vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX I put a payment on for XX/XX/XXXX, for the total credit balance that should have zeroed out this account before the XXXX cycle statement close. Based the disclaimer shown when putting on my payment and all the other times, and even after confirming from a previous call from a customer service agent at XXXX XXXX XXXX this is the pattern and how this {$620.00} payment should have been applied. Instead it was held off the statement, put in and backdated as of XX/XX/year> on my activity. This accounting error caused a spike, and credit reporting of close to XXXX XXXX utilization on this card, dropping my current credit scores by XXXX points. We are in process of trying to qualify for a mortgage, and are right on fringe and this sudden drop just put me outside where I need to be. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX {$760.00} XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX Inquiries XXXX  XX/XX/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 2025-07-23 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I've provided proof multiple times including police reports to Experian, EQUIFAX, and TRANSUNION including my ID and SSN card to prove my identity and that these accounts do not belong to me this is my third and FINAL TIME asking for these items to be removed. They are sending me letters asking for me to mail my ID and SSN card on a piece of paper to mail to them which I refuse because it is not safe due to me already having my identity stolen and me providing my ID and SSN to the cfpb to prove my identity. If they do not permanently remove this information from my credit report or send me documentation showing proof that I opened these accounts showing my ID or me signing up for these accounts I will be taking legal action immediately. My lawyer has already filed a compliant with all of the companies involved as well as. Failure to comply with the FCRA can expose CRAs and furnishers to legal and financial consequences. Consumers can seek damages when a CRA negligently or willfully disregards its obligations. Willful violations can result in statutory damages ranging from {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
Transunion XXXX XXXX XXXX * Equifax XXXX XXXX XXXX * In accordance with the fair credit reporting act, 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am filing a complaint regarding multiple unauthorized hard inquiries reported on my credit file dated XX/XX/year>, which I did not authorize or initiate. These inquiries are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These hard inquiries are causing harm to my credit profile and were added without my knowledge or consent. I formally requested a method of verification under 15 U.S.C. 1681i ( 7 ), which requires the credit bureau to describe in detail the reinvestigation procedures and provide the name, address, and contact information of any furnisher contacted. I also asked for : The name of the original creditor, The documentation used to verify the inquiries, The person or department who verified the dispute, and A detailed explanation of the procedures used to ensure data accuracy under 15 U.S.C. 1681e ( b ).

To date, I have not received any of the required information within the 15-day period outlined by law. Therefore, these inquiries are unverified and must be deleted immediately. Failure to do so is a direct violation of the FCRA, and I reserve the right to seek legal remedies under 15 U.S.C. 1681n and 1681o, which outline civil liability for willful or negligent noncompliance.

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 2025-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. According to my recent credit report obtained from your bureau, the following inquiry/inquiries were made without my knowledge or consent : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, a credit reporting agency may only furnish a consumer report to a person or organization that has a permissible purpose, such as my written instruction or application for credit. I did not authorize these inquiries, nor have I had any dealings or applied for credit with the listed companies. 

I formally request the immediate removal of these unauthorized inquiries from my credit file. Additionally, I request that you investigate and provide me with the following : The name and contact information of the party that initiated the inquiry. 

Documentation proving that I authorized the inquiry. 

If these inquiries are found to be unauthorized, please remove them promptly, as required under FCRA 1681i ( Procedure in case of disputed accuracy ).

Please complete this investigation within the required 30-day time frame from the date of receipt of this dispute, as mandated by the FCRA. Upon completion, I request written confirmation of the results of the investigation and an updated copy of my credit report reflecting the corrections made.

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 2025-07-23 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. According to my recent credit report obtained from your bureau, the following inquiry/inquiries were made without my knowledge or consent : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, a credit reporting agency may only furnish a consumer report to a person or organization that has a permissible purpose, such as my written instruction or application for credit. I did not authorize these inquiries, nor have I had any dealings or applied for credit with the listed companies. 

I formally request the immediate removal of these unauthorized inquiries from my credit file. Additionally, I request that you investigate and provide me with the following : The name and contact information of the party that initiated the inquiry. 

Documentation proving that I authorized the inquiry. 

If these inquiries are found to be unauthorized, please remove them promptly, as required under FCRA 1681i ( Procedure in case of disputed accuracy ).

Please complete this investigation within the required 30-day time frame from the date of receipt of this dispute, as mandated by the FCRA. Upon completion, I request written confirmation of the results of the investigation and an updated copy of my credit report reflecting the corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
XXXXI sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX  ACC # XXXX BALANCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
These accounts are fraudulent and were created without my knowledge. As authorized by USC 1681g, I am demanding their removal from my credit file within 15 days. Proof is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: AL

Complaint narrative:
[ XXXX XXXX XXXX ] XX/XX/year> ] Jefferson Capital Systems LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute of Debt Request for Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt in the amount of {$1800.00} that has been reported under my name and is being handled by Jefferson Capital Systems LLC. According to my credit report, this account was last reported on XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Validation of the debt including the name of the original creditor, a full accounting of the alleged amount, and documentation proving I am legally obligated to pay.

2. Proof of your authorization to collect this debt.

3. Cease all collection activity until the requested documentation is provided.

Please communicate with me in writing only, and send all correspondence to the address listed above.

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

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 disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

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 2025-07-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-23 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: VA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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