vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
My ONLY name is XXXX XXXX XXXX and my ONLY address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And I am a victim of identity theft. there are incorrect names and addressed and fraudulent accounts and inquires reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This collection account shows a balance of {$11000.00} opened XX/XX/year>, last updated with no original creditor, and closed. Got it. Below is the * * revised dispute letter * * that * * explicitly cites 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * and strengthens your position regarding verification, improper contact, and XXXX  reinvestigation rights Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I exercised my right to dispute the accuracy and completeness of this account with XXXX. As required by law, any information furnished by your company must be fully verified and accurate.

Additionally, I previously requested proper debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), including the original verification of the debt with documentation bearing an original signature and proof that your company has the legal authority to collect this debt. You have failed to provide this information. 

Despite the lack of verification, your company has continued collection activity. This includes contacting me after permissible hours and communicating with me via text message without my consent. These actions constitute violations of 15 U.S.C. 1692c and 1692d.

Under federal law, once a debt is disputed and validation has been requested, all collection activity must cease until proper verification is provided. Furthermore, furnishing or continuing to report unverified or inaccurate information to consumer reporting agencies following a dispute may constitute a violation of 15 U.S.C. 1681s-2 ( b ).

At this time, you are required to immediately cease all collection activity related to this account. If you are unable to provide the requested verification, you must delete any reporting associated with this account from all consumer reporting agencies.

Any continued contact or reporting without proper verification will be documented and may result in complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
The company violated my legal rights under the Truth In Lending Act by failing to disclose an illegally high APR of over 200 % during their loan application process. This illegally high APR remained hidden during my repayment of the loan. Upon making almost all the loan payments for the amount I initially borrowed {$800.00}, the payment schedule changed and became longer and only at that time I realized the APR used was illegal and fraudulent, as it had been hidden during the entire process in direct violation of my legal rights. I emailed the company and requested the exact APR information and was shocked to learn they were charging me an illegally high rate of over 200 %. I then sent a demand for them to lower their APR to a legal amount. They refused and maintained that they were able to charge me this illegal rate of over 200 % even though they hide this information from me and fraudulent obtained the loan with their predatory practices. They have now sold the disputed account to a third party collection agency, despite my dispute and have provided them with my private contact information that I did not consent to, including my email address in further violation of my legal rights.

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 2025-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Parkway Financial Group, LLC
State: TX

Complaint narrative:
XX/XX/year> : I had told XXXX XXXX ( Loan Officer, XXXX XXXX ) to correct the sales consultant name ( XXXX XXXX ) on the Pre-closing XXXX  because she had spelled his name in all lower case but the other legal parties ' names were spelled correctly and I took offense to this, moreover, it was incorrect to have a human name without the first letter of the first and last name capitalized and I felt she was intentionally disrespecting and slighting our sales consultant XXXX XXXX due to previous discrimination from another sales consultant XXXX XXXX XXXX XXXX XXXX ) who had asked my wife if she was married to me and if she was then her name should be on the title. He was also pushy coercing to scale the stairs when she repeatedly told him she had pain going up them. So basically, because I requested XXXX amend the preforeclosure documents she stated to my Realtor XXXX XXXX that she stated I was " triggered '' easily because I noticed the error and stated that it must be my XXXX acting up as a reason for me to notice the error. But this is a legal contract not a love note where XXXX can just make incorrect XXXX however she wants with impunity. Please eliminate her from her position and a letter of reprimand. 

I will include text conversation : ( XXXX XXXX, XXXX ) " Hey brother, I just got off the phone with XXXX. 

She called me, wanting to let me know that she didnt mean any disrespect by having his name lowercase. 

We had a good conversation and she let me know her dad was a XXXX XXXX  during XXXX and goes through his own XXXX episodes so she does understand how small details XXXX trigger us for lack of better words She felt bad that she might have upset you and she did not mean to in anyway shape or form. 

On that note, she did request a new document to be sent over with his name in uppercase. However, this current one will need to be signed as it is the original document but shes put out a request for it to be changed. " " Yes I completely understand what you mean. I think just because she knows you and I are XXXX, started saying all that stuff about how we meaning veterans can get, and she used the word triggeredeasily. And she even brought her dad into the convo to basically let me know she understands us. But she just was telling me that She did submit to have the document changed and that she didnt mean to be disrespectful in anyway shape or form. 
We I got your XXXX brother " ( XXXX ) " XXXX XXXX, I would appreciate if we just focus on business and not anything about my personal life. Thank you for your cooperation and service to my loan needs. '' " I'm paying her for loan service not a therapy session.. lol. some folks will never understand! ''

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 2025-12-23 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number 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 2025-12-23 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
This letter serves as formal notice and demand regarding the XXXX XXXX XXXX account issued by Comenity Bank, which was fraudulently opened and/or used as the result of identity theft. 

I previously submitted a valid FTC Identity Theft Report, along with proof of identity and proof of address, identifying this account as fraudulent. This matter is not a dispute under the Fair Credit Reporting Act. I am not requesting validation, verification, or investigation. 

Pursuant to FCRA 605B and your obligations as a furnisher of credit information, you are required to cease all furnishing of identity-theft-related information and take appropriate internal corrective action.

Accordingly, I hereby demand that Comenity Bank : XXXX. Permanently close this account internally and flag it as identity theft XXXX. Cease all furnishing of this account to any consumer reporting agency XXXX. Ensure the account can not be reinserted or re-reported in the future XXXX. Confirm that no balance is owed, no collection activity will occur, and the account will not be sold or assigned XXXX. Provide written confirmation that the account has been closed internally due to identity theft This account has already been removed by other consumer reporting agencies and is currently the subject of an open CFPB complaint. This matter has also been submitted to my State Attorney Generals Office. 

Any continued internal activity or furnishing related to this account after notice will be documented as willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted them for over one year now to correct inadequate information that is on all three credit bureaus and nothing has been done. I have paid a couple of repair agencies to correct inquires as well as all the delinquent accounts and disputed ones that are NOT my account. I have been a victim of identity theft before.

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 2025-12-23 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: TX

Complaint narrative:
I have contacted them for over one year now to correct inadequate information that is on all three credit bureaus and nothing has been done. I have paid a couple of repair agencies to correct inquires as well as all the delinquent accounts and disputed ones that are NOT my account. I have been a victim of identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: EF CORPORATE HOLDINGS LLC
State: CA

Complaint narrative:
CFPB Urgent Update : Imminent Maturity and Foreclosure Risk Loan Number : XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I am submitting this urgent update to my CFPB complaint filed on XX/XX/XXXX. 
Despite my certified rebuttal letter dated XX/XX/XXXX, LendSure Mortgage Corp. has provided no response and has not corrected the disputed accounting issues described in my complaint and supporting exhibits already on file. 
Imminent Harm The loan matures on XX/XX/XXXX. 
LendSure has indicated it will demand payoff of the full {$310000.00}, including : o amounts never disbursed ( {$35000.00} holdback ), and o charges I have formally disputed as unlawful.

LendSure has threatened foreclosure and litigation if payment is not made.

Good-Faith Payment Position I am ready, willing, and able to tender the undisputed amount, which consists of : {$280000.00} actually disbursed, less the {$15000.00} payment made XX/XX/XXXX, which LendSure represented as a principal reduction. 
I dispute any obligation to pay interest or principal on the undisbursed {$35000.00}, as well as all late fees, daily penalties, and misapplied charges detailed in my complaint. 
Request Given the imminent maturity and foreclosure risk, I respectfully request that the CFPB : 1. Treat this matter as urgent supervisory review ; 2. Require LendSure and its servicer to provide a corrected payoff accounting ; and 3. Take appropriate steps to prevent enforcement action based on disputed and unresolved charges. 
Thank you for your attention to this urgent matter. 
XXXX XXXX XXXX XXXX Member, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit reports from TransUnion, Experian, and Equifax. On my TransUnion report, XXXX ( account number XXXX ) is reported as late and closed with a XXXX balance, and XXXX XXXX XXXX account number XXXX ) is reported as a charge-off with a balance of {$7200.00}. On my Experian report, XXXX ( account number XXXX ) is reported as closed and late with a XXXX balance, and on my Equifax report XXXX XXXX XXXX XXXX account number XXXX ) is listed as a charge-off with a {$7200.00} balance. I have never opened, authorized, or had any relationship with any of these accounts, and upon reviewing my personal financial records, I found no evidence of ever using these accounts. The reporting of these accounts is inaccurate and misleading, misrepresents my credit history, and has caused confusion, stress, and potential harm to my creditworthiness. I am concerned that the incorrect reporting could affect my ability to obtain credit, housing, or other financial services, as the accounts falsely suggest delinquencies or charge-offs that do not reflect my financial history. I have attempted to resolve this directly with each credit bureau and requested verification and removal of these accounts, but the inaccurate information continues to appear on my credit reports.

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 2025-12-23 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 filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX XXXX XXXX ( {$1200.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( {$280.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX  ( {$370.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$1100.00} ) ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within four business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information ( Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ; Dalton v. Capital Associated Industries, 257 F.3d 409 ( 4th Cir. 2001 ) ). I request that the CFPB investigate these violations and require the companies involved to permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Although the account was paid in full, it continues to be reported with late payment remarks.

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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
This complaint concerns inaccurate billing and servicing of a point-of-sale home improvement installment loan arranged by a contractor and assigned to Aqua Finance. The loan balance being serviced is incorrect and can not be reconciled to the contractors own records. 

The contractor issued an invoice dated XX/XX/year> stating Total paid {$53000.00}. This directly contradicts Aqua Finances position that {$53000.00} is still owed as principal. Aqua has never reconciled this invoice with the loan balance. 

Work was not complete when completion was certified. The contractor later issued a contract amendment in XXXX extending the completion date and admitted to the BBB that mold remediation was limited to a small area, despite billing for remediation of the entire attic and clearance testing. This contradicts the scope and completion relied upon for funding. 

I was led to believe the project would be paid from the financed amount, yet additional charges were taken on my credit card, increasing my out-of-pocket costs. These payments were not credited or reconciled in Aquas payment history.

I repeatedly requested a full accounting and reconciliation, including all down payments, credit card payments, dealer invoices, funding disbursements, completion certifications, and the complete loan origination record. Aqua provided incomplete and inconsistent information and continues to service and charge interest on an inaccurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
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 2025-12-23 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: CA

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