vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
XXXX XXXX XX/XX/year> Plaza Service Formal Dispute of Inaccurate Reporting Plaza Services Account Account Number : Reported by : Plaza Services Date Opened : XX/XX/year> Balance : {$2400.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the above-referenced account as it appears on my credit report. According to my credit file, this account is listed as open and placed for collection, with duplicate remarks stating Account information disputed by consumer. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are required to ensure that all information reported is accurate and verifiable. This account contains the following inaccuracies : 1. The account is reported as open despite being in collections, which is misleading and inconsistent with industry-standard reporting. 
2. The remarks Account information disputed by consumer appear twice, which may indicate duplicate or erroneous reporting.

3. I have not been provided with full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). Without such validation, this account should not be reported. 

Because this account is being reported with inaccurate and incomplete information, I request that you either : Delete this account from my credit file, or Provide documented evidence verifying the accuracy of every detail being reported, including the original signed agreement, complete payment history, and a chain of title showing Plaza Services legal right to collect. 

Please conduct your reinvestigation within the time allowed by law ( 30 days ) and provide me with a written response detailing your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EGL US, LLC
State: TX

Complaint narrative:
I was trying to purchase and when my credit was checked and I realized it was damages on my report .According to the law 15 U.S.C 1681 there should not be any damages on my account .This is defamation to my character,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : 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 2025-08-11 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-11 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:
I am filing this complaint to dispute a late payment incorrectly reported on my credit report. I have consistently paid on time, and the reported late payment is an error. This inaccurate information violates my right to fair and accurate credit 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 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
Cross country mortgage falsified my employment history to get this mortgage backed by the fha I can prove everything accurately and they said I worked for XXXX XXXX XXXX XXXX for 10 or 11 years consecutive when I have never worked anywhere for that long and they said they pulled my report from equifax when I have a subscription to equifax and it only shows my current employer and XXXX XXXX in which they dont even have that employer listed on the paperwork they sent me I want cfpb to deem this mortgage fraudulent on them and I also have a lawyer willing to take my case since they dont want to admit they falsified my employment history I can show my XXXX from XXXX stating I never worked there that long and they also had me working 2 jobs at the same time in which is impossible due to both being nightshift and long hours and i was never employed from late XXXX up until XX/XX/XXXX of XXXX why doesnt the cfpb doing to protect the consumer I will escalate this to the federal government if need be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
A late payment has been inaccurately reported on my credit file. My payment history confirms that I have always made timely payments on this account. This false entry is damaging and misleading.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account I never authorized or opened is currently listed on my credit report. I have no association with the reporting creditor, and this entry is the result of identity theft. This inaccurate reporting is damaging my credit standing.

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 2025-08-11 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-08-11 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 did not open these fraudulent accounts, and they must be deleted within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account is appearing on my credit report that I did not open, authorize, or recognize. I have never had any dealings with the creditor reporting this information, and the account is fraudulent. This false information is harming my credit standing and must be corrected promptly.

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 2025-08-11 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: OH

Complaint narrative:
Ive obtained my credit report and noticed the following errors. The following accounts need to be DELETED from my credit report as they are inaccurate and in violation of my consumer laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Graham-Lech Bailey Act Protection of Non public personal information, 15 US CODE 6801, its states any account that is being furnished on my credit report needs WRITTEN consent. Please update where my WRITTEN consent is for these negative account that arent mine. A credit application is confused with CONSENT, and this is a violation and therefore ALL 5 collections needs to be DELETED from my report. 

Under 15 US CODE 1681 C-2 Block of Information, it states If any consumer deems an account negative or inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of the credit bureaus receiving my dispute! I deem ALL OF THESE ACCOUNTS INACCURATE, AND THEY NEED TO BE REMOVED FROM MY REPORT WITHIN 4 days of this dispute.

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 2025-08-11 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I have a history of making payments on time, so this entry might be incorrectplease review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2025, TransUnion deleted accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX following my disputes, but later unlawfully reinserted them without providing the required written notice or proof of certification from the furnishers, in violation of FCRA 611 ( a ) ( 5 ) ( B ). These accounts now report adverse information ( charge-offs and delinquencies ) that continue to harm my score, even though they are listed as Closed Accounts. I never received the mandatory 5-day reinsertion notice or any verification documents. This failure to follow reinsertion procedures and continued reporting of unverifiable derogatory data constitutes willful and negligent noncompliance under FCRA 616617. I request immediate removal, all reinsertion verification records, and assurance they will not be reinserted again without full compliance.

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 2025-08-11 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: OH

Complaint narrative:
I am the victim of identity theft and have an active fraud alert across all three CRAs. I previously disputed and had multiple fraudulent accounts deleted. These same accounts have now been reinserted without the required FCRA 611 ( a ) ( 5 ) ( B ) notice, in violation of federal law. In addition, the CRAs have allowed these reinserted accounts to be re-aged to show more recent delinquency dates, misstate the balance and debt status, and in some cases change the status from loss or charge-off to active derogatory as if the accounts are newly delinquent. When I called to question this, I was told by CRA staff that the system ( computer/AI ) handled my case, that no person reviewed my dispute, and that I had to wait for the system to finish. This means no reinvestigation or due diligence was performed, no identity theft block under FCRA 605B was enforced, and no documentary evidence from the original creditor was provided to support the reinsertion. These actions collectively violate multiple provisions of the FCRA, including 605, 605B, 611, and 623, and fail to comply with Metro 2 reporting standards.

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 2025-08-11 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: OH

Complaint narrative:
I am the victim of identity theft and have an active fraud alert across all three CRAs. I previously disputed and had multiple fraudulent accounts deleted. These same accounts have now been reinserted without the required FCRA 611 ( a ) ( 5 ) ( B ) notice, in violation of federal law. In addition, the CRAs have allowed these reinserted accounts to be re-aged to show more recent delinquency dates, misstate the balance and debt status, and in some cases change the status from loss or charge-off to active derogatory as if the accounts are newly delinquent. When I called to question this, I was told by CRA staff that the system ( computer/AI ) handled my case, that no person reviewed my dispute, and that I had to wait for the system to finish. This means no reinvestigation or due diligence was performed, no identity theft block under FCRA 605B was enforced, and no documentary evidence from the original creditor was provided to support the reinsertion. These actions collectively violate multiple provisions of the FCRA, including 605, 605B, 611, and 623, and fail to comply with Metro 2 reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
My credit report contains a late payment notation that is inaccurate. I have consistently paid on time, and this erroneous entry is unjustly affecting my 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. 
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO XXXX, XXXX, and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collection account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I return the company product back in a timely manner and they said they wont charge me and they send me to collections for the same dept twice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing an incorrect late payment reported on my credit file. I have maintained a history of timely payments for this account. This false information is negatively impacting my credit profile.

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