vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( XXXX ) states : 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 2025-07-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-07-22 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: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit transunion permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove this account from my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have first disputed transfers made from my checking account through XXXX  to cash app card. After money was transferred, the person that hacked/scammed my account went to many stores and bought gift cards ( as it looks obvious ) in California ( I live in XXXX, AZ and haven't left the state for over a year ). I have put in many disputes and the first was denied. So I put 2 more in. The hacker/scammer also cashed out stock that I had and the team that did the investigation with cash app did find that my XXXX  account was compromised, that I did not have access to my account or phone at the time and reimbursed me a partial amount. Cash app will. not reimburse me for the fraudulent transactions. At this same time, the same thing happened but the money was put on an XXXX XXXX XXXX. XXXX XXXX  XXXX  did their investigation and found it to be fraudulent and reimbursed over {$7000.00}. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
While I was locked up from XXXX to XXXX 32 accounts was opened up in my name. The names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached are the following accounts.

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NV

Complaint narrative:
On XX/XX/2025, I received an email from Bounce AI regarding an alleged debt related to XXXX. I immediately responded the same day requesting full validation of the debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). I asked for a copy of the original contract bearing my signature, a complete account history, and the name and address of the original creditor. 

Despite this timely and valid request, Bounce AI has not responded or provided any documentation to validate the alleged debt. Furthermore, I requested that all communication be conducted by U.S. Postal Mail only and that they cease further attempts to collect until validation is provided. They have continued to communicate with me electronically in violation of my request.

As of today, I have not received any validation materials, yet the company has not ceased collections activity. This is a violation of the FDCPA, which requires debt collectors to stop collection efforts until the debt is validated.

I am requesting that the CFPB investigate this matter and that Bounce AI cease all communication and collection efforts until proper debt validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
Somebody used my personal information to open a credit account and now I have a collection. The original creditor is from XXXX XXXX XXXX with a balance of {$140.00}. This account was opened XX/XX/year>. I came to notice on XX/XX/year> through an XXXX email address. I contacted L J Ross Associates In who flagged the account as Collection. L J Ross Associates address is XXXX, MI XXXX and phone number XXXX. L J Ross Associates only provided the address and email that was used to open the account. The address they used was XXXX XXXX XXXX, California and email address XXXX. I do not have any more information other than the account number which is XXXX. I do not have family members neither in Philadelphia or California. 

Also, I have an online police report from my county that has been approved and I have a permanent case number XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian for failing to remove inaccurate and unverifiable bankruptcy information from my credit report. 



On XX/XX/XXXX, I submitted a dispute directly to Experian, including a signed letter and official documentation from the U.S. Bankruptcy Court. The court clearly stated that they do not report consumer data to Experian and can not verify any bankruptcy entry. This proves the bankruptcy listing on my credit file is unverified and inaccurate. 



Experian responded with a vague form letter stating they could not act on my dispute because it didnt appear to be authorized by me, despite my clear signature and identity confirmation. They failed to properly investigate my claim or address the court documentation. 



Under the Fair Credit Reporting Act ( FCRA ), information that can not be verified with the furnisher must be removed. The court has stated they are not the furnisher and do not report this data. Experians refusal to remove the entry is a direct violation of the law. 



I am requesting that Experian be required to delete this unverifiable bankruptcy record immediately. 

Attached is the documents sent to Experian

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 2025-07-21 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX XXXX Refuses to Remove Fraudulent Account Despite Promise to Delete Letter and Full Payment To the Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX ( located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX | ( XXXX ) XXXX ) for failing to remove a fraudulent account from my credit report, despite multiple disputes and a written agreement to delete the account upon payment. 

Background : An account was reported on my credit report by XXXX XXXX that I did not open or authorize. 
I disputed the account multiple times with the credit bureaus and with XXXX XXXX, clearly explaining that I was not the responsible party and had no knowledge of the account. 
Despite my efforts, XXXX XXXX continued to verify the account as accurate, failing to provide adequate documentation or resolution. 
In an effort to minimize further damage to my credit, I paid the full amount of {$190.00} on XXXX XXXX XXXX, using my debit card ending in XXXX. 
I received a Promise to Delete Letter from XXXX XXXX ( signed by their representative, XXXX ), stating the account was paid in full and they would delete the account from all credit bureaus immediately. 
As of today, the account remains on my credit report and XXXX XXXX has failed to honor their written promise. 

