forbearance since last year which means I don't have to make any payments until next year. XXXX reported that I was over 90 days late in XXXX, which is incorrect. I was in forbearance, and I've been in green/good standing payment history. The company reported the wrong information. I disputed it with them, and they said they will fix the issue immediately. I've reached out to them several times and they still have not updated the information. It's been over a week, and this error is severely messing up my credit score. The company provided me with the documentation that proves I was in forbearance during the dates they claim late payments. I have attached the documents from the Dept of Education which proves I was in good standing and in forbearance.

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