vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress.

XXXXXXXX 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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: MO

Complaint narrative:
Bounce AI , Inc. is attempting to collect a debt they claim I owe XXXX from XXXX XXXX, originated by XXXX. On XX/XX/year> I requested full debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) On XX/XX/XXXX Bounce Ai inc responded to my request & failed to provide proper documentation. I have evidence of me requesting validation & evidence of Bounce Inc responding with their documentation. 

Specifically, they did not provide : - A signed loan agreement - Proof of ownership or assignment of the debt from the original creditor - A complete breakdown showing how the balance was calculated Instead, they sent me XXXX summaries of payment history and balance amounts, but no legal proof that the debt is valid or that they have the right to collect. This does not meet federal validation standards. 

I am requesting that Bounce AI , Inc. stop all collection activity and remove any credit reporting related to this alleged debt until they can properly validate it with full documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 

Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Supporting Documentation Included : 1. A copy of my government-issued ID ( drivers license ). 
2. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ).

3. A copy of the police report documenting the identity theft incident.

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during one or more of the following data breaches, which have affected millions of consumers : XXXX XXXX XXXX XXXX XXXX  Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXX XXXX XXXX XXXX XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX XXXX XXXX XXXX XXXX  : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action Under FCRA Section 605B, you are required to block these fraudulent accounts and inquiries from my credit report within four ( 4 ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported. 

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

Sincerely, 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I made a {$5200.00} down payment and financed {$43000.00} through Santander Consumer USA. Less than XXXX  days later, the check engine light came on and the vehicle started experiencing serious mechanical issues. I notified the dealership ( specifically their representative XXXX XXXX, and I was instructed to take it to a XXXX dealer. 

I filed a claim with the warranty provider ( XXXX, claim # XXXX ), which was denied. This left me with a defective vehicle and no support. I sent a formal dispute letter to Santander requesting that they pause the loan and investigate under the FTC Holder Rule. I have received no satisfactory response. 

I am requesting that Santander pause the loan, stop reporting negative information to credit bureaus, and work with the dealer to cancel or resolve this contract due to a defective sale. 



Requested Resolution : Investigate this loan as a disputed/defective sale Pause payments and stop negative reporting Cancel the contract if the dealership does not repair the vehicle Prevent harm to my credit during the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to formally document that the debt collector failed to inform me of my right to dispute the alleged debt, as required under the Fair Debt Collection Practices Act. No details were provided regarding the origin, amount, or validity of the debt. Instead, the communication solely consisted of repeated demands for payment accompanied by threatening language, which I believe constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the credit reporting agencies have failed to uphold their duties under the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes and identifying incorrect and harmful information, the accounts remain without proper verification. This failure has caused unjust damage to my credit score, limiting financial access and creating personal hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was reviewing my credit report and noticed an inquiry I did not authorize.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am not liable for the collection account recently reported under my name. I did not incur this debt, and it was reported without my knowledge or authorization.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: CA

Complaint narrative:
I XXXX XXXX ask immediately remove this account off my credit report Tek-collect account number XXXXXXXX XXXX XXXX account number XXXX Attorny General-XXXX  account number XXXX Under 15 U.S.C. 6801, financial institutions are required to protect my nonpublic personal information. If any accounts or inquiries were opened without my consent or due to data breaches, they must be investigated and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Specific Metro 2 Format Violations : Conflicting Pay Status on Closed/Collection Account The account is listed as Pay Status : >Collection< yet also appears under a format that implies ongoing obligation despite being placed in collections. This creates conflicting data.

Violation : Metro 2 Field 17 ( Account Status ) & Field 17A ( Payment Rating ) No Disclosure of Debt Sale or Chain of Assignment There is no indication of whether this debt was purchased, assigned, or still owned by the original creditor ( XXXX ). This violates Metro 2 requirements and FCRA 609 ( a ) ( 1 ).

Violation : Metro 2 Field 18 ( Special Comment Code 88 or 93 ) Violation : Metro 2 Field 11 ( Creditor Classification Code ) Address on File Is Not Associated With Me The business address listed by Consumer Adj Co is not an address I have ever resided at or used in any financial agreement.

Violation : Metro 2 Field 5 ( Address ), Field 69 ( City, State, ZIP ) FCRA 607 ( b ) : Reasonable procedures must be followed to ensure maximum possible accuracy Reporting Past Due on a Collection Account Reporting a Past Due amount of {$1100.00} on a collection account is not appropriate because the account has already been charged off and sent to a collection status. This misrepresents the current nature of the obligation. 
Violation : Metro 2 Field 22 ( Past Due Amount ) FCRA 623 ( a ) ( 1 ) ( A ) prohibition of inaccurate or misleading data Dispute Mark ( XB or equivalent ) Present Without Resolution The file is marked Account information disputed by consumer ( FCRA ) but no resolution or correction has been made. This violates reinvestigation requirements. 
Violation : Metro 2 Field 112 ( Compliance Condition Code = XB ) FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation within XXXX  days

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The CFPBs XX/XX/year> enforcement action against XXXX  ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. XXXX XXXX XXXX XXXXXXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a XXXXXXXX XXXX gift at XXXX in XXXX XXXX on XXXX XXXX for {$300.00} I sent the card as a gift to my sister in XXXX and I was told the card declined everywhere. 
I called XXXX to reports the matter and to check to see if there was some error where I was charged and the {$300.00} and the cashier forgot to add it to the card but I was referred to XXXX XXXX I called told me the card was activate and nothing else. I told them the card was declined at every merchant but neither XXXX nor XXXXXXXX XXXX is willing to track the card to figure out who spent or whether or not money was added to the card. 
I would like to have my {$300.00}.

Company response to consumer: Closed with explanation