vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I am the victim of identity theft and Equifax XXXX XXXX. The following accounts were fraudulently opened in my name without my authorization and are being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. 
I have never applied for, opened, or used these accounts. I have provided the credit bureaus with a police/FTC Identity Theft Report and requested removal under FCRA 605B. Despite my dispute, the accounts remain, and the furnishers have failed to comply with Metro 2 reporting standards and the FCRA by continuing to report inaccurate and unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: BTH Management
State: SC

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to Plaza Services, LLC via certified mail under my rights in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

More than 30 days have passed since that request, and Plaza Services has not provided any response or validation. 



On XX/XX/year>, I sent a second certified letter as a follow-up. Plaza Services again failed to respond or provide validation.

Violations FDCPA, 15 U.S.C. 1692g ( b ) Continued collection and credit reporting without providing full validation of the alleged debt.

FCRA, 15 U.S.C. 1681b No permissible purpose for reporting without proper validation of the alleged debt.

FCRA, 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance by continuing to report unverifiable information.

Deficiencies Plaza Services has not provided any of the legally required documents to validate the alleged debt, including : Original signed agreement/contract.

Full account history ( charges, payments, interest, fees ) from the original creditor. 

Proof of ownership/assignment from the original creditor to Plaza Services XXXX 

Proof of legal authority to collect debts in my state. 

Date of first delinquency from the original creditor. 



Without these documents, Plaza Services has no legal basis or permissible purpose to continue collection or credit reporting.

Requested Resolution I am requesting that : This account be permanently deleted from all consumer credit reports. 

All collection efforts related to this account permanently cease, including reselling, reassigning, or re-reporting the account in the future. 

Written confirmation of deletion and closure be sent to me by mail for my records. 



Plaza Services has had more than sufficient opportunity to comply with the law and has failed to do so. Their continued reporting without validation is a clear violation of federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX High Balance {$10000.00} XXXX  XXXX XXXX BALANCED {$3000.00} XXXX  XXXX High Balance {$0.00} XXXX XXXX XXXX XXXX High Balance {$37000.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX High Balance {$10000.00} XXXX  XXXX XXXX BALANCED {$3000.00} XXXX  XXXX High Balance {$0.00} XXXX XXXX XXXX XXXX High Balance {$37000.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 2025-08-14 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes, the credit bureaus have failed to remove or correct inaccurate personal information and collection accounts on my credit file. These errors continue to damage my credit rating, and the bureaus have not provided the legally required verification of the disputed information. 

Disputed Items Incorrect personal information Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) Incorrect personal information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XX/XX/XXXX ) Collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to a reinvestigation that includes actual verification of the disputed items. The bureaus have not : Provided the names and business addresses of the individuals contacted to verify these items Disclosed the date and method of communication with the furnishers Confirmed whether the furnishers provided my Social Security number, address, or date of birth as part of the verification process The responses I have received appear to be automated and not the result of a thorough reinvestigation as required by law.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

Despite multiple disputes, the credit bureaus have failed to remove or correct inaccurate personal information and collection accounts on my credit file. These errors continue to damage my credit rating, and the bureaus have not provided the legally required verification of the disputed information. 

Disputed Items Incorrect personal information Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) Incorrect personal information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XX/XX/XXXX ) Collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to a reinvestigation that includes actual verification of the disputed items. The bureaus have not : Provided the names and business addresses of the individuals contacted to verify these items Disclosed the date and method of communication with the furnishers Confirmed whether the furnishers provided my Social Security number, address, or date of birth as part of the verification process The responses I have received appear to be automated and not the result of a thorough reinvestigation as required by law.

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 2025-08-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-14 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:
Your Full Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last XXXX SSN : XXXX XXXX To : Experian / TransUnion / Equifax Subject : Dispute of XXXX XXXX Repossession Reporting Request for Deletion under FCRA Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of an auto repossession account that appears on my credit report. The account in question is : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date of Repossession ( Date if known ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. This account is being inaccurately reported and must be either corrected or deleted under the following provisions : 15 U.S.C. 1681i You are required to conduct a reasonable reinvestigation of any item disputed by a consumer within XXXX  days of receiving the dispute.

15 U.S.C. 1681s-2 Furnishers of information have a duty to provide accurate information and must promptly update or delete any inaccurate or incomplete information.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

Upon reviewing the reported details of this repossession, I noticed significant discrepancies, including but not limited to : Failure to properly notify me of default and repossession timeline ( as required by state and federal laws ). 

Lack of proper documentation validating the repossession and the deficiency balance ( if any ). 
Inconsistencies in the reported dates, payment history, or account status. 

According to the FCRA, if the furnisher or credit bureau can not verify the accuracy of this account with proper documentation, it must be deleted from my credit report. 

I am requesting the following actions : A thorough reinvestigation into this account. 
Written documentation validating the repossession, deficiency balance, and legal notice procedures.

Immediate deletion of this account if it can not be fully verified as accurate and complete. 

Please consider this letter as a formal dispute under federal law. I am also enclosing a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed account highlighted for your reference. 

If no resolution is made within the required timeframe, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your prompt attention to this matter. I expect a written response within XXXX  days, as outlined by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: OH

Complaint narrative:
Your Full Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Last XXXX SSN : XXXX XXXX To : Experian / TransUnion / Equifax Subject : Dispute of XXXX XXXX Repossession Reporting Request for Deletion under FCRA Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of an auto repossession account that appears on my credit report. The account in question is : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date of Repossession ( Date if known ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. This account is being inaccurately reported and must be either corrected or deleted under the following provisions : 15 U.S.C. 1681i You are required to conduct a reasonable reinvestigation of any item disputed by a consumer within XXXX  days of receiving the dispute.

15 U.S.C. 1681s-2 Furnishers of information have a duty to provide accurate information and must promptly update or delete any inaccurate or incomplete information.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

Upon reviewing the reported details of this repossession, I noticed significant discrepancies, including but not limited to : Failure to properly notify me of default and repossession timeline ( as required by state and federal laws ). 

Lack of proper documentation validating the repossession and the deficiency balance ( if any ). 
Inconsistencies in the reported dates, payment history, or account status. 

According to the FCRA, if the furnisher or credit bureau can not verify the accuracy of this account with proper documentation, it must be deleted from my credit report. 

I am requesting the following actions : A thorough reinvestigation into this account. 
Written documentation validating the repossession, deficiency balance, and legal notice procedures.

Immediate deletion of this account if it can not be fully verified as accurate and complete. 

Please consider this letter as a formal dispute under federal law. I am also enclosing a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed account highlighted for your reference. 

If no resolution is made within the required timeframe, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your prompt attention to this matter. I expect a written response within XXXX  days, as outlined by the FCRA. 

Sincerely, 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 2025-08-14 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:
In accordance with the Fair Creat Reporting act capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

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 2025-08-14 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:
In accordance with the Fair Creat Reporting act capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my rightsI 15 US C 1681 section 602 A States I have the right to privacy 15 U.S C1681 Section 604 A Section 2. it atso states a consumer reporting agency can not furnish a account without my wrten instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, my PayPal account was compromised and an order was placed on the XXXX website. {$340.00} was taken from the card that was linked to the account. Another order of {$680.00} was denied by my bank. I contacted PayPal to dispute the claim and XXXX to get information on the order. My original account with XXXX had been deleted and I had to create another one to contact customer service who would not give me any information regarding who placed the order. They have since requested that I show them my email login information. PayPal closed my claim in less than 48 hours alleging that the activity was consistent with my PayPal history. This is not true. There has not been any PayPal activity on my account in over 90 days. The last transaction was completed on XX/XX/year>. I have never spent this amount with XXXX, nor have I used PayPal to pay for any orders from this website. PayPal 's resolution team did not review anything and closed the claim not allowing for an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief