vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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 recently submitted 3 complaints, 1 on each credit bureau, Equifax, TransUnion, Experian. They have responded that the information i have disputed is correct cause they verified it but did not send me no verification or validation paperwork on how this process was done or obtained. I have requested them to remove errors on my credit report and they yet to do so. I have never gotten paperwork from either 3 credit bureau proving how they verified with the creditor which I have requested not once or twice not even 5 times but I have requested more than 10 times. They keep updating my credit score as if I had barley opened those accounts I'm disputing, which is really affecting my family and me. I demand something be done with these companies causing harm. By them not doing a full amd proper investigation. I have had this issue for the past few years with them Equifax, TransUnion, Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I recently submitted 3 complaints, 1 on each credit bureau, Equifax, TransUnion, Experian. They have responded that the information i have disputed is correct cause they verified it but did not send me no verification or validation paperwork on how this process was done or obtained. I have requested them to remove errors on my credit report and they yet to do so. I have never gotten paperwork from either 3 credit bureau proving how they verified with the creditor which I have requested not once or twice not even 5 times but I have requested more than 10 times. They keep updating my credit score as if I had barley opened those accounts I'm disputing, which is really affecting my family and me. I demand something be done with these companies causing harm. By them not doing a full amd proper investigation. I have had this issue for the past few years with them Equifax, TransUnion, Experian.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax & Transunion have my credit age as 2 years and 6 months as incorrect, however, in their system they have the following information in their system but they are not calculating the age of credit accurately. ( Experian has the credit age more accurate, stating an account that is 26 years old ) The age of my oldest credit is 2006 and so my credit age needs to say 19 years and 1 month Please change the age of my credit to 19 years and 1 month and restore all my points as in the category of GREAT. There are two additional companies with documentation to support a much longer credit age than what they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-05 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: NY

Complaint narrative:
EQUIFAX, TRANSUNION AND EXPERIAN HAVE COMPLETELY VIOLATED MY RIGHTS. ALL THREE OF THESE AGENCIES HAVE FURNISHED INNACURATE, FRAUDULENT AND OUTDATED INFORMATION THAT IS MORE THAN 10 YEARS OLD ON MY CONSUMER REPORT. I AM A VICITM OF IDENTITY THEFT SINCE MY INFORMATION HAS BEEN APART OF THE EQUIFAX DATA BREACH WHICH A LAWYER RECENTLY BROUGHT TO MY ATTENTION. I HAVE PROOF INCLUDING BREACH ENGAGEMENT NUMBER ATTACHED TO THIS COMPLAINT. EQUIFAX, EXPERIAN AND TRANSUNION HAVE FAILED TO ACCURATELY LOOK INTO MY DISPUTES, AS I HAVE NEVER RECEIVED ANY RESOLUTION TO ANY OF MY CLAIMS INSTEAD HAVE BEEN IGNORED. ALL THREE OF THESE AGENCIES ARE IN VIOLATION OF MULTIPLE FCRA LAWS BUT SPECIFICALLY IN VIOLATION OF FCRA 1681i ( a ) ( 1 ) AND SECTION 1681c OF THE FCRA. THIS HAS BEEN CAUSING ME A REAL BIG FINANCIAL BURDEN AND XXXX. I AM REQUESTING THIS MATTER IS IMMEDIATELY HANDLED FOR THE SAKE OF MY HEALTH AND SANITY. I DO NOT BELIEVE THIS IS FAIR TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-05 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Every collection on my Experian, transunion and equifax accounts all failed to provide me with original contracts and proof of ownership of said collections and derogatory reports on my credit report. I have been in contact with them to try to fix this and this is not interfering with my ability to buy a house. I have been fighting them since 2017. Some have fallen off of my credit report after the 7 year statute of limitations laws in place for Illinois however I should not have to wait for that for accounts that are not mine. I have requested a fraud lock on my credit report last year and the inquiries keep coming in as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

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 U.S.C 1681. 

Account name # XXXX, Account name # XXXX, Account name # XXXX, Account name # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section A section 2, states a consumer reporting agency can not furnish an account without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I noticed upon reviewing my credit report some inaccuracies .This letter serves as a formal dispute and request for a procedural investigation into inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in questions bears the number 5178 and requires immediate review and correction. Thank 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
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I noticed upon reviewing my credit report some inaccuracies .This letter serves as a formal dispute and request for a procedural investigation into inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in questions bears the number 5178 and requires immediate review and correction. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I noticed upon reviewing my credit report some inaccuracies .This letter serves as a formal dispute and request for a procedural investigation into inaccurate information, as is my right under FCRA 15 USC 1681 ( i ). The account in questions bears the number 5178 and requires immediate review and correction. Thank 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
Consumer complaint received 2025-02-05 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: FL

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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to assure Equifax, complies with Federal Law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXXXXXX XXXX XXXXXXXX Acct # XXXX As per report Not more than two payments past due. No specific dates provided. 
XXXX XXXX XXXX 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX XXXX XXXX XXXX As per report : At least 120 days or more than four payments past due. No specific dates provided. 
XXXX XXXX XXXX Acct XXXX XXXX 30 Days Late XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX  Acct # XXXX 30 Days Late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX - Acct XXXX XXXX 30 days past due XX/XX/XXXX XXXX XXXX  XXXX Acct # XXXX 90 Days XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As well as Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX 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  ) Even previous addresses showing in my Equifax Reports are incorrect as I have never lived in : XXXX XXXX XXXX, XXXX, WI XXXX - XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my Mortgage Company Rocket Mortgage paid for my homeowners Insurance Loggerhead Insurance {$2400.00}. Then on XX/XX/XXXX they received an invoice from another Insurance company XXXX for {$4000.00} and paid that insurance company without me know about it. I never knew anything about XXXX XXXX. I am already covered with XXXX. I contacted Rocket Mortgage to get the information on the XXXX policy. I called XXXX and requested to Cancel the policy and refund the money. On XX/XX/XXXX I paid Rocket Mortgage the {$4000.00}. and email Rocket Mortgage proof the XXXX POLICY is cancelled. I noticed the correct Homeowners policy is still not correct on the escrow account. I called rocket mortgage again on XX/XX/XXXX XXXX to fix the amount of the escrow from {$4000.00} to {$2400.00} the amount for the XXXX policy. It is still not correct and looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I disputed XXXX XXXX account due to reporting inaccurate information. This was added back to my credit report within 6 hours of me filing the report. It was not sent to the reporting agency for a proper investigation. 

Around XX/XX/XXXX I disputed bread card rewards, XXXX XXXX, and sync/care credit account. These items were added back to my report noting the incorrect information will remain on my credit report. There was no documentation that these items were investigated or verified as accurate by the reporting agency. I was not provided an updated credit report. Experian is not properly investigating disputes.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Acct # XXXX ( XXXXXXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( XXXXXXXX XXXX XXXX  ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. 
Under the laws of the State of ( State where the car was repossessed ) XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.

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 2025-02-05 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: FL

Complaint narrative:
Re : Acct # XXXX ( XXXXXXXX XXXX XXXX  ) To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by ( XXXX XXXX XXXX ) Please provide me with the pre and post sales letters, I never received them this account can not be reported to any credit agency without my written consent or the pre and post sales letters mailed to me. 
Under the laws of the State of ( State where the car was repossessed ) XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies.

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 2025-02-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief