vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I am a victim of identity theft. I discovered unauthorized hard inquiries on my credit files with Experian and TransUnion that I did not initiate or authorize. Experian : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries are fraudulent. Please removethem from my reports pursuant to the Fair Credit Reporting Act and confirm in writing once deleted.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-09-04 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-03 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: FL

Complaint narrative:
I am disputing a collection account Bounce AI is reporting on my credit reports, allegedly originating from XXXX, originated by XXXX XXXX Bank. I have never applied for or opened any account with XXXX or XXXX XXXX Bank, and I do not owe this debt. 
To investigate and dispute this account, I mailed a formal debt validation letter on XX/XX/year> to the address listed for Bounce AI on my XXXX  report:XXXX XXXX XXXX, XXXX, NY XXXXThis letter was returned to sender, marked forward time exp run to send.XXXX Tracking : XXXX I then resent my dispute to the address that appeared on the returned envelope, which was : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXXThis was mailed on XX/XX/year>, via XXXX tracking # XXXX. As of XX/XX/year>, I have received no response whatsoever. 
In addition, my credit reports list three different and conflicting addresses for this company : * XXXX  : XXXX XXXX XXXX, XXXX, NY XXXX ( invalid ) * XXXX  : XXXX, NY XXXX ( no street address incomplete ) * XXXX  : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ( different business location ) This inconsistency across all three credit bureaus makes it extremely difficult to dispute the debt and raises serious concerns about Bounce AIs reporting accuracy and business transparency. 
To date, Bounce AI has : Not validated the alleged debt, Not responded to either of my written disputes, and Continues to report the account to the credit bureaus. 
These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 8 ) ), both of which require timely responses to disputes and accurate, verifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U S C 1681c2 a of the Fair Credit Reporting Act FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 remove this account from my credit report because its Fraud open without my knowledge Police report attached and i will be filling with social security office and changing my driver license number and filing with CFPB. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 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 2025-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am unaware of this debt and was not given the opportunity to review or dispute this account prior to its placement on my credit report. If you claim proper notification was sent, please provide a copy of the certified mail including my signature with the receipt bearing my signature. If you are unable to provide this documentation, I request that this account be removed from my credit report immediately. Failure to comply, may result in legal action being pursued to protect my rights under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
When I went to adjust the date of my autopay to pay my credit card bill from my XXXX of Colorado checking account. I was unable to do so on the Bank of America website. The person on the phone wasn't able to help me. This is an issue because it puts me at risk of overdrawing my account unless I can change the day my credit card payment comes out of my bank account. As a customer, I need to have full access my autopay settings and adjust them for my selection of payments.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been part of an Equifax and Transunion Data Breach. Please remove all addresses not associated with me and accounts incorrectly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been part of an Equifax and Transunion Data Breach. Please remove all addresses not associated with me and accounts incorrectly reported.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX Direc Management Inc. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Re : Debt Validation Request Account No. XXXX ( Original Creditor : XXXX XXXX XXXX ) To Whom It May Concern : This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I recently obtained a copy of my credit report, which lists the above-referenced account allegedly with your company, originally from XXXX XXXX XXXX XXXX The account is reported as a collection account with an unpaid balance of {$620.00}, opened on XX/XX/XXXX. I hereby dispute the accuracy, completeness, and validity of this account and request full validation before any further reporting, collection, or enforcement activity continues. 

As required by law, provide the following : 1. A complete accounting of the alleged debt, including the original contract, payment history, charge-off details, and all assignments or transfers.

2. Proof of ownership or assignment demonstrating that your company has legal standing to collect or report this account.

3. Verification of compliance with all state and federal collection laws, including notice and licensing requirements.

4. Identification of the original creditor, original loan terms, and itemization of the current balance claimed.

5. Documentation of my written agreement bearing my signature that creates a legal obligation to repay either your company or the original creditor. 



Until full validation is provided, you must immediately cease all collection activity, including reporting or verifying this account with any credit reporting agencies. Failure to properly validate this debt within 30 days of receipt will constitute a violation of both the FDCPA and FCRA, and I will not hesitate to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing action for damages in civil court. 

Be advised that continued reporting of unverified or inaccurate information to any credit bureau is considered willful noncompliance under 15 U.S.C. 1681n, which may subject you to civil liability.

Please respond to this request at the address listed above. If you can not validate this account, you are required by law to immediately delete it from my credit reports with all consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID, Social Security Card, and Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I am disputing multiple loan accounts as the result of identity theft. I never applied for or authorized these accounts. 
The XXXX student loan entries show numerous discrepancies : balances reported inconsistently ( {$25000.00}, {$21000.00}, {$16000.00}, {$6100.00}, {$3500.00}, {$1800.00}, and others ). The accounts appear fragmented and duplicative, with different balances reported across multiple tradelines for the same lender. These inconsistencies reflect errors and possible fraudulent reporting. 
Additionally, a XXXX XXXX loan appears on my credit report with a {$6500.00} balance, 15.02 % interest rate, and an opening date of XX/XX/year>. I never applied for or received such a loan, and its presence is fraudulent. 
These accounts are not mine. I request immediate deletion of all fraudulent XXXX and XXXX XXXX accounts from my credit reports, removal of any related negative marks, and that the furnishers cease reporting them in the future under the protections of the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines for identity theft victims.

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 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bank account I tried to close because they said I had a joint account and I can not who the other party is. Also they kept murmuring under his voice anaconda. Which I believe is really weird. Also I never received my debit card through the mail and I asked to open an account to do my stalks they never contacted me or informed me of nothing at all. Also they had some lady that does not work at the bank call me and schedule an appointment for what reason I dont know because I asked her if she was a financial adviser and she made it clear that the reason for the meeting was not what I open the account for my investments and receive the inheritance my grandpa XXXX XXXX XXXX XXXX me. And they were not very helpful at all.

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 2025-09-04 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: AZ

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agencies Equifax, Experian, and TransUnion for their continued failure to correct inaccurate information on my credit reports, and for issuing stall letters in response to multiple disputes. 

Background I have disputed the inaccurate information with the credit bureaus on XX/XX/2025, XX/XX/2025, XX/XX/2025, XX/XX/2025, and XX/XX/2025. 
Each time, instead of conducting a proper reinvestigation, the bureaus issued stall letters stating that the accounts in question could not be verified or that the information was not mine. 

This is false. With every dispute, I submitted proof of my identity, including my current address, a copy of my Social Security card, and my drivers license. Despite this clear documentation, the bureaus continued to send stall letters suggesting the information did not belong to me. 

Inaccurate Accounts Reported Based on my 3-bureau report dated XX/XX/2025, the following accounts remain inaccurately reported : XXXX XXXX XXXXXXXX Reported as charged-off, inconsistencies across bureaus XXXX XXXX ( XXXX XXXX XXXX Reported as charged-off, inconsistently reported XXXX XXXX XXXX Reported as charged-off/repossessed , conflicting between bureaus XXXX XXXX XXXX XXXX XXXX Reported as collection/charge-off, dispute status ignored XXXX XXXX Reported as collection, marked dispute resolved, but derogatory notation remains XXXX XXXX XXXX Reported as collection with derogatory status Violations Failure to Conduct Reasonable Reinvestigation under FCRA 1681i.

Issuance of Stall Letters despite receipt of valid proof of identity.

Failure to Correct Personal Identifiers despite proper documentation.

Failure to Correct Inaccurate Account Reporting across all three bureaus.

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 2025-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint has made it incredibly difficult to work with. They have breached my contract numerous times and have had their lawyers lie in court in front of a judge. Additionally, they intentionally misplaced and failed to submit all required documents to the VA for my permanent modification. As a result, the VA has informed me that I am now ineligible for this program because the documents can not be submitted after the six-day grace period. 

I have been calling Shellpoint, the loan servicer, but they have not been helpful at all. They claim that my loan is on track and that there isnt a set sale date. However, when I check the court records, I see that the sale date is scheduled for XX/XX/year>, at XXXX XXXX  at the XXXX XXXX XXXX. I have contacted both the lawyer and Shellpoint, as well as the VA. According to the VA, it is illegal ( referred to as dual tracking ) for them to proceed with foreclosure proceedings while I am on an active TPP ( Trial Payment Plan ) /loan modification. 

From the beginning of this situation, when we were only {$10000.00} behind, we had the funds to pay the amount owed upfront. However, they refused to accept any payment. In order to make progress with them, we had to hire a third-party nonprofit organization, XXXX. Despite all of this, we are still on the verge of losing our home with nowhere to go. 

We want to request that Shellpoint honor the terms of our TPP/modification for 40 years at 2.5 %, as they were the ones who dropped the ball in this process. I am asking the CFPB for assistance for my husband, who is a veteran of the U.S. XXXX XXXX, and has worked hard to reach this point. The only reasons we fell behind on our mortgage were due to the COVID-19 pandemic and a severe XXXX that nearly cost him his life. We are able to continue making our current TPP payments. 

This situation has been ongoing for almost three years now. I sincerely ask for help from the CFPB.

Thank you for your time.ost three years now. I sincerely ask for help from the CFPB. 

Thank you for your time.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> National Credit System XXXX, XXXX  XXXX Subject : Dispute of Account Verification Due to Identity Theft To Whom it May Concern : I am writing again to formally address a matter regarding an account I previously disputed with your office due to identity theft. I recently received notification that your company has verified this account, which I know to be inaccurate. 

The account in question contains a name on the lease contract which is not me. I can confirm that I did not authorize this contract, nor do I recognize any associated debt. This issue stems from identity theft, and I have already initiated a dispute regarding this matter with the credit reporting agencies. 

The discrepancies in your records, including the improper attribution of my name, which indicate that this record is not valid. 

See attached " FTC REPORT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MI

Complaint narrative:
Self inc you have two options 1 to update the late 30 day history to current paid on time never late or 2 removal of the account from all 3 bureaus. I dont have time for your back and forth XXXX games. When I have more than enough evidence to just make you guys pay a fine monetary relief and file a subpoena against you and the bureaus. 


XXXX Bank - delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 of XXXX XXXX - XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 response to consumer: Closed with explanation