vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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.

1681c-2 ) that you, the Equifax Information 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 ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.I entered into a loan agreement with Comenity Capital. A tradeline reflecting this account was added to my credit reports shortly thereafter. On my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that Comenity Capital immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$260.00} AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} INQUIRIES : 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 XXXXXX/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
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-14 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: AR

Complaint narrative:
This letter is to dispute the presence of an unauthorized hard inquiry on my credit report. I have not applied for any financial product that would justify such an inquiry, and I believe this may have been made in error or fraudulently.

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 2025-07-14 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been unsuccessful in reaching out to EQUIFAX in regards to receiving information regarding a dispute for XXXX XXXX. I have disputed this account with other agencies and have been successful unlike EQUIFAX. XXXX XXXX  has not provided documentation verifying said debt. I have reached out numerous times to the company. This derogatory remark has affected the history of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Subject : Complaint Regarding Mishandling of Insurance Check by XXXX  XXXX  XXXX  # XXXX To Whom It May Concern, I am writing to file a formal complaint against my mortgage servicer regarding the gross mishandling of an insurance check related to my home loan # XXXX, serviced by Freedom Mortgage Company. 

On XX/XX/year>, I mailed my properly endorsed insurance check via overnight mail with paid and verified postage to the mortgage companys designated address. I personally witnessed a postal worker at the post office apply the correct postage. This was a {$32.00} service that I paid extra for. 

Despite this, I was later informed that the envelope allegedly had no postage and was not delivered properly. However, the most recent representative I spoke with acknowledged that the envelope did have postage for my check return Instead, the company then proceeded to mail the endorsed insurance check back to me via regular, unsecured mailwithout tracking or confirmation. Who sends a XXXX endorsed check in the mail with no confirmation or tracking. 

This level of miscommunication and negligence is unacceptable. The mishandling of such a critical financial document has delayed essential roof repairs to my home and placed me at unnecessary risk. I am concerned not only about the lack of professionalism, but also about the overall security and carelessness demonstrated in handling my funds. 

This experience has caused me undue stress, unnecessary delays in home repairs, and a complete loss of confidence in this mortgage servicers ability to responsibly manage customer matters. 

I request that your office thoroughly investigate this issue and hold the mortgage company accountable for any negligence or failure to follow reasonable business practices. I am happy to provide supporting documentation, including email correspondence, postage receipts, and any other materials necessary. 

Please feel free to contact me directly at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CO

Complaint narrative:
I have disputed this account for over two years. XXXX XXXX XXXX continues to report this account monthly to Equifax, despite never providing proof that I am the account holder. I have sent multiple certified letters ( last receipt # XXXX ) with no response. Equifax continues to show the account but has failed to remove or properly investigate it. 


This is a clear violation of the Fair Credit Reporting Act ( FCRA 611 ) and Colorado Revised Statutes XXXX. I am demanding removal of this account and enforcement action for ongoing harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
This charge-off account is inaccurate and must be removed. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am exercising my right to dispute information that is incomplete or unverifiable. The charge-off reported is either inaccurate, outdated, or the result of identity theft. 

If the creditor can not provide proper validation under 15 U.S. Code 1681b and 1681s-2 ( b ), it must be deleted. Continuing to report unverifiable or fraudulent information is a violation of federal law.

I request an immediate investigation and removal of this charge-off. Please provide written confirmation of your findings and actions taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize these hard inquiries, they are not mine I am a victim of FRAUD these inquiries are showing on XXXX  and transunion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-07-14 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:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experians failure to uphold consumer protections under the FCRA.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
Between XXXX and XX/XX/year>, Moss Law Firm, P.C., contracted by XXXX  XXXX, XXXX, engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) and multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). 
XX/XX/year> : A Cease & Desist letter, Debt Validation Request, and Settlement Offer were sent to XXXX  XXXX via certified mail and delivered on XX/XX/year>. No response was received. 
XX/XX/year> : A collection letter from Moss Law Firm dated XX/XX/year> was received, demanding {$2700.00}. 
XX/XX/year> and XX/XX/year> : Certified letters were sent to Moss Law Firm, each including a Debt Validation Request and a {$500.00} settlement offer. Deliveries were confirmed on XX/XX/year> and XX/XX/year>, respectively. 
XX/XX/year> : Moss responded stating they could not verify the debt. They failed to provide timely validation within the 30-day window required by FDCPA. Validation was not received until XX/XX/year> and consisted of XXXX pages of statementswell outside the statutory deadline. 
From XXXX XXXX XXXX, repeated phone calls were made seeking resolution. Moss representatives provided inconsistent and misleading information about how and when a written settlement letter could be issued. No notice was ever provided that their policy required 710 business days to draft a settlement letter until after verbal offers were made. Representatives gave conflicting statements on when the 10-day period started, creating confusion and obstruction. 
On XX/XX/year>, in a recorded call, a supervisor, XXXX XXXX, stated that if I declined or canceled the settlement offer, the firm would likely want to collect more. This constitutes coercive and deceptive collection conduct in violation of both FDCPA and XXXX. The use of threatening and pressure-based language designed to force acceptance under fear of escalation is abusive and unlawful. 

Additional misconduct includes unsolicited calls from unknown process servers and loan solicitation offers received shortly after collection activity began, suggesting unauthorized sharing of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XXXX XXXX I notified Comenity capital bank/ XXXX  account ending in XXXX that this account was opened fraudulently by someone other than myself without my permission, I did this by letter and included an Identity theft report through the FTC , I received a letter from the merchant on XX/XX/XXXX stating when the account was opened, the balance and last payment of XXXX XXXX it also stated the phone number, mailing address and email they have were verified as information used to open the account, I then requested this information on XX/XX/XXXX which included the phone number, email, full mailing address where statement were sent and proof of the XXXX payment made on XX/XX/XXXX be sent to my address, the merchant has not responded to this request and continues to ignore my dispute of this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
Dear Representative, I am submitting this formal dispute regarding the reporting of a repossession account by XXXX XXXX XXXX ( XXXX ) on my credit reports. The information being reported is inaccurate, incomplete, inconsistent between credit bureaus, and in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS 1099-C reporting regulations. 


Summary of Reporting Violations : XXXX. Conflicting Account Statuses The account is simultaneously reported as : - 'Sold ; was Charged-off ' - 'Purchased by another lender. Paid in full/was a charge off " This is contradictory and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires complete and accurate reporting.

2. Inconsistent Payment History Across Bureaus - TransUnion reports mostly 'OK ' payments with 30 days late in XX/XX/XXXX and repossession in XX/XX/XXXX. 
- Experian shows 30 days late in XX/XX/XXXX, with charge-off status extending from XX/XX/XXXX through XX/XX/XXXX. 
- Equifax shows a different charge-off and balance timeline entirely. 

These inconsistencies violate FCRA 607 ( b ), which mandates the 'maximum possible accuracy ' in consumer credit reporting.

3. Improper Balance Reporting Without 1099-C The account shows a {$0.00} balance, but no 1099-C was issued. If debt was forgiven, IRS 1.6050P-1 requires a 1099-C form for debt cancellation over {$600.00}. This makes the reporting incomplete and misleading.

4. Illegal Re-Aging of Account Some reports list the charge-off or delinquency beginning as late as XX/XX/XXXX, while the first signs of delinquency occurred earlier. This may constitute re-aging in violation of FCRA 605 ( a ) ( 4 ), which limits the reporting of negative accounts to 7 years from the true date of first delinquency.

5. Possible FDCPA Violation Continued Reporting After Sale If this debt has been sold or reassigned, XXXX XXXX may be misrepresenting the status of the debt by continuing to report it as charged off. This may violate FDCPA 807 ( 2 ) ( A ), which prohibits false representation of the character or legal status of a debt.

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 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper documentation and notification, please provide " Certified mail '' with receipt displaying my signature. If not please delete Account # XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

Company response to consumer: Closed with explanation