vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bliksum, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX a loan was obtained in my name for {$5400.00} with XXXX, XXXX the account ending in XXXX, the Loan was charged off XX/XX/XXXX, they said payments were made of {$2900.00} and that I stop making payments. They did not have any record of what monthly payments were. XXXX XXXX XXXX XXXX, XXXX A limited Liability Company claims they acquired the loan and was working with XXXX XXXX XXXXXXXX XXXX ( SBN XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and file a Judgement against me in XXXX. During that time from XXXX I never receive written notice was ever sent to me indicating that I was late or in default on the loan, no communication was provided informing me that the original loan would be sold, transferred, or assigned to another entity. including any debt collector or third-party servicer. The debt did show up on my Credit Report as balance XXXX, closed/never late during that time, date open XXXX, last activity XX/XX/XXXX, XXXX XXXX, XXXX due XXXX and last reported XX/XX/XXXX. I never pay attention to my credit report and did not take action because it said i did not owe anything and at that time I was not really aware of the dispute process and cleaning your credit up. I file bankruptcy in XX/XX/XXXX, and on the Bankruptcy Credit Report it show up on Liabilities without balances, and they had a creditor meeting XX/XX/XXXX and they did not appear to dispute the loan that show a XXXX balance.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 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:
See the attached documents.

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
Finance fraudulent account Fraudulent Inquiries Identified XXXX XXXX XXXX XXXX Legal Basis for Immediate Deletion Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : Consumers who provide a valid identity theft report are entitled to block and have permanently removed any fraudulent information from their credit reports. 
Consumer reporting agencies must honor this request within XXXX business days of receipt. 
Additionally : 15 U.S.C. 1681i & 1681s-2 ( b ) : Reporting the same debt twice under different furnishers is inaccurate, misleading, and unlawful.

15 U.S.C. 6802 ( GLBA ) : Protects consumers against unauthorized disclosure and use of personal information.

Relief Requested I am requesting the CFPBs intervention to ensure that : XXXX. All fraudulent accounts and inquiries listed above are immediately deleted from my Equifax, Experian, and TransUnion reports. 
XXXX. XXXX XXXX and XXXX XXXX XXXX duplicate/double reporting is permanently removed and not reinserted under any variation. 
XXXX. Furnishers are ordered to cease reporting these accounts permanently. 
XXXX. All credit bureaus provide me with updated, corrected credit files confirming deletion. 
Attached : FTC Identity Theft Report ( XXXX XXXXXXXX ) Proof of Address & Identification Declaration : I affirm under penalty of perjury that the information provided is true and correct to the best of my knowledge.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Finance fraudulent account Fraudulent Inquiries Identified XXXX XXXX XXXX XXXX Legal Basis for Immediate Deletion Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : Consumers who provide a valid identity theft report are entitled to block and have permanently removed any fraudulent information from their credit reports. 
Consumer reporting agencies must honor this request within XXXX business days of receipt. 
Additionally : 15 U.S.C. 1681i & 1681s-2 ( b ) : Reporting the same debt twice under different furnishers is inaccurate, misleading, and unlawful.

15 U.S.C. 6802 ( GLBA ) : Protects consumers against unauthorized disclosure and use of personal information.

Relief Requested I am requesting the CFPBs intervention to ensure that : XXXX. All fraudulent accounts and inquiries listed above are immediately deleted from my Equifax, Experian, and TransUnion reports. 
XXXX. XXXX XXXX and XXXX XXXX XXXX duplicate/double reporting is permanently removed and not reinserted under any variation. 
XXXX. Furnishers are ordered to cease reporting these accounts permanently. 
XXXX. All credit bureaus provide me with updated, corrected credit files confirming deletion. 
Attached : FTC Identity Theft Report ( XXXX XXXXXXXX ) Proof of Address & Identification Declaration : I affirm under penalty of perjury that the information provided is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MA

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 
I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

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 2025-09-24 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: TX

Complaint narrative:
I am filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

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 2025-09-24 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: NC

Complaint narrative:
My credit report contains inaccurate personal information, including incorrect names and addresses. Specifically, the report lists names such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, none of which are entirely correct. The report also shows incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . Additionally, there are credit inquiries listed from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ), which I believe are either inaccurate or not valid. Despite my previous disputes pointing out these errors, they have not been corrected, and this inaccurate information continues to appear on my credit report. This has negatively impacted my creditworthiness and my ability to obtain credit.

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 2025-09-24 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: NC

Complaint narrative:
My credit report contains inaccurate personal information, including incorrect names and addresses. Specifically, the report lists names such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, none of which are entirely correct. The report also shows incorrect addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . Additionally, there are credit inquiries listed from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ), which I believe are either inaccurate or not valid. Despite my previous disputes pointing out these errors, they have not been corrected, and this inaccurate information continues to appear on my credit report. This has negatively impacted my creditworthiness and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Edit this section What happened?

I took out a line of credit for {$150000.00} in XXXX and I only made 1 withdrawal for {$30000.00} to purchase 2 properties at XXXX  XXXX, I got divorced in XXXX and my husband got 1 of the properties and I sold my property and made {$50000.00} and I paid back XXXX  XXXX XXXX the {$30000.00} from the line of credit! I own another house at XXXX XXXX that I purchased for {$23000.00} and I took off {$60000.00} to buy the home I currently live in for {$110000.00}. I won a lawsuit for XXXX and I received {$50000.00} and I paid off my mortgage with that money, and got XXXX XXXXXXXX in XXXX and someone took out a line of credit for {$60000.00} of my house at XXXX XXXX and the same year they took out {$92000.00} in XXXX of my home line of credit in XXXX when I was XXXX  XXXX! I did not receive no {$92000.00} of my houses or {$60000.00}! I have the title for my house that I paid off the {$110000.00} and XXXX XXXX was sold and XXXX  XXXX XXXX received {$120000.00} and XXXX XXXX was paid off for and they still tellling me I owed them {$150000.00} which I am asking them to show me who they gave {$92000.00} in {$2000.00} and {$60000.00} in XXXX off my properties! I have the deed and title for my house saying my mortgage has been satisfied and they still reporting to the credit bureau I owed them {$150000.00} that I have been paying from my social security money because they keep on sending me threatening letters they going to foreclosure my property if I do not pay them and I had short terms memory because I was XXXX XXXX and was on a lot of XXXX XXXX and XXXX XXXX XXXXXXXX gave me a lawyer whose name is XXXX and his phone number is number is ( XXXX ) XXXX and he is the one provided me and tell send me my title and house is paid off for and I do not owe XXXX  XXXX XXXX any money and they owed me {$60000.00} on XXXX XXXX house and {$150000.00} in line of credit that I have been paying for that money I did not receive in XXXX and I they keep threatening to foreclose on my property

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
E

dit this section What happened? I took out a line of credit for {$150000.00} in XXXX and I only made 1 withdrawal for {$30000.00} to purchase 2 properties at XXXX  XXXX, I got divorced in XXXX and my husband got 1 of the properties and I sold my property and made {$50000.00} and I paid back XXXX  XXXX XXXX the {$30000.00} from the line of credit! I own another house at XXXX XXXX that I purchased for {$23000.00} and I took off {$60000.00} to buy the home I currently live in for {$110000.00}. I won a lawsuit for XXXX and I received {$50000.00} and I paid off my mortgage with that money, and got XXXX  XXXX in XXXX and someone took out a line of credit for {$60000.00} of my house at XXXX XXXX and the same year they took out {$92000.00} in XXXX of my home line of credit in XXXX when I was XXXX  XXXX! I did not receive no {$92000.00} of my houses or {$60000.00}! I have the title for my house that I paid off the {$110000.00} and XXXX XXXX was sold and XXXX  XXXX XXXX received {$120000.00} and XXXX XXXX was paid off for and they still tellling me I owed them {$150000.00} which I am asking them to show me who they gave {$92000.00} in {$2000.00} and {$60000.00} in XXXX off my properties! I have the deed and title for my house saying my mortgage has been satisfied and they still reporting to the credit bureau I owed them {$150000.00} that I have been paying from my social security money because they keep on sending me threatening letters they going to foreclosure my property if I do not pay them and I had short terms memory because I was XXXX XXXX and was on a lot of XXXX XXXX and XXXX  XXXX XXXX gave me a lawyer whose name is XXXX and his phone number is number is ( XXXX ) XXXX and he is the one provided me and tell send me my title and house is paid off for and I do not owe XXXX  XXXX XXXX any money and they owed me {$60000.00} on XXXX XXXX house and {$150000.00} in line of credit that I have been paying for that money I did not receive in XXXX and I they keep threatening to foreclose on my property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I noticed the issue XX/XX/year>, when I attempted to purchase a vehicle, where I was denied, which led me to check my credit report where I seen accounts that I never had knowledge off nor authorized. I did not provide written permission or instructions for the identified transactions to be reported to the credit report. I am requesting that the reporting of this information be blocked and deleted. My request to delete is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. My consumer rights are being violated due to them reinserting accounts on my profile that have been deemed unverifiable. Under the law 15 USC 1681B & 15 USC 1681C-2 I shouldnt be held responsible because they shouldnt be furnishing any accounts thats open to identity fraud nor did I authorize permission to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 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:
There is information on my consumer report that is a result of identity theft. I noticed the issue XX/XX/year>, when I attempted to purchase a vehicle, where I was denied, which led me to check my credit report where I seen accounts that I never had knowledge off nor authorized. I did not provide written permission or instructions for the identified transactions to be reported to the credit report. I am requesting that the reporting of this information be blocked and deleted. My request to delete is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. My consumer rights are being violated due to them reinserting accounts on my profile that have been deemed unverifiable. Under the law 15 USC 1681B & 15 USC 1681C-2 I shouldnt be held responsible because they shouldnt be furnishing any accounts thats open to identity fraud nor did I authorize permission to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I noticed the issue XX/XX/year>, when I attempted to purchase a vehicle, where I was denied, which led me to check my credit report where I seen accounts that I never had knowledge off nor authorized. I did not provide written permission or instructions for the identified transactions to be reported to the credit report. I am requesting that the reporting of this information be blocked and deleted. My request to delete is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. My consumer rights are being violated due to them reinserting accounts on my profile that have been deemed unverifiable. Under the law 15 USC 1681B & 15 USC 1681C-2 I shouldnt be held responsible because they shouldnt be furnishing any accounts thats open to identity fraud nor did I authorize permission to do so. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : Qualia Collection Services - Account Number ( masked ) : XXXX - Status Reported : Collection ( XXXX XXXX ) This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company response to consumer: Closed with explanation