vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
Bounce AI continues to demonstrate willful noncompliance with both the Fair Credit Reporting Act ( FCRA ) and state debt collection licensing requirements, particularly in the XXXX  of XXXX. 

In my original complaint, I specifically requested documentation verifying Bounce AIs legal authority to collect debts in XXXX, their surety bond number and proof of state licensure. This is a standard compliance requirement for any third-party debt collector operating within the state, per the XXXX  Fair Credit Extension Uniformity Act ( FCEUA ) and federal oversight under the FDCPA and FCRA. 

Rather than respond in good faith, Bounce AIs reply ignored the core issue and failed to provide any of the requested compliance documentation. This omission is not an oversight ; it is now a pattern of willful noncompliance and raises serious questions about the legitimacy of their collection activities and the accuracy of the information they are furnishing to consumer reporting agencies. 

Violations Committed by Bounce AI : 1. Willful Noncompliance with the FCRA ( 15 U.S.C. 1681s-2 ( b ) ) Bounce AI continues to report derogatory information on my credit file without meeting its duty to investigate and correct inaccuracies, and without providing documentation upon dispute as required by law. 
2. Failure to Provide Surety Bond or Licensing Information Bounce AI has not disclosed its XXXX  debt collection bond number, which is legally required to validate their authority to collect debts in the XXXX. This refusal is a violation of state-level consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: OK

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
I was as victim of identify theft, and a loan was illegally in my name through One Main Financial. Despite my account and personal information being flagged as a victim of Identity Theft, I have receive mail from said institution stating that there was another attempt to take out a loan in my name, and it was only prevented because I had frozen my credit and not from any policies of the institution itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX, ACCOUNT # XXXX. OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX. OPENED ON XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-30 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Transform Credit Inc.
State: CA

Complaint narrative:
XXXX XXXX phone number ( XXXX ) XXXX Theyve contacted me everyday for 214 days. Harassing and ruining my credit. I am with XXXX XXXX XXXX who took on their debt. They do not care they continue to hurt my credit. Leave threatening voicemails and constantly threatening a server to serve me for court. For less that {$1500.00} owed in debt. 

The woman and man who own it are XXXX Call the number her XXXX XXXX will pickup.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: GA

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 XXXX 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 explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint because my credit reports from TransUnion, Experian, and Equifax show inconsistent, inaccurate, and conflicting information for the above account. Despite these discrepancies, the bureaus have continued to report the account as derogatory/charged-off, harming my credit profile. 

Details of Discrepancies : Date Opened : TransUnion lists XX/XX/XXXX ; Experian and Equifax list XX/XX/XXXX High Credit : TransUnion shows {$2800.00} ; Experian shows {$0.00} ; Equifax shows {$1100.00} XXXX XXXX : TransUnion and Experian show {$2000.00} ; Equifax shows {$0.00} Date Last Active : TransUnion XX/XX/XXXX ; Experian XX/XX/XXXX ; Equifax XX/XX/XXXX Date of Last Payment : TransUnion & Experian XX/XX/XXXX ; Equifax XX/XX/XXXX Comments : TransUnion marks as charged off, profit & loss write-off ; Experian says unpaid balance reported as loss ; Equifax lists consumer disputes, reinvestigation in progress These conflicting details violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report.

I have filed formal disputes with each bureau under FCRA Sections 609 and 611, demanding deletion or correction of unverifiable or inaccurate data. 

What I Want : I request that the CFPB investigate this matter and ensure that the credit bureaus : Conduct a proper investigation of my dispute Provide verification and documentation for the reported data Delete or correct any unverifiable or inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IN

Complaint narrative:
I have submitted multiple disputes and they are failing to provide me with descriptions of the investigation procedure or documents proving that these items belong to me. According to 15 USC 1681i ( 7 ) states if requested by consumer this must be provided within 15 days in order to be in compliance with FCRA guidelines. Experian, Transunion and Equifax have failed to do so. Experian is constantly updating inaccurate account information. All these accounts need to be removed XXXX XXXX XXXXXXXX Account number : XXXX Account number : XXXX Account number : XXXX  Account number : XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. DEPT OF EDUCATIONXXXX Account number : XXXX ( repeated across multiple entries ) XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. US DEPT OF EDXXXX Account number : XXXX Account number : XXXX XXXX. XXXX XXXX XXXX ( Collection ) Account number : XXXX They have also failed to remove addresses that are not mines 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 2025-05-30 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: VA

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 explanation
Consumer complaint received 2025-05-30 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:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} Inquiries XXXXXXXX XXXX Date : XX/XX/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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have had over {$1100.00} held in my XXXX PayPal account for over XXXX years. In XX/XX/year>, I spoke with PayPal customer service by phone, and they informed me that my funds would be released on XX/XX/year>. However, as of today, PayPal has refused to release the funds and has not provided any valid reason or clear timeline. They simply state that there is no timeframe and no further information available. This is extremely frustrating and unacceptable after such a long wait and clear promises made by PayPal 's own support team. I am requesting the immediate release of my remaining balance of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXXL Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
I am filing this complaint to report inaccurate and misleading credit reporting by XXXX XXXX and the failure of Transunion to correct the issue. 

XXXX XXXX is currently reporting an account on my credit file as a mortgage, when in fact, the account is a timeshare installment loan. This classification is factually incorrect. The loan is not secured by a home, does not relate to any primary or secondary residence, and does not meet the legal or financial criteria for a mortgage under standard credit reporting guidelines. 

The proper classification for this account should be installment loan, which more accurately reflects the nature of the obligation and repayment structure. This misclassification can significantly and unfairly impact my credit profile, particularly when applying for actual mortgages or other home-related financial products. 

I submitted a written dispute to both XXXX XXXX and the credit bureau ( s ), citing the Fair Credit Reporting Act ( FCRA ) and requesting that the reporting be corrected. However, I recently received a response stating that the account was " verified and updated, '' but no correction was made. The account continues to be reported inaccurately as a mortgage.

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 2025-05-30 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an XXXX XXXX card reporting on my credit report as collections. I am not sure what is that and I am not responsible for anything as I never applied for that card. The account number states XXXX. This does not belong to me.

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