Violations : XXXX XXXX actions appear to violate multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 611 ( 15 U.S. Code 1681i ) : Failure to reasonably investigate and correct inaccurate or fraudulent account information after a consumer dispute.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Duty to maintain maximum possible accuracy. Continuing to report a disputed account without properly verifying its legitimacy is a violation.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s-2 ) : Furnishing inaccurate information to a credit reporting agency after being notified by the consumer.

Breach of Contract : Failing to uphold the terms of their own written agreement to delete the account once payment was made in full. 

Requested Resolution : Immediate deletion of the account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) A written confirmation of the account deletion from XXXX XXXX Investigation and enforcement action from the CFPB for XXXX XXXX deceptive and noncompliant conduct I have attached a copy of the Promise to Delete Letter from XXXX XXXX as supporting evidence. 

Thank you for your attention to this matter. I respectfully request a thorough investigation and prompt resolution.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
My phone and bank information was stolen and I have the police report the bank only refunded me for 4 transaction but the other transactions was from the same businesses at the same time. I've been dealing with this issue since may and they refuse to refund my money. I have the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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.

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 2025-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
Sent XXXX XXXX to a contractor on XX/XX/year>. Never received the service from contractor. Made attempts to call to get the service or funds back. Contractor stopped all communication. Disputed transactions with the bank. They closed out the disputes because it was correct transactions. Their investigation only last 3-4 days. They never charge backed my account and didnt investigate properly for the breach of contract and potential fraud that took place.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
tried to open a checking account and a business checking account and was denied filed a FTC report the reference # 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 2025-07-21 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Formally requested a Chain of Assignment and the Forward Flow agreement. Never received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Inacurate account. Info cease reporting misleading account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Inacurate account. Info cease reporting misleading account

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Issue : Midland Credit Management and XXXX Violated FCRA Re-Aging, No Validation, and Incomplete Dispute Response I am filing a formal complaint against Midland Credit Management and XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
This complaint involves two collection accounts being inaccurately and illegally reported : Midland Credit Management XXXX XXXXXXXX XXXX Account # : XXXX Open Date : XX/XX/year> Balance : {$930.00} Midland Credit Management XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/year> Balance : {$1900.00} Violations Committed : 1. False Delinquency Reporting / Conflicting Dates Midland is reporting delinquency as early as XX/XX/year>, which predates the account open dates of XXXX and XX/XX/year>. This is chronologically impossible and violates FCRA 623 ( a ) ( 1 ) ( A ).

2. No Validation of Debt Midland has never provided : 1.A signed contract 2.Statements or breakdown of the balance 3.Chain of assignment Under FDCPA 809, they are required to validate the debt before collecting or furnishing data. They failed to do so. 
3. Improper Re-Aging of Debt After I filed a dispute, Midland did not produce any documentation. Instead, they updated the tradeline to reflect new balance update dates and continued collection status, even though : - I made no payments- There was no new activity - No legal update to the account occurred This is known as re-aging, and violates FCRA 623 ( a ) ( 5 ) and XXXX XXXX standards, which prohibit updating accounts without consumer activity. 
4. XXXX Failed to Investigate or Delete XXXX closed the dispute with a generic statement : The item you disputed has been updated. Please check your report. 
This does not meet the requirements of FCRA 611 ( a ) ( 7 ), which obligates the credit bureau to provide : - A description of the reinvestigation -The method used -The documents reviewed -The party contacted Instead, they allowed Midland to keep the accounts on file without any proof or documentation and failed to delete unverifiable data, which violates FCRA 1681i ( a ) ( 5 ). 
Resolution Requested : I am requesting the CFPB to : Investigate both Midland and XXXX for FCRA and FDCPA violations Complete deletion of both tradelines from XXXX XXXX XXXX to provide a complete investigation summary, as required by law I am attaching supporting files showing : 1.Contradictory open and delinquency dates 2.Midlands " before and after '' tradeline changes XXXX inadequate dispute response Thank you for your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 explanation