vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had XXXX original from the beginning and I received my card it was only XXXX $ I only spent XXXX XXXX of that, in between purchases of a XXXX dollars lock the card for XXXX weeks every time, until the card had XXXX unauthorized purchases from an online account to people in jail they didnt return the money nor did I ever receive another card! Plus that was the last time I heard from them. 
I have tried calling contacting finally after XXXX years they sent me a check for XXXX XXXX  On a card said this was my balance .. Nevertheless the money continued to file for XXXX. Then XXXX. Finally XXXX a month and I didnt receive any of that money just what took from the beginning XXXX XXXX plus once I bought the car and someone accessed my account I never used the account or card again through us bank..

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 2025-08-17 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following XXXX ( XXXX ) fraudulent XXXX XXXX accounts are being reported under my TransUnion LLC credit file without my knowledge, authorization, or consent. I have never applied for, opened, or used these accounts. They were fraudulently created using my personal information and are the direct result of identity theft. 



Fraudulent Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX Reference/Account : XXXX {$520.00} Creditor : XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Account XXXX XXXX {$440.00} XXXX. XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Reference/Account : XXXX {$1100.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Reference/Account XXXX XXXX {$1800.00} Creditor : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$4800.00} Applicable Statutes and Protections Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
XXXX : Right to block fraudulent identity theft accounts. 
XXXX : Prohibits furnishers from reporting information known or reasonably should be known as inaccurate. 
XXXX : Willful violations entitle victims to statutory damages of up to {$1000.00} per violation. 
Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 
XXXX ( b ) : Debt XXXX must cease collection until proper validation is mailed. 
XXXX ( a ) ( XXXX ) ( A ) : Statutory damages of up to {$1000.00} per collector, per action. 
XXXX, XXXX. XXXX XXXX : Grants rights to fraud alerts and freezes, requires creditors and CRAs to provide documentation. 
Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX : Criminalizes identity theft. 



Notice of Intent to XXXX If the above demands including removal, validation records, and statutory damages payment are not satisfied within fifteen ( XXXX ) days of receipt of this notice, I will initiate a civil lawsuit against TransUnion LLC. 

For clarity, removal of these fraudulent accounts from my credit report alone will not eliminate liability. If the statutory damages totaling {$4000.00} are not paid in full, I will still pursue civil litigation for statutory damages, actual damages, punitive damages, and attorneys fees as authorized under law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. The late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Bankruptcy Unlawful and Inaccurate Reporting To Whom It May Concern, I am formally demanding the immediate removal of the bankruptcy being reported in my Equifax consumer file, allegedly sourced from XXXX. This reporting is in direct violation of Consumer Law, the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX standards. 

Key Facts : XXXX. I have confirmed in writing from the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia that the court does not furnish, verify, or report bankruptcy records to Equifax, XXXX, or any other credit reporting agency. 


XXXX. Any third-party, such as XXXX, that claims to provide bankruptcy reporting is not an official source of court records and therefore can not be considered reliable or verifiable under FCRA 1681e ( b ), which requires maximum possible accuracy. 


XXXX. Reporting this bankruptcy through XXXX constitutes unlawful furnishing of unverifiable information, and is a willful violation of FCRA 1681i ( a ) ( failure to conduct a lawful reinvestigation ) and FCRA 1681e ( b ). 



XXXX XXXX Compliance Failures : XXXX XXXX Standards require that all data furnished to consumer reporting agencies be accurate, complete, and verifiable. 

Because the bankruptcy information did not come directly from the courts, it can not meet XXXX XXXX accuracy and verification standards. 

Continuing to report this item constitutes false reporting, which requires immediate deletion under XXXX XXXX guidelines. 


Legal Violations : FCRA 1681i ( a ) ( 5 ) ( A ) requires deletion of information that can not be verified.

FCRA 1681e ( b ) prohibits reporting information without maximum possible accuracy.

FCRA 1681n and 1681o hold furnishers and reporting agencies liable for willful or negligent noncompliance.

18 U.S.C. 1001 prohibits knowingly falsifying or misrepresenting information within federal systems including consumer credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
Dear [ Credit Bureau Name ], I am formally disputing the accuracy of the following information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) : Discover account was opened XX/XX/XXXX. 
This account is being reported inaccurately and/or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of any disputed information. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), the furnisher of this information must ensure its accuracy and provide proper documentation to substantiate the debt.

