vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: MA

Complaint narrative:
Dear Cfpb ; I am filing a formal dispute against Experian, Equifax, and TransUnion for failing to conduct proper investigations and continuing to report inaccurate, unverifiable, and conflicting information on my credit report, despite multiple prior disputes. The credit bureaus have repeatedly verified inaccurate accounts using pre-printed template responses instead of conducting a legitimate reinvestigation, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Key Issues & Legal Violations Failure to Conduct Proper Investigations The CFPB has sued Experian XXXX XXXX XXXX XXXXXXXX ) and fined Equifax {$15.00} million for improper dispute handling, mirroring my experience. 
Unlawful Reinsertions Accounts that were previously removed have reappeared without notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Conflicting & Inconsistent Reporting The same accounts are reported differently across credit bureaus, violating 15 U.S.C. 1681e ( b ) ( maximum accuracy requirement ). 
Failure to Provide Verification of Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), unverifiable accounts must be deleted within 30 days. I have not received any valid documentation proving these debts are legitimate.

Missing IRS Form 1099-C for Charge-Offs Charged-off accounts must be reported to the IRS if canceled. No such forms were issued, casting doubt on the validity of these debts.

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 2025-03-10 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: MA

Complaint narrative:
Dear Cfpb ; I am filing a formal dispute against Experian, Equifax, and TransUnion for failing to conduct proper investigations and continuing to report inaccurate, unverifiable, and conflicting information on my credit report, despite multiple prior disputes. The credit bureaus have repeatedly verified inaccurate accounts using pre-printed template responses instead of conducting a legitimate reinvestigation, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Key Issues & Legal Violations Failure to Conduct Proper Investigations The CFPB has sued Experian XXXX XXXX XXXX XXXXXXXX ) and fined Equifax {$15.00} million for improper dispute handling, mirroring my experience. 
Unlawful Reinsertions Accounts that were previously removed have reappeared without notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Conflicting & Inconsistent Reporting The same accounts are reported differently across credit bureaus, violating 15 U.S.C. 1681e ( b ) ( maximum accuracy requirement ). 
Failure to Provide Verification of Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), unverifiable accounts must be deleted within 30 days. I have not received any valid documentation proving these debts are legitimate.

Missing IRS Form 1099-C for Charge-Offs Charged-off accounts must be reported to the IRS if canceled. No such forms were issued, casting doubt on the validity of these debts.

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 2025-03-10 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:
XXXX XXXX XXXX XXXX there was fraud to the account, provided emails, pictures, and talked to XXXX XXXX  several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX there was fraud to the account, provided emails, pictures, and talked to customer resolutions several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.

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 2025-03-10 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:
XXXX XXXX XXXX XXXXXX/XX/year>, there was fraud to the account, provided emails, pictures, and talked to customer resolutions several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.

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 2025-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX I sent in the funds ( {$120000.00} ) to pay off my mortgage. Rocket mortgage logged the checks on XXXX XXXXXX/XX/XXXX. It is now a month later and my mortgage is still not paid off. Rocket mortgage is sitting on my funds without paying me any interest while expecting me to continue making mortgage payments. I have called numerous times and even escalated the issue. They keep giving me dates that the loan will be paid off that come and go without any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX  days before the payment due date.

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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 XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be updated.

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 XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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!

Update 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 non-monetary relief
Consumer complaint received 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-10 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-10 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: MN

Complaint narrative:
I disputed a collection account with [ Experian/Equifax ] , and the dispute was resolved in my favor. However, they have failed to remove the account from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This collection is actively preventing me from obtaining necessary credit, and I need it removed immediately. 

I have attempted to contact [ Experian/Equifax ] multiple times, but they have intentionally kept me on hold for extended periods, making it impossible to speak with a representative. This is an unfair business practice designed to delay resolution. 

I am formally requesting that [ Experian/Equifax ] remove this collection account immediately and provide written confirmation of its deletion within 48 hours. If this is not resolved promptly, I will escalate this issue further, including filing a complaint with my State Attorney Generals Office and seeking legal action for damages caused by their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX XXXX XXXX XXXX I submitted my payment in full ; however, due to the early closure of XXXXXXXX XXXX for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX XXXX, I respectfully submit that it is unjust to penalize me for a payment that was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX XXXX XXXX XXXX I submitted my payment in full ; however, due to the early closure of XXXXXXXX XXXX for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX XXXX, I respectfully submit that it is unjust to penalize me for a payment that was made on time.

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
If you look at my history of disputes with the CFPB I have been making complaints about the same accounts for 2 years now XXXX XXXX and XXXX xxxxxx. TransUnion fails to conduct proper research for the inaccuracies on my credit file. The XXXX. Late Payments After XXXX : Reporting monthly late payments post-charge-off is redundant, misleading, and a violation of FCRA 607 ( b ), which requires maximum accuracy. A charge-off already indicates delinquency, and additional late payments are inaccurate. XXXX. Re-Aging of Account : Repeatedly updating this account as a new delinquency unlawfully extends the statute of limitations and harms my credit profile. This practice violates federal law. 3. Reports a balance inconsistently across credit bureaus, this violates FCRA 1681s-2 ( b ) Under FCRA 609 ( a ) ( 1 ), I am entitled to review the documentation used to verify this account, including : -The original contract bearing my signature. -Complete payment history and proof of default. -Documentation substantiating the charge-off and any updates.. Ive attached the letters and the screenshots necessary for this complaint.

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 2025-03-10 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This pratice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( a ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged debt without permissible purpose or verifiable proof, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The debt in question is allegedly from Synchrony Bank - XXXX XXXX, associated with account number XXXXXXXXXXXX1397, with a claimed balance of {$1600.00}. There is no evidence that I owe this debt, yet XXXX XXXX XXXX XXXX XXXX has made no effort to ensure maximum possible accuracy, demonstrating willful non-compliance with federal law and a reckless disregard for my consumer rights. I am formally disputing this debt and demanding immediate validation. If XXXX XXXX XXXX XXXX XXXX claims that this debt is valid, it must provide legally binding proof of its enforceability against me, including a complete breakdown of the balance, documented proof of ownership showing the legal right to collect, and a full payment history from the original creditor. Without such documentation, there is no basis for collection efforts or for associating my name with this account. If no valid proof can be provided, XXXX XXXX XXXX XXXX XXXX must immediately confirm in writing that all collection attempts will cease and that my personal information will be permanently disassociated from this account. Any further attempts to collect this debt without verification constitute a direct violation of federal law. Additionally, under XXXX XXXX. XXXX ( c ), I demand that XXXX XXXX XXXX XXXX XXXX cease all communication with me unless it is to provide the legally required validation. Any continued attempts to collect without proper documentation will be considered willful misconduct, subject to penalties of up to {$1000.00} per violation. This is not a requestit is a formal legal demand that requires immediate action.

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 2025-03-10 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 explanation