vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
My account with EQUIFAX EXPERIAN TRANSUNION 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 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION 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 2025-04-24 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-04-24 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have applied for a loan modification and am unable to provide a luxury bill to verify occupancy on account of we have our mail sent to a different address that has a locked mailbox since our mail has been stolen on numerous occasions from the unlocked mailbox at our home/ property address. MrCooper has not provided me with any other ways to provide proof of occupancy and I am running out of time for saving the property. I have addressed this problem many times with them and still have not received any help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Brennan & Clark, Ltd., LLC
State: MO

Complaint narrative:
I requested documents to prove the amount owed and this company did not provide. I need proof. Here is an email from XXXX since no one wants to listen. Prove to me the balance and if this case gets closed im seeking someone different because you all are lying. Email below : {$15000.00} please prove to me the balance owed that you are trying to collect like I requested. 

From : XXXX, XXXX XXXX. 
Sent : Friday, XX/XX/XXXXXXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : * * DECLINED PAYMENT * * XXXX XXXX XXXX Hello, Another declined payment. This needs to be paid by XXXX est today XX/XX/XXXX. I have advised this can not be an issue every week, especially considering you still owe over $ XXXX. 


XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX From : XXXX, XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : RE : PENDING LEGAL ACTIONXXXX XXXX XXXX XXXX Hello, Unfortunately, we have not heard from you. We would like to handle this in house prior to referring to our legal department. Which will end up costing you more money. 

As of today the balance owed to XXXX is {$15000.00}. This has been outstanding since XX/XX/XXXX for XXXX XXXX. I need to hear back before XXXX est on XX/XX/XXXX. Youve had ample opportunity to reach out to discuss your payment options, or ask questions. 


XXXX XXXXXXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I submitted disputes to XXXX through XXXX XXXX XXXX XXXX XXXX XXXX for several accounts that were inaccurate or unverifiable. On XX/XX/year>, the disputes were marked as resolved and approved, indicating the accounts would be corrected or removed. However, the accounts are still appearing on my credit report, and there is no indication that any changes were actually made. 

Dispute ID : XXXX Accounts involved : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  investigation was incomplete and did not result in any actual corrections, despite approval status. Ive received no clear communication or updated reporting to confirm resolution. This is impacting my credit profile unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I am writing to report identity theft and request the removal of unauthorized accounts that have been fraudulently opened in my name. I have never applied for credit with any of the financial institutions listed below. My identity was compromised, and I am a victim of identity theft. These accounts do not belong to me, and I did not authorize their opening. 

The following accounts are fraudulent and were opened without my knowledge or consent : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts are now impacting my credit report and financial stability. I am asking for the CFPBs assistance in investigating this matter and facilitating the removal of these accounts from my credit profile. 

I have never had a relationship with these institutions, nor have I applied for or authorized any credit accounts through them. 

Please let me know if you require any additional documentation to process this complaint. I am committed to fully cooperating with your investigation and working to restore the accuracy of my credit report. 

Thank you for your assistance.

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 2025-04-24 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:
I am writing to formally file a complaint against Experian for failing to correct inaccurate information regarding XXXX XXXX XXXX XXXX Late Payments on my credit report after I submitted a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as filing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive requested a credit line increase with my bank provider XXXX XXXXXXXX and was denied and ineligible due to my report delinquency and false accusations I have the full report from XXXX XXXX stating false accusations regarding my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO

Complaint narrative:
XXXX loan paid off the first and second mortgage on my house. The new second mortgage paid off a Citibank loan. There was no commerce bank loan. All interest was paid. All principal was paid. I paid all taxes and insurance in my payment. I made {$100000.00} payments on a loan on my duplex at XXXX XXXX. I paid {$130000.00} to an interest only loan at XXXX XXXX  My duplex was taken in foreclosure. The loan was never in default. There is no release. There was no second mortgage. MORTGAGE ON MY HOUSE. Select XXXX XXXX was collecting for a loan from XXXX XXXXXXXX was collecting for a loan from onewest bank. One West Bank was collecting for the loan the bought from XXXX XXXXXXXX XXXX. XXXX Federal came from the receivership of XXXX by the fdic. The XXXX loan was modified from {$260000.00} to {$290000.00}. And included {$32000.00}. This is the Citibank loan I paid off in XXXX plus. {$1000.00} interest paid to first XXXX in XXXX. This is the loan included in first mortgage transferred to countrywide. These are loans paid off on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
A prior complaint was made and filed with this body for an organization called XXXX who was making repeated attempts to collect a debt which they could not prove that I owed. When I reported them to the CFPD I got a notice from this company called Resurgent who manages the debt for LVNV Funding LLC. And that they initiated a review of the inquiry recently received. 

It is unclear to me how XXXX, Resurgent and LVNV are all connected but this is how it appears. They provided me with a billing statement for the debt and a in house produced statement that they state is not a statement from the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MI

Complaint narrative:
I submitted a formal dispute to TransUnion on XX/XX/year>, regarding a collection account from XXXX XXXX XXXX for the amount of {$520.00}. 

TransUnion has failed to provide me with any form of method of verification ( MOV ) or supporting documentation to validate that the account belongs to me. 

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes information on their report, the credit bureau has 30 days to verify the accuracy of the information. If it can not be verified, the disputed account must be deleted.

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 2025-04-24 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX has written off a debt yet has not sent me a1099C. I wish to file the written off amount as income with the IRS. In order to move forward with removing this damaging information from my credit report. I feel this has been shifting from Bureau to Bureau for an unnecessary extended period of time to deliberately keep my credit score at an unfavorable score. Charge offs should require an opportunity to be file as taxed income. Company is not willing to cooperate with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Inquiry into Deceptive Re-aging Practices by JPMCB AUTO Reporting to Credit Bureaus To Whom It May Concern, I am submitting this formal complaint to request your investigation into JPMCB AUTO 's reporting practices on my credit file. This creditor has repeatedly reported repossession/foreclosure and charge-off statuses for the same account over multiple months ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), creating a pattern of re-aging the account. 

Given that the Fair Credit Reporting Act ( FCRA ) explicitly prohibits altering the date of first delinquency to extend the derogatory impact beyond the allowable period, I am seeking clarity on the following : Is this practice of reporting multiple derogatory events across consecutive months for the same account an acceptable standard under the FCRA, or does this constitute deceptive re-aging? 

I kindly request your office to review this matter and provide a formal response. I am prepared to supply any additional documentation to support my claim. 
Thank you for your time and attention. I look forward to your clarification and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-04-24 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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