vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate and fraudulent information appearing on my credit report related to an account with XXXX XXXX XXXX. 

In addition that I have also been victim of Identity Theft and data breech. 

1. Identity Theft & Unlawful Reporting Per 15 U.S.C. 1681c-2 ( a ), credit reporting agencies must block fraudulent accounts upon notification of identity theft. XXXX has failed to verify the authenticity of this account and continues to report false and unverifiable information, violating : 15 U.S.C. 1681s-2 ( a ) Furnishers must ensure accuracy in credit reporting.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to mark the account as " disputed/litigated, '' violating : Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ) Duty to report accounts as disputed.

Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 8 ) False credit reporting in collection efforts. 

Additionally, XXXX refused to honor my tender of payment via negotiable instrument, never returned the instrument, and did not provide any written explanation for dishonoring the payment. This violates UCC 3-311 ( Accord & Satisfaction ), meaning the debt was lawfully discharged and should not be reported as delinquent or outstanding. 

XXXX. Requested Action Immediate Account Removal Given the fraudulent and unlawful nature of Santanders reporting, I formally demand the following corrective actions : Immediately remove the fraudulent Santander account from my credit report under identity theft protections ( 15 U.S.C. 1681c-2 ).

Cease all reporting of this account to credit bureaus under FCRA 1681s-2 ( a ).

Provide written confirmation of removal within 30 days, per FCRA 1681i ( a ) ( 5 ).

Failure to comply will result in formal complaints with the CFPB, FTC, and legal enforcement for damages. I expect a prompt resolution in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 





UNAUTHORIZED INQUIRIES : Experian XXXX FINANCIAL SER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX FINANCIAL SER XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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:
Please see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information TransUnion continues to report. 

I have sent multiple dispute letters to TransUnion on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
The most recent letter was a Demand to Comply, and yet TransUnion continues to report inaccurate, unverifiable, and outdated information in violation of multiple provisions of the FCRA. 

These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability I am now initiating litigation for willful and negligent noncompliance, as I have exhausted all reasonable attempts to resolve these inaccuracies. I am a litigious consumer and hereby serve official notice of pending legal action, seeking monetary compensation for each violation. 

TransUnion has failed to provide any Method of Verification or response confirming the accuracy or legitimacy of the following 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 XXXXXXXX of these accounts have already been deleted bXXXX XXXX XXXX XXXX which further highlights the lack of uniformity and accuracy required under 15 U.S.C. 1681b ( e ) ( 6 ). 

I am demanding that TransUnion immediately remove all accounts listed above and cease any further reporting, as they are unverified, inconsistent, and legally invalid. All correspondence regarding this matter should be sent through the CFPB portal to maintain a proper paper trail.

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 2025-04-29 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:
Supplemental Addendum to CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX RE : Continued Reporting of Unvalidated Debt by XXXX XXXX XXXX and Experian To Whom It May Concern, This letter serves as a formal update to my complaint filed on XX/XX/XXXX, against XXXX XXXX XXXX, XXXX ( XXXX ) and Experian for violations of the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ). 

As of XX/XX/XXXX, Experian continues to report the alleged debt under account number XXXX with the following updated details : - Balance : {$1600.00} - Status : Collection account, past due as of XX/XX/XXXX - Original balance : {$1600.00} - Opened date : XX/XX/XXXX - On record until : XX/XX/XXXX - Payment history : Collection status reported from XX/XX/XXXX through XX/XX/XXXX This update reaffirms that Experian and XXXX XXXX XXXX have continued to report the debt as valid, despite having failed to provide legal validation as requested under the FDCPA and FCRA. As previously stated, XXXX has not supplied any assignment contract or itemized documentation to prove ownership or accuracy of this debt. 

Additional Legal Concerns Based on the XX/XX/XXXX Update : XXXX. Violation of FCRA XXXX ( b ) : - Experian is continuing to report this account as a verified collection despite the absence of documentation establishing PRAs legal right to collect. 

XXXX. Violation of FCRA XXXX ( a ) : - The reinvestigation of my dispute was inadequate, as the account remains unchanged and incorrectly verified without any substantive evidence. 

XXXX. Violation of FDCPA XXXX ( b ) : - XXXX is actively reporting and attempting to collect on a debt that remains unvalidated after a formal disputecontrary to legal requirements. 

XXXX. Violation of FDCPA XXXX ( XXXX ) : - By furnishing this information to Experian while it remains disputed and unsubstantiated, XXXX continues to supply misleading information about my account status. 

Requested Action : I respectfully reiterate my request for the CFPB to take the following actions : - Compel XXXX to provide the assignment contract and full documentation or delete the account entirely. 
- Direct Experian to remove the collection account unless legal validation is presented. 
- Ensure both parties are held accountable for these ongoing violations of federal consumer protection laws. 

This continued reporting is materially damaging to my credit and financial well-being and violates my rights under federal law. 

Please find attached a copy of the XX/XX/XXXX, Experian update for your review.

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 2025-04-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-29 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: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
This company bounce claims I owe them over XXXX dollars. They say it was opened XX/XX/year> with them. They would not tell me the original creditor or original delinquent dates. Never sent me validation. They also have other companies claiming I owe them for this same debt. I'm not even sure it's my debt. I never had any in this amount. Never hears of them. I would like them removed from my credit reports. I also need them to show proof of my social security number, address including the one that was supposed to be used to get this debt, phone number and my whole name including middle name. Because so many people have my name. That they just use partial information to put on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: GA

Complaint narrative:
I am writing to formally dispute an account listed on my Equifax credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full reinvestigation of the following account. Given the history of the Equifax data breach, I am especially concerned about the accuracy and integrity of the information contained in my credit profile. 
Please investigate and verify the accuracy of the following account : Account Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$11000.00} If you are unable to fully verify this account with the original signed documentation and all supporting records, it must be promptly deleted from my credit report in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( XXXX ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I just became aware of a fraudulent inquiry that was made online without my knowledge or consent. I had nothing to do with this, and at no point did I authorize anyone to access or use my information in this way. This is a serious breach, and I need it addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-29 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:
Please see letter attached. I respectfully request that the Consumer Financial Protection Bureau investigate these inquiries and have them removed from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
Please see letter attached. I respectfully request that the Consumer Financial Protection Bureau investigate these inquiries and have them removed from my credit report. XXXXXXXX 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 2025-04-29 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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