vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: VA

Complaint narrative:
This is a follow-up complaint to CFPB XXXX # XXXX. Tek Collect Claimed they validated the debt, but the documents provided DID NOT show proof of delivery - only an outdated address and the original contract. 

The root of the issue remains unresolved : XXXX XXXX XXXX breached their contract, failed to deliver XXXX and shut down operations without refunding or completing service. I contacted XXXX XXXX XXXX  in early XXXX to dispute the charges. I expressed that I never received my XXXX and thereafter instructed my bank to BLOCK further payments. Despite this, XXXX forwarded the account to TekCollect. 

If you look in my email, XXXX verified that services were never provided and then requested to continue paying at which I disputed the payments immediately with my bank. 

TekCollect reported the collection to credit bureaus without ever contacting me first. I received no notification ( their data was outdated ) - only a notice from my credit monitoring service. This is a violation of FDCPA Section 809 ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
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 Date XXXX XXXX XXXX Date : XX/XX/ 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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Bought a used XXXXXXXX XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Post bankruptcy and interest rate set at 19.84 % and did not know any better at the time if this was legal on or no. 

XXXX XXXX ( approx ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
PLEASE SEE MY ATTACHMENT WHICH EXPLAINS ALL but basically it involves a debt that was discharged in a XX/XX/XXXX bankruptcy. This debt was sold and re-assigned several times and they were not able to produce a lawful chain of assignments. In or about XXXX they commenced a federal action to foreclose against me. The judge in my federal court matter stated upon the record that he was suspicious of their claim and questioned their right to sue based on the statute of limitations. They were not able to produce a full payment history and falsely stated that the last payment was made in XXXX which is untrue. They discontinued the action on their own motion and commenced another action in NYS Supreme Court threatening to foreclose on my property. This entity previously held a junior lien and I have a superior lien current and being paid. This loan was discharged and they are coming for a money judgment. It is also past the statute of limitations which I raised once I became aware of this assignee 's claim. It appears that the loan was de-accelerated because it is obvious they went back 6 years in the payment statement.

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 2025-08-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-21 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: IL

Complaint narrative:
XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$550.00} Past due {$550.00} XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$560.00} Past due {$560.00} XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$300.00} Past due {$300.00} XXXX XXXX XXXX Late payment details Account details Balance {$0.00} Past due Date closed XX/XX/XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account type Installment Account number XXXX XXXX Account status Pays As Agreed First delinquency date Times 30 60 90 days late 1/0/0 XXXX XXXX XXXX Collection details Account details Balance {$550.00} Past due {$550.00} Date closed Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account type Other Account number XXXX XXXX Account status Collection First delinquency date XX/XX/XXXX Times 30 60 90 days late 0/0/0 XXXX Charge off details Account details Balance {$0.00} Past due Date closed XXXX XXXX, XXXX Date opened XX/XX/XXXX Account name XXXX Account type Revolving Account number XXXX XXXX Account XXXX Charge Off First delinquency date XX/XX/XXXX Times XXXX XXXX 90 days late XXXX XXXX Bank Charge off details Account details Balance {$770.00} XXXX XXXX {$770.00} Date closed Date opened XX/XX/XXXX Account name XXXXXXXX XXXX XXXX XXXX details Account details Name XXXX Date XXXX XXXX XX/XX/XXXX XXXX UNSECURED Balance {$0.00} Original Balance {$1000.00} XXXX XXXX Installment Balance {$0.00XXXX XXXX XXXX XXXX Other Collection Agencies Balance {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$550.00} Past due {$550.00} XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$560.00} Past due {$560.00} XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$300.00} Past due {$300.00} XXXX XXXX XXXX Late payment details Account details Balance {$0.00} Past due Date closed XX/XX/XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account type Installment Account number XXXX XXXX Account status Pays As Agreed First delinquency date Times 30 60 90 days late 1/0/0 XXXX XXXX XXXX Collection details Account details Balance {$550.00} Past due {$550.00} Date closed Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account type Other Account number XXXX XXXX Account status Collection First delinquency date XX/XX/XXXX Times 30 60 90 days late 0/0/0 XXXX Charge off details Account details Balance {$0.00} Past due Date closed XXXX XXXX, XXXX Date opened XX/XX/XXXX Account name XXXX Account type Revolving Account number XXXX XXXX Account XXXX Charge Off First delinquency date XX/XX/XXXX Times XXXX XXXX 90 days late XXXX XXXX Bank Charge off details Account details Balance {$770.00} XXXX XXXX {$770.00} Date closed Date opened XX/XX/XXXX Account name XXXXXXXX XXXX XXXX XXXX details Account details Name XXXX Date XXXX XXXX XX/XX/XXXX XXXX UNSECURED Balance {$0.00} Original Balance {$1000.00} XXXX XXXX Installment Balance {$0.00XXXX XXXX XXXX XXXX Other Collection Agencies Balance {$830.00}

