vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
We received your complaint. Thank you. 

I purchased a vehicle in which the sales agent XXXX XXXX told me to my face that my vehicle was a certified premium vehicle. It was not. I put XXXX down but they initially took XXXX my account. After I caught the problem a refund of XXXX was eventually returned. The vehicle was a XXXX and gave me problems from day XXXX. There was a rocking sound, a gas problem, issues with the starter, brakes, alternator and battery. Then there was the problem where the electrical system went out completely on the freeway which almost cost me my life. These concerns went all the way up to XXXX XXXX, the family owning XXXX XXXX. He promised to resolve my issues. I told him I no longer trusted XXXX after years of my family and partner doing business with them. I asked to have my down payment returned as the car was returned to them to sell or salvage. XXXX tried to pressure me by first offering me a lease of a newer XXXX at over XXXX then another at about XXXX a month. XXXX XXXX was authorized by the top brass to try to win me over. I refused and stood firm in demanding my full refund and the return of the vehicle that spent more time at XXXX XXXX Department than with me. Over XXXX months later, I have not heard a word from XXXX XXXX nor XXXX XXXX. When trying to contact the only person with any level of honesty and integrity, XXXX XXXX my service representative, she told me to bring the car in and she would handle my concerns. She ran the diagnostic check on the car and said the vehicle is a XXXX and not worth paying to have repaired. She then said she would speak to both XXXX and XXXX about how serious the problem is with the car. She said the car can not be driven and XXXX must take responsibility for this error. I learned XXXX had fired her. I am done with XXXX. I spoke to XXXX, who spoke to XXXX. XXXX lied to XXXX and said the car was not in their possession. XXXX has had the car since XXXX. XXXX said someone from XXXX would contact me. I received a text from XXXX that said, when can you bring the car in. It was XXXX. He was pretending he didn't know what was going on. XXXX is aware of my situation. There is no reason for XXXX to think I am going to pay for a car I do not have and is inoperable. XXXX needs to speak to XXXX and fix this by returning my initial deposit. I want my down payment refunded and a letter apologizing for the poor service I received. I will further my complaint with a letter to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX ( Plaintiff ) LoanDepot, Inc and LoanDepot.com, LLC ( Defendant ) Grounds for Relief 1. Plaintiff is the Executor of the property located at XXXX XXXX XXXX, XXXX, NC XXXX ( the XXXX ). 
2. Defendant is a banking institution in the State of North Carolina by the name of LoanDepot , Inc. or LoanDepot.com, LLC, under XXXX XXXX XXXX. XXXX ( Unfair and Deceptive Trade Practices Act ), the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, for unlawful, deceptive, and fraudulent mortgage servicing practices.

3. Defendant has illegally accepted and misapplied mortgage payments ( at least XXXX payments between XX/XX/year> until present - {$2100.00} ( monthly ) ), failed to credit payments properly to said mortgage accounts ( Acct : XXXX ), returned legitimate payments, and created a false late payment status leading to foreclosure proceedings against the XXXX XXXX XXXX ( history of illegal actions by Defendant can be referenced by XXXX et al. v. loanDepot.com, LLC California XXXX XXXX XXXX XXXX XXXX alleged recurring debits /Electronic funds Transfer Act ). 
Exhibit A Loan Depot Delinquency Notice ( XXXX payments submitted but returned ). 
Exhibit XXXX Returned Checks and Emails ( copies of emails explaining the concern which included copies of non-cashed returned checks ). 
4. Plaintiff seeks injunctive relief to stop foreclosure, monetary damages, and judicial remedies to ensure payments already submitted are properly credited.

5. Plaintiff has shown a likelihood of success on the merits of his claims.

6. Plaintiff will suffer irreparable harm if Defendant proceeds to collect, enforce, foreclose, or impose penalties related to the 2025 mortgage payments that were not properly credited to mortgage of property at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
7. The balance of equities favors Plaintiff, and granting relief is consistent with the public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
My report is showing late payments on an account that Ive already settled.

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 2025-10-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under XXXX XXXX. XXXX : XXXX XXXX XXXXXXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine

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 2025-10-02 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:
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 XXXX 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX- {$310.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IN

Complaint narrative:
This is a formal dispute of the late payment status being reported on my closed accounts. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ), consumer reporting agencies must ensure that information furnished is accurate, fair, and verifiable. 

A closed account should not continue to reflect or update late payment statuses once it has been closed. The continued reporting of late payments after account closure is misleading, inaccurate, and creates the false impression of ongoing delinquency. This violates my rights under the FCRA. 

I am requesting that you conduct a proper investigation and either ( 1 ) provide documented evidence proving the accuracy of these late payment entries on closed accounts, or ( 2 ) delete these inaccurate late payment notations from my credit report immediately. 

Failure to properly investigate and correct this unverifiable information will be considered non-compliance with federal 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I put a freeze on my credit through Experian and made a note in my records of the email address and pin number I used to do so. 

I now need to lift that freeze to request a new credit card but am completely unable to access my Experian account. 

I have tried every conceivable way to log in using their website -- all without any success. For example, when I enter my correct birthday and Social Security number on a form on their website I receive this error message : " Sorry, but that didn't match up. Please try again. '' I also have exhaustively tried reaching someone live at Experian. But each time I call I am routed to their phone tree, where I hear useless pre-recorded instructions, and am then hung-up upon. 

I need to open a new credit card and can not do so until Experian lifts the freeze. Please help.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent them the debt validation letter, and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account from XXXX XXXX XXXX XXXX with a balance of {$1800.00}. I have disputed this account and specifically requested the original purchase agreement signed with XXXX XXXX XXXX. I do not accept a bill of sale, internal notes, spreadsheets, or any other documentation only the original signed purchase agreement proves the debt and legal ownership. Despite my dispute, the account continues to be marked as verified and updated on my credit report. Under FCRA XXXX and FDCPA XXXX, it is illegal to verify, update, or report a debt without proper documentation proving its validity and that the collector legally owns it. I am requesting that the account be either fully validated with the original signed purchase agreement or immediately deleted from all credit reports and all collection activity cease.

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 2025-10-02 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: WA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX PM in XXXXXXXX XXXX, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXXXXXX XXXX - {$16000.00} ( account # XXXX ) XXXX XXXX - {$13000.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-10-02 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : WFC - XXXX - Account not mine XXXX XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-02 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: LA

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

XXXX XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$8100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$4300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-10-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened 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