vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: MD

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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MD

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 XXXXB of the Fair Credit Reporting Act.

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 2025-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CL Holdings LLC
State: TX

Complaint narrative:
If i can remember correctly Jefferson Capital System is a third part debt collector that i did not authorize to put information on my credit bureau. I really do not even know know who they are. It can be for a credit card, retail installment loan, phone bill, utility bill, medical bill, or a overdraft account. I have had all of them I am just not sure of what it is. I have the account number from the credit bureau. The account number that is on the credit bureau is XXXX. I do not know if this helps but you can see that i am unaware of this and it is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
On or about XXXX of this year, a debt validation was received but was incomplete as to furnishing proper documentation. 
Please find attached, the documents that were received, a letter of " explanation '' and copies of bills about alleged creditor. No documentation was provided saying that the collection agency was given ownership of said debt. 
Furthermore, after some further investigation, as per " XXXX XXXX XXXX Company '', the collection agency in question ( XXXX XXXX XXXX ) does not have a license to operate in the state of Delaware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

INQUIRY - XX/XX/XXXX - The following inquiry was not accurately on my report INQUIRY - XX/XX/XXXX - The following inquiry was not accurately on my report INQUIRY - XX/XX/XXXX - The following inquiry was not accurately on my report INQUIRY - XX/XX/XXXX - The following inquiry was not accurately on my report INQUIRY - XX/XX/XXXX - The following inquiry was not accurately on my report INQUIRY - XX/XX/XXXX - The following inquiry was not accurately 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 2025-07-21 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

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 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 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 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate rental-related information being reported A rental collection account originally tied to XXXXXXXX XXXX XXXXXXXX appeared on my credit report, but it was successfully removed after investigation proving the debt was either inaccurate, not mine, or unverified. 

Despite this, your company appears to still report this or related tenant information, which is now negatively affecting my ability to secure housing. 

I have attached documentation that : Shows this account was removed from my credit reports ( XXXXTransUnion ), Proves I was living at a different address during the entire time in question, and Confirms this debt or rental issue is not mine. 

This is a violation under the Fair Credit Reporting Act ( FCRA ), and I request immediate removal and full deletion from your system.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX It's a collection taken by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im reaching out to formally dispute a charge-off account listed under the name XXXX XXXX on my credit report. After reviewing the account details reported by your bureau and comparing them with the other major credit bureaus, Ive noticed several inconsistencies and inaccuracies that raise concerns about the validity of the information being reported. 

Dates dont match up. Your report shows different last activity and closed dates compared to other bureaus. 

Payment history is conflicting. For example, XXXX bureau shows XX/XX/year> as XXXX  days late, while another shows XXXX  days, and another lists a charge-off in XX/XX/year> while others dont. 

Remarks and account statuses are inconsistent. The way the charge-off is described is not uniform or verifiable. 

These issues lead me to believe this account may not be accurately verified or reported, which goes against the Fair Credit Reporting Act ( FCRA ). If the data can not be 100 % verified and consistent across bureaus, it should be removed. 

Im asking that you delete this charge-off account entirely from my credit file, as the reported information is incomplete, inconsistent, and potentially inaccurate. 

Thank you for your attention in this matter, 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 2025-07-20 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: GA

Complaint narrative:
Im reaching out to formally dispute a charge-off account listed under the name XXXX XXXX on my credit report. After reviewing the account details reported by your bureau and comparing them with the other major credit bureaus, Ive noticed several inconsistencies and inaccuracies that raise concerns about the validity of the information being reported. 

Dates dont match up. Your report shows different last activity and closed dates compared to other bureaus. 

Payment history is conflicting. For example, XXXX bureau shows XX/XX/year> as XXXX  days late, while another shows XXXX  days, and another lists a charge-off in XX/XX/year> while others dont. 

Remarks and account statuses are inconsistent. The way the charge-off is described is not uniform or verifiable. 

These issues lead me to believe this account may not be accurately verified or reported, which goes against the Fair Credit Reporting Act ( FCRA ). If the data can not be 100 % verified and consistent across bureaus, it should be removed. 

Im asking that you delete this charge-off account entirely from my credit file, as the reported information is incomplete, inconsistent, and potentially inaccurate. 

Thank you for your attention in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

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 2025-07-21 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: NH

Complaint narrative:
I am a victim of identity theft. A fraudulent collection account from XXXX XXXX XXXX ( Account # XXXX ) is showing on my TransUnion credit report. 
I submitted my FTC Identity Theft Report ( Report # XXXX ) to TransUnion to request a block under FCRA 605B ( 15 U.S.C. 1681c2 ).

