vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: VA

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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
We purchased a refrigerator in XXXX from XXXX XXXX. We paid off the balance within the timeframe at 0 % interest. Suddenly, in XXXX, we began receiving a bill with various charges from {$170.00}, which we were told was a recurring charge for a product we never ordered. After cancelling the card, I then began getting billed $ XXXX {$60.00} for what they said were " XXXX XXXX '' charges. I have NEVER had XXXX XXXX. When I call, they transfer me from Citibank, who handles their credit cards and then tell me it's not them, it's the XXXX XXXX. I ended up paying the charge so it would not end up on my credit report and they cashed the check but didn't credit the account but keep adding more charges on a closed account. Citibank is adding late charges and interest and then claiming it is the XXXX XXXX and there is nothing they can or will do about it. I have literally spent over 8 hours on the phone being transferred to people who tell me there is nothing they can do. Citibank cashed my check for the {$170.00} which is for something we NEVER purchased and is now adding fees but claiming it is not their issue to resolve. I have a bill for {$260.00} when their original fraudulent charge was {$170.00} that I paid. I will not pay anymore to this company and will never shop at XXXX XXXX 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 monetary relief
Consumer complaint received 2025-10-20 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm addressing this letter to credit bureau for putting wrong information on my credit report.

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 2025-10-20 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: TX

Complaint narrative:
The entry in question is not consistent with my established payment record and appears inaccurate. I request a thorough review and its removal.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. 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 2025-10-20 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: VA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-20 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: VA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
This is a formal rebuttal and request for supervisory review regarding my previous complaint ( ID : XXXX ) against Bounce AI , Inc . 
The company has repeatedly issued boilerplate, non-substantive responses that fail to comply with the validation requirements of 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) under the Fair Credit Reporting Act ( FCRA ). Despite multiple written requests, Bounce AI , Inc. has not produced any of the legally required documents proving ownership or the right to collect this alleged debt, including : A bill of sale or purchase agreement identifying my account, A complete chain of title from the original creditor to Bounce AI , Inc., and Proof of licensing and bonding to collect in the State of Florida.

The companys responses have merely restated alleged account details and attached a copy of a generic line of credit agreementnone of which constitute proper validation under federal law.

Further, the debt in question was charged off by the original creditor, which by definition terminates the enforceability of the original agreement for collection purposes unless a valid transfer of ownership can be demonstrated. Bounce AI , Inc. has provided no verifiable evidence of such transfer.

Additionally, the absence of a Form 1099-C from the original creditor raises questions about whether the debt was canceled or sold, creating material inconsistencies that Bounce AI , Inc. has failed to clarify.

If the account was canceled and a 1099-C should have been issued, continuing to report or collect on the debt may constitute false representation and unlawful furnishing of information in violation of the FDCPA and FCRA.

I therefore request that this matter be escalated for supervisory review within the CFPBs enforcement division ( or the Florida Attorney Generals Consumer Protection Division ) to determine whether Bounce AI , Inc. is engaged in systemic violations of 15 U.S.C. 1692g and 1681s-2.

Until full and lawful validation is produced, I am demanding that : All collection and reporting activity by Bounce AI , Inc. cease immediately ; The unverifiable debt be deleted from all consumer reporting agencies ; and Written confirmation be provided that the company will not pursue further collection actions without valid proof of ownership and right to enforce. 
Respectfully submitted, XXXX XXXX ' Florida Resident / Consumer Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Bank Account was opened and checks was deposited into account Letter 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, I am writing to dispute the accuracy and legitimacy of certain accounts appearing on my XXXX  credit report. Pursuant to 15 U.S.C. 1681c-3, I am requesting that you block and permanently remove any information resulting from identity theft or inaccurate reporting within four ( 4 ) business days of receiving this notice.

The following accounts are disputed as they are inaccurate and/or the result of identity theft : Please investigate and remove these items from my credit file. If any information can not be deleted, provide a written explanation detailing your findings and the source of the data relied upon. 

Letter 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of certain inaccurate and fraudulent information on my XXXX  credit report. In accordance with 15 U.S.C. 1681c-3, I am requesting that you block and delete this information immediately.

Under the FCRA, you must block this information within four ( 4 ) business days and notify the furnishers that the data has been removed. Please provide written confirmation of your actions once completed. 

Letter 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of inaccurate and fraudulent information contained in my XXXX  credit file. Pursuant to 15 U.S.C. 1681c-3, I request that these items be blocked and permanently deleted from my report.

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 2025-10-20 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: NJ

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ).

Through my authorized nonprofit advocate, I provided Certified Victim Determination Documentation, proof of identity, SSN, and proof of current address to TransUnion in compliance with these federal statutes. Despite meeting all legal requirements, TransUnion has failed to comply with the mandatory four-business-day blocking requirement and continues to report coercion-based and fraudulent information linked to my victimization.

I am requesting the permanent blocking and deletion of the following information that was opened or reported as a result of trafficking, debt bondage, or identity theft : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  Employer to Delete : XXXX Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$45.00} Hard Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 605C ( b ) and 605B ( a ), consumer reporting agencies are legally required to block and remove all items resulting from XXXX  or identity theft within four business days after receiving proper documentation. TransUnions continued reporting of these fraudulent accounts and inquiries constitutes non-compliance with federal law and causes ongoing financial and emotional harm.

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 2025-10-20 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: LA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

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 2025-10-20 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXXXXXX 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 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 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 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I

attempted to log into my Experian account. The system did not accept the password that I entered and would not allow me to log in any other way. The phone number attached to my account was listed as invalid ( even though they verified it multiple times ) and the birthdate did not correspond to my social security number. It is clear that there has been some tampering with my credentials and despite hours of trying, I was unable to correct this. The only thing they offered was to unfreeze my credit and I told them that I did not want them to do that at all since I felt there was fraud on my account. For an agency designed to monitor fraud- they are ill equipped to actually recognize and deal with it. I offered to start the process over and provide whatever credentials were necessary to get access to my credit to be able to freeze/unfreeze. 

This company should not have this responsibility as they are unable to actively help their members. Their IVR does not allow access to a representative- it continually sends you back to the website- which I can not access since it won't let me use the Forgot Password option because my credentials don't match my identity. I am not having any problems with XXXX XXXX or 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