vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report fraudulent account ( XXXX ) appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-08 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:
please remove this account I do not know where this came from and was a result to identity theft and a fraudulent account. 

XXXX Account Number : 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 2025-06-08 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:
please remove this account I do not know where this came from and was a result to identity theft and a fraudulent account. 

XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the U.S bank on XXXX XX/XX/year> from publication promotion XXXX get XXXX. I transferred by debit card XXXX and I have US bank customer service call me for information about me to fulfill the promotion.She knew the details about me and say thanks. Thats why I trust her. I didnt not remember much that conversation because she called me during XXXX on my busy time.Later on I found out that money from XXXX bank gone XXXX and XXXX later on new year.I report to XXXX bank about dispute. XXXX bank sent the letter back to me that the money gone on my name they dont know to where and try to close the dispute. I have money on U.S bank only XXXX and I came back to U.S bank. They said just sorry. I got the money from personal loan and trying to live a bit from no jobs. Now I got scam. I went to make a police report. They dont care about me. XXXX bank cant identify where money gone? I just know that the person who get information from me is U.S bank banker. The bank seems have connections about it. Phishing my data and share with scammers. I feel bad

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
I received a notification that an item had been placed on my credit report for collections by Southwest Credit Systems LP in the amount of {$470.00}. I called XXXX XXXX to inquire about this item so I could try and resolve the issue as I have been working on improving my credit. After providing the man with my information on what he said was a recorded call ( name, address, dob, phone number, last 4 of ssan ) he said he could provide me with the information after I paid {$1.00} which would be applied to the debt payment after he explained the payment options, such as full payment or payment arrangement, etc. I told him I wasn't going to pay for the information and in fact he couldn't charge me for the information. He said they worked on some kind of tier system and that the fee went to open up the system and the money would be applied to the debt. I told him I didn't have to pay the debt through him, and that I wanted the name of the company of the original debt. He said the original company didn't have anything to do with it once it was turned over to collections. I told him that was not true, that I had cleared up two other accounts on my credit report by dealing directly with the original debtor, and that by law he was obligated to provide me with the information and that it was illegal for him to charge me for that information. He continued to tell me about his system and I told him I wanted to speak to a supervisor. He placed me on hold for a couple of minutes. He came back on and said a request for a supervisor call was made and a supervisor would call me within 15-20 minutes. 30 minutes later I called back and was immediately told a request for a supervisor call was in and I would get a call within 15 minutes. 45 minutes later I tried calling back and my calls were immediately disconnected. The numbers I called were XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
A personal loan that was wrongly accelerated and sent to collections despite timely payments, no prior notice, and no access to account information. 
On XX/XX/year>, Upstart Loan Operations confirmed that a payment of {$200.00} was successfully processed from my bank account ( Transfer ID : XXXX ) for loan XXXX. The confirmation email stated I had XXXX  months remaining and did not mention any missed payments or delinquency. 

Shortly afterward, I received a notice stating my loan had been accelerated and sent to collections, with the full balance due immediately ( {$4200.00} ). This was the first notice I received of any issue. 

I later discovered that all prior communications had been sent to an old, unused email address. I received no phone calls or physical letters. I was never notified of a delinquency or given a chance to cure the alleged default. 

Additionally, I have been blocked from accessing UpstartXXXX meaning I can not view my loan balance, statements, or payment history at all. 

This violates the Truth in Lending Act, the E-SIGN Act, and the Fair Credit Billing Act, and possibly the Fair Debt Collection Practices Act, as I was denied access, never properly notified, and was actively misled by a payment confirmation into believing my account was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
BOTH .. DEPT OF EDUCATION ACCOUNTS NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE THEY ARE FRAUDULENT AND IT'S INACCURATE INFORMATION THAT'S VIOLATING MY CONSUMER RIGHTS DEPT OF EDUCATION XXXX XXXX.... XXXX DEPT OF EDUCATION XXXX XXXX XXXX THESE ARE DUPLICATE ACCOUNTS THAT NEEDS TO BE BLOCKED IMMEDIATELY

Company response to consumer: Untimely response
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Experian your bogus response will not work I request the name and account number you are referring to in your email there is nothing as to what you are talking about .So how did you contact a furnisher and not have any information on name and account because you refuse to release it to me, is'nt that identity theft Now you have 15 days to respond back your bogus investigation will not work I can and will file a law suit for damages against you respond to CFPB

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 2025-06-09 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 a victim of identity theft. I submitted FTC Identity Theft Reports along with supporting documents requesting the removal of fraudulent accounts and inquiries from my TransUnion credit report pursuant to the Fair Credit Reporting Act ( FCRA ) 605B. 

Despite submitting a complete dispute package including : FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX Government-issued ID Proof of address XXXX personal statement detailing the fraud TransUnion has continued to report fraudulent accounts and inquiries as accurate. These include : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not apply for or authorize any of these accounts or credit inquiries. TransUnion is in violation of FCRA 605B by failing to block this information despite having received identity theft documentation. These inaccuracies are causing harm to my credit standing, and I demand that TransUnion be compelled to immediately block and permanently delete the fraudulent items listed above.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful reporting by Bounce AI , Inc., and their original creditor, XXXX XXXX. The account in question originated with XXXX XXXX and was later placed with Bounce AI. After reviewing both companies complaint responses ( XX/XX/XXXX ), I have identified multiple legal violations under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and Tennessee consumer finance law.

1. Excessive Fees After Default XXXX XXXX  confirms my last payment was on XX/XX/XXXX, which under the contract means I was in default shortly thereafter. Bounce AI shows the charge-off date as XX/XX/XXXX, and lists {$2900.00} in fees, with no itemization or breakdown. Under Tenn. Code Ann . 45-12-111, fees may not be charged after default. These fees appear to have been assessed between XX/XX/XXXX and XX/XX/XXXX violating state law. 

2. Balance Exceeds Legal Credit Limit The original credit limit was {$3800.00}, yet Bounce AI reported a total balance of {$6600.00}, combining {$3500.00} in principal with {$3100.00} in interest/fees. This far exceeds the original limit and is not supported by any lawful or transparent calculation, violating FCRA 623 ( a ) ( 1 ) and TILA.

3. No Payment Application or Itemization My {$410.00} payment on XX/XX/XXXX has not been properly accounted for. Neither Bounce AI nor XXXX XXXX has provided a ledger showing how this payment was applied under the contracts required order ( interest fees principal ). This raises concern about improper accounting and inflated balances.

4. Misleading Responses XXXX XXXX  claims no additional fees were charged by Bounce AI, yet Bounce AIs own documents show the fees were already present before they received the account. This highlights the lack of oversight and transparency by both parties.

5. FCRA and TILA Billing Violations Despite multiple disputes and formal complaints, I still have not received a complete and accurate itemization of how my final balance was calculated, in violation of my billing rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report notice I have fraudulent activity. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION : Collections XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX EQUIFAX : Collections - XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX EXPERIAN : Collections XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXXXXXX 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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute a debt currently being reported on my credit file by a third-party debt collector. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that this matter is investigated thoroughly and resolved in accordance with federal consumer protection laws.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the legal right to request validation of any alleged debt a collector claims I owe. In addition, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, requires that any information furnished to consumer reporting agencies be accurate, complete, and verifiable. If a debt can not be validated with appropriate documentation, it must be removed from my credit report.

To comply with these federal standards, the following documentation is required for debt validation : A copy of the original signed agreement or contract creating the debt between myself and the original creditor.

A full itemized statement showing all charges, payments, adjustments, and the final balance.

A complete chain of title, including a copy of the purchase or assignment agreement ( s ) showing the debt was legally transferred or sold to the current collector.

Verification that I was notified in writing of my rights under the FDCPA when the debt collector first contacted me.

Proof of licensing and legal authority for the collector to collect in my state of residence.

To date, I have not received documentation meeting these requirements. If the collector or original creditor can not produce the documentation listed above, I respectfully request that the debt be removed immediately from my credit reports maintained by all three credit reporting agencies ( XXXX XXXX, and XXXX ), in accordance with the FCRA and FDCPA.

This is a formal dispute. I request that your office investigates this matter and ensures that my consumer rights are upheld. If the information can not be verified and substantiated within the timeframes required by law, it must be deleted from my credit file.

Please confirm receipt of this dispute and advise me of any updates to the status of this account.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Fraud Report for CFPB\n\nI regularly use XXXX  to send money to my sister-in-law, whose contact is saved in my XXXX favorites.\n\nOn XXXX XXXX XXXX, I sent XXXX and on XXXX XXXX XXXX, I sent XXXXboth transactions were made using what I believed was her correct XXXX contact.\n\nAfter sending the money, I texted her to confirm receipt. She responded that she had not received either transaction and suggested I double-check the XXXX contact used.\n\nThats when I noticed that, under her name, XXXX  displayed small text indicating that the account was actually registered to someone named XXXX XXXX.\n\nI called the phone number associated with the unintended recipient (XXXX XXXX, and XXXX XXXX  denied receiving the money.\n\nI immediately filed a fraud report with JP Morgan Chase. Claim XXXX was filed, however, after calling a few times to ask for an update several operators informed me that since I had authorized the transfereven though it was to the wrong personit was unlikely I would be reimbursed.\n\nI also contacted XXXX  directly and was told they could not reverse the transaction and that I should continue working with my bank.\n\nI attempted to file a report with my local police department, but the officer on the phone said they do not open cases for this type of issue.\n\nI followed up by texting XXXX XXXX again, politely asking for the money to be returned, but received no response.\n I have filed a report # XXXX with the Federal Trade Commission. \nThis situation has resulted in a financial loss of XXXX, with no resolution or support, despite my good-faith efforts to correct the mistake.\n\nI believe the misuse of the XXXX platform and the recipients refusal to return the funds may constitute fraud or theft.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
I have discovered multiple unauthorized and fraudulent accounts and inquiries on my credit reports that I did not initiate, authorize, or approve. As a victim of identity theft, I am exercising my rights to have these items permanently blocked and removed from all records within the federally mandated timeline. I Have filed an FTC report, frozen accounts and monitoring for credit alerts and locking credit files. I am taking appropriate precautions to protect my identity and credit report. My personal information was exposed in an EQUIFAX DATA BREACH AND XXXX DATA BREACH. 

You are required to : Block and delete these fraudulent items within 4 business days Fully update and correct my credit file within 15 calendar days

Company response to consumer: Closed with non-monetary relief