vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NY

Complaint narrative:
I am filing this complaint because Bounce AI is reporting an account on my credit report that is entirely inaccurate and unverifiable. I have no known relationship or account with this company, nor have I authorized any transactions or financial obligations involving Bounce AI. 

I first became aware of this alleged debt through my credit monitoring service ( XXXX XXXX ). The tradeline appeared without any prior notice, communication, or attempt to validate the alleged debt. I have disputed this account directly through the credit bureaus and requested full validation from Bounce AI. As of the date of this filing, Bounce AI has failed to provide any supporting documentation, including but not limited to : the name of the original creditor, original account statements, contract agreements, chain of title documentation, or legal proof that I am obligated to pay any such debt. 

I believe Bounce AIs reporting of this account constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they have failed to conduct a reasonable investigation, failed to verify the accuracy of the information they are furnishing, and continue to report inaccurate data that does not belong to me. 

This inaccurate reporting is causing harm to my creditworthiness and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
CFPB COMPLAINT TRANSUNION Full Name : XXXX XXXX XXXX Date of Birth : XXXX Phone Number : ( XXXX ) XXXX Verified Address : XXXX XXXX XXXX XXXX, GA XXXX SUBJECT : Request for Immediate Deletion of Inaccurate and Damaging Items from TransUnion Credit Report Dear CFPB, I am submitting a formal complaint and dispute against TransUnion for failure to correct and delete multiple inaccurate, unverifiable, and outdated accounts and inquiries on my credit file. These items are causing ongoing damage to my creditworthiness, and I am requesting their immediate removal. 



XXXX. XXXX  XXXX  XXXX XXXX XXXX XXXX  was previously listed on my TransUnion report. It has been verified as dismissed and was removed by XXXX, but TransUnion has failed to remove it. 

I am requesting the immediate deletion of this XXXX from my TransUnion report unless TransUnion can provide a certified copy of the court filing with my name, docket number, and Social Security number. 



XXXX. CLOSED COLLECTION ACCOUNTS A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Account information disputed by consumer Issue : This account was closed but still reports negatively. I have no verified relationship with this debt and request its permanent deletion. 

XXXX XXXX XXXX Reported Balance : {$1700.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Remarks : Collection Issue : This account was closed nearly a year ago. I dispute its accuracy and request it be removed due to lack of validation and continued negative impact. 



XXXX. UNAUTHORIZED OR EXCESSIVE INQUIRIES The following hard inquiries were not authorized by me. These are excessive and affecting my credit standing. 
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 I request these inquiries be deleted immediately. I did not authorize them and they are not tied to any legitimate applications. 



FINAL REQUEST Under the Fair Credit Reporting Act ( FCRA ) Sections 609 & 611, I am requesting : Full deletion of the dismissed bankruptcy Full deletion of XXXX and XXXX XXXX collection accounts Full removal of the XXXX unauthorized or outdated hard inquiries Please instruct TransUnion to delete these items and provide me with written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: UT

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

1681c-2 ) that you, the Experian 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 XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00}

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 2025-06-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I WANT THESE INQUIRIES TO BE DELETED FROM MY FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, all dated on XXXX. These inquiries were made without my knowledge, authorization, or written consent, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which outlines the requirement for a permissible purpose before obtaining a consumers report. The continued inclusion of these inquiries in my file violates my right to privacy and places Experian in direct violation of 15 U.S.C. 1681n and 1681o, which address willful and negligent noncompliance with the FCRA and hold consumer reporting agencies liable for damages. Let me share about the case of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, where XXXX  was sued in a class action for its failure to conduct a proper reinvestigation of disputed hard inquiries. That case emphasized the legal duty of credit reporting agencies ( CRAs ) to investigate disputes thoroughly and in good faith. Experian is now following the same unlawful path by failing to act on my previous dispute regarding these inquiries. I am demanding that Experian conduct an immediate and thorough reinvestigation and permanently delete the unauthorized hard inquiries listed above from my credit file. I request confirmation in writing once the deletion is complete, along with a copy of my updated credit report reflecting these changes. I expect prompt action and compliance with the FCRA. If this matter is not resolved, I will escalate this further and seek all available legal remedies.

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 2025-06-16 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: IN

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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2025-06-16 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: TX

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 : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Let me be absolutely clear this is not a misunderstanding or a minor error. This is incorrect reporting that affects my creditworthiness and violates the standards set by the Fair Credit Reporting Act ( FCRA ), particularly the requirement that all information must be accurate and verifiable.

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 2025-06-16 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:
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 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I could have done a student loan by myself they lied and said that I couldnt so the owner of the XXXX could embezzle money he went to prison for this tried to say I owed money for hours I had already completed. In XXXX my stepdad paid this loan off and my mom kept making over XXXX $ monthly payments because XXXX  kept harassing us. I did the math for the sake lets say from originally XXXX XXXX XXXX was barrowed over XXXX was paid back and thats way more than what was agreed on to be paid back as of recently the loan says its in default for XXXX $ and its been paid back way more than what was owed and on time but according to my credit it says its in default and its been paid not on time for over XXXX XXXX of life of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On Friday XX/XX/year>, chime closed my account. I called them that day to see why. I also called them today, Monday XX/XX/year>XXXX  to see why my account was closed. Chime closed my account and is refusing to return my money. They told me the account was closed for 'suspicious activity, ' but they won't give me a clear reason or provide any documentation. They are holding my money with no legal explanation. I want my funds returned immediately or a legal reason in writing why they are being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a hard inquiry on my credit score from Capital One. It seems someone had attempted to fraudulently open a line of credit/credit card using my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604a, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-06-16 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: FL

Complaint narrative:
I viewed my credit report on Transunion in XXXX and noticed that my credit score had gone down significantly and that there was an account listed as XXXX XXXX in default on my report. I filed a dispute online with Transunion on XX/XX/XXXX and received a confirmation email that they had received it and would investigate. I have never had an account with XXXX or tried to open one and also the report said I work for a company that I do not work for. On XX/XX/XXXX I received an email from Transunion that the investigation was complete. I logged in to find that the information about my work was corrected and the other information was not. In fact, it was stated that this information was VERIFIED as ACCURATE. I called Transunion on XX/XX/XXXX in the morning and told them that the information is NOT accurate and they said that I needed to contact XXXX and there was nothing more that Transunion could do. I demanded that they provide me with the documentation of their investigation and they said that they do not do that and they could only have a supervisor call me back later. I received a call back later in the afternoon with the same story. I demanded that they provide me with the process or some proof of the VERIFICATION, since they are stating that they have verified this erroneous information, and they refused and said I could file a complaint if I wanted. And here we are.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
b'Phone XXXX XXXX\nTelephone every 2 days.\nFinally, caller says Collection.\nTOTAL NUISANCE!'

Company response to consumer: Closed with non-monetary relief