vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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:
My account with EQUIFAX 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. 


EQUIFAX 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
A man keeps calling me every 2-3 weeks since XXXX leaving bizarre messages on my voicemail never identifies himself. Its actually quite embarrassing the noises left on the voicemail without being too graphic. When I reversed checked the phone it says its Hollis Cobb when I went to their website to add an account on portal they had zero information on me. Ive never received a letter from this company but I want the messages to stop either actually speak like a normal human being, state your business send me a letter but dont send me messages that sound like a XXXX  breathing on my phone and other XXXX XXXX. I almost feel like I must know someone that works there without actually knowing that they work there and they are using this phone number to get away with stalking me in some way. Ive let it go on for too long but today is the last straw. Its creepy and extremely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I sent a request for a Goodwill Adjustment on my husband vehicle loan in which I was a joint account holder. During the time the payments were late, I was undergoing XXXX XXXX XXXX at XXXX XXXXXXXX. However, this vehicle was paid in full in XX/XX/year>. Now I have been through a divorce and am no longer married to the joint account holder who is in possession of the vehicle which was paid in full in XX/XX/year>. I have not had a response to my two requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-17 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: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
Student loans have been current and up to date since opening of account in XXXX. As of XX/XX/XXXX, account has been updated to 90 days delinquent. Account was never reported as 30 days late, or 60 days late. This has caused credit score to drop XXXX points causing a financial hardship.

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 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
Valon did not properly credit the payment that I made additional principle payment on XX/XX/XXXX in the amount of {$6000.00} for XX/XX/XXXX regular autopay mortgage. This payment should have been credited to principal only on top of my regular {$2400.00} mortgage. Your company failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. I tried to contact customer service and was told that it is reversible ( see chat history ). Im asking to correct the mistake that company made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

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 2025-04-17 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: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-17 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: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX. Mercedes-Benz Financial Services has used this name in correspondence, billing, title lien reporting , and contract enforcement activity without license, consent, or contractual authorization. They are operating commercially under my name, which is protected by federal law, without any legal basis to do so. 

I previously submitted a cease-and-desist and IRS Form 56-F placing Mercedes-Benz on notice of fiduciary responsibilities . They have not responded with validation, proof of contract, or evidence of licensing. Their continued use of my protected name constitutes a violation of 15 U.S.C. 1125 and consumer rights under the FCRA. All commercial and public activity involving my name is unauthorized.

They must immediately cease all use of my protected name and take corrective action regarding any DMV liens or public records they have created or maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Complaint Summary Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX filing a formal complaint due to several inaccuracies and inconsistencies across my credit reports with TransUnion, Experian, and Equifax. The following five accounts contain mismatched late payment reporting, missing payment history, incorrect balances, and inconsistent comment fields, which are negatively impacting my creditworthiness. 

XXXX. XXXX Account # XXXX XXXX & Experian report the account as open and current. 
Equifax reports it as closed and 60 days late with a past due of {$88.00}, despite payment activity showing otherwise. 
Comment fields are empty on TransUnion and Experian but list Account closed by credit grantor on XXXX 
Inconsistent reporting of status and payment history needs to be corrected. 

XXXX. XXXX XXXXXXXX Account # XXXX All three bureaus report the account as 90 days late. 
Payment history prior to the reported delinquency in XX/XX/2025 is missing, even though payments were made before this. 
This incomplete history creates a misleading negative profile that does not reflect actual payment activity. 

XXXX. XXXX XXXX  Account # XXXX All bureaus report the account as 60 days late. 
Equifax reports a high credit of {$0.00}, which is inaccurate compared to the {$420.00} reported by TransUnion and Experian. 
Again, on-time payments before delinquency are not displayed, misrepresenting my payment behavior. 

XXXX. XXXX Account # XXXX The comment fields differ across all three bureaus : TransUnion : Dispute resolved ; customer disagrees. 
Experian : Subscriber reports dispute resolved consumer disagrees. 
Equifax : Consumer disputes after resolution Account closed by credit grantor. 
This inconsistency creates confusion about the accounts status and outcome of the dispute. 

XXXX. XXXX Account XXXX XXXX TransUnion reports 60 days late, while Experian and Equifax report 90 days late. 
High credit is listed as {$2600.00} ( TransUnion ), {$2700.00} ( Experian ), and {$650.00} ( Equifax ). 
XXXX comments also vary across bureaus, from Account closed by consumer to XXXX line closed - consumer request. 
These reporting errors are misleading, inaccurate, and harmful to my financial standing. I respectfully request that the CFPB investigate and ensure these accounts are updated to reflect accurate, complete, and consistent information across all three credit bureaus, including : Removal of incorrect late payments Restoration of full payment history Correction of credit limits, balances, and comments Thank you for your time and assistance in resolving these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Complaint Summary Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX filing a formal complaint due to several inaccuracies and inconsistencies across my credit reports with TransUnion, Experian, and Equifax. The following five accounts contain mismatched late payment reporting, missing payment history, incorrect balances, and inconsistent comment fields, which are negatively impacting my creditworthiness. 

XXXX. XXXX Account # XXXX XXXX & Experian report the account as open and current. 
Equifax reports it as closed and 60 days late with a past due of {$88.00}, despite payment activity showing otherwise. 
Comment fields are empty on TransUnion and Experian but list Account closed by credit grantor on XXXX 
Inconsistent reporting of status and payment history needs to be corrected. 

XXXX. XXXX XXXXXXXX Account # XXXX All three bureaus report the account as 90 days late. 
Payment history prior to the reported delinquency in XX/XX/2025 is missing, even though payments were made before this. 
This incomplete history creates a misleading negative profile that does not reflect actual payment activity. 

XXXX. XXXX XXXX  Account # XXXX All bureaus report the account as 60 days late. 
Equifax reports a high credit of {$0.00}, which is inaccurate compared to the {$420.00} reported by TransUnion and Experian. 
Again, on-time payments before delinquency are not displayed, misrepresenting my payment behavior. 

XXXX. XXXX Account # XXXX The comment fields differ across all three bureaus : TransUnion : Dispute resolved ; customer disagrees. 
Experian : Subscriber reports dispute resolved consumer disagrees. 
Equifax : Consumer disputes after resolution Account closed by credit grantor. 
This inconsistency creates confusion about the accounts status and outcome of the dispute. 

XXXX. XXXX Account XXXX XXXX TransUnion reports 60 days late, while Experian and Equifax report 90 days late. 
High credit is listed as {$2600.00} ( TransUnion ), {$2700.00} ( Experian ), and {$650.00} ( Equifax ). 
XXXX comments also vary across bureaus, from Account closed by consumer to XXXX line closed - consumer request. 
These reporting errors are misleading, inaccurate, and harmful to my financial standing. I respectfully request that the CFPB investigate and ensure these accounts are updated to reflect accurate, complete, and consistent information across all three credit bureaus, including : Removal of incorrect late payments Restoration of full payment history Correction of credit limits, balances, and comments Thank you for your time and assistance in resolving these matters.

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 2025-04-16 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: GA

Complaint narrative:
Today, I found some unfamiliar and inaccurate accounts appearing on my credit report, and I dont understand why. I was doing my usual credit check when I noticed these discrepancies. I thought it might be a browser issue and tried refreshing the page, but that didnt fix it. Given this situation, Im asking that my submitted documents be carefully reviewed so I no longer have to worry about this problem.

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 2025-04-16 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: MD

Complaint narrative:
My account with EXPERIAN 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.

EXPERIAN 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 XXXX 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 explanation
Consumer complaint received 2025-04-17 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: SC

Complaint narrative:
The following accounts are not mine and were open without my consent : Account name-XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : 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