I request that you provide verification of the alleged debt, including documentation from the original creditor proving I owe this debt and that XXXX has the legal right to collect it. Proof of the date of first delinquency, as required to determine the proper reporting period under FCRA 605 ( a ) ( 7-year limitation ). Complete records of your investigation as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Late payments in question XXXX XXXX of XXXX and XXXX of XXXX If you can not verify this account with proper documentation within 30 days, the account must be deleted from my credit report pursuant to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
Dear [ Credit Bureau Name ], I am formally disputing the accuracy of the following information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) : Discover account was opened XX/XX/XXXX. 
This account is being reported inaccurately and/or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of any disputed information. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), the furnisher of this information must ensure its accuracy and provide proper documentation to substantiate the debt.

I request that you provide verification of the alleged debt, including documentation from the original creditor proving I owe this debt and that XXXX has the legal right to collect it. Proof of the date of first delinquency, as required to determine the proper reporting period under FCRA 605 ( a ) ( 7-year limitation ). Complete records of your investigation as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Late payments in question XXXX XXXX of XXXX and XXXX of XXXX If you can not verify this account with proper documentation within 30 days, the account must be deleted from my credit report pursuant to FCRA.

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 2025-08-18 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-18 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: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have more than XXXX card / debtor please send it to all of them and the bureaus please. My first XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  from XX/XX/year> and closed XX/XX/year> never activated per the co said That they didnt complete paperwork so I ret the XXXX XXXX XXXXXXXX XXXX They had sent me letters after finding out I filed ID theft and a police report XX/XX/year>. They are aware to XXXX XXXX ( yrly card fee {$95.00} plus XXXX mths of late fees erroneous methods however they still show XXXX  on my actual credit bureaus must be updated asap and knocked my score down by XXXX pts next day another XXXX pts when the increase was XXXX pts 2 days before. What are the bureaus doing? Transunion showed those scores recently! Plus, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is too old plus I never had use of the cr increase to {$400.00}. They refuse to remove it off. Next, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DID NOT COMPLY AFTER MANY DISPUTES TO REMOVE THE BAL TO XXXX OWED- per our agreement and emailed by a lawyer to sue if not done. They had me Move into a XXXX XXXX  which was up for $ sale without maintenance or mgt except for them as the realtor. The kitchen pipes were not connected XXXX promised mgt to fix it but never did. They let me out the contract after charging me over {$5000.00} dollars in moving in cost, XXXX bed loft. Said theyll return my deposit 1 st & last month at nearly {$2800.00} but lied. I gv my fwd addr never recd nothing had to dispute with my Bank which closed. The ceiling dripped water stained, no water kit, no winter heat. The mailbox key never came either! They did charged me years later {$600.00} est for papertowels and a box in fire place so no animal would come through the chimney as trash!

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 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I emailed Tradition on XXXX to dispute a move-out fee that was added to my account. The disputed amount was {$530.00}, which was assessed for a desk and desk chair. These items had been removed by maintenance when I first moved in, and I never used them during my tenancy. 

On XX/XX/year>, the property XXXX confirmed receipt of my dispute and stated that my account was under review and that they would follow up. However, instead of providing a resolution, the charge was reported in a way that has negatively affected me, without proper follow-up communication as promised. 

I believe this constitutes unlawful communication and improper handling of a disputed debt. I am requesting that the {$530.00} charge be removed and that any related negative reporting be deleted 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 explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX because they have failed to provide proper validation of an alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite my request, they have not supplied legally sufficient documentation, such as the original signed contract, itemized account statements, or proof of assignment/ownership... 
Continuing to collect on this alleged debt, including reporting it to credit bureaus, without validation constitutes a violation of both the FDCPA and potentially the Fair Credit Reporting Act ( FCRA )...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Date XX/XX/XXXX TransUnion XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Subject XXXX Request for Verification and Removal of Unauthorized Inquiries To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize. 

The following companies made inquiries without my consent : - XXXXXXXX XXXX XX/XX/XXXX I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law.

Attached are my identification and proof of address. 

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA. 

Sincerely, 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CO

Complaint narrative:
I am submitting this complaint because [ possible finance ] is inaccurately reporting my account as delinquent, despite the fact that it was paid in full and closed. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), where applicable.

These late notations are inaccurate, misleading, and incomplete, and are harming my credit profile.

I have a right under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers of information from reporting information they know or should know is inaccurate.

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and have it corrected or deleted after an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX 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