vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint because Equifax continues to report medical debt on my credit file, which is now a violation of federal law. As of XXXX the Consumer Financial Protection Bureau ( CFPB ) finalized a rule that prohibits medical debt from appearing on credit reports. This rule also bars creditors from using medical debt in lending decisions. Despite this, Equifax has refused to remove the medical debt after I submitted two prior disputes and a third on [ insert recent dispute date ].

This debt should not only be excluded due to the new law, but it also should have been sent to the Department of Veterans Affairs, as I am 100 % covered by the VA and eligible for full medical benefits. I have made multiple good-faith efforts to resolve this issue through proper dispute channels. 

Equifax is willfully noncompliant with current federal regulations and is causing harm to my credit standing. I am requesting immediate removal of all medical debt entries in accordance with the CFPBs XXXX  ruling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint because Equifax continues to report medical debt on my credit file, which is now a violation of federal law. As of XXXX the Consumer Financial Protection Bureau ( CFPB ) finalized a rule that prohibits medical debt from appearing on credit reports. This rule also bars creditors from using medical debt in lending decisions. Despite this, Equifax has refused to remove the medical debt after I submitted two prior disputes and a third on [ insert recent dispute date ].

This debt should not only be excluded due to the new law, but it also should have been sent to the Department of Veterans Affairs, as I am 100 % covered by the VA and eligible for full medical benefits. I have made multiple good-faith efforts to resolve this issue through proper dispute channels. 

Equifax is willfully noncompliant with current federal regulations and is causing harm to my credit standing. I am requesting immediate removal of all medical debt entries in accordance with the CFPBs XXXX  ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX AND XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and 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 reported in to be removed.

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. 

XXXX AND XXXX XXXX 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!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/year> i received an email that my password has been changed, after researching, it was changed on XX/XX/year>, yet i was notified a week later. I immediately called SPS and was notified that XXXX XXXX is the executor of the XXXX XXXX XXXX XXXX. No she is not, she's a tenant in our home that we are preparing to sale. I have sent SPS the attached document MULTIPLE TIMES, I have proven my legal connection with the property, yet they are allowing someone else to manage it. 

In XX/XX/year> i spoke to a manager ( XXXX XXXX ) and he told me if i have any other issues, don't hesitate to call and leave a message for him with customer service and he would return my call. One Customer Service rep stated they don't know him and can't take the message. The 2nd rep stated he wasn't in and she can't take a message. She's changing passwords and managing an account that she has NO LEGAL Jurisdiction over. 

I need help immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent late payment reporting on my credit file regarding my auto loan account ending in XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these erroneous entries. 
According to my records, I have never been late on this account. However, my credit reports from TransUnion, Experian, and Equifax show conflicting late payment entries. These discrepancies clearly demonstrate that the information being reported is inaccurate and potentially damaging to my creditworthiness. Please find the discrepancies outlined below : TransUnion Reports the following late payments : XXXX 2023 30 days late XXXX 2023 60 days late XXXX 2023 30 days late XXXX 2023 30 days late Experian Reports a different sequence of late payments : XXXX 2023 30 days late XXXX 2023 60 days late XXXX 2023 30 days late XXXX 2023 30 days late Equifax Reports additional and extended late payments : XXXX 2023 30 days late XXXX 2023 30 days late XXXX 2023 30 days late These conflicting reports across the three credit bureaus for the same account are clear indicators of inconsistent and inaccurate data furnished by the creditor. I maintain that I have made all payments on time, and no valid documentation should exist to support these derogatory entries. 
I am requesting that each of these inaccurate late payment notations from XXXX 2023 through XXXX 2023 be investigated and removed from my credit file. If the creditor can not verify the accuracy of these late payment reports with proper documentation, they must be deleted from my report in compliance with the FCRA. 
Attached are supporting documents including screenshots of the discrepancies as reported by each bureau. I expect a prompt resolution and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 
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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and discovered several late payment notations that are incorrect and damaging my credit profile. These entries do not reflect my true payment history, and I did not receive any valid or lawful notice verifying these late payments.

I did not authorize this inaccurate reporting, nor was I provided proof of late payments as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ). These entries were never properly verified and are being reported in error. I have disputed these late payments directly with the credit bureau and requested that they reinvestigate and remove all inaccurate data immediately. 

The continued reporting of these false entries is causing financial harm, and I am requesting the credit bureau to comply with federal law by updating my credit file to reflect accurate, verified, and lawful payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe XXXX ; account XXXX XXXX XXXX XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt. Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt. The name and address of the original creditor. A complete breakdown of the claimed amount, including Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations. Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation. Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA. Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( 559.72 ). Failure to validate may constitute a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

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 2025-04-23 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

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 non-monetary relief
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Reporting Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent late payment reporting on my credit file regarding my auto loan account ending in XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these erroneous entries. 
According to my records, I have never been late on this account. However, my credit reports from TransUnion, Experian, and Equifax show conflicting late payment entries. These discrepancies clearly demonstrate that the information being reported is inaccurate and potentially damaging to my creditworthiness. Please find the discrepancies outlined below : TransUnion Reports the following late payments : XXXX 2023 30 days late XXXX 2023 60 days late XXXX 2023 30 days late XXXX 2023 30 days late Experian Reports a different sequence of late payments : XXXX 2023 30 days late XXXX 2023 60 days late XXXX 2023 30 days late XXXX 2023 30 days late Equifax Reports additional and extended late payments : XXXX 2023 30 days late XXXX 2023 30 days late XXXX 2023 30 days late These conflicting reports across the three credit bureaus for the same account are clear indicators of inconsistent and inaccurate data furnished by the creditor. I maintain that I have made all payments on time, and no valid documentation should exist to support these derogatory entries. 
I am requesting that each of these inaccurate late payment notations from XXXX 2023 through XXXX 2023 be investigated and removed from my credit file. If the creditor can not verify the accuracy of these late payment reports with proper documentation, they must be deleted from my report in compliance with the FCRA. 
Attached are supporting documents including screenshots of the discrepancies as reported by each bureau. I expect a prompt resolution and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 
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 non-monetary relief