vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had car thur westlake financial, they over charged me, as i pay for XXXX years on this car, I allowed to have the car back, and they charged off that car, But at the same time they reporting to XXXX that the account is open and stating XXXX missed payments,, I will take them to small claims court if it keep reporting that in correct information,,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with XXXX XXXX, the errors remain uncorrected, causing significant harm to my credit score and financial reputation.

Details of the Complaint I received notice from the Experian Credit Bureau that XXXX XXXX modified the account balance owed in error. Below is the information currently reflected on my Experian credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}. 

Additionally, XXXX Mortgage processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified. 

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX reported an increase in the account balance instead of a decrease, causing my credit score to go down by 1 point.

Impact : This incorrect reporting negatively affects my credit score and financial reputation.

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting. 

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX XXXX over the XXXX XXXX holiday and was hospitalized in XXXX  for XXXX weeks. XXXX XXXX  refused to do their due diligence in their credit investigation ( XXXX ). 

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with XXXX XXXX, the errors remain uncorrected, causing significant harm to my credit score and financial reputation. 

Details of the Complaint I received notice from the XXXX Credit Bureau that XXXX XXXX  modified the account balance owed in error. Below is the information currently reflected on my XXXX credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}. 

Additionally, XXXX XXXX processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified. 

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported an increase in the account balance instead of a decrease, causing my credit score to go down by XXXX point. 

Impact : This incorrect reporting negatively affects my credit score and financial reputation. 

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting. 

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX  XXXX over the XXXX XXXX holiday and was hospitalized in XXXX  for XXXX weeks. XXXX XXXX refused to do their due diligence in their credit investigation ( XXXX ). 

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Rocket Mortgage for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting on my credit report. Despite my efforts to resolve these issues directly with XXXX XXXX, the errors remain uncorrected, causing significant harm to my credit score and financial reputation. 

Details of the Complaint I received notice from the XXXX Credit Bureau that XXXX XXXX  modified the account balance owed in error. Below is the information currently reflected on my XXXX credit report, which I believe is also present on my reports with the other two major credit bureaus : Previous Balance : {$280000.00} Current Balance : {$280000.00} This information is absolutely incorrect. As of XX/XX/XXXX, my mortgage balance is {$280000.00}. 

Additionally, XXXX XXXX  processed my payment late in XX/XX/XXXX and reported it as 30 days late due to the XXXX XXXX holiday. This late payment reporting is inaccurate and unjustified. 

Violations under FCRA ( Fair Credit Reporting Act ) Incorrect Reporting of Account Balance Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported an increase in the account balance instead of a decrease, causing my credit score to go down by 1 point. 

Impact : This incorrect reporting negatively affects my credit score and financial reputation.

Late Payment Reporting Due to Holiday Law : FCRA Section 611 ( 15 U.S.C. 1681i ) Description : XXXX XXXX  reported the XX/XX/XXXX payment as late due to the XXXX XXXX holiday, which is not a valid reason for late payment reporting. 

Impact : This incorrect late payment reporting negatively affects my credit score and financial reputation. My husband had a XXXX  XXXX over the XXXX XXXX holiday and was hospitalized in XXXX  for XXXX weeks. XXXX XXXX  refused to do their due diligence in their credit investigation ( XXXX ). 

Impact on My Credit Score and Financial Reputation These errors have caused my credit score to decrease, leading to potential higher interest rates, loan denials, and difficulty obtaining new credit. The incorrect reporting of my account balance and the unjustified late payment have significantly harmed my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 explanation
Consumer complaint received 2025-03-05 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: TN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally dispute a charge-off account with Navy FCU that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, Navy FCU is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings. The amount being pursued is {$7100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CT

Complaint narrative:
On XX/XX/2025 The Credit Bureau Transunion stated XXXX XXXX ACCT # XXXX XXXX XXXX, ACCT # XXXX was properly investigation but how it that possible if the account is closed and status is open, the date last active/activity is inaccurate, the last date reported is not accurate who is this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This ground for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: FL

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
We were contacted by Synchrony bank with regards to Lowes credit card. We were then contacted by a credit collection bureau and we explained discrepancies in amount. Also explained Synchrony had charged off the amount as a bad debt and closed the account. Also explained only income received is protected. They said they would return the account to Synchrony with that information. Synchrony forwarded the account to XXXX XXXX XXXX XXXX XXXX XXXX for legal action. The attorney is aware of a cease and desist notice on the account but the attorneys contacted me in writing anyway. They were told about the only type of income received but they didn't care. They told me about the cease and desist but notified me with regards to the bill without regards to the no contact information. Then tried to force a payment arrangement. Synchrony Bank and XXXX XXXX XXXXXXXX were both aware of the no contact with regards to this 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal dispute regarding inaccuracies in my credit report related to my personal information. Specifically, I have identified incorrect variations of my addresses that do not accurately reflect my legal identity. My full legal name is XXXX XXXX XXXX, and my correct current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. However, my credit report reflects inaccurate addresses that should not be associated with me. In particular, I am disputing the following incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This entry are inaccurate and should be removed immediately to ensure my credit report reflects only correct and verifiable personal information. I am requesting that the CFPB ensure that the credit reporting agencies properly investigate and correct these errors as required under the FCRA, 15 U.S.C. 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX 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