vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: TX

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 word document. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-29 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: STATE EMPLOYEES CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX To : State Employees Credit Union XXXX XXXX XXXX XXXX, NC XXXX Subject : Dispute of Late Payment Reporting and Request for Removal under 15 U.S.C. 1666 & FCRA Re : Account XXXX. XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of a late payment reported on my credit file for the account listed above. The account is currently open and individual in responsibility, with an original balance of {$5000.00} and monthly payments of {$130.00}, opened on XX/XX/XXXX. 

According to the information on my credit report, a XXXX late payment was reported in XXXX, XXXX, and XXXX of XXXX. I am requesting that this negative information be investigated and removed, as I believe it may be inaccurate or a result of a billing error.

Under 15 U.S. Code 1666, I am exercising my rights to dispute a billing error within 60 days of the statement date on which the error first appeared. Furthermore, under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report only accurate and complete information to the credit reporting agencies. 

Please provide : A detailed breakdown of the payments due and made on the account from XX/XX/XXXX through XX/XX/XXXX. 

Any supporting documentation that justifies the XXXX late reports. 

The procedures you followed to verify the accuracy of this negative reporting to the credit bureaus. 

If this information can not be substantiated, I respectfully request the removal of the late payments from my credit report with all applicable credit reporting agencies ( XXXX XXXX XXXX XXXX ) and a corrected report to be sent to them. 

Please consider this letter as a formal dispute and a request for investigation. I request a written response within 30 days, as provided by the FCRA. Please confirm receipt of this letter and keep me informed of the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-05-29 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: UT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: UT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-29 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-05-29 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: OH

Complaint narrative:
I am formally disputing two late payment entries on my Experian credit report that are currently causing harm to my credit profile. The first is associated with my XXXX XXXX XXXX XXXX account ( Account XXXX. XXXX ), showing a late payment dated XX/XX/XXXX with a balance of {$14000.00}. This delinquency is inconsistent with the payment history provided by the creditor and is not aligned with how the same account is reported by other credit bureaus, which suggests Experian has failed to verify the accuracy of this entry. Secondly, the XXXX account ( Account XXXX. XXXX ) reflects a late payment from XX/XX/XXXX despite being closed and reporting a {$0.00} balance and {$0.00} past due amount. The presence of derogatory payment history on a closed account that carries no financial obligation is a direct contradiction of accurate reporting principles and appears to be outdated and unverifiable. 

Experian is mandated under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of the data it reports, and under 15 U.S.C. 1681i, to reinvestigate any item that is disputed by a consumer within the required 30-day timeframe. Given the conflicting data across credit bureaus and the illogical nature of late payment marks on closed and $ XXXX accounts, Experian has failed to adhere to these legal standards. Furthermore, the presence of these errors raises serious questions about the security and origin of the data, particularly in the context of recent data breaches across the credit industry that may have resulted in corrupted or incorrect entries being associated with consumer profiles.

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 2025-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we closed our first home purchase with Rocket Mortgage serving as our mortgage provider. In accordance with our closing statement, under Sec. F, the prepaid amount of {$2100.00} was allotted for the XXXX property taxes. However, upon closing, the property taxes for our XXXX XXXX were not issued nor were they available. The Closing XXXX, XXXX XXXX, requested the title company, XXXX XXXX, to send Rocket Mortgage a check of the allotted amount via certified mail. We have confirmation that Rocket Mortgage received the check and all original documents, but the necessary funds were deposited into an Unaffiliated XXXX XXXX account. 

As of todays date, XX/XX/XXXX, our property taxes for the previous year remain unpaid. 
We have attempted to resolve this matter through Rocket Mortgage ; The representatives weve been in correspondence with are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. We have yet to receive the owed payment. Due to this mishandling of funds, we have incurred delinquent late fees with an added 3 % interest as well as a tax lien sale on our property. Rocket Mortgage is in complete violation of our contract and due to their negligence, mismanagement of funds and potential fund. 

To facilitate the swift resolution of this issue, I kindly request that the outstanding balance owed to be paid in full by XX/XX/XXXX. Attached we provided a copy of the original closing statement, as mentioned above. 

This letter is a formal demand for payment. If the outstanding balance is not settled within the specified timeframe, I will be compelled to pursue further actions, which may include legal proceedings and involving the Consumer Financial Protection Bureau for this gross mismanagement. 

I trust this matter can be resolved promptly and amicably. I look forward to your immediate attention and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I requested multiple times to look into this matter and I dont get no response or call back. It was done fraudulently, and Ive already gotten my refund from the supposed electric bill and the deposit that was used from my card. As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account. 2 ) I Want to see the original wet signature i agreed to on the contract for this creditor. 3 ) Has there been any insurance claims on this debt? 4 ) I want the chain of title/ custody that you have to collect on this debt. If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Date : XXXX Keystone Equipment Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone : XXXX Subject : Dispute Regarding Refusal to Release Title for Fully Paid Semi-Truck Dear Sir or Madam, My name is XXXX XXXX, and I am writing to formally dispute the refusal to release the title for a Semi-Truck I financed through Keystone Equipment Financial Corp. 

I financed a Semi-Truck with a purchase price of {$110000.00} through XXXX in XX/XX/XXXX, with the down payment of {$25000.00} made to Keystone Equipment Financial Corp. I made payments on this vehicle for approximately two years. Due to financial difficulties caused by an XXXX XXXX, I requested extension payment and was granted a two-month extension, followed by a signed amendment dated XX/XX/XXXX, which extended the payment schedule further. 

According to this updated agreement, the final payment was made in XX/XX/XXXX, and the account under that specific contract is now paid in full. 

However, I have been denied the release of the title. I was informed that there is another vehicle on my account that remains unpaid. Please note that this second vehicle is under a completely separate contract signed in XXXX, which has no connection to the Semi-Truck financed under the original agreement. 

I spoke with XXXX, who confirmed by the phone calls the completion of payments under the original agreement, but stated that her supervisor is unwilling to release the title. 
This is unacceptable. It is unlawful and unethical to withhold the title for a fully paid vehicle due to a separate and unrelated agreement. Each financing contract should be considered independently. 

I requested the immediate release and delivery of the title for the fully paid Semi-Truck XXXX XXXX XXXX VIN : XXXX as required by our agreement and applicable laws, but didn't any answer.

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 2025-05-29 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: CA

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX/2012, Balance : {$00.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX2012, Balance : {$00.00}

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 2025-05-29 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:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX/2012, Balance : {$00.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX2012, Balance : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: COMMERCE BANK
State: KY

Complaint narrative:
I noticed a account on my report that i didnt open called commerce bank never even heard of them and they refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I have disputed this account a few times with the company. Each time I am told to contact the credit bureau. The credit bureau then tells me to contact the company. After multiple attempts to resolve, the account is not being removed. There are unauthorized charges on a the account and the company is not resolving the issue after years of me fighting this. I was told by a customer service representative that this account will be deleted from my credit reports. As of a few years later they have not removed the account.

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 2025-05-29 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: NJ

Complaint narrative:
I have disputed this account a few times with the company. Each time I am told to contact the credit bureau. The credit bureau then tells me to contact the company. After multiple attempts to resolve, the account is not being removed. There are unauthorized charges on a the account and the company is not resolving the issue after years of me fighting this. I was told by a customer service representative that this account will be deleted from my credit reports. As of a few years later they have not removed the account.

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 2025-05-29 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: NJ

Complaint narrative:
I have disputed this account a few times with the company. Each time I am told to contact the credit bureau. The credit bureau then tells me to contact the company. After multiple attempts to resolve, the account is not being removed. There are unauthorized charges on a the account and the company is not resolving the issue after years of me fighting this. I was told by a customer service representative that this account will be deleted from my credit reports. As of a few years later they have not removed the account.

Company response to consumer: Closed with explanation