vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: FL

Complaint narrative:
I am disputing improper debt collection actions by Schwartz Vays on behalf of XXXX XXXX HOA. I selected the HOAs two-payment option for XXXX dues : {$450.00} due by XX/XX/XXXX and {$450.00} by XX/XX/XXXX. I paid the first {$450.00} on XX/XX/XXXX early and on time. I missed the XX/XX/XXXX payment but paid the remaining {$450.00} on XX/XX/XXXX, immediately after receiving notice of the issue. 

Between XX/XX/XXXX and XX/XX/XXXX, neither XXXX XXXX HOA nor Schwartz Vays contacted me by email, phone, or mail. On XX/XX/XXXX, I received a collection notice from Schwartz Vays claiming I owed {$860.00}, including collection costs and interest. I then paid the remaining {$450.00}. Despite this, they issued a new collection notice on XX/XX/XXXX for {$870.00}, and again on XX/XX/XXXX, claiming I still owed {$520.00}. 

On XX/XX/XXXX, I submitted a formal dispute through Schwartz Vays ' online portal, providing proof of both payments and a clear timeline. I requested correction within XXXX business days. Their response on XX/XX/XXXX stated that my dispute could take 30 days or longer to resolve. However, they continued to uphold all charges and have not acknowledged the HOAs published two-payment option. They have not paused collection or updated my account balance appropriately. 

I am requesting that the CFPB assist in ensuring the collector : Acknowledges my full and timely payments Removes the improper collection, admin, and interest fees Suspends any further collection activity until the dispute is fully resolved I have retained all correspondence and proof of payment.

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 2025-09-26 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 previously disputed with XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/year>, approximately XXXX for a length of 25 minutes, I contacted Experian by phone to correct inaccurate information on my credit file. My intent was to update my profile so that it matched my government-issued ID, in compliance with the Fair Credit Reporting Act ( FCRA ). 

I spoke with a representative named XXXX, who : Accused me of trying to avoid a {$150.00} XXXX XXXX collection, even though I clearly stated I was not disputing a debt but only correcting inaccurate information. 

Cut me off repeatedly and refused to let me complete my explanation. 

Stated she did not want to hear any laws or codes from me, dismissing my right to reference the FCRA. 

Insisted on keeping inaccurate information on my file solely because she claimed it came from XXXX XXXX XXXXXXXX, treating that source as unquestionable despite the possibility of human error. 

This behavior left me feeling belittled and embarrassed. More importantly, it shows Experians failure to follow the FCRA, which requires agencies to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to reinvestigate disputed information ( 15 U.S.C. 1681i ( a ) ). The call was recorded, and I request that Experian review the recording, which will confirm I was calm and professional throughout.

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 2025-09-26 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
After reviewing my Transunion credit report I see information and accounts that does not belong to me. I was also informed my information was leaked in XXXX  data breach which leaked millions of peoples information which is why I have fraud activity on my credit profile.

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 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to address an issue regarding an account that was sent to a debt collection agency. This debt stems from a rental lease that, according to the collection agency, was unpaid after I moved out early. The lease was ended XX/XX/XXXX. Noticed was given XX/XX/XXXX. Original lease end date was XX/XX/XXXX. As stated in documents provided. 

However, I want to clarify that I provided proper notice and submitted my military orders to the leasing company. Under the Servicemembers Civil Relief Act ( SCRA ), service members are entitled to certain protections, including the ability to terminate leases without penalty if they receive military orders for a change of station or XXXX. 

Despite following the proper protocol, the leasing company still charged me for the remaining lease period. This action not only violates the protections granted by the SCRA but also places an unfair financial burden on me.

I am requesting that this debt be removed from my credit report and that the leasing company be held accountable for not adhering to the SCRA guidelines. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
I am submitting this formal complaint regarding multiple inaccuracies and unfair reporting practices appearing on my credit reports. These inaccurate items are causing serious harm to my credit profile and financial well-being. I respectfully request the CFPB to investigate these violations and hold the furnishers and credit reporting agencies accountable. 

1. Wrong Address Reporting XXXX XXXX XXXX, XXXX, CA XXXX This address is incorrectly associated with me. I have never lived at, nor have any connection to, this address. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as it misrepresents my identifying information. 

2. Inaccurate and Harmful Account Reporting Several accounts are being reported inaccurately with wrong statuses, balances, or are entirely unverifiable. Details include : XXXX XXXX XXXX High Balance {$1000.00}, Open Date XX/XX/XXXX Late Payment reporting not accurate. 

XXXX BANK XXXX XXXX High Balance {$770.00}, Open Date XX/XX/XXXX Listed as Charge Off, which is not accurate or verifiable. 

XXXX BANK XXXX XXXX High Balance {$790.00}, Open Date XX/XX/XXXX Charge Off reporting disputed as inaccurate. 

XXXX XXXX XXXX High Balance {$1400.00}, Open Date XX/XX/XXXX Reported as Charge Off without proper validation. 

XXXX XXXX XXXX XXXX High Balance {$6900.00}, Open Date XX/XX/XXXX Late Payment reporting inaccurate. 

XXXXXXXX XXXX XXXX XXXXXXXX High Balance {$7000.00}, Open Date XX/XX/XXXX Reported as Charge Off without sufficient documentation. 

XXXX XXXX Two separate entries ( Balances {$1300.00} and {$1200.00}, Date Opened XX/XX/XXXX ) Duplicate reporting of the same account, which is misleading and damaging. 

XXXX XXXX Balance {$1000.00}, Date Opened XX/XX/XXXX Reported as Collection, accuracy disputed. 

These accounts are being reported in violation of the FCRA and Fair Debt Collection Practices Act ( FDCPA ), as they contain duplicate entries, unverifiable balances, and misleading statuses. 

3. Unverified Hard Inquiries My credit report also lists multiple inquiries that I did not authorize : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not approved by me, and they are negatively impacting my credit score. Under the FCRA, unverified inquiries must be removed immediately. 

Requested Action I request that the CFPB : Investigate these errors with the credit reporting agencies and furnishers. 

Require removal of all inaccurate, duplicate, unverifiable, or unauthorized items listed above. 

Ensure furnishers provide proper validation of all accounts before reporting them. 

Hold the responsible parties accountable for violating the FCRA and FDCPA.

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 2025-09-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Regarding Inaccurate Credit Reporting Charged-Off Account Reporting Ongoing Late Payments To Whom It May Concern, I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) against [ Creditor Name ] and XXXX for inaccurate and misleading credit reporting.

Background The creditor charged off my account on [ insert charge-off date if known ].

Despite this charge-off, XXXX continues to report monthly late payments as if the account were still active. 
This creates the false impression that I am currently delinquent on a live account when, in fact, the account has been closed and charged off. 

Legal Basis This practice violates the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishers may not report information they know or should know is inaccurate.

15 U.S.C. 1681c ( a ) : Credit reporting agencies may not re-age negative information beyond the Date of First Delinquency ( DOFD ).

Once charged off, the account should reflect a charged-off/closed status only, not ongoing delinquencies.

Requested Relief I request that the CFPB require XXXX and the furnisher to : 1. Stop reporting ongoing late payments after the charge-off date.

2. Correct the account status to show a single charge-off with the accurate DOFD.

3. Confirm the correction in writing and ensure all credit reporting agencies update their records. 

Supporting Evidence Attached are : A screenshot of my XXXX credit report showing ongoing monthly late payments ( post charge-off ). 
My prior dispute letter sent to XXXX 

This inaccurate reporting has harmed my credit profile by misrepresenting the status of this account. I ask the CFPB to investigate and ensure compliance with the FCRA. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/year> SSN ( last 4 ) : XXXX Phone : XXXX Email : 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 2025-09-26 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:
The disputed accounts should be removed within XXXX  days to comply with 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-26 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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