vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: MA

Complaint narrative:
I am writing to formally dispute the charges totaling {$1100.00} that XXXX has forwarded to Professional Account Management ( XXXX ) for collections at Account # XXXX. I am an active XXXX MA account holder, and at no time did I receive any toll invoices, notices of non-payment, or violation warnings at my address on file. 

Had I been properly notified, I would have resolved the base tollsestimated to be approximately $ XXXX any penalties accrued. Instead, the failure to notify me has resulted in excessive administrative and late fees that I contest as unlawful and unjust. 

This handling of my account potentially violates several laws and consumer protections : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Debt XXXX, including contractors like Professional Account Management, must provide written notice of the debt and allow time to dispute or validate it. 

XXXX efforts must cease if a dispute is lodged and no validation has been provided. 

The failure to notify me properly before collection efforts may constitute a violation of FDCPA 809 ( a ) - ( b ). 

2. Massachusetts XXXX XXXX XXXX ( XXXX. XXXX XXXX ) XXXX and XXXX are both subject to Massachusetts General Laws Chapter XXXX, which prohibits unfair or deceptive practices in the conduct of trade or commerce. 

Failing to send toll violation notices, then assigning inflated fees to collections, may be considered unfair, deceptive, and predatory billing. 

XXXX. MassDOT Regulations XXXX CMR XXXX ( Toll Enforcement Regulations ) These regulations require MassDOT to send timely notices of toll violations before initiating late fees or collection actions. 

If such notices were not sent as required, the imposition of fees and referral to a debt collector may be procedurally invalid.

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 2025-05-16 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: CA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$6500.00}

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to be absolutely clearthis complaint is not an error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These mistakes are causing ongoing financial and personal hardship. I urge you to take immediate action to correct or remove these inaccuracies without further delay.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my financial well-being and daily life. I am under considerable stress, and resolving these issues would provide much-needed relief. I respectfully urge you to correct or remove these inaccuracies without delay.

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 2025-05-16 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:
Accounts are being reported under my name without my knowledge or authorization. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading. This misrepresentation of my financial history is unacceptable and has caused significant concern. I demand immediate clarification on the origin of these accounts and the entity responsible for reporting them. Prompt action is required to address and resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my financial well-being and daily life. I am under considerable stress, and resolving these issues would provide much-needed relief. I respectfully urge you to correct or remove these inaccuracies without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX a transfer of XXXX to unknown account ending in XXXX was initiated on or about the XXXX of XX/XX/XXXX I noticed the unauthorized transaction and reported to american express they declined to open dispute stating I must first provide them with affidavit of identity notorized i complied and on or about XX/XX/XXXX of XXXX i faxed it to XXXX and called them to inform them of completion and asked to open dispute again they declined stating they need 10 day or less to review the affidavit of identity I waited and after numerous call requesting to have my dispute open on or about the end of XXXX they finally reviewed the document and open my dispute a few weeks later I got mail from stating they were sorry buy now my dispute was declined with there excuse being it was over the time allowed to dispute the transaction. XXXX because I was prevented from filing the dispute when I wanted to which at that time was well within the time allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-16 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: MAS FINANCIAL SERVICES, INC.
State: AZ

Complaint narrative:
On XX/XX/year> there was a account opened by MAS FINANCIA FOR XXXX in my name without my authorization and this is fraudulent I filed a identity theft claim and a ftc report reference number XXXX stating that this was not me. And I want this removed from my credit report immediately because this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the TransUnion credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX A credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX An auto loan account with XXXX XXXX opened on XX/XX/XXXX These accounts were not opened or initiated by me in any way and are entirely the result of identity theft. I have provided my consumer FICO credit report, which shows these fraudulent entries, along with my FTC Identity Theft Report # ( private case number ) to confirm the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-05-16 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: Bounce AI, Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being submitted to formally request, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block all information on my consumer credit report that is the result of identity theft. You are required by law to complete this block within four business days of receiving this request. The fraudulent, inaccurate, and unauthorized information includes : A personal credit card account opened with XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX An auto loan account opened with XXXX  XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A personal credit card opened with XXXX  XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal loan account opened with XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal loan account opened with XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX * A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX  A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have led to multiple false collections and hard inquiries showing up on my consumer XXXX  credit report. I do not recognize any of these accounts or related collections. They were not opened, authorized, or initiated by me in any way. I am the victim of identity theft, and all of the accounts and collections listed above are directly tied to that fraud. As supporting evidence, I have attached a copy of FTC Identity Theft Complaint number XXXX and FTC Identity Theft Complaint number XXXX filed with the United States Federal Trade Commission. I am requesting the immediate blocking and removal of these items from my credit report, and that no further collection activity related to them be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Bounce AI, Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being submitted to formally request, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), that XXXX  block all information on my consumer credit report that is the result of identity theft. You are required by law to complete this block within four business days of receiving this request. The fraudulent, inaccurate, and unauthorized information includes : A personal credit card account opened with XXXX XXXX  on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  An auto loan account opened with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal credit card opened with XXXX  XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A personal loan account opened with XXXX  on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX A personal loan account opened with BOUNCE AI INC on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have led to multiple false collections and hard inquiries showing up on my consumer XXXX credit report. I do not recognize any of these accounts or related collections. They were not opened, authorized, or initiated by me in any way. I am the victim of identity theft, and all of the accounts and collections listed above are directly tied to that fraud. As supporting evidence, I have attached a copy of FTC Identity Theft Complaint number XXXX and FTC Identity Theft Complaint number XXXX filed with the United States Federal Trade Commission. I am requesting the immediate blocking and removal of these items from my credit report, and that no further collection activity related to them be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * - Date Opened XX/XX/XXXX Account Name : Unknown # XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Im reporting an accounts that is showing up on my credit report. I have no idea what this account is. I didnt open it, I didnt authorize it, and Ive never done business with them.

Company response to consumer: Closed with non-monetary relief