vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
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. 
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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.

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 2025-07-10 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:
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. 
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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : INQUIRY : XXXX Inquiry Date : XX/XX/year> XXXX XXXX : Under FCRA Section 604, a hard inquiry can only be placed with my express written authorization and for a permissible purpose. 
story : I do not recall authorizing this inquiry nor was I pursuing credit with this entity. There is no permissible purpose or signed consent provided. Please delete immediately as this is damaging my credit unlawfully. 

REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Freedom Mortgage regarding a series of misleading communications, misapplied payments, and what appears to be retaliatory credit reporting after I voiced dissatisfaction with their handling of my forbearance assistance. 

Here is a summary of the events : On XX/XX/year>, I contacted Freedom Mortgage to request forbearance assistance. I was told the request was in process. 

On XX/XX/year>, I followed up and was advised that I could make an extra payment toward the deferred balance. I made a payment of {$220.00}, based on this guidance. 

On XX/XX/year>, I made another extra payment of {$1000.00}, and was told both payments ( {$1200.00} total ) would reduce my outstanding balance. 

On XX/XX/year>, I confirmed that my payment plan paperwork was being prepared. I inquired whether I could apply the {$1200.00} to reduce the first scheduled payment due XX/XX/year>. I was told to wait until closer to that date. 

On XX/XX/year>, I called again to make an additional payment to shorten my repayment term. I was told the {$1200.00} was sitting in a suspended account and would only be applied to principal after the full payment term was complete. This was never explained before. I expressed my objection, as I needed those funds to fulfill the upcoming payments and was not in a position to overpay. 

On XX/XX/year>, I escalated the issue to a supervisor, who told me nothing could be done about the {$1200.00}. I explained that had I been properly informed, I would never have made these extra payments. After this call, Freedom Mortgage reported a negative mark to my credit even though I made my XX/XX/year> payment on XX/XX/year>, ahead of the due date and in line with the signed agreement. 

I am now at a loss of {$1200.00}, which I intend to dispute with my bank. This is not the first time Freedom Mortgage has applied my payments in a way I did not authorize or understand, resulting in financial harm. 

I lost my job for XXXX months and was seeking assistance in good faith. Instead, I was misled, my funds were tied up inappropriately, and I believe I was penalized with a credit ding for simply escalating my concerns. 

I am requesting the following : Immediate review and correction of my credit report. 

Release or refund of the {$1200.00} that was misapplied. 

Regulatory action against Freedom Mortgage for their misleading communication, mishandling of payments, and potential retaliatory behavior. 

Please investigate this matter promptly. I am happy to provide supporting documentation and call logs if needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Disputed Inquiry : XXXX XXXX Date : XX/XX/year> Issue : Duplicate inquiry from same creditor on same day Law Reference : FCRA 604 requires that hard inquiries must be accurate and necessary for a permissible transaction. 
Statement : The duplicate inquiry from XXXX XXXX on the same day is inaccurate and likely a reporting error. This creates unnecessary negative impact on my credit score. I demand its deletion as it does not reflect any valid transaction or consent REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-10 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 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!

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 2025-07-09 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering 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. 

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 explanation
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
Hello my name is XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. Please remove it 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 2025-07-09 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: FL

Complaint narrative:
The documents provided do not satisfy the federal requirements for validation under 15 U.S.C. 1692g ( b ). You failed to provide : - A copy of the original contract with my signature, - Complete accounting records of the debt from the date of origination through to charge-off and sale, - A legal chain of custody/assignment from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and then to your agency.

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 2025-07-09 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: FL

Complaint narrative:
The documents provided do not satisfy the federal requirements for validation under 15 U.S.C. 1692g ( b ). You failed to provide : - A copy of the original contract with my signature, - Complete accounting records of the debt from the date of origination through to charge-off and sale, - A legal chain of custody/assignment from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then to your agency.

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 2025-07-09 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: FL

Complaint narrative:
The documents provided do not satisfy the federal requirements for validation under 15 U.S.C. 1692g ( b ). You failed to provide : - A copy of the original contract with my signature, - Complete accounting records of the debt from the date of origination through to charge-off and sale, - A legal chain of custody/assignment from the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and then to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
I requested validation of the XXXX account including a signed promissory note, disbursement record, and proof of authorization. None has been provided. I also requested that the tradeline be deleted within 72 hours under FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I went to a hair removal company called laser away in XX/XX/year>. They told me that they can let me pay the package in months. I was not very sure but they said its interest free, so I agreed. I signed the agreement and did not realize that it was a credit card that I was applied. It is called XXXX credit. I called them once and they said that I can set up the autopay and they will deduct the amount from my bank card. I did not have the real card and I did not check the statement for a long time. On their website they only showed the amount that I need to pay. This month I checked online and found that they charged me XXXX dollars interest because I did not pay the whole thing before the promotion date ended. I was not very clear about the promotion period since I have never been through this before and I thought they will just divide the whole amount of money monthly for me to pay. I do not think that they have made it clear to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
this company has been harassing me and my wife for weeks. they wont say who they are i have to XXXX the phone numbers because there are multiple numbers. They call 2-4 times a day between 2 phone numbers looking for me. I want a validation of debt before i talk to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: MO

Complaint narrative:
My vehicle was repossessed by Westlake Financial, and I believe it was done unfairly and without following the proper procedures. I fell behind on payments due to wage garnishments and financial hardship, but I was making efforts to recover. I told Westlake that the repeated phone calls felt harassing. I did not send a written cease and desist, but after that phone call, they completely stopped all communication. I never received a final notice or opportunity to cure the default. 

Then, my car was repossessed with no warning, and I was never contacted about reinstating the loan or getting the vehicle back. I have since tried to contact them, but they have not provided any further information. I have contacted legal help because I believe this violates my consumer rights and Missouris laws. This has caused extreme hardship, job risk, and emotional stress. I am seeking investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit file from Equifax and noticed inquiries from companies XXXX XXXX XXXX XXXX XXXX that I have no relationship with and never gave permission to access my credit.

Company response to consumer: Closed with explanation