vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XX/XX/year> Account name COMENITYCB/XXXX  Account number XXXX XXXX XXXX XXXX, OH XXXX Re : Account No. XXXX Request for Validation, Securitization, and Cancellation Status To Whom It May Concern : This letter is a formal request under my rights pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I dispute the validity of the alleged debt referenced above and demand strict proof of your claim.

Accordingly, provide the following : 1. Validation of Debt Original signed contract or promissory note establishing liability.

Itemized accounting showing how the amount claimed was calculated.

Name and address of the original creditor.

2. Securitization Inquiry Disclosure of whether this account was sold, transferred, or securitized.

Identification of any trust, pool, or third party who has acquired an interest in this alleged obligation.

Chain of title and assignment history.

3. Cancellation or Discharge Status Written confirmation of whether this alleged debt has been charged off, forgiven, or cancelled.

If a Form 1099-C ( Cancellation of Debt ) was issued to the IRS, provide a copy.

Clarification of whether you are attempting to collect on a debt that no longer legally exists.

Take notice : until you provide the requested validation, you must cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agencies, as doing so without proper validation constitutes a violation of federal law. 

If you fail to comply, I will consider your claim null and void and reserve my right to pursue remedies under the FDCPA, FCRA, and other applicable state and federal laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-18 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: EdFinancial Services
State: IA

Complaint narrative:
Im writing regarding a 90-day late payment reported in XX/XX/XXXX across multiple student loan accounts. I am formally requesting a review of this reporting, as I believe there may be misinformation and errors associated with my account that warrant correction. 

When I contacted EdFinancial through the Consumer Financial Protection Bureau ( CFPB ), I was informed that notifications had been sent to an outdated email address : XXXX. That email account was deactivated by XXXX  XXXX University  in XXXX and has not been accessible to me for years. Additionally, I was told communications were sent to the phone number XXXX, which I can confirm has never been my number. I am unsure how this number was ever added to my account, which raises concerns about the accuracy and handling of my personal information. I believed my contact information had been updated and correct in your system, and I would never have knowingly left outdated or incorrect details tied to such an important account. 

Whats even more concerning is what I have discovered while reviewing my credit reports. I have attached files pulled directly from XXXX which show that, prior to XX/XX/XXXX, the accounts in question were reported as current with green checkmarks. However, following my dispute of the 90-day late entry, those same months are now displaying as No Data ( ND ) across all three credit bureaus : XXXX XXXX, and XXXX. This sudden change is inaccurate and deeply concerning. 

Additionally, please note that for one of my loans, XX/XX/XXXX is still being reported as on-time ( green ), while other related accounts for that same time period are now showing " No Data ''. This inconsistency across accounts within the same reporting period further demonstrates that there is inaccurate and conflicting information on file. 

Furthermore, please be aware that my full legal name is not accurately reflected on these accounts, and the email address referenced would have clearly shown as inactive if properly verified at the time of contact. These issues raise valid concerns under the Fair Credit Reporting Act ( FCRA ) regarding the completeness and accuracy of credit reporting. 

To support my concerns, I have included screenshots of my credit reports, along with the dates they were pulled, to demonstrate these discrepancies. Based on this evidence and the reporting errors outlined above, I am respectfully requesting that the 90-day late payments reported in XX/XX/XXXX be deleted from my credit report. 

This situation has had a significant negative impact on my credit profile and future financial plans. I am asking for your help in resolving this matter promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A loan was orginated in XXXX and XXXX That was transferred to XXXX XXXX XXXX XXXX and collected by Wells Fargo. After further checking this mortgage originated. At XXXX XXXX XXXX  in XXXX VA. 
Another place l have never visited and currently not in existence. The loan trail has vanished but mentioned a lender XXXX XXXX whom l never met. Again the condo was purchased for {$60000.00} in XXXX the refi is for {$190000.00} and did not mention this was a no cashout loan This type of loan only benefit the lender I have double the payments for this property. This is a scam and should be void.

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 2025-09-18 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: MA

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. 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-09-18 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover card was paid in full and agreement to remove from credit report was guaranteed. They refuse to remove it. Why would anyone pay off debts if the companies lie and don't keep their word. I owed XXXX XXXXXXXX it off XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SYNCB/Amazon ( Account # XXXX ) Reported as Closed in one section and Open in another. 

Shows Credit Limit = {$0.00} while still reporting balance/past due. 

Marked as Dispute Resolved Consumer Disagrees but continues reporting derogatory information. 

Violations : FCRA 1681s-2 ( b ) : Failure to update accurate status.

FCRA 1681i : Failure to conduct proper reinvestigation after dispute.

FDCPA 807 ( 8 ) : Reporting disputed debt without marking correctly. 

Count : 3 violations total is 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 2025-09-18 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: Experian Information Solutions Inc.
State: FL

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 2025-09-18 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: FL

Complaint narrative:
b"I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report (FTC REPORT NUMBER: XXXX as evidence of my claim.\nPursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four (4) business days.\n\n\nThe following information on my credit report is the result of identity theft and must be frozen:\XXXX XXXX XXXX\n\nPursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.\nI have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.\nI have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately."

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 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: VA

Complaint narrative:
I lock my debit card because so have been a victim of fraud. I can not have a new card issued at this time because I have several accounts tied to this card called SELF and the new program is called SELF CASH. I woke up to a notification that the payment failed to go through for {$54.00}, it was a cash advance. I called immediately and offered to pay right then. They said they couldnt accept the payment and my card would be recharged repeatedly. She told me to go in manually and do it on the app. There is no option to pay manually on the app! I asked to speak to someone else and there was no one else. I asked for a supervisor and she hung up. I didnt want {$54.00} to tank my credit. I have struggled to keep my XXXX and these people and their card have been a nightmare. I have attached a copy of the receipt that I tried to call and the young lady hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

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. 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. Equifax, XXXX XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive identified collection accounts on my credit report that I believe include incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, they must be removed.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-18 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 formally disputing fraudulent accounts listed on my credit report. These accounts do not belong to me, were not authorized, and are an entirely false addition to my file. Their inclusion has damaged the accuracy of my credit record and has negatively impacted my financial reputation.

Company response to consumer: Closed with explanation