vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
My complaint Is with Ford credit. Out of nowhere in the middle of the night, they took my car. I've been making my payments. When I spoke to them recently, they said I was all caught up. I didn't get any other alerts.No other phone calls nothing. So I don't know what happened. I know recently i've been sick. My wife been back and forth out the hospital. My wife has a XXXX. This is the only car I have between us. We have no other car. My wife is under a lot of medical care and without a car, I can't take her for her medical care. I can not even go to work. There's no transportation nearby. I live in an area that has no access to transportation. 


I knew I was about to make another payment to them. I could not because recently my account was compromised by XXXX bank. Fraud was committed on my account. I have the documentation to prove it. It's under investigation. My direct deposits can't go into the bank account.It has to be mailed so I was waiting for my check to come in the mail. That will allow me to make my next payment. 


I don't know what happened. I need them to give me back my car.That is the only source of me getting to help my wife needs to get to and from her doctors. Today, I suppose I have went to pick up her medication.And I have no way of getting there. Please all I need is my car back. Whatever I have to pay, I'll just pay just a long step to get my car back right now. 


I am also a person with XXXX.I have no way of getting around. So i'm trying to understand what exactly happened.There was no letters that came in common.No phone calls, no text alerts. Please I just need to get my car back today.I have no way to get to work.I have no way to get my wife.The help she needs. Like I said, my wife is backing forward to and from hospitals.Doing procedures and everything there's no way I could get her the help.She needs without my car. 


I need tell me when my car is too. A lot of my wife 's medical stuff is in the car too. She has no way of getting any of her stuff. Please all I need is the car to be returned back to me.This is an emergency. My wife is under treatment that she goes to a place.A number of times a week she has no way of going. I need to see what's going on.And just return my car back, please. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-01 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: AR

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report is showing information that is incorrect and causing damage to my credit profile. First, an address is being reported that does not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I have no connection to this address, and I am requesting that it be removed from my report immediately. There are also several accounts being reported with late payments, but I have never made any late payments on these accounts. The accounts showing inaccurate late payment history are with XXXX XXXX XXXX Bank ( Account XXXX, High Balance {$610.00}, Opened XX/XX/XXXX ), XXXX XXXX XXXX ( Account XXXX, High Balance {$35000.00}, Opened XX/XX/XXXX ), XXXX XXXX XXXX ( Account XXXX, High Balance {$36000.00}, Opened XX/XX/XXXX ), and Dept of EDXXXX XXXX Account XXXX, High Balance {$7600.00}, Opened XX/XX/XXXX ). Since I have always made my payments on time, I am requesting that these late payment marks be corrected after proper investigation. There is also a charge-off account that I do not recognize or have any knowledge of : XXXX CARD ( Account XXXX, High Balance {$650.00}, Opened XX/XX/XXXX ). Because I do not know this account and never authorized it, I request that this account be deleted unless it can be verified with proof. I am asking for a full review of these issues and for corrections or removal where verification can not be provided.

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 2025-12-01 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-01 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: GA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I ask that the CFPB assist in getting TransUnion to properly investigate the following inaccurate and unverified items. 

XXXX. CHARGED-OFF ACCOUNTS ( TransUnion ) XXXX Bank Accts : XXXX XXXX XXXX, XXXX Various dates Balance : XXXX XXXX Acct : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : XXXX INQUIRIES ( TransUnion ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS ( TransUnion ) XXXX  Acct : XXXX XXXX XXXX Acct : 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 2025-12-01 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: CT

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

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 2025-12-01 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: CT

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

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 2025-12-01 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 disputing the following accounts because they are reporting inaccurate dates, balances, ownership, or status. Some of these accounts can not be verified, and I am asking for a complete reinvestigation. Any unverifiable or inaccurate information must be deleted in compliance with the FCRA. 

CHARGED OFF / COLLECTION ACCOUNTS XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : XXXX XXXX XXXX Acct : XXXX, XXXX : XX/XX/XXXX, Balance : XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : XXXX XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : XXXX XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : XXXX INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-12-01 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-01 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : 1. XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Select Portfolio Servicing is reporting XXXX XXXX late payments for XX/XX/year> and XX/XX/year> that are inaccurate and unverifiable. 
I requested validation of these late payments, including payment posting logs, payment history records, timestamped servicing notes, and XXXXXXXX XXXXcompliant reporting data. SPS has not provided full documentation. 
The information being furnished to the credit bureaus is incomplete and not in full compliance with FCRA 611 or XXXX XXXX standards. 
I am requesting a full investigation and correction or removal of the inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX is reporting an account on my TransUnion credit report that does not belong to me. XXXX sent me a letter stating they can not locate any account in my name, but they are not removing it from TransUnion. I need this inaccurate account deleted immediately under the FCRA.

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 2025-12-01 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All disputable debt that are stated on my credit report from all agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am formally requesting the removal of the following late payment from my credit report. This is an error in billing. I have consistently met my payment deadlines. I consistently ensure timely payments as my account is set to auto pay. Kindly ensure that updates are completed promptly and without delay. Attached are all the necessary documents for your review.

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 2025-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian '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 ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, 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 XXXX 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 ( XXXX ), 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 Experian 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 2025-12-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation