vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TN

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX [ Date ] PLAZA SERVICES, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account Number : XXXX XXXX XXXX Dear PLAZA SERVICES, LLC, I am writing to request validation of the debt you claim I owe on the above-mentioned account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. * Original Contract * : A copy of the original contract or agreement between the original creditor and myself. 
2. * Account Statements * : A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. * Chain of Assignment * : Proof of how the debt was assigned to PLAZA SERVICES , LLC .

4. * Creditor Information * : The name and address of the original creditor.

Please provide the aforementioned information within 30 days of receipt of this letter. Until I receive the requested validation, I dispute the debt and request that you cease all collection activities. 

If I do not receive the requested information, I will assume that the debt is not valid, and I will take necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
SPECIFIC DISPUTES : DISPUTE # 1 : INCORRECT BALANCE AMOUNT Currently Reported : {$21000.00} Actual Balance : {$18000.00} ( per creditor statement dated XX/XX/year>XXXX   ) Request : Update balance to reflect accurate amount of {$18000.00} DISPUTE # 2 : FALSE PAST DUE AMOUNT Currently Reported : {$1900.00} past due Actual Past Due : {$0.00} ( per creditor statement dated XX/XX/year> ) Request : Correct past due amount to {$0.00} DISPUTE # 3 : INACCURATE PAYMENT STATUS Currently Reported : " Late 90 Days '' Actual Status : Current ( account brought current with recent payments ) Request : Update payment status to " Current '' or " Pays as Agreed '' DISPUTE # 4 : OUTDATED PAYMENT INFORMATION Currently Reported : Last payment XX/XX/year> Actual Last Payment : XX/XX/year>XXXX  ( multiple payments made ) Request : Update last payment date to XX/XX/year> SUPPORTING DOCUMENTATION : I am enclosing the following documentation as evidence : Payment History Statement dated XX/XX/year>XXXX  showing : Remaining Balance : {$18000.00} Past Due Amount : {$0.00} Recent payments : {$840.00}, {$990.00}, {$990.00} in XX/XX/year> Copy of Current Credit Report showing inaccurate information LEGAL BASIS FOR DISPUTE : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The information listed above is inaccurate and unverified based on documentation provided directly from the creditor.

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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Complaint Against JPMorgan Chase Bank for Mishandling Wire Fraud Case {$12000.00} Loss I am submitting this complaint regarding a wire fraud incident that occurred on XX/XX/year> in which {$12000.00} was fraudulently withdrawn from my account with Chase Bank. 

I reported the fraudulent transaction immediately upon discovery and provided all relevant documentation. Despite this, the bank informed me that I would not be reimbursed and that there was no recourse available. No clear explanation or breakdown of the investigation was provided. 

I believe the bank failed in its responsibility to protect my funds and to investigate the fraud in accordance with federal regulations such as the Electronic Fund Transfer Act ( Reg E ). As a consumer, I should be protected against unauthorized transfers, especially those initiated under fraudulent circumstances. 

I am requesting : A formal investigation into the banks handling of my case. 

Clarification on whether the bank fulfilled its legal duties under Reg E. 

Assistance in recovering the {$12000.00} lost. 

I am prepared to provide documentation, email correspondence, and any other materials needed to support this complaint. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX XXXX XXXX JPMorgan Chase Bank & Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( TransUnion ) 15 U S C. 1681 Section 602 A, States 15 U S C 604 A Section 2 : It also states a consumer reporting agency can not finish an account without my written consent.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A fraud alert was placed on my Experian credit file years ago. I did not place this fraud alert myself, nor did I authorize anyone to do so on my behalf. I later learned that a credit repair company I hired added the fraud alert without my consent. I was never informed this would happen, and I never requested it. 



Since then, I have made multiple requests directly to Experian for the removal of this fraud alert, including sending all required documentation ( drivers license, utility bill, Social Security card ). Instead of removing the fraud alert, Experian has either ignored my request or added a new fraud alert. I have also requested this numerous of times from Equifax and Transunion. I have had no luck getting the fraud alert removed even though I provided all of the requested documentation to support my identification, not to mention I DID NOT AUTHORIZE A FRAUD ALERT BE PLACED ON MY CREDIT REPORTS. 



This unauthorized fraud alert has prevented me from obtaining credit and loans, including being denied mortgage financing, business loans, and even consumer financing such as XXXX. It has directly interfered with my ability to purchase a home and grow my business. 



Under the Fair Credit Reporting Act ( FCRA 605A ), only the consumer may place or extend a fraud alert. Because I did not place this fraud alert and have repeatedly requested its removal, Experian, Equifax and Transunion are in violation of my rights by continuing to maintain it on my file.

Requested resolution : Immediate removal of all fraud alerts from my Experian, Equifax and Transunion credit file. 

Written confirmation that no fraud alerts will remain unless I personally request one in the future.

Correction of my file so that it accurately reflects my true credit history, free of unauthorized alerts. 


Copy of my removal request letters. 

Copies of proof of identity and address previously submitted.

Experians response letter showing they added a new fraud alert instead of removing the original. 

I have no responses from Equifax or Transunion. 



Sincerely, XXXX XXXX XXXX PS Please NOTE that I have documentation to provide but the file is too large to be able to upload on this site

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 2025-09-05 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: TX

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Dispute was submitted XXXX, XXXX to have {$100.00} collection deleted from XXXX  report. XXXX  already deleted account in XXXX due to creditor not having original lease agreement with original security deposit. XXXX  labeled dispute as " completed '' on XX/XX/XXXX, with the result being the collection account was " updated ''. On XX/XX/XXXX, Agent on phone could not tell me what was being updated on the account and told me I would need to submit another dispute. I stated that I would like to provide a consumer statement and get a description of how the reinvestigation was conducted along with the business name, address and telephone number ( if reasonably available ) of the furnisher of my disputed information. The agent said he could not assist me and provided the customer service line starting with " XXXX '' claiming it was a specialty phone number. When I told him calling that number led me to him in the first place, he simply repeated himself. We were on the phone for over XXXX minutes. He claimed his name was " XXXX '' and his employee id was XXXX. There is no option to add a consumer statement online or get the investigation information online. I can not even see what I originally put in my dispute nor can I update it with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account name : XXXX & XXXX BANK Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX of XXXX-Neighbor of my parents provided mail stating that the company had taken me to court and received a judgment. I was not there as I had never been provided any documentation notice. 

I call company to discuss that I was made aware of a judgement, after following up with courts. Company shared the address that they sent all communications to and that address was to a county that I had not lived in for more than 25 years. I shared that I provided my address when I purchased the car and that the car was registered with my address, with is. I added that I also purchased a home in XXXX XXXX in 2008. 

I explained that I know I owe them something but not the amount of the judgement. I explained I had never been provided to pay what was owed, to get the car when it was repossessed, before or at auction, no opportunity to pay a lesser amount to get the car back or settle. I asked for all the information that they sent to the incorrect address. I was told it would be sent and it never was. 

The company is not garnishing my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LEXISNEXIS
State: GA

Complaint narrative:
Dear LexisNexis XXXX XXXX, I am writing to dispute inaccurate information that appears in my LexisNexis consumer disclosure file. Specifically, my file is showing a bankruptcy that I believe is being reported in error. This has caused significant hardship for me and has prevented me from buying a home. 

The item I am disputing is : Bankruptcy XXXX This bankruptcy is inaccurate and should not be associated with my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that LexisNexis conduct a reinvestigation of this information, including verifying its accuracy directly with the court that allegedly filed it. If LexisNexis can not verify the accuracy of this record with documented evidence from the original source, it must be deleted from my file. 

For identity verification, I have enclosed copies of the following : A copy of my drivers license and passport A copy of a recent utility bill showing my current address Please provide me with the results of your investigation and a corrected copy of my LexisNexis file once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation