vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: MD

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 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I contacted Rocket Mortgage after receiving an escrow increase notice in XX/XX/year>. Shortly afterward, I was contacted by an individual impersonating Rocket Mortgage, who had full access to my loan information, social security number, and banking details. I was instructed to pay {$2200.00} at a XXXX XXXX due to a " system issue. '' When I later contacted Rocket Mortgage to confirm the transaction, I was informed that they were aware of similar complaints but had not warned customers. As a result of their failure to warn me, I lost {$2200.00}. 

Rocket Mortgage 's negligence and failure to act violate consumer protection laws and directly contributed to my financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
ACCORDING TO THE FAIR CREDIT REPORTING ACT, Bankruptcy File Number XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : ALSO STATES THAT A CONSUMER REPORTING AGENCY MAY NOT PROVIDE a bankruptcy without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), establishes congressional findings and the Act 's purpose, emphasizing the importance of fair and accurate credit reporting for the banking system.

The Credit Reporting Agencies are allowing Furnishers to violate the law ( FCRA ) and my consumer rights in an unfair way by conducting sham investigations and not holding Furnishers accountable to their responsibilities under 15 U.S.C. 1681s-2 ; The following Furnishers has failed to notice or validate debt in violation of 15 U.S.C. 1692g. Furnisher are in violation of 15 U.S.C. 1666b for reporting late payments on an open end credit plan without delivering 1637b notices before due dates. Furnishers are also reporting excluded information " solely as to the transactions and experiences between the consumer and the person making the report ; '' in violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

I made Cease and Desist request to all Furnishers until the BILLING ERROR RESOLUTION PROCESSES were complete. Furnishers are in violation of those 15 U.S.C. 1692c ( c ) Cease and Desist requests as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The Credit Reporting Agencies have also verified the following accounts without providing Methods of Verification per Section 611 of the FCRA, in violation of 15 U.S.C. 1681i ( a ) ( 7 ) ; 1. Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WHEELS FINANCIAL GROUP, LLC.
State: TN

Complaint narrative:
Loanmart refuses to communicate with me on how to reinstate the account and get the car back. 
I have asked for months and also they have declined to respond to my hold request made almsot 20 days ago so we can work domething out. 
The XXXX  needs a whole new front end, exhaust system and more so about $ XXXX of work done. Its our only car as a famil and tbeir lack of communication is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-01 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 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 2025-05-01 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: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-05-01 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: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
The company offered no hard credit pull to identify if you qualify for their card. However despite what is clearly reflected on their website, and without any sort of notice they processed the application as a " hard inquiry ''. The company is falsely advertising and using deceptive practices to engage potential customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-01 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of multiple accounts on my TransUnion credit report. Despite my previous disputes, these accounts remain on my report, and your office has failed to properly investigate, instead canceling investigations and impeding my ability to maintain accurate credit records. Due to this negligence, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). The following accounts are erroneously reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX for There are XXXX XXXX XXXX accounts listed that do not belong to me. These accounts are invalid, and I request immediate removal from my credit report. XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$14000.00}. XXXX. XXXX XXXX Last reported XX/XX/XXXX in the amount of {$1100.00}. XXXX. XXXXXXXX XXXX -Last reported XX/XX/XXXX in the amount of {$37000.00} with a XXXX duplicate account reporting XXXX XXXX Last reported XXXX XXXX, XXXX {$0.00}. This XXXXXXXX XXXX account is being reported twice for the same incorrect loan, further damaging my credit. This duplication is inaccurate and must be corrected immediately XXXX. XXXX Account A XXXX account is being reported this is also not mine further damaging my credit. This is inaccurate and must be removed immediately. I request that TransUnion conduct a thorough investigation into these errors and remove all the invalid accounts from my report immediately. Failure to take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ) will result in further complaints to regulatory agencies. Attached are copies of my identification and any supporting documentation to assist with your investigation. Please provide me with a written confirmation once these errors have been resolved. Thank you for your prompt attention to this matter. I expect a full response within the timeframe outlined by the FCRA.

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 2025-05-01 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:
Subject : Complaint Against Experian for Failing to Block Fraudulent Account as Required by FCRA 15 U.S.C. 1681c-2 To Whom It May Concern, I am filing this complaint against the credit reporting agency Experian due to their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information from a consumers credit report within four business days of receiving proper documentation. 

On the first week of XXXX, I sent Experian a formal dispute letter identifying a fraudulent account on my credit report. In accordance with FCRA Section 1681c-2, I provided the necessary documentation, including a copy of my identity theft report and proof of my identity, requesting the immediate blocking of the fraudulent account from my credit file. 

To date, Experian has failed to block the fraudulent account and has not conducted a proper investigation as required by law. This delay is causing me continued harm, as the fraudulent information remains on my credit report, negatively impacting my creditworthiness. 

Experians inaction is a clear violation of federal law. I respectfully request that the CFPB investigate this matter and ensure Experian complies with the FCRA by promptly removing the fraudulent account from my credit report and ceasing any further reporting of this inaccurate information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-05-01 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:
I am writing to formally request the removal of a XXXX XXXX XXXX  account with a {$300.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 
Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within 30 days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated 30-day timeframe.

Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 
I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 
If this matter is not resolved within 30 days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: WA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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