vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TX

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 explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am a consumer trying to fix inaccuracies on my credit reports. The following information appears incorrect, unverified, or improperly reported. I am requesting that each credit bureau conduct a full investigation under the FCRA and remove or correct any item that can not be fully validated with complete and accurate documentation from the furnishers.

Charged-Off / Collection Accounts ( Disputed ) I dispute the following derogatory accounts on my Experian report : XXXX XXXX XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX XXXX XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$4000.00} Please verify all details reported. Any account that can not be fully validated should be removed. 

Inquiries There are no inquiries being disputed with Experian at this time. 

Late Payments I dispute the late payment information for : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX These late payments appear inaccurate or unverifiable. I request that Experian obtain full documentation from the furnishers and remove any unverifiable entries.

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 2025-12-01 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Valon Technologies, Inc.
State: MN

Complaint narrative:
Today, I requested to know why my value on their site was {$100000.00} over the price that was assessed by the county. They stated it comes from the paperwork they received but did not send me that information. I sent the paperwork that shows current and future valuation. I had asked the holder of the mortgage which is still XXXX why the amount was over and they stated insurance company. I looked into that and found it to be over as well. I did not receive paperwork from them at the time the loan switched over to Valon mortgage. All paperwork from the county is specific on value but both companies have my property listed far above market and property value. This is the second time, as of today XX/XX/year>, trying to get information regarding a case his loan as the property value did not increase to {$470000.00}. The value is at {$360000.00} currently as full value and at {$340000.00} on taxable. I do not believe this company, Valon mortgage, is taking my concerns over excess amount I have been paying with their parent company, XXXX, for years. I truly want to know if this is fraud as they have raised my value well above that which is stated from my local government. I truly appreciate any assistance on this matter as it has been an ongoing problem with not o my these companies but also my insurance company XXXX XXXX XXXX who will not put my value down either. Thank you for your time and energy on this. Have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: DC

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion regarding inaccurate, inconsistent, and misleading reporting of an XXXX XXXX collection account. On XX/XX/year>, I submitted a second dispute because TransUnion failed to correct the errors or provide proper verification. 

Despite both disputes, TransUnion is still reporting multiple FCRA and XXXX XXXX violations. The account is incorrectly coded as an XXXX Account, which is not permitted for a collection and misrepresents my credit obligations. The tradeline is also missing a required Date of First Delinquency ( DOFD ), contains contradictory fields such as Paid Off XXXX XXXX while still reporting a {$640.00} balance, and shows an active balance with no statuscreating a misleading impression of ongoing activity. 

These issues violate FCRA 607 ( b ) ( maximum accuracy ), FCRA 623 ( a ) ( 1 ) ( furnishing inaccurate information ), and FCRA 623 ( a ) ( 5 ) ( prohibiting re-aging ). The contradictory data also violates Metro 2 requirements for collection accounts, which must report as static, not open or active accounts.

In both disputes, I requested verification documents, including the DOFD from the original creditor, the chain of title, itemized balance history, and proof XXXX is authorized to report. TransUnion did not provide this information within XXXX days, which is a violation of FCRA 611 ( a ) ( failure to properly reinvestigate ). The tradeline remains inaccurate and unverified.

I am requesting CFPB assistance to require TransUnion to conduct a proper reinvestigation, correct all Metro 2 and FCRA violations, and delete the account if the information can not be fully verified.

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 2025-12-01 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: SC

Complaint narrative:
The following Experian accounts and inquiries are reporting inaccurately or can not be verified. I am asking for a full reinvestigation in accordance with FCRA rules. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$38000.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-01 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: GA

Complaint narrative:
I am requesting a formal investigation into the accuracy and completeness of the information being reported under my Equifax credit file. I believe several accounts and inquiries are being reported inaccurately or without proper verification. I am exercising my rights under the FCRA to dispute these items and request validation and correction. 

CHARGED OFF ACCOUNTS ( XXXX ) XXXX Account XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$1600.00} This account is being reported inaccurately. Please investigate and provide verification of all data being furnished. 

INQUIRIES ( XXXX ) XXXX XX/XX/XXXX I do not recognize this inquiry. Please provide proof of permissible purpose. 

POSITIVE ( XXXX  ) ( No positive accounts listed for review. ) LATE PAYMENTS ( XXXX  ) I am disputing all late payment entries listed below. They are incorrect, not fully validated, or lacking proper reporting history. Please verify each XXXX or remove them for inaccuracy : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts listed ( multiple account numbers appear duplicated or inconsistent ) These entries appear to contain duplicate records, incomplete payment history, and potential reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
REQUESTING OMBUDSMAN & ESCROW DEPARTMENT TO AUDIT MY LOAN XXXX, CAUSED BY SPS CREATING FALSE ECROW COLLECTIONS, CORPORATE ADVANCE, AND PROPERTY PRESERVATION FEES, YEARS XX/XX/XXXX TO XX/XX/XXXX. SPS REFUSES TO REFUND MY FULL OVERAGES OVER SEVERAL YEARS. ANY AND ALL PROPERTY VALUES CAN BE OBTAINED FOR FREE FROM SEVERAL PLATFORMS, INCLUDING XXXX. I NEVER AUTHORIZE SPS, NOR DID THEY PROVIDE ME ANY PROOF, SUCH AS A COPY OF THE APPRAISER LICENSE NUMBER FROM FLORIDA STATE VIOLATING FEDERAL & STATE BANKING LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX to Experian Information Solutions on my Installment sales contract, account XXXXXXXX XXXX XXXX XXXX XXXX  for the date XX/XX/XXXX. This report is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX University ( XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A debt validation letter was sent with detail information I needed before the 30 days grace period passed and never received it. However they did send two statements along with 7 blank pieces of paper with 2 pieces of paper with signatures on them which is not what I requested.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-12-01 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NE

Complaint narrative:
I am disputing the accounts and inquiries listed below because they appear to be inaccurate, outdated, duplicated, or reported inconsistently with the other credit bureaus. Under the FCRA, TransUnion must ensure all information is complete, fair, and accurate. I request a full investigation and deletion of any information that can not be properly verified. 

CHARGED OFF ACCOUNTS : 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 XXXXXXXX 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 2025-12-01 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 disputing the accuracy of the following charged-off account on my Equifax credit report : CHARGED OFF XXXX XXXX XXXXXXXX, XX/XX/2022, {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: WI

Complaint narrative:
I am requesting that TransUnion investigate and remove the inaccurate charged-off accounts, inquiries, and late payments listed below. These items are misleading, unverifiable, or not reporting correctly, and they are negatively affecting my credit standing.

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Reported XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Reported XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Reported XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : XXXX Inquiry Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Disputes These late payments are not accurate and should be investigated. 

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 non-monetary relief
Consumer complaint received 2025-12-01 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: IN

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 2025-12-01 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: Experian Information Solutions Inc.
State: IN

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
school taxes not payed. the money at closing was put into a escrow account and transferred to Mr Cooper on XXXX. I am also having problems with getting the recast done right and taking a long time to put through. XXXX XXXX/MR cooper needs to have you fix them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
DEAR SIR/MADAM, I am writing to formally dispute the following accounts on my credit report. Please find the details of the accounts that are in dispute, separated by each credit bureau. 

CHARGED OFF XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$430.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-01 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-01 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with explanation