vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Late Payment Reporting Account No. XXXX ( XXXX XXXX ) To Whom It XXXX Concern, I am writing to formally dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX Note Loan ( Account ending in XXXX  ). 
The account was opened XX/XX/XXXX, carried an original balance of {$5000.00}, and was paid in full and closed as of XX/XX/XXXX with a {$0.00} balance. Despite its closed and paid status, my credit reports continue to show XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
Basis of Dispute : XXXX. The account was paid and closed in good standing, and there should be no derogatory reporting associated with it. 
XXXX. XXXX XXXX has not provided documentation verifying that these alleged late payments were validly assessed. 
XXXX. Under XXXX XXXX. XXXX ( FCRA ), the credit reporting agencies are required to delete or correct any information that can not be verified. 
XXXX. Continuing to report these XXXX late payments on an otherwise paid account is misleading and does not accurately reflect my credit history. 
Action Requested : I demand that the credit bureaus : Delete the XXXX late payments from XX/XX/XXXX and XX/XX/XXXX ; OR Correct the reporting to reflect XXXX XXXX XXXX XXXX XXXX 
If the disputed information can not be verified with proper documentation, you must remove it immediately as required by the FCRA. Failure to do so will result in complaints being filed with the CFPB, the FTC, and the Florida Attorney XXXX XXXX for noncompliance. 
Please provide me with the results of your reinvestigation, including documentation relied upon, within XXXX  days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

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: TX

Complaint narrative:
I assert no connection to these accounts ; they should be taken off in 15 days in compliance with USC 1681g.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please, see my " Identity theft report '' and documents in the attachments.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have doubts about this late submissionplease review it.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
b'I am submitting a follow up complaint and I appreciate your help in removing some of the fraudulent information from my credit file. However, several accounts still remain and need to be deleted. As stated under FCRA Section 605, inaccurate or fraudulent information must be removed. Ive already submitted the required documents and am resending them here. If these items are not resolved, my attorney is prepared to take further action. The remaining disputed accounts include:XXXX XXXX BalanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, I transferred my property back to XXXX XXXX XXXX XXXX ( XXXX ). 

On XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) sent my account for collection to Meridian Financial Services ( Original Amount : {$1800.00} ; Balance {$2500.00} ). 

On XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) reported a collection to XXXX  and XXXX. 

On XXXX XX/XX/XXXX, I contacted XXXX XXXX of XXXX ( XXXX ) to confirmed that my account was properly settled and they agreed. They also stated that they will contact XXXX  to remove the collection. 

Around XXXX XX/XX/XXXX, I submitted a disputed to both XXXX and XXXX. 

On XXXX XX/XX/XXXX, XXXX  investigation results confirmed the error and cleared my collection in my credit report. ( Original Balance : {$1800.00}, Status : Paid off ) However, on XXXX XX/XX/XXXX, XXXX  investigation results stated that the collection was accurate and left the collection in credit report. ( Original Amount : {$1800.00} ; Balance {$2500.00} ). On XXXX XX/XX/XXXX, I also disputed the results from XXXX  Investigation

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Date : XX/XX/XXXX Via Certified Mail To Whom It XXXX Concern, Re : Formal Dispute of Inaccurate Reporting Account No. XXXX I am formally disputing the accuracy of the information being reported on my credit file regarding the above-referenced student loan account. This account, opened on XX/XX/XXXX, is currently reported as open, deferred with payments not due until XX/XX/XXXX, yet your records continue to reflect inconsistent or inaccurate reporting across multiple months and years. 
Specifically : The payment history from XXXX through XXXX reflects repeated entries of XXXX XXXX XXXX XXXXXXXX ), despite the account being in deferment. Under FCRA XXXX, furnishers of credit information are required to report accurate and complete data. Missing or inconsistent reporting creates the false appearance of delinquency or incomplete history. 
The account is in deferment until XX/XX/XXXX with a XXXX XXXX  monthly payment, yet your reporting includes activity such as a last payment date of XX/XX/XXXX. This is inconsistent and misleading for an account that is legally deferred. 
No original creditor information is listed, despite FCRA requirements for completeness of consumer reporting.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting : 1. A complete reinvestigation into the accuracy of all infor
mation being furnished on this account.

2. Verification of the payment history, deferment status, and last payment date as reported.

3. Correction or deletion of any information that can not be verified or that is being inaccurately reported.

4. Identification of the current owner/servicer of this account, and clarification as to why the original creditor field is being reported as blank. 
If the information you are reporting can not be fully verified with proper documentation, you are required by law to delete or correct it immediately. Failure to comply with the FCRA may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action to protect my rights.

Please provide me with the results of your reinvestigation, along with copies of any documentation you relied upon, within the XXXX timeframe required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-09-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Date : XX/XX/XXXX Via Certified Mail To Whom It XXXX Concern, Re : Formal Dispute of Inaccurate Reporting Account No. XXXX I am formally disputing the accuracy of the information being reported on my credit file regarding the above-referenced student loan account. This account, opened on XX/XX/XXXX, is currently reported as open, deferred with payments not due until XX/XX/XXXX, yet your records continue to reflect inconsistent or inaccurate reporting across multiple months and years. 
Specifically : The payment history from XXXX through XXXX reflects repeated entries of ND ( XXXX XXXX ), despite the account being in deferment. Under FCRA XXXX, furnishers of credit information are required to report accurate and complete data. Missing or inconsistent reporting creates the false appearance of delinquency or incomplete history. 
The account is in deferment until XX/XX/XXXX with a XXXX XXXX monthly payment, yet your reporting includes activity such as a last payment date of XX/XX/XXXX. This is inconsistent and misleading for an account that is legally deferred. 
No original creditor information is listed, despite FCRA requirements for completeness of consumer reporting.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting : 1. A complete reinvestigation into the accuracy of all information being furnished on this account.

2. Verification of the payment history, deferment status, and last payment date as reported. 
XXXX. Correction or deletion of any information that can not be verified or that is being inaccurately reported. 
XXXX. Identification of the current owner/servicer of this account, and clarification as to why the original creditor field is being reported as blank. 
If the information you are reporting can not be fully verified with proper documentation, you are required by law to delete or correct it immediately. Failure to comply with the FCRA may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action to protect my rights.

Please provide me with the results of your reinvestigation, along with copies of any documentation you relied upon, within the XXXX timeframe required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, 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
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
XX/XX/XXXX @ XXXX received a message I opted out I said stop XX/XX/XXXX received a message at XXXX XXXX  XX/XX/XXXX received XXXX XXXX  XX/XX/XXXX received a message at XXXX XXXX  Harris & Harris constantly violate the laws set in place to protect the public and they continue they need to remove this off my credit report or I will get an attorney and sue them for violating my rights as a consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
There are many loans on my credit report that I never made or acknowledged.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After submitting a dispute about inaccurate information on my credit report, I was informed that the account was " verified '' by the furnisher. However, the furnisher never contacted me, provided no supporting documentation, and failed to explain how the verification was conducted. This lack of a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), particularly the standards set forth in FCRA 602 ( A ) ( which requires fairness and accuracy ) and 611 ( which requires a reasonable reinvestigation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$42000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Subject : Harassment, Threats, and Improper Repossession of Vehicle Without Required Notices Company : Exeter Finance Product : Auto loan Issue : Threatening/harassing communication and failure to provide required post-repossession documents Description of Complaint : I am filing this complaint against Exeter Finance due to their repeated harassment, threats, and unlawful repossession practices regarding my auto loan for a XXXX XXXX XXXX 

In the weeks leading up to the repossession, Exeter Finance representatives repeatedly harassed and threatened me by phone regarding late payments. Their tone and language were aggressive and intimidating. These phone calls caused significant emotional distress and created a hostile environment in which I felt coerced rather than supported in resolving my account issues. 

Ultimately, my vehicle was repossessed without proper notice or due process. I was not provided with key documents, including : A Notice of Intent to Repossess, My Right to Redeem or Reinstate the Loan, or Instructions for retrieving personal items from the repossession lot. 

To make matters worse, the vehicle was sold at auction almost immediately, leaving me with no meaningful opportunity to recover the car or address the situation. 

I believe Exeter Finance 's actions violate consumer protection laws and repossession notification requirements under both state and federal regulations. Their failure to provide critical documentation, combined with their aggressive conduct, has caused financial and emotional hardship. 

Resolution Sought : A formal investigation into Exeter Finance 's debt collection and repossession practices Confirmation of whether Exeter followed all legal requirements for repossession and auction If violations are found, appropriate penalties or corrective action Any available compensation or remedy for the mishandling of my loan and property

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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX, Account No. XXXX To Whom It May Concern, I am formally disputing inaccurate information appearing on my credit file regarding the above-referenced XXXX  XXXX account XXXX 
This account was opened on XX/XX/XXXX, with an original balance of {$450.00}, and was paid in full and closed as of XX/XX/XXXX with a {$0.00} balance. Despite this, my credit report continues to reflect two late payments ( XX/XX/XXXX and XX/XX/XXXX ). 
Basis of Dispute : 1. Misleading Reporting on a Closed Account The account is fully paid and closed. Reporting derogatory late payments on an otherwise satisfied account is inaccurate and unfairly damages my credit profile. 
2. Failure of Verification Under 15 U.S.C. 1681i, the credit reporting agencies must reinvestigate and verify the accuracy of disputed information. Unless XXXX can provide documented proof of these alleged late payments, they must be deleted. 
3. FCRA 623 ( a ) Violation Furnishers are prohibited from reporting information that is inaccurate or misleading. Reporting Paid, Closed while simultaneously showing late payments is contradictory and not an accurate representation of the account status. 
Action Requested : I demand the following corrective actions : Delete the late payments from XX/XX/XXXX and XX/XX/XXXX. 
Correct the reporting to reflect Closed Paid as Agreed / Never Late.

If these lates can not be fully verified with documentation, they must be removed immediately. Continued inaccurate reporting will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, as well as consideration of legal remedies for damages. 
Please provide the results of your reinvestigation, along with copies of any documentation relied upon, within the 30 days required by law. 
Respectfully, XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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 non-monetary relief