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 2025-07-21 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: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of an account that appears on my credit report, which I did not authorize, open, or have any association with. The account is not mines and its presence on my credit report constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). I have not open any account with this company at all. According to FCRA Section 605B, you are required to block any information that results from identity theft within four business days of receiving proof. This account is fraudulent, and I demand that it be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CORELOGIC INC
State: FL

Complaint narrative:
CFPB Complaint Reference : [ XXXX ] I am filing a new and distinct complaint against CoreLogic Credco , a reseller of consumer credit information, and its improper reporting of a hard inquiry on my XXXX  credit file. 

On XX/XX/year>, CoreLogic Credco sent me an official letter stating they were unable to locate any consumer report information about me in their records. This clearly indicates they did not initiate or authorize any valid credit report pull under my name. 

Despite this, a hard inquiry by CoreLogic Credco is still being reported on my XXXX  credit report dated XX/XX/year>. This inquiry does not appear in my XXXX  or XXXX  reports creating an inconsistency in reporting that directly violates the Fair Credit Reporting Act ( FCRA ), specifically : - 1681b Permissible purposes for obtaining consumer reports, - 1681s-2 ( b ) Duty to investigate and correct inaccurate information, - 1681i ( a ) ( 5 ) ( B ) Obligation to maintain accurate, verifiable, and consistent data.

CoreLogic Credco acts only as a reseller, not a furnisher or credit originator. Therefore, they have no lawful basis to appear as a hard inquiry unless a third party initiated a permissible-purpose transaction, which they have not been able to demonstrate.

This issue was previously submitted but closed prematurely by the CFPB as a duplicate, despite the fact that it remains unresolved and is actively damaging my credit.

Relief Requested : 1. Immediate deletion of the CoreLogic Credco inquiry from XXXX.

2. Enforcement of FCRA provisions and demand that CoreLogic Credco demonstrate lawful permissible purpose under 1681b, or face sanctions. 
XXXX. Notification to XXXX  that continued reporting of unverifiable data violates federal law. 

Attachments : - CoreLogic Credco letter ( XX/XX/year> ) confirming no consumer file exists. 
- XXXX  report ( XX/XX/year> ) showing the hard inquiry. 
-

Credit reports from XXXX  and XXXX  ( same date ), showing no record of CoreLogic. - Screenshot of prior CFPB case closure marked as duplicate. This is not a duplicate complaint this is a continuing violation of my consumer 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 explanation
Consumer complaint received 2025-07-21 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-20 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: GA

Complaint narrative:
Im writing to dispute the XXXX XXXX XXXXXXXX account listed on my credit report. The way this account is being reported is inconsistent and inaccurate and thats a problem. 

The account shows different last activity dates depending on the bureau. 
The remarks dont match one says it was settled, another says it was paid in full for less than full balance, and another says as agreed.

The payment history percentages are completely different : 64 %, 60 %, and 90 %.

One bureau even shows it as collection/charge-off while another says as agreed. Thats contradictory.

This reporting violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information on my credit report to be accurate and verifiable. The conflicting info across all three bureaus makes it clear this account isnt being reported correctly and that makes it unverifiable. It also doesnt follow Metro 2 credit reporting standards, which require the same account to be reported consistently.

Because of these issues, Im asking you to delete this XXXX XXXX XXXXXXXX account from my credit report entirely. 

Thank you for your time and quick attention to this. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
Due to job lose i failed to make my payment for a month they then closed the card threw me automatically to collections I called to inform them I would make a payment that next week paying off my credit card I asked about 5 times to make sure it would come out on the XXXX like they promised when I scheduled it a week ahead of time they promised it would and would not come out at a later date the XXXX came and went they never attempted to take it out about 4 days later they finally tried causing issues with my bank therefore payment didnt go through after promising me it would come out no later than the XXXX I then a few days after made the payment again because their promises failed I also asked if when the payment was made if the card would re open and come off collections in which they responded with yes to both questions I have since paid off the balance plus another fee they charged me randomly XXXX XXXX  after I paid card off and they have not opened account or removed the collections this company has been full of mispromises and lies

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 2025-07-20 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: CO

Complaint narrative:
I Have been through this several time with the Credit Rating agencies specifically Experian and I am Still having problems with them Changing my perfect score to below perfect for absolutely ZERO reasons, They claim its Due to me using 1 % of my credit however I have over XXXX  XXXX of credit and I Used 5 % of a XXXX XXXXXXXX CC My credit utilization is PERFECT and Below their Recommendations for utilizing my cc, They Still manipulate my score and have Lowered it within a couple months from XXXX XXXX to XXXX with NO REASON as to why they are changing my score so significantly, This is beyond a GROSS mishandling of my Credit scores and Impacts me If I choose to seek credit due to my score being lowered below XXXX causing me to pay higher rates. They do not give me ANY REASONS as to why they lower my score XXXX points in some case and raise it XXXX points in some cases, I AM SERIOUSLY Exhausted by this Gross mishandling of my PERFECT CREDIT SCORE.

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