vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
This letter serves as my second formal dispute concerning fraudulent accounts that continue to appear on my credit reports, despite my initial dispute submitted on XX/XX/XXXX. The following accounts do not belong to me and are fraudulent : XXXX. XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I did not apply for, authorize, or use these accounts. They are the result of identity theft and/or reporting errors. Their continued presence is damaging my credit and causing me serious harm, including denial of credit and higher interest rates. I am asserting my rights under several federal laws, including : 15 U.S.C. 1681i ( FCRA 611 ) : Requires reinvestigation of disputed information and deletion if unverifiable.

15 U.S.C. 1681e ( b ) : Mandates consumer reporting agencies maintain maximum possible accuracy in consumer reports.

15 U.S.C. 1681c-2 ( FCRA 605B ) : Entitles identity theft victims to block fraudulent information from credit reports.

15 U.S.C. 1681g : Grants consumers the right to obtain all information in their file and the sources of that information.

15 U.S.C. 1681n & 1681o : Provide for civil liability, including statutory, actual, and punitive damages, plus attorneys fees for wilful or negligent noncompliance.

15 U.S.C. 1692e ( 8 ) ( FDCPA ) : Prohibits the reporting of false credit information and failing to communicate that a debt is disputed. Given that I previously provided notice of these fraudulent accounts, your continued reporting without proper investigation may expose your agencies to significant liability under these laws.

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 2025-07-18 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: NV

Complaint narrative:
This letter serves as my second formal dispute concerning fraudulent accounts that continue to appear on my credit reports, despite my initial dispute submitted on XX/XX/XXXX. The following accounts do not belong to me and are fraudulent : XXXX. XXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I did not apply for, authorize, or use these accounts. They are the result of identity theft and/or reporting errors. Their continued presence is damaging my credit and causing me serious harm, including denial of credit and higher interest rates. I am asserting my rights under several federal laws, including : 15 U.S.C. 1681i ( FCRA 611 ) : Requires reinvestigation of disputed information and deletion if unverifiable.

15 U.S.C. 1681e ( b ) : Mandates consumer reporting agencies maintain maximum possible accuracy in consumer reports.

15 U.S.C. 1681c-2 ( FCRA 605B ) : Entitles identity theft victims to block fraudulent information from credit reports.

15 U.S.C. 1681g : Grants consumers the right to obtain all information in their file and the sources of that information.

15 U.S.C. 1681n & 1681o : Provide for civil liability, including statutory, actual, and punitive damages, plus attorneys fees for wilful or negligent noncompliance.

15 U.S.C. 1692e ( 8 ) ( FDCPA ) : Prohibits the reporting of false credit information and failing to communicate that a debt is disputed. Given that I previously provided notice of these fraudulent accounts, your continued reporting without proper investigation may expose your agencies to significant liability under these laws.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Plaza Services LLC  XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Acct # XXXX Request for Debt Validation Dear Plaza Services LLC, I am writing in response to a collection on my credit report about an alleged debt. I am requesting that you provide full validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The original amount of the debt and an itemized breakdown of any interest, fees, or other charges.

3. A copy of the original contract or agreement bearing my signature ( if applicable ).

4. Proof that you are legally authorized to collect debts in Tennessee.

5. A copy of any judgment ( if applicable ).

Until this debt has been validated, please cease all collection activities, including reporting this account to any credit reporting agencies. If you have already reported it, please inform the credit bureaus that the debt is currently in dispute.

This letter is not a refusal to pay, but a request for validation. Please respond within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The account is paid in full, yet continues to report major derogatory late payments that are inaccurate or unverifiable. 

I submitted a written dispute requesting validation of the payment history and have not received any supporting documentation.

Under the FCRA ( 15 U.S.C. 1681i ), unverifiable or inaccurate information must be removed.

I am requesting CFPB assistance to ensure this account is corrected or the derogatory history is removed if unsupported. 

Please see my attached dispute 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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

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

Company 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 2025-07-18 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: NRA Group, LLC
State: TX

Complaint narrative:
several derogatory accounts currently reported on my credit file, which appear to be inaccurate, outdated, and unverified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request an immediate investigation and removal of any and all unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
several derogatory accounts currently reported on my credit file, which appear to be inaccurate, outdated, and unverified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request an immediate investigation and removal of any and all unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
several derogatory accounts currently reported on my credit file, which appear to be inaccurate, outdated, and unverified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request an immediate investigation and removal of any and all unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am writing to dispute an account that has been wrongfully reported on my credit file. I did not authorize, initiate, or have any knowledge of this account, and I hold no responsibility for any activity associated with it.

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 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint has been submitted to the CFPB pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that the information on my credit report resulting from identity theft and fraud be blocked. In accordance with the law, I ask that this action be taken within four business days of receiving this complaint. 

The fraudulent account I have found : XXXX XXXX XXXXXXXX, opened on XX/XX/year>. 

I have also included a copy of the FICO consumer credit report, which reflects the unauthorized account. I do not recognize this account, nor was it opened, initiated, or authorized by me. It is the direct result of identity theft and fraudulent activity.

As supporting evidence, I have attached a copy of the police report filed with the LAPD confirming that the listed accounts and 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please delete these fraudulent items from my credit report. I have included a FTC report, a copy of my SSN, ID, and passport and a written statement you have my permission to investigate these. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I disputed a debt showing on my credit report and requested validation in writing over 60 days ago. I asked for documentation showing that I owe the debt, including a signed contract, an itemized breakdown, and proof that the company is legally authorized to collect. I never received a response, yet the account continues to report inaccurately, including a balance increase and a reported last payment that I did not make. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting the removal of this unverifiable debt from my credit repo

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MO

Complaint narrative:
There is a bankruptcy listed on my credit report from 2025 that is inaccurate. I contacted the credit reporting agency to request verification of this public record. However, they were unable to provide any documentation or source confirming the accuracy or origin of this bankruptcy listing. 

This reporting is both inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ). Under the FCRA, any item of information that can not be verified must be promptly deleted from the consumers credit file. 
This

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Alorica Inc.
State: NY

Complaint narrative:
Hi I had a credit line by tally and I set up auto payment they then sold it to SST I was not told about it even they claim that I was told if you check with tally I was never late with payment I have an excellent payment history till this issue I want them to look as soon I checked my credit report and saw that I have 2 late payments I called and told them to email me what I have to do to pay it they emailed it to me and then I checked and my check was not cashed I called them and they said it was sold and they told me it was a charge of there was no one to speak to they shouldve gotten my check and send it back they didnt I had to cancel the check I then got the information to whom it was sold that same day it was paid I want this negative information off my credit report.

Company response to consumer: Closed with explanation