vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
I am a verified victim of identity theft. I have provided Experian, Equifax, and TransUnion with every required document under the Fair Credit Reporting Act ( FCRA ), including my FTC Identity Theft Report, sworn affidavit, government identification, and supporting records.

Despite this, all three credit bureaus continue to : 1. Fail to apply the mandatory four-business-day block under FCRA 605B, instead forcing my disputes into repetitive 30-day investigations.

2. Maintain fraudulent accounts, inquiries, and personal information that I have proven do not belong to me.

3. Ignore or mishandle verified documents submitted through their online upload portals, mailed correspondence, and internal submission systems. 

I have re-submitted these materials multiple times, both digitally and by mail, and I have received confirmation that they were received. Yet the bureaus refuse to delete the fraudulent data or correct my personal information. Their negligence is obstructing my ability to obtain credit, housing, and employment, and is causing direct harm to my financial and personal life. 

This continued non-compliance represents a clear violation of FCRA 605B, 605C, and 623, as well as the FTCs Identity Theft enforcement rules. The bureaus have sufficient evidence to act but have willfully chosen to delay, ignore, or mishandle my lawful request.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the creditor PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED B ) THE ORIGINAL CREDITUR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

Permission Purposes Please state why you have permissible purpose to contact my credit. I dispute this. 

I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This dept was reported to my credit report falsely I do not owe this debt nor do I have any knowledge of or contractual obligations to the company I have not received any of the applicable documentation that is required by law from the company about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: SC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc
State: IL

Complaint narrative:
There has been times where I had charges to my account and chime wouldnt give me back the credit Ive tried to change my address and it wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to 1:2investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

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 explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account reported by your organization. This collection entry has appeared without any prior notification or communication from your agency informing me of this alleged debt. Additionally, I have substantial concerns regarding whether this claimed obligation is legitimate and accurate. Under the provisions of the Fair Debt Collection Practices Act, I am entitled to receive proper verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish complete validation documentation and take necessary corrective measures to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
After reviewing my credit reports, I found several accounts being reported inaccurately and without proper validation. XXXX XXXX is listed as charged-off with a {$480.00} balance while also showing Pays as Agreed in certain updates, which is clearly contradictory. XXXX XXXX shows as closed and XXXX days late, but the dates of last activity are inconsistent, and no validation was ever provided. 

XXXX XXXX XXXX continues to report a late payment in XX/XX/XXXX, which is inaccurate since the account has been paid consistently and was in good standing before that date. XXXX XXXX XXXX ( XXXX ) reports 164 % utilization on a closed account, which is mathematically impossible and damaging. XXXX XXXX XXXX shows a charge-off from XXXX but continues to re-age the account and report new activity through XXXX without proof of the accounts accuracy. 

XXXX XXXX is reported with 117 % utilization and new late payments despite a repayment plan being in place. XXXX XXXX XXXX lists a XXXX charge-off but continues to show late payments even after the account was closed, which is contradictory. XXXX XXXX and XXXX XXXX XXXX are both closed accounts that were paid or settled long ago, yet they continue to update as new charge-offs in XXXX, which constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ). XXXX reports over 20 consecutive months of 90-day lates with re-aged charge-off dates, which is excessive and unverifiable. Lastly, XXXX XXXX is paid and closed but still shows as a charge-off, which is inaccurate. 

Despite prior disputes, these items continue to appear on my report with no supporting documentation or original creditor validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concern regarding Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I have been receiving multiple calls from a number XXXX. They claim to be with XXXX who is my health insurance provider. On XX/XX/year>, when I tried calling their number back it was not XXXX it was " XXXX XXXX '' who impersonated being my health insurance provider to extract personally identifiable information from me in efforts to collect on a debt. The debt I do not owe. It was a medical debt that should never been charged to me because at the time I was covered under my health insurance. 

After the XXXX XXXX people successfully defrauded me into thinking I was scheduling a in-home health visit. I started receiving chronic and repeating calls from a number XXXX, beginning on XX/XX/year>. 

Further research led me to discover this was a debt collection agency known as " Transworld Systems , Inc. '' I have asked them to stop calling and to remove my number from their calling list, however they still chronically call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
I am writing to invoke my rights under FCRA 605B ( 15 U.S.C. 1681c2 ) concerning fraudulent accounts that were previously blocked due to identity theft. Despite my valid block request and supporting documentation submitted on XX/XX/XXXX, the accounts listed below have been updated or re-reported by the furnishers in violation of federal law.

Fraudulent Accounts : XXXX. XXXX  XXXX XXXX, XXXX. Auto Loan Opened : XX/XX/XXXX Balance : {$110000.00} Status : Open / Past Due Account Number ( Last XXXX ) : XXXX XXXX. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$34000.00} Status : Open / Past Due I previously submitted documentation identifying these accounts as fraudulent, including an Identity Theft Report, proof of my identity, and a written statement specifying the fraudulent items. The reappearance or update of these accounts violates FCRA 605B ( c ) ( 2 ) ( A ), which prohibits the re-reporting, reinsertion, or resale of information that has been blocked due to identity theft.

I am demanding that you : Immediately and permanently block or suppress the above accounts and any associated information. 


Notify the furnishers XXXX XXXX  XXXX XXXX, XXXX. and XXXX XXXX ) that these items were the result of identity theft and have been permanently blocked. 


Provide written confirmation within 15 days of receipt that these accounts have been removed or suppressed in compliance with federal 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 2025-10-06 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: TX

Complaint narrative:
I am writing to invoke my rights under FCRA 605B ( 15 U.S.C. 1681c2 ) concerning fraudulent accounts that were previously blocked due to identity theft. Despite my valid block request and supporting documentation submitted on XX/XX/XXXX, the accounts listed below have been updated or re-reported by the furnishers in violation of federal law.

Fraudulent Accounts : XXXX. XXXX  XXXX XXXX, XXXX. Auto Loan Opened : XX/XX/XXXX Balance : {$110000.00} Status : Open / Past Due Account Number ( Last XXXX ) : XXXX XXXX. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$34000.00} Status : Open / Past Due I previously submitted documentation identifying these accounts as fraudulent, including an Identity Theft Report, proof of my identity, and a written statement specifying the fraudulent items. The reappearance or update of these accounts violates FCRA 605B ( c ) ( 2 ) ( A ), which prohibits the re-reporting, reinsertion, or resale of information that has been blocked due to identity theft.

I am demanding that you : Immediately and permanently block or suppress the above accounts and any associated information. 


Notify the furnishers XXXX XXXX  XXXX XXXX, XXXX. and XXXX XXXX ) that these items were the result of identity theft and have been permanently blocked. 


Provide written confirmation within 15 days of receipt that these accounts have been removed or suppressed in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IN

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation