vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: PA

Complaint narrative:
Lendmark Financial Services [ Insert Address ] Subject : Formal Dispute of Inaccurate Credit Reporting Repossession Claim Dear Lendmark Financial Services, I am writing to formally dispute and demand immediate correction of inaccurate and unlawful information your company is reporting to the credit reporting agencies regarding an alleged vehicle repossession. This notation is appearing on my credit report and is damaging my creditworthiness, reputation, and financial standing. 

After reviewing my consumer report, I discovered that Lendmark Financial Services is reporting a repossession, which is false, misleading, and not in compliance with federal or state law. No lawful repossession action was ever initiated or completed in accordance with the Uniform Commercial Code ( UCC Article 9 ) or other relevant provisions governing secured transactions. 

Moreover, you are in willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of information to report accurate and verifiable information. By continuing to report this repossession without legal basis or evidence, you are engaging in : Willful Misconduct under FCRA 1681n, which allows for actual, statutory, and punitive damages, as well as attorneys fees.

Negligent Noncompliance under FCRA 1681o. 
Failure to conduct a reasonable investigation upon notification of a dispute. 
You are also reminded that under UCC 9-609, a secured party may only take possession of collateral after default without breach of the peace, and must comply with all contractual and statutory requirements. I have received no lawful notice of default, right to cure, or repossession proceedings, and therefore your reporting is baseless and unlawful. 

Demand for Action : Immediately remove the false repossession entry from all credit reporting agencies.

Provide written confirmation that the negative item has been deleted.

Provide copies of any and all documentation you claim supports the legitimacy of this repossession, including the original contract, payment history, notice of default, and evidence of lawful repossession. 
If you fail to correct and remedy this situation within 15 days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Pennsylvania Attorney Generals Office. I also reserve the right to pursue legal action for damages under the FCRA and any other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
The company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
The company is violating my rights they have not provided validation information under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently.

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 2025-04-08 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
XX/XX/year> - I wanted to pulling equity out of my home. My lender ( Quicken Loans/Rocket Mortgage ) took it upon themselves to do a refinance cash out. 
XX/XX/year> - Get down to last step before closing and was denied. I asked why l, and was told " high risk factor ''. I asked them " should have this been caught in beginning ''. no response. I Also asked for a detailed explanation of high risk factor- no one could answer. 
XX/XX/year> - I sent letter to lender, broker and underwriting requesting letter of denial and reason. 
XX/XX/year> - Recieved a response to explanation for denial, and was told " loan was removed from process due to the overall risk '', and this was the only information they could provide. Also check my online account for denial letter. 
XX/XX/year> - Checked my online account - no letter. Called client relations for help retrieving letter from online account- was told it would not be there, but had to requested one. So I did. 
XX/XX/year> - Recieved letter and reason and only reason stated " Other - Product/Program not available ''. 

- So it went from '' high risk factor '' to " product/program not available ''? 
- What does that mean? And are they able to just lead me on to just drop me and with a unclear reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent a letter to the credit bureau. Three independent agencies : Transunion, Experian and Equifax on XX/XX/year>. I have not received the investigation results and it's been over 30 days. Transunion sent me a letter dated XX/XX/year> saying they applaud my efforts to take charge of my credit but that the letter was not sent by. The letter was sent by me and I also sent them copies of the required identity verification documents. Experian sent me a response dated XX/XX/year> saying they received a recent request that does not appear to be sent by me. It was also me. I strongly believe these two companies do not investigate and send a generic letter to protect themselves as proof they replied. However their response is vague.

Equifax has not sent me anything.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I sent a letter to the credit bureau. Three independent agencies : Transunion, Experian and Equifax on XX/XX/year>. I have not received the investigation results and it's been over 30 days. Transunion sent me a letter dated XX/XX/year> saying they applaud my efforts to take charge of my credit but that the letter was not sent by. The letter was sent by me and I also sent them copies of the required identity verification documents. Experian sent me a response dated XX/XX/year> saying they received a recent request that does not appear to be sent by me. It was also me. I strongly believe these two companies do not investigate and send a generic letter to protect themselves as proof they replied. However their response is vague.

Equifax has not sent me anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
15 usc 1681a & 15 usc 1681a1 To whom it may concern : After recently pulling a copy of my credit report, was shocked by what I discovered I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

List name of the account with late payment : XXXX XXXX XXXXXXXX  The dates of the late payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Account numbers : XXXX I say this because, the states that my consumer report should not include any transactions or experiences between me the consumer consumer and any person making a report. Further more, never gave any consent for these alleged transactions. 
These are clear violations of a number of my consumer rights under 15 USC 1681a & 15 usc 1681a1 Please delete these late payments from my consumer report and update this account as soon as possible.

I am filing this complaint to dispute an inaccurately reported late payment on my auto loan account with [ 5/3 BANK NA ], in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

According to my credit report, XXXX XXXX XXXX XXXX XXXX reported late payments for the billing periods ending on or around [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ]. However, I made the payment on time, and I have attached documentation ( e.g., bank statement, payment confirmation ) to verify this.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report information accurately. Moreover, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item with a credit bureau , the furnisher must : 1. Conduct a reasonable investigation, 2. Review all relevant information provided by the credit bureau , 3. Correct or delete inaccurate or unverifiable information. 

Despite my dispute, [ XXXX XXXX  XXXX ] has continued to report the payment as late without correcting or removing the inaccurate data. This is causing ongoing harm to my credit profile and violates my rights under federal law. 

I am requesting that the CFPB take action to ensure : The inaccurate late payments to be removed ASAP My credit report is updated accordingly, [ XXXXXXXX XXXX XXXX  ] complies with the FCRA in future reporting. 

Supporting documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
15 usc 1681a & 15 usc 1681a1 To whom it may concern : After recently pulling a copy of my credit report, was shocked by what I discovered I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

List name of the account with late payment : XXXXXXXX XXXX XXXX  The dates of the late payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Account numbers : XXXX I say this because, the states that my consumer report should not include any transactions or experiences between me the consumer consumer and any person making a report. Further more, never gave any consent for these alleged transactions. 
These are clear violations of a number of my consumer rights under 15 USC 1681a & 15 usc 1681a1 Please delete these late payments from my consumer report and update this account as soon as possible.

I am filing this complaint to dispute an inaccurately reported late payment on my auto loan account with [ 5/3 BANK NA ], in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

According to my credit report, [ XXXX XXXX XXXXXXXX ] reported late payments for the billing periods ending on or around [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ]. However, I made the payment on time, and I have attached documentation ( e.g., bank statement, payment confirmation ) to verify this.

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report information accurately. Moreover, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item with a credit bureau , the furnisher must : 1. Conduct a reasonable investigation, XXXX Review all relevant information provided by the credit bureau XXXX XXXX. Correct or delete inaccurate or unverifiable information. 

Despite my dispute, [ XXXX XXXX XXXXXXXX ] has continued to report the payment as late without correcting or removing the inaccurate data. This is causing ongoing harm to my credit profile and violates my rights under federal law. 

I am requesting that the CFPB take action to ensure : The inaccurate late payments to be removed ASAP My credit report is updated accordingly, [ XXXX BANK NA ] complies with the FCRA in future reporting. 

Supporting documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
15 usc 1681a & 15 usc 1681a1 To whom it may concern : After recently pulling a copy of my credit report, was shocked by what I discovered I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

List name of the account with late payment : XXXXXXXX XXXX XXXX  The dates of the late payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Account numbers : XXXX I say this because, the states that my consumer report should not include any transactions or experiences between me the consumer consumer and any person making a report. Further more, never gave any consent for these alleged transactions. 
These are clear violations of a number of my consumer rights under 15 USC 1681a & 15 usc 1681a1 Please delete these late payments from my consumer report and update this account as soon as possible. 

I am filing this complaint to dispute an inaccurately reported late payment on my auto loan account with XXXX XXXX XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

According to my credit report, [ XXXXXXXX XXXX XXXXXXXX ] reported late payments for the billing periods ending on or around [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ]. However, I made the payment on time, and I have attached documentation ( e.g., bank statement, payment confirmation ) to verify this. 

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report information accurately. Moreover, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item with a credit bureau , the furnisher must : 1. Conduct a reasonable investigation, 2. Review all relevant information provided by the credit bureau , 3. Correct or delete inaccurate or unverifiable information. 

Despite my dispute, [ XXXX XXXX  XXXX ] has continued to report the payment as late without correcting or removing the inaccurate data. This is causing ongoing harm to my credit profile and violates my rights under federal law. 

I am requesting that the CFPB take action to ensure : The inaccurate late payments to be removed ASAP My credit report is updated accordingly, [ XXXX XXXX XXXX ] complies with the FCRA in future reporting. 

Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX BANK XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$810.00} Original Creditor : XXXX XXXX XXXXXXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX Balance {$580.00} XXXX XXXX Original Creditor : XXXX XXXX CO XXXX Balance {$170.00} Original XXXX XXXX XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-04-08 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX BANK XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance {$810.00} Original Creditor : XXXX XXXX XXXXXXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX Balance {$580.00} XXXX XXXX Original Creditor : XXXX XXXX CO XXXX Balance {$170.00} Original XXXX XXXX XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MN

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the 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