vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am writing to file a formal complaint against XXXX ( Account XXXX. XXXX ) XXXX XXXX for their inaccurate and damaging reporting practices on my credit file. 

According to my credit report, this account shows : High Balance : {$720.00} Date Opened : XX/XX/XXXX  Reported Status : Late Payment This reporting is inaccurate, incomplete, and misleading, and it is causing substantial harm to my creditworthiness. 

Grounds for Complaint : Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX  has failed to ensure the accuracy and completeness of the information being furnished to the credit bureaus. This constitutes a direct violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers to provide accurate information. 

Failure to Provide Proper Validation : I have not received proper documentation or validation that proves the accuracy of the reported late payment. Without full validation, this reporting should not remain on my credit profile. 

Unfair Damage to Credit Standing : The inaccurate reporting of a late payment on this account has significantly lowered my credit score, thereby restricting my access to fair credit opportunities, housing, and financial stability.

Requested Relief : Immediate investigation into XXXX reporting practices. 

Removal or correction of the inaccurate late payment entry from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 

Confirmation in writing once this action has been completed.

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 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} 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 case number XXXX, as proof from the US 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle and XXXX, XXXX and XXXX XXXX  are attempting to do money laundering of RICO crime to an account with my former phone number / social security number. 

I have disengaged completely from the US banking system. Any attempts by them to transfer money to an account in my name is RICO crime and needs to be immediately reported to FBI. They have already done billions of dollars of similar crime with other peoples ' accounts. 

I am cooperating with FBI, and all communications need to be routed through XXXX and XXXX. 
Additionally, they have recently stole my social security number and birthdate, so they may attempt to set up a new account in my name to do the money laundering that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: NJ

Complaint narrative:
My credit report shows an account with XXXX XXXX XXXX that was paid in full and closed with a {$0.00} balance in XXXXXXXX XXXXDespite this, Bounce AI began reporting a collection account in XX/XX/year>, claiming to collect on this account. 
XXXX XXXX has shut down and is no longer in business, and the servicing company ( XXXX  ) never provided verification. 
Bounce AI has failed to validate the debt when requested, in violation of the FDCPA ( 15 USC 1692g ).

This false reporting has caused my credit standing to fall from Excellent to Fair, causing financial harm XXXX  Also BOUNCE AI have not give the account number from XXXX XXXX which is not in business. 

I am attaching copies of my credit report entries showing the account closed with {$0.00} balance, as well as the erroneous collection entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the bankruptcy entry that appears on my credit report. This record is false, fraudulent, and not associated with me in any way. Its continued reporting misrepresents my financial history and causes undue harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: WA

Complaint narrative:
b'Subject: FDCPA Violations  Unlawful Debt Collection, Misrepresentation, and Illegal Billing, Prior Complaints: XXXX XXXX XXXX XXXX XXXX, I was first contacted by Source Receivables Management regarding an alleged debt tied to XXXX XXXX XXXX XXXX During that call, I disputed the debt and requested validation by mail. Their subsequent conduct violates multiple provisions of the Fair Debt Collection Practices Act (FDCPA).\n\nViolations\n\n1692g(a): Failure to Provide Timely Written Notice\n\nFirst contact: XXXX XXXX XXXXWritten notice not received until XXXX XXXX XXXX  (9 days later).\n\nNo postmark or mailing proof provided.\n\n1692g(b): Failure to Validate Debt\n\nOnly a move-out ledger was provided.\n\nNo lease, no signed documentation, no evidence of liability.\n\nInternal balance sheets do not meet validation standards.\n\n1692e: Misrepresentation of Consumer Rights\n\nIn their CFPB response, Source claimed FDCPA does not mandate inclusion of a lease, itemized charges, or similar documents.\n\nThis is a false representation of consumer rights under 1692g(b).\n\n1692f(1): Attempting to Collect Amounts Not Permitted by Law\n\nThe debt balance of $XXXX  is inflated by charges not authorized under law, includingXXXX improper notice penalty (XXXX  XXXX): barred under Washingtons COVID moratorium (RCW 59.18.625)XXXX XXXX XXXX XXXX XXXX: sewer, trash, water billed after I vacated XXXXSecurity deposit forfeiture ($XXXX) + wear-and-tear deductions: carpet cleaning, blinds, and minor appliance parts charged contrary to XXXX  XXXXRent double accounting: duplicate XXXX  rent entries inflating balance.\n\nConsumer Diligence:\n\nI sent a dispute by certified mail (USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), creating a verifiable record.\n\nSource has provided no proof of its own timely mailing.\n\nContradiction\n\nSources official CFPB response stated:\n\nIt is our sincere intention to resolve this matter amicably and in compliance with all relevant laws and regulations.\n\nYet their only evidence is an unlawful penalty and padded charges explicitly barred by Washington law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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'm filing this complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, regarding identity theft accounts. I am a confirmed victim of identity theft and have submitted an Identity Theft Report and supporting documentation to Equifax. Despite this, Equifax continues to report fraudulent accounts that do not belong to me, including XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. 

Under 15 U.S.C. 1681c-2 ( a ) ( c ), once a consumer provides an Identity Theft Report, a consumer reporting agency must block the disputed information within four ( 4 ) business days. Equifax has ignored this requirement and continues to report these fraudulent accounts, causing ongoing harm to my credit and reputation. Their refusal to remove these accounts violates federal law and undermines my rights as a consumer. 

I am demanding that Equifax immediately and permanently delete and block the fraudulent accounts listed above, provide me with a corrected copy of my credit report, and confirm compliance with the statutory four-day blocking requirement. 

Equifaxs inaction has resulted in denials of credit, reputational harm, and repeated disputes for the same unauthorized accounts. I request the CFPB intervene and take regulatory or enforcement action to ensure Equifax complies with the FCRA and fulfills its obligations to protect consumers from identity theftrelated damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: DE

Complaint narrative:
I previously submitted a dispute to the Consumer Financial Protection Bureau # XXXX. I received a response from XXXX that they were going to report on my account current. I have made the payments as instructed. They have now again reported my account delinquent and have negatively impacted my credit again. This issue should have already been resolved. On XX/XX/XXXX, I spoke with a representative XXXX, explaining the entire situation stating that I was never verbally told that my account would be delinquent. She was supposed to listen to the call and get back to me but she did not and when I received the letter from XXXX that they would update the credit reporting, I thought this situation was resolved. This is stressful. These companies should not be allowed to play with peoples lives this way. I have not been late on any account for over 10 years including XXXX. I would have never entered into this program if I was informed that this would damage my good standing credit.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-09-12 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have tried to dispute a negative late payment report from American Express several times with no successful results. Today, this negative report, from XXXX, is still present, and all three are either failing to remove it or not allowing me to dispute it due to the length of time it has been there. XXXX years is enough, but it is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Good morning, My name is XXXX XXXX XXXX. Here is my loan info : Account ID : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX My loan servicer is Newrez ( Shellpoint ). I was having some trouble making my payments, so I applied and was approved for a XXXX XXXX XXXX for a mortgage modification. This was on XX/XX/XXXX. Per the attached letter, my first payment of {$2700.00} was due BY XX/XX/XXXX. I had the funds to make that first payment on the same day I was approved for the plan, which I did. I'm attaching a screenshot from my Newrez/Shellpoint payment history showing the payment made that day. 

The next payment was due on XX/XX/XXXX. I called in that day to make my second payment and they informed me that the plan had been CANCELLED due to non-payment. This is not accurate, since I had made the first payment already and I called in to make the second on the day it was due. For some reason, there was a glitch in their portal and my first payment did not get applied to the XXXX XXXX XXXX. 

I have called them MULTIPLE times since XX/XX/XXXX and they have not been able to fix it. Finally I got ahold of a supervisor in their escalation department on Wednesday of this week and he said you guys needed to assist in fixing this error. He supposedly set up a phone call meeting with someone who would discuss this with me but I still have not received any phone calls. 

I'm at a loss for what to do at this point. Going around and around with Newrez/Shellpoint is getting nowhere. I'm really hoping you guys will be able to figure out the issue and help me out. Please review the attached documentation. 

You can reach me at this email, or at either of the numbers below : Personal cell : XXXX  Work cell : XXXX Thank you in advance for your assistance.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Received credit report and noticed a company by the name of XXXX XXXX XXXX on my credit report several times. 
Tried making contact to verify who this company is with no results. 
I explained to them that I have no knowledge of their company and I have NO AGREEMENT with them. 


XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$680.00} Also, in XX/XX/year>XXXX  a law passed where theres no public record that can be placed on your credit report such as a judgment bankruptcy of any such and in attached a document is attached

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 2025-09-12 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: TX

Complaint narrative:
I am challenging the late payment listed on my credit report, as it is inaccurate and inconsistent with my payment record. My history shows timely payments, and this negative entry is an error that unfairly impacts my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} 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 case number XXXX, as proof from the US 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 non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-12 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-12 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: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful information being reported by XXXX ( Account # XXXXXXXX XXXX XXXX  ) on my consumer credit report. 

According to my credit file, this account is being reported with late payments. I dispute this reporting for the following reasons : The information being reported is inaccurate and unverifiable. I have not received proper validation or supporting documentation from the furnisher proving the accuracy of these alleged late payments. 

The Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 623 ( a ) require furnishers to ensure maximum possible accuracy when reporting consumer information. XXXX has failed in this obligation.

This inaccurate reporting is causing me harm by lowering my credit score, negatively impacting my ability to obtain credit, employment, and housing. 

I am requesting that the CFPB investigate this matter and require XXXX  to : Provide documented proof, including original payment records, that validates the alleged late payment history. 

If they can not provide such proof, immediately delete the inaccurate late payment reporting from all consumer reporting agencies ( XXXX, Experian, and 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