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for me and my mom XXXX XXXX we need our XXXX account email XXXX to be unblocked and undeactived and unrestricted and and fully reactivated so we can use it at a another bank and also we need our {$100.00} to be added to our checking account or saving checking for the new welcome new members promotion we meet the requirements for it and never got it added to our account and also need our all our Interest YTD we earned to be added to our accounts for saving and checking accounts before it is closed out Checking Account : XXXX and - Savings Account : information is XXXX etc.

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 2025-08-21 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: TX

Complaint narrative:
Upon reviewing my credit files, I have noticed that XXXX is reporting inconsistent and inaccurate information across the three major credit reporting agencies. Specifically : XXXX  and XXXX  : Showing a late payment reported for XX/XX/XXXX. 

Equifax : Showing a late payment reported for XX/XX/XXXX, but not XX/XX/XXXX. 

This inconsistency is highly damaging to my creditworthiness and could negatively impact my ability to obtain credit from lenders.

Per 15 U.S. Code 1681e ( b ), 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. 

The current reporting by XXXX does not reflect maximum possible accuracy, as the information provided to the credit bureaus is inconsistent and misleading. 

I am requesting that you immediately investigate this matter and correct the discrepancies to ensure that all three credit bureaus reflect the same, accurate information. Please provide written confirmation once this correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I reviewed my credit reports and discovered several accounts that are being reported inaccurately and without proper verification. A loan from XXXX XXXX XXXX XXXX continues to show as a charge-off with a balance of over {$4500.00} but no Date of First Delinquency or itemized accounting to justify the amount. Multiple collection agencies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are reporting balances ranging from {$99.00} to over {$2200.00}, but none have provided proof of ownership, a complete chain of title, or detailed ledgers showing how the balances were calculated. Some accounts even conflict across bureaus, such as XXXX XXXX, which shows two different balances depending on the report. Insurance-related collections from XXXX XXXX XXXX and XXXX are also being reported without any policy documents, claim details, or billing records. In addition, several hard inquiries appear from XXXX and XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I did not authorize and which have not been validated for permissible purpose. Finally, outdated addresses from Texas and Florida remain on my file, increasing the risk of mixed or merged credit information. These errors remain unresolved despite being highly damaging to my credit.

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 2025-08-21 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:
Kindly remove these unauthorized accounts from my credit report, as I did not authorize their creation and was unaware of their existence. In accordance with USC 1681g, I am requesting their deletion within 15 days. Supporting documents are enclosed.

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 2025-08-21 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
on XX/XX/XXXX I was alerted by my bank that there were potential fraudulent charges on my account. After calling the bank it was confirmed that {$6000.00} was charged to my account using a debit card that was being shipped by USPS, the card was not in my possession as it was never received. A fraud claim was placed with the bank and is currently under investigation. A complaint was also placed with USPS explaining stolen documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
I have filed this report against company for over 3 years now it still reporting on credit and it been over 7 year as well it legally suppose to remove even though I have no ownership of this account I never opened never had the vehicle it had suppose to been remove 3 years ago it still reporting on my credit I think about filing a law suit cause it should had been removed it damning my credit for over 7 years I can't do anything cause this I want compensation now for my loss of time and trying to get this removed I asking for XXXX I'm taking it to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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 2025-08-21 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation