vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-25 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 am writing to formally dispute certain items on my TransUnion credit report. The accounts listed below contain inaccuracies that I request be corrected as soon as possible. 

Charged Off Accounts : ( No entries provided ) Inquiries : 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  Reason for Dispute : This inquiry is not authorized by me. I request a full investigation into this inquirys validity.

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 2025-11-25 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 dispute certain items on my Experian credit report. The accounts listed below contain inaccuracies that I request be corrected as soon as possible. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : The reported information is inaccurate, as I believe this account was paid in full. I request verification of the charge-off status and the complete history of this account. 

Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : This inquiry is not authorized by me. I request a full investigation into this inquirys validity. 

Late Payment : XXXXXXXX XXXX XXXX Account Number : XXXX Reason for Dispute : I believe that the reported late payment is incorrect, as I made the payment on time. I request verification of the payment history for 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Axela Technologies, Inc
State: LA

Complaint narrative:
On XX/XX/year> I requested via email for a settlement offer and I was told by collector XXXX XXXX that they could not discuss settlement options with me via email and it had to be only via email I attempted to call the agency and a rep XXXX couldnt advise me if that was company policy and she put me on hold for XXXX minutes before call ended on their end. Also the collection agency has charged a {$400.00} as a collection fee. Company is Schwartz Vays

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 2025-11-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. COLLECTION ACCOUNT CONTAINS INCONSISTENT REPORTING ACROSS BUREAUS-MUST BE DELETED UNDER US 1681i . 
PORTFOLIO Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 



FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY XXXX AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
There is no connection between me and these accounts ; they must be taken down within 15 days per USC 1681g.

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 2025-11-25 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: NJ

Complaint narrative:
I am following up on my previous complaint regarding the inaccurate late payment on my XXXX account ( Account XXXX : XXXX ) reported by Experian. Despite multiple disputes and my previous efforts, this late payment remains on my Experian report, while TransUnion and Equifax have correctly reported the account as " Paid as Agreed '' or " XXXX. '' This is beyond frustrating, and I am appalled by Experian 's continued failure to correct this blatant error. 

As previously stated, I WAS NEVER LATE ON THIS ACCOUNT, and yet Experian has irresponsibly reported it as late without proper verification. My credit reports from Equifax and TransUnion do not show this account as late, which further confirms that Experian 's reporting is incorrect. How is it that the other bureaus get it right, yet Experian continues to get it wrong? This is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which mandates that all information reported must be accurate. The fact that Experian has failed to comply with this is unacceptable, and I am extremely dissatisfied with the lack of progress. 
Experians actions raise serious questions about their verification process. How can they continue to report unverified information when TransUnion and Equifax have it right? It is clear that their negligence and failure to follow the FCRA is harming my credit score and financial opportunities.

I am not going to tolerate this error being left unresolved any longer. I demand that Experian immediately fix this late payment error and update the account to reflect the same status as reported by TransUnion and Equifax 'Paid as Agreed ' or 'Current '. DO NOT DELETE THE ACCOUNT, JUST FIX THE LATE PAYMENT ERROR. 

If Experian fails to take action this time, I will be forced to escalate this matter. I will file complaints with the Attorney General and pursue civil action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking statutory damages for willful non-compliance and negligence. I am prepared to take legal action, INCLUDING FILING A LAWSUIT, as there is a clear violation of the maximum possible accuracy requirement under the FCRA. 

This needs to be addressed immediately. I will not sit back while Experian continues to violate my rights under the law. I expect to see action on this issue without further delay, or I will take all necessary steps to hold Experian accountable for their negligence and violations of 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Global Lending Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Paid Account Balance Request for Credit Report Update Dear Customer Relations Team, I am writing to confirm that I paid the full balance of {$5700.00} on XX/XX/year> via certified mail with a check, as stated in the email communications I have received from your office over the past XXXX years. 
Since you accepted this payment, I kindly request that you update your records to reflect that this account is paid in full and remove any negative reporting from my credit file. This adjustment is necessary to ensure my credit report accurately reflects the current status of the account. 
Please confirm receipt of this payment and provide written verification that the account has been closed and reported as paid in full to all credit bureaus. 
Thank you for your prompt attention to this matter. If you need additional documentation, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
XXXX gave me a loan mod, took XXXX money but failed to lower rate or payments and failed to extend my loan, getting near the end of the loan was told to apply again for another loan mod, I did while waiting for over 4 months for a reply I made monthly payments which XXXX failed to process, after 4 months I found out my loan was sold to XXXX servicing none of the companies informed me of the sale, XXXX contacted me mid XX/XX/year> and told me I had to make payments to get a loan mod, they tripled my monthly payments, I made all the trial payments and was looking to get a home equity loan to get lower payments, XXXX found out and started reporting to the credit agencies that my payments were XXXX and 120 days late, I made every payment on time, they are reporting payments made to XXXX that they didn't process and failed to forward to XXXX and never sent back to me, with XXXX making this report hurt my chances for a home equity loan, I made all payments from XXXX to date, I passed to 4 XXXX XXXX period, they reported to the equity people my agreement didn't start till XXXX and my trial period didn't start till then, which hurt me again for the loan, they sent me paperwork to sign but it had XXXX different pay off amounts and I couldn't get answers from XXXX, trying to get a lawyer to look at it they want almost {$1000.00} to advise me, too much I didn't have it, then I find out XXXX sold my loan to another company sn servicing and again no one contacted me or told me about the sale, this new company only wants full payment will not listen to anything else, I can't get the money I need due to the wrong information being reported by 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
XXXX gave me a loan mod, took XXXX money but failed to lower rate or payments and failed to extend my loan, getting near the end of the loan was told to apply again for another loan mod, I did while waiting for over 4 months for a reply I made monthly payments which XXXX failed to process, after 4 months I found out my loan was sold to fay servicing none of the companies informed me of the sale, fay contacted me mid XX/XX/year> and told me I had to make payments to get a loan mod, they tripled my monthly payments, I made all the trial payments and was looking to get a home equity loan to get lower payments, fay found out and started reporting to the credit agencies that my payments were XXXX and 120 days late, I made every payment on time, they are reporting payments made to XXXX that they didn't process and failed to forward to fay and never sent back to me, with fay making this report hurt my chances for a home equity loan, I made all payments from XXXX to date, I passed to 4 XXXX XXXX period, they reported to the equity people my agreement didn't start till XXXX and my trial period didn't start till then, which hurt me again for the loan, they sent me paperwork to sign but it had XXXX different pay off amounts and I couldn't get answers from fay, trying to get a lawyer to look at it they want almost {$1000.00} to advise me, too much I didn't have it, then I find out fay sold my loan to another company sn servicing and again no one contacted me or told me about the sale, this new company only wants full payment will not listen to anything else, I can't get the money I need due to the wrong information being reported by fay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION AND ACCOUNTS. I HAVE SENT THEM LETTERS SEVERAL TIMES TO REMOVE THEM ATTACHED TO THE LETTERS ARE MY POLICE REPORT AND FTC REPORT BOTH FOR IDENTITY THEFT LISTING ALL THE FRAUD INFORMATION. CREDIT REPORTING AGENCIES SUCH AS EXPERIAN, TRANSUNION AND EQUIFAX STILL CONTINUE TO REPORT THE FRADU ACCOUNTS THAT ARE IDENTITY THEFT.FRAUD IDENTITY THEFT ACCOUNT XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/year>. INACCURATE REPORTING OF MY XXXX XXXX CARD. THIS ACCOUNT WAS A PAID OFF CREDIT CARD WHEN IT WAS LOST AND FRAUD CHARGES WERE MADE ON THEM THAT IS HOW THE LATE PAYMENT OCCURRED THAT NEED TO BE CORRECTED TO NO LATE PAYMENTS. INCORRECT PHONE NUMBER I AM NOT ASSOCIATED WITH ENDING IN XXXX. THE ABOVE INFORMATIONS THAT ARE INACCURATE, FRAUD AND IDENTITY THEFT ARE REPORTING ON ALL 3 CREDIT REPORTING AGENCIES..

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 2025-11-25 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION AND ACCOUNTS. I HAVE SENT THEM LETTERS SEVERAL TIMES TO REMOVE THEM ATTACHED TO THE LETTERS ARE MY POLICE REPORT AND FTC REPORT BOTH FOR IDENTITY THEFT LISTING ALL THE FRAUD INFORMATION. CREDIT REPORTING AGENCIES SUCH AS EXPERIAN, TRANSUNION AND EQUIFAX STILL CONTINUE TO REPORT THE FRADU ACCOUNTS THAT ARE IDENTITY THEFT.FRAUD IDENTITY THEFT ACCOUNT XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/year>. INACCURATE REPORTING OF MY XXXX XXXX CARD. THIS ACCOUNT WAS A PAID OFF CREDIT CARD WHEN IT WAS LOST AND FRAUD CHARGES WERE MADE ON THEM THAT IS HOW THE LATE PAYMENT OCCURRED THAT NEED TO BE CORRECTED TO NO LATE PAYMENTS. INCORRECT PHONE NUMBER I AM NOT ASSOCIATED WITH ENDING IN XXXX. THE ABOVE INFORMATIONS THAT ARE INACCURATE, FRAUD AND IDENTITY THEFT ARE REPORTING ON ALL 3 CREDIT REPORTING AGENCIES..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-25 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Equifax is reporting several accounts and inquiries that do not belong to me and can not be verified. They are showing charge-off accounts I have no knowledge of, including FIRST 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  My report also contains unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were never authorized by me and are appearing inaccurately on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OFG BANCORP

Complaint narrative:
I am filing this complaint because the credit bureaus and the furnishers XXXX and Oriental Bank are reporting information that is inaccurate, inconsistent, incomplete, and can not be verified, which constitutes violations of the Fair Credit Reporting Act ( FCRA ), including sections 602 ( A ), 607 ( b ), and 611. 

I have already mailed formal disputes, and despite this, the accounts continue to be reported with serious errors. 
I am requesting full deletion of these accounts because the information is not accurate, not consistent, and not verifiable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my TransUnion credit report. These accounts have been incorrectly reported as charged off. Please investigate and correct the inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 

CHRYSLERCAP Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-25 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: CL Holdings LLC
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : 1. COLLECTION ACCOUNT CONTAINS INCONSISTENT REPORTING ACROSS BUREAUS-MUST BE DELETED UNDER US 1681i . 
JEFFCAPSYS Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. CHARGE OF CAN NOT HAVE A BALANCE AND DATES OF LAST ACTIVITY DONT MATCH JEFFCAPSYS Account Number : XXXX DELETE FROM MY CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 



FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT XXXX NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY XXXX AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation