vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because Equifax is reporting fraudulent, reinserted, and unverifiable accounts on my credit report, despite prior disputes and my FTC Identity Theft Report ( Report # XXXX ). 

The following accounts are fraudulent and were opened without my authorization due to identity theft connected to the Equifax data breach : These accounts were previously disputed and removed, yet Equifax has since reinserted them without notifying me in writing, in violation of FCRA 611 ( a ) ( 5 ) ( B ). They also failed to block the identity theft accounts as required under FCRA 605B, despite receiving all documentation, including my FTC report, a notarized affidavit, and my official statement.

Equifax continues to : Report accounts not connected to my address or identity.

Fail to provide verification or reinvestigation results.

Allow debt buyers like XXXX XXXX XXXX to furnish unverifiable data. 

Violate Metro 2 compliance by failing to use proper reinsertion codes.

Cause me emotional and financial harm through inaccurate reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am writing to formally dispute the late payments and/or the entire tradeline reported by XXXX XXXX on my credit report. Attached are several letters from XXXX referencing late payments and a loan modification program ; however, none of these letters were addressed to me personally. This raises serious concern, as it is the responsibility of XXXX to directly notify all impacted borrowersincluding myselfof any changes or modifications regarding their mortgage account. To date, I have never received proper notice or communication from XXXX regarding these supposed late payments or any modification to my loan terms. As a result, these derogatory marks have been reported in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at risk of being unable to secure a mortgage for a new homesomething that could impact me and my family for years to come.

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 2025-07-21 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: NE

Complaint narrative:
I am writing to formally dispute the late payments and/or the entire tradeline reported by XXXX XXXX on my credit report. Attached are several letters from XXXX referencing late payments and a loan modification program ; however, none of these letters were addressed to me personally. This raises serious concern, as it is the responsibility of XXXX to directly notify all impacted borrowersincluding myselfof any changes or modifications regarding their mortgage account. To date, I have never received proper notice or communication from XXXX regarding these supposed late payments or any modification to my loan terms. As a result, these derogatory marks have been reported in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at risk of being unable to secure a mortgage for a new homesomething that could impact me and my family for years to come.

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 — Account information incorrect
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report.

Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act.

It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Portfolio Recovery Associates, XXXX XXXX XXXX, and XXXX for FCRA and FDCPA Violations Dear CFPB Officer, I am filing this formal complaint against the following entities : 1. Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entities have been engaged in illegal and damaging credit reporting practices, including : - Reporting charged-off accounts with active balances in violation of FCRA 605 ( a ) - Updating balances during active disputes in violation of FCRA 611 - Failure to provide required debt validation under FDCPA 809 ( b ) - Misclassifying collections as closed accounts with balances - Failing to issue IRS 1099-C or provide chain of custody for debt ownership - Inflating my debt-to-income ratio through unlawful reporting practices These violations are materially affecting my ability to secure credit and misrepresenting my financial profile. Attached is my detailed dispute letter sent to the creditors and credit reporting agencies, which includes a violation chart and 20 legal questions they have failed to answer.

Requested Relief : - Immediate investigation into the reporting conduct of the above entities - Removal or correction of all inaccurate tradelines- Enforced accountability for non-compliance and penalties as appropriate Sincerely, XXXX XXXX XXXX

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 is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
i pulled my credit report and credit collections was on there which is allstate .. Ive never had allstate for anything

Company public response: Company can't verify or dispute the facts in the complaint
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: Kovo
State: NY

Complaint narrative:
To Whom It May Concern : I am writing regarding an account you have reported to the credit bureaus under my credit profile. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, consumers have the right to block and remove any information resulting from identity theft or unauthorized accounts from their credit report. 

This account is being reported inaccurately and is not authorized by me. Therefore, you are required to promptly block and delete all information related to this account from all consumer reporting agencies to which you have furnished this data. 

Please consider this a formal demand to : Immediately remove and cease reporting this account to any credit reporting agency. 

Provide written confirmation of the deletion within 15 calendar days of your receipt of this letter.

Failure to comply with FCRA Section 605B will result in legal action to protect and enforce my consumer rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available remedies under law. 

Thank you for your immediate attention to this serious matter. I look forward to receiving written confirmation that this account has been removed from my credit file without delay. 

Sincerely, XXXX XXXX XXXX XXXX.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has harmed my credit and credit score. I previously contacted your agency and was assured these inquiries would be removedyet they remain. This failure to act is unacceptable.

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: EQUIFAX, INC.
State: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern i recently got a copy of my credit report and immediately noticed that i have been a victim of identity theft.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 CA XXXX INQUIRIES : XXXX  Date : XX/XX/year> XXXX Date : XX/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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I tried to pay the balance off in full multiple times before the due date but they kept rejecting my payment I called the bank they said its not on there end I called comenity bank they say its my bank I tried to pay the balance with my wifes debit card still no luck now mind you I was on auto for {$50.00} per month not the minimum balance I dont have a problem paying my bills on time I take pride paying my bills on time I worked hard to get a XXXX XXXX XXXX and I dont want any negative marks on my credit report please help I have no problem paying my debt but pay my bills on time so I dont have any late charges on top of the monthly payments

Company response to consumer: Closed with monetary relief
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: CA

Complaint narrative:
Fraudulent accounts linked to identity theft have appeared on my consumer report without my written authorization or wet signature. I previously contacted your organization regarding this matter and am formally demanding the immediate blocking and removal of these unauthorized accounts from my report. These fraudulent entries have caused significant emotional and financial distress by inaccurately representing my credit history and financial responsibilities. The presence of these items has severely impacted my ability to achieve critical financial goals, including purchasing a home and providing for my family 's needs. If this matter is not resolved appropriately, I am prepared to pursue legal action to protect my rights and obtain proper resolution.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have come to discover that a couple years ago my information was exposed in the Equifax data breach. At that time as a young man, I was not familiar with how to go about accessing or checking my credit report. I have now discovered on my credit report that there are several fraudulent accounts that appear to be open and active that were not done by me. The fraudulent accounts are, missionlntab {$320.00}, XXXX XXXXXXXX {$760.00}, XXXX {$510.00}, XXXX XXXX {$590.00}, XXXX {$280.00}, XXXX XXXXXXXX {$550.00}, XXXX XXXX XXXX {$2200.00}, XXXX {$560.00}, XXXX {$170.00}, XXXX XXXX XXXX {$2200.00}, XXXX XXXX XXXX  {$870.00}, XXXX XXXX XXXX  {$3200.00}, XXXX XXXX {$0.00}

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