vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX CARD XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am respectfully writing you to dispute the bankruptcy listed on my credit report. I have a letter from the court verifying that this bankruptcy must not be disclosed. Moreover, an unapproved external party is included, which complicates this issue further.

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 2025-03-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

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. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : Experian, XXXX, XXXX Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS VIOLATIONS OF FCRA, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX This letter serves as formal legal notice that your agencies are unlawfully reporting and continuously updating inaccurate late payments on my credit report in violation of 15 U.S.C. 1681i ( a ), Metro 2 Compliance, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Despite prior disputes, you continue to reinsert or update these derogatory marks, which is a direct violation of federal law and a willful act of defamation against my consumer credit profile. 

List of Illegal Late Payments You Are Reporting : XX/XX/XXXX30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX XXXX 30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30 days late ( Experian, Equifax, TransUnion ) These late payments must be deleted immediately for the following reasons : 1. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( FCRA 1681i ( a ) ) Under 15 U.S.C. 1681i ( a ), a credit reporting agency must conduct an actual investigation when a consumer disputes an account. However, you have failed to verify these late payments with independently verifiable evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The Seventh Circuit Court ruled that credit bureaus can not rely solely on information from the original creditor when investigating disputes. Since you have failed to produce independent verification, your continued reporting of these late payments is legally indefensible.

3. VIOLATION OF 15 U.S.C. 1666B TIMING OF PAYMENTS According to 15 U.S.C. 1666B, a creditor can not treat a payment as late if it was received within the required timeframe. If you or the creditor can not prove that these payments wer
e actually late beyond the permissible billing period, they must be deleted immediately.

4. WILLFUL NONCOMPLIANCE & LIABILITY UNDER 15 U.S.C. 1681N Each of these inaccurate late payments constitutes a separate FCRA violation, for which I am entitled to {$1000.00} per violation under 15 U.S.C. 1681n. Based on my report, there are 88 late payments all together from equifax Experian transunion, which amounts to {$88000.00} in statutory damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : Experian, XXXX, XXXX Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS VIOLATIONS OF FCRA, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX This letter serves as formal legal notice that your agencies are unlawfully reporting and continuously updating inaccurate late payments on my credit report in violation of 15 U.S.C. 1681i ( a ), Metro 2 Compliance, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Despite prior disputes, you continue to reinsert or update these derogatory marks, which is a direct violation of federal law and a willful act of defamation against my consumer credit profile. 

List of Illegal Late Payments You Are Reporting : XX/XX/XXXX30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX XXXX 30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30 days late ( Experian, Equifax, TransUnion ) These late payments must be deleted immediately for the following reasons : 1. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( FCRA 1681i ( a ) ) Under 15 U.S.C. 1681i ( a ), a credit reporting agency must conduct an actual investigation when a consumer disputes an account. However, you have failed to verify these late payments with independently verifiable evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The Seventh Circuit Court ruled that credit bureaus can not rely solely on information from the original creditor when investigating disputes. Since you have failed to produce independent verification, your continued reporting of these late payments is legally indefensible.

3. VIOLATION OF 15 U.S.C. 1666B TIMING OF PAYMENTS According to 15 U.S.C. 1666B, a creditor can not treat a payment as late if it was received within the required timeframe. If you or the creditor can not prove that these payments wer
e actually late beyond the permissible billing period, they must be deleted immediately.

4. WILLFUL NONCOMPLIANCE & LIABILITY UNDER 15 U.S.C. 1681N Each of these inaccurate late payments constitutes a separate FCRA violation, for which I am entitled to {$1000.00} per violation under 15 U.S.C. 1681n. Based on my report, there are 88 late payments all together from equifax Experian transunion, which amounts to {$88000.00} in statutory damages. 

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 2025-03-12 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-03-12 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: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
Without notice or communication the collection company Voss & Klein reported a debt on my credit report that does not belong to me.

The debt involves unpaid fuel charges to a vessel owned by an LLC. I did not contract the debt and did not receive the benefits of that service.

If there is any money owed, it is owed by a different entity, not me. Voss & Klein did not engage in due dilligence and arbitrarily reported the debt on my credit report.

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 2025-03-12 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My loan was sold to rocket mortgage. I was never notified. At least by phone or email. My loan with XXXX was on autopay, so when I got calls saying my loan with rocket mortgage was past due, I ignored because I was unaware I had a loan with Rocket Mortgage. When I logged in I saw it was past due, but the autopay was on, so I paid no attention thinking the next month would be fine, but the autopay never went through because it was late. Once I paid the late amount to get my account in right standing, my credit took a hit of XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Deletion Due to TransUnion Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX Credit # XXXX Dear XXXX I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX XXXX # XXXX ], has failed to respond to the dispute. 

As per the law, since TransUnion has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX XXXX # XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions. 

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights. 

Failure to remove this account will also violate Fair Debt Collection Practices Act ( FDCPA ) section 1692g. Which I will be requested a {$1000.00} for each violation. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

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 2025-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
In XX/XX/XXXX, Freedom Mortgage agreed to a trial payment plan allowing me to make specified payments from XXXX to XX/XX/XXXX, with the understanding that these payments would bring my loan to active status and out of default. I have adhered to this agreement, making all payments on time using Freedom Mortgage 's phone service platform. 

Despite fulfilling my obligations, I received a letter in XX/XX/XXXX claiming that my XXXX payment was insufficient, although it matched the amount specified by their phone service. When I attempted to address this discrepancy, Freedom Mortgage was uncooperative, ultimately instructing me to submit a new Loss Mitigation application. I complied and sent the completed application on XX/XX/XXXX, well before the XX/XX/XXXX deadline, and received automatic email confirmation of its receipt. 

Shockingly, I was later informed via a letter received this week that my application was never received, placing my mortgage in default. Additionally, I was warned that my loan might advance from default to foreclosure if I can not make arrangements. Despite the lack of a formal payment arrangement, I continued to make payments for XXXX and XXXX to demonstrate my commitment to resolving this matter and retaining my home. 

I have resubmitted my application today, but I am concerned that Freedom Mortgage is not acting in good faith to assist me in rectifying this situation. This situation has caused significant stress and may result in severe financial consequences. 

I kindly request the Consumer Protection Bureau to intervene and investigate this matter to ensure that Freedom Mortgage adheres to fair practices and honors agreements made with its customers. 

Thank you for your attention to this urgent matter.

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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I filed a FERPA complaint on XXXX XXXX 2025 to Student aid and Nelnet. In addition, I submitted a dispute on XXXX XXXX and XXXX to discharged the loans from my credit given the breach of my information. As of today XX/XX/2025 I will be pursuing to file a second dispute for further investigation regarding my dispute given it was denied. It public record that DOGE or XXXX XXXX and government parties has actively violated millions of citizen FERPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
XXXX XXXX had my account as opened since XXXX and now they want to change the account status as closed since XX/XX/XXXX after I made the payments consistently for those 3 months after I asked XXXX XXXXXXXX  to grant me a good will letter due to me trying to fix my credit to get a home, and this happens the day after?? Very sketchy they reported my account as late so many times when the account was suppose to be closed and now they decide to put it as closed when I started having a XXXX month back to back on time payment history trying to clear that closed account! Thats XXXX illegal and a shame they committed something like that! They playing with my life!!! As a retired veteran this is a back stab from a military based bank!!

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