vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-20 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed this debt. This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following : Agreement that bears signature of the alleged debtor with promises to pay original creditor, agreement that you have authority to collect on this alleged debtor, and complete payment history on this account to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
settled this acct in full on XX/XX/year> in the amount of {$690.00}

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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
settled this acct in full on XX/XX/year> in the amount of {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the false late payment notations on my accounts violate 15 USC 1666. My payment history has been consistently timely, making any inaccuracies in reporting both improper and unlawful.

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 2025-10-20 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple false, inaccurate, and damaging items being reported on my credit file. These entries are causing significant harm to my financial standing, ability to obtain credit, and overall livelihood. 

Below are the issues : Wrong Address Reporting XXXX XXXX XXXX, SC XXXX This address does not belong to me and is being falsely associated with my file. This is a serious violation as it creates a fraudulent identity connection and puts me at risk of further harm. 

Charge-Offs Reported in Error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * XXXX XXXX XXXX Charge Off XXXX XXXXXXXX XXXX XXXX  Charge Off * These charge-off entries are being inaccurately reported. They are not valid and should not appear on my file. Their presence is materially lowering my creditworthiness. 

XXXX  Accounts with False Late Payments XXXX XXXX XXXX XXXX High Balance : {$71.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$100.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX High Balance : {$100.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX High Balance : {$100.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$160.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX  High Balance : {$78.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX High Balance : {$64.00}, Opened : XX/XX/XXXX Late Payment * It is not possible that all these accounts were opened on the same day and reported as delinquent within such a short timeframe. This clearly indicates inaccurate, misleading, and unverifiable reporting. 

Improper Credit Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization. They are damaging my score and must be removed immediately. 

Requested Action : Immediate investigation into each of these accounts and inquiries.

Removal of all wrong address, charge-off accounts, inaccurate late payments, and unauthorized inquiries. 

Written confirmation of corrections to my credit file. 

The continued reporting of false information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires accuracy, fairness, and verifiability of all data. These errors are materially harming me and I demand immediate corrective action.

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 2025-10-20 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by TransUnion. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report.

If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

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 2025-10-20 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 have recently obtained and reviewed a copy of my credit report. Upon careful examination, I have identified several inaccuracies and unauthorized accounts/information that I did not open, authorize, or consent to in any form. 
These entries are not only incorrect, but they also represent a serious violation of my consumer rights. The presence of these unauthorized accounts and erroneous information is causing significant harm to my financial standing, as well as to my personal and emotional well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of all inaccurate and unverified information from my credit report. Additionally, please provide documentation validating any account that you claim is accurate or authorized.

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 2025-10-20 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:
I have recently obtained and reviewed a copy of my credit report. Upon careful examination, I have identified several inaccuracies and unauthorized accounts/information that I did not open, authorize, or consent to in any form. 
These entries are not only incorrect, but they also represent a serious violation of my consumer rights. The presence of these unauthorized accounts and erroneous information is causing significant harm to my financial standing, as well as to my personal and emotional well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of all inaccurate and unverified information from my credit report. Additionally, please provide documentation validating any account that you claim is accurate or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems, Account number XXXX. Date opened XX/XX/year> Account type Collection Account placed in fraudulent account on my credit after having no knowledge that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I enrolled debt from multiple creditors to freedom financial debt relief in XXXX of XXXX I dont know the exact dates on some of these statements that I am going to list but I know what month these have occurred. First they guarantee settlements in XXXX months. Ive enrolled XXXX creditors, and only XXXX of them have settlements. The remaining XXXX are either on what they call a strategic hold or they have not even started yet and its already XX/XX/XXXX. So its been over a year. I called in XXXX and XXXX of XXXX about debt collectors threatening legal action. I asked them if theyve been making payments to further explain how the method works and they told me they let them get delinquent to get a lower rate, but also told me that it will never get as far as me getting sued by my creditor through third debt collector. I asked them to explain what these paused notifications mean and they just didnt make sense to me. They told me that I would get notifications on settlement offers and I didnt get any except for the XXXX that reach settlement. On XX/XX/XXXX I got a letter from XXXX different attorneys that want to take my case which I had then found out that XXXX XXXX XXXX  filed a lawsuit on my delinquent credit after freedom that relief told me that is not supposed to ever happen. They guaranteed it wouldnt. The specific creditor is XXXX The enrolled debt was {$1800.00}. And their current amount showing on freedom debt relief increased by XXXX cents. Why? I dont know. I called XXXX XXXX XXXX, they told me an offer was made on XX/XX/XXXX, XXXX, XXXX this year of XXXX and XXXX XXXX this year of XXXX all the same amount of {$940.00} by freedom debt relief to XXXX XXXX XXXX  and didnt call XXXX XXXX XXXX  to confirm it. they did not let me know of any of these offers as they explained they would to keep me updated and to approve or verify things. And now, I am being sued. I also called freedom debt relief the same date of XX/XX/XXXX and Freedom debt relief says there was never an offer made so Im not sure whats happening they refuse to send me documentation about offers when I asked to send something. I cant afford a lawyer so I have to go in this alone and Im advised not to or il get a default judgment against me and could lose all I have. Which is already next to nothing I have XXXX mouths to feed and a roof to keep over them and I have been paying this company to help me take care of this and theyve not been transparent and are causing me more bad than good. Only XXXX out of XXXX settlements have been reached in a year while they guarantee XXXX months. their number is XXXX this is relevant because an attached photo is a call log from when I made those calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/year> we received a notice of cancellation from our homeowners insurance company for none payment of premiums. We contact our PHH, our Mortgagee Processor to inquire as the funds for taxes and insurance and drawn from escrow. Initially PHH representative in XXXX told us and XXXX, our insurance company, that the address for PHH on insurance declaration had changed and this is why our insurance was not paid per contract by PHH. Note : our insurance company, XXXX and policy number has never been changed and was acceptable for the prior XXXX years coverage, paid through escrow. PHH told us, via recorded phone call they would contact XXXX and send the check {$590.00} for annual premium promptly. After XXXX weeks we received a notice in the mail from PHH that Hazard Insurance would be purchased through PHH because we did not provide Homeowners insurance as required for our loan agreement. Again we contacted XXXX and PHH to attempt to resolve this none payment issue that PHH said they would handle from escrow funds they hold. Payment was never processed from PHH to send to XXXX for insurance premiums thus we were facing cancellation of insurance. We paid our premium in full by checking account ( not taken from escrow ) to stay compliant and not have our insurance cancelled. XXXX provided us the necessary Declaration of coverage and we then provided it to PHH. XX/XX/XXXX days later we received a letter in the mail from PHH denying acceptance of insurance coverage provided due to names on the insured. We called PHH to work out the issue and were given specific instructions to provide copy of the Deed, our drivers license, and addition proof of ownership. We did provide these documents and were told all would be worked out. However, it was not and again we received a letter threatening Hazard insurance by PHH. Again we called and connected PHH and XXXX via phone to attempt to resolve PHH not accepting our Declaration of insurance. Again we were reassurred that PHH now had everthing they needed to update our file showing were are in compliance with insurance. However again they rejecgted our declaration. Many calles, emails and letters int he mail have transacted forXX/XX/XXXX months and now XX/XX/year> we received a letter from PHH saying we owe {$1300.00} for not having insurance for year XXXX. PHH has harassed and stressed unnecessarily and they keep inventing problems with our compliance in our mortgage contract. Please help!

Company response to consumer: Closed with explanation