vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX - Credit card - opened XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - collection - opened XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX XXXX XXXX  XX/XX/XXXX CERTIFIED CREDIT REPORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I contacted Fit Mastercard and told them I had fraud on my account and they have not completed the charges, credits or provide a new card- When calling them a guy told me to PAY MY BILL and XXXX XXXX  Its always routed to out of the country people who I can not understand nor get any help from! The are reporting inaccurate late fees and balances and fraud on my report

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 2025-07-16 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: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In XX/XX/year>2025 I paid an auto loan off. Instead of being a positive effect on my credit, Equifax took XXXX points from my credit score. There are no negative comments, missed payments or anything on my record. This should have been a positive effect on my credit. I have to check on my credit with the credit bureaus almost on a daily basis. Records are not reported correctly. 
It's very discouraging to have to fight for your good credit on a daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CL Holdings LLC
State: MS

Complaint narrative:
I am filing this complaint against XXXX  and Jefferson Capital Systems , LLC due to violations of the Fair Credit Reporting Act ( FCRA ) stemming from their inaccurate and misleading credit reporting, failure to conduct a reasonable reinvestigation, and continued publication of demonstrably false data, which has resulted in material harm. 

Jefferson Capital Systems is currently reporting a collection account on my XXXX  credit report with a {$540.00} past due balance. This is factually inaccurate and violates the FCRA. A collection account is not an open, revolving, or installment account and can not carry a past due balance. The original creditor has charged off the debt, and Jefferson Capital has no legal basis to classify the balance as past due. 

I submitted a formal dispute to XXXX, citing this inaccuracy, and requested correction. XXXX  responded that the item had been verified with Jefferson Capital and declined to make any changes. They also state Meets requirement of the FCRAon my report. This is a textbook violation of FCRA 15 U.S.C. 1681i, which requires the credit bureau to perform a reasonable reinvestigation, and of 15 U.S.C. 1681s-2 ( b ), which requires the furnisher ( Jefferson Capital ) to report information accurately and to correct or delete information found to be inaccurate or unverifiable. 

Despite my good-faith effort to resolve this matter through the credit reporting dispute process, both XXXX  and Jefferson Capital Systems have : Willfully continued to publish materially inaccurate information Misrepresented the nature and status of the debt Caused me reputational and financial harm by damaging my creditworthiness I reserve all rights to pursue further legal action under the FCRA should this issue not be resolved to my satisfaction. I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take enforcement action accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I reviewed my credit report today like I normally do, but unexpectedly found some discrepancies. I thought it might just be a temporary glitch and refreshed my browser, but the inaccurate accounts remained. Given this issue, I kindly request that you carefully review the documents I submitted so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the 15-day timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Citi XXXX XXXX XXXX  card on XX/XX/year>, specifically for the 0 % balance transfer offer. On XX/XX/XXXX, I initiated a {$13000.00} transfer to XXXX XXXX  to pay off a personal loan. On XX/XX/XXXX, a Citi representative told me the check had been sent that day, confirmed again by the fraud department. 

On XX/XX/XXXX, after the check had still not been processed by XXXX, I contacted Citi chat support. The representative stated the check had just gone out on XX/XX/XXXX, contradicting the XX/XX/XXXX confirmation. I asked if alternatives were available to expedite the payment, including : Could we cancel the check, transfer the funds to my bank account, and I pay the creditor? 

Instead of answering, the agent immediately placed a stop payment on the check without my consent or confirmation. I never authorized this cancellation. 

I was transferred to XXXX, but because of XXXX rigid process, I was told : - I now must wait until the funds are returned to my card ( XXXX  days ), - Re-initiate the transfer ( which takes XXXX  days ), - Wait another XXXX days for the creditor to process the new check. 

This erroradmitted by XXXX caused avoidable financial harm, including over a month of daily interest accrual on my XXXX loan. Citi refused to provide any reasonable alternative, such as an expedited transfer or a direct deposit to my bank account. A XXXX admitted the decision was driven entirely by XXXX automated systems, with no human discretion available. 

This incident demonstrates a serious failure of consumer protection, fair communication, and procedural safeguards.

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 monetary relief
Consumer complaint received 2025-07-16 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-16 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-07-16 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: United Funding Logistics, LLC
State: TX

Complaint narrative:
Paid XXXX a month for credit repair and XXXX for lifetime disputes

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I received a phone call from XXXX on XX/XX/year> at XXXX XXXX. The number showed up as " private '' so I did not immediately answer it. The voicemail that was left stated that they were looking for my son as they had documents they would be personally delivering the following day between XXXX and XXXX. I immediately called my son and passed along the odd message. This morning my son calls the number and then they start discussing a debt related to me. He called me with the total cost of the debt as they had discussed my debt information with my son. He doesn't know my information to validate the call so why were they discussing my personal debt with my son? I've never had a debt collector call family and discuss in-detail about my debt with 3rd parties. 

The company is XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
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 non-monetary relief
Consumer complaint received 2025-07-16 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: WA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX ; Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am writing to dispute a late payment that has been reported inaccurately on my credit report. Ive always managed my financial responsibilities with care and have documentation showing that the payment was made on time.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Explanation of Identity Theft and Request for Blocked XXXX - Follow-up to Declined Request To Whom It May Concern : This letter provides a detailed explanation of the identity theft I have experienced and serves as a formal follow-up to your communication declining my previous request to block fraudulent information from my credit report. I am providing additional comments as requested by your recent correspondence.

On an unspecified date prior to my discovery, unauthorized accounts were opened in my name without my knowledge or permission. These fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I specifically noted an inaccuracy on my credit report where a delinquency date for XXXX of these accounts appeared before its reported open date, which is impossible. 
Upon discovering this fraudulent activity, I immediately took action. On an unspecified date, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). The FTC Report Number associated with this incident is XXXX. This report comprehensively details the fraudulent accounts, including their respective fraud and discovery dates. 
Subsequently, I submitted a request to XXXX  to block these fraudulent accounts from my credit report. This request included my FTC Identity Theft Report, a copy of my government-issued identification, and a recent financial statement ( dated XX/XX/year> ) for proof of address, as per standard requirements. 
Despite providing these documents and the official FTC report, my request to block the information was declined by XXXX XXXXs communicated in your recent notice. I am now providing this statement to further elaborate on the situation and reiterate the fraudulent nature of these entries. 
I am a victim of identity theft and did not authorize the opening or use of any of the aforementioned accounts. I request that XXXX review this information again and fulfill its obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to block these fraudulent accounts from my credit report.

I understand that false statements may result in criminal penalties. All information provided herein and in previous submissions is truthful and accurate to the best of my knowledge.

Thank you for your attention to this critical matter. I look forward to the prompt resolution and removal of this fraudulent information from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief