vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: NJ

Complaint narrative:
Date : XX/XX/year> TEK Collect, Inc. 
XXXX XXXX XXXX XXXX, OH XXXX Re : Alleged Debt Amount : {$1500.00} To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. The exact amount of the alleged debt, including a full itemized breakdown of principal, interest, fees, and any other charges.

2. The name and address of the original creditor and the original account number.

3. Documentation demonstrates that the alleged debtor is legally obligated to pay this debt, including any signed agreement or contract.

4. Documentation showing that TEK Collect , Inc. has the legal authority to collect this debt, including proof of assignment or purchase of the account.

5. The date of the alleged debt and the date of the last payment.

6. A copy of any judgment, if applicable. 
Until this information is provided, please cease all collection activity related to this account. Additionally, if this account has been reported to any credit reporting agencies, it must be marked as disputed in accordance with federal law. 
This request is not an acknowledgment of any debt, nor is it a refusal to pay, but a request for validation only. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Volvo Car Financial Services U.S., LLC
State: OH

Complaint narrative:
I requested information regarding hardship assistance, payment forbearance options, escalation or supervisor review, and clarification on credit reporting related to my late payment caused by a documented Lemon Law case. The monthly payment is XXXX XXXX the action taken by Volvo is destroying my credit score from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Spring Oaks is reporting a collection account on my credit report with an inaccurate and misleading 120 days late payment status, which is not legally permissible for a collection account and is a clear violation of FCRA 1681e ( b ) and 1681s-2 as well as Metro 2 reporting standards. A collection account can not accrue installment-style delinquency codes, and reporting it in this manner materially misrepresents the nature and severity of the account. Additionally, Spring Oaks has furnished inconsistent data by allowing this account to be removed or corrected on other credit bureaus while continuing to report it inaccurately on XXXX only, demonstrating a failure to maintain reasonable procedures to ensure maximum possible accuracy. I also never received any initial written notice, validation notice, or dunning letter from Spring Oaks prior to this account appearing on my credit report, in violation of the FDCPA ( 15 U.S.C. 1692g and 1692e ). Despite submitting a dispute and requesting validation and correction, Spring Oaks has continued to report this account without providing competent evidence of accuracy or proof of lawful notice. This continued reporting constitutes negligent and/or willful noncompliance with federal law. If this account is not promptly corrected or deleted, I will pursue all available legal remedies, including further regulatory complaints and civil action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am a XXXX XXXX  for Virginia and a XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that has experienced identity theft, my personal information was stolen during the XXXX XXXX breach and my SSN was used as a personal gain for a scammer. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. I will be seeking legal advice, if this issue is not handled legally. Again, I have never given consent for this information or inquiries and it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2000.00} Opened XX/XX/XXXX Illegal Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not received any response its been over two months since my first letter, then i sent a second letter both certified and there where still no response. According to 15 US Code 1682e ( b ) - Compliance Procedures, the credit agency suppose do their job and make sure the information they are reporting is maximum accurate. According to 15 US Code 1611-Criminal Liability for Willful and Knowing Violations i will be seeking civil as they are knowing reporting inaccurate and unverified information on my credit report.

Below will be the will attached evidence of docs i have sent previously

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of certain late payment information appearing on my Equifax credit report. This letter serves as a formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I am not disputing the accounts themselves, but rather the late payment notations being inaccurately reported. The following accounts contain errors regarding reported delinquencies : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Dispute Reason : Late payments inaccurately reported. I have verified with the original creditor that the alleged late payments were either made within the grace period or not properly processed. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Dispute Reason : The reported delinquencies are incorrect and not reflective of my payment history. This misreporting constitutes an error under FCRA 1681i, which requires the CRA to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT XXXX XXXX XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo - Account fraudulently opened. I requested account to be closed. Only told they would put in a request and I would have to wait for a letter. I would like to know when this account was opened and any identifying information about who opened this account. In addition to this request, I need everything cancelled.

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 2025-12-16 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I contacted Experian to get a copy of my free credit report and the AI asked me if I would like a copy of my free credit report and I responded to the affirmative. It immediately responded that my free credit report was being mailed without asking me to confirm my address, so I have no idea where it is being sent. Afterwards, I was billed for the " free credit report '' from Experian. I never provided them with my payment details or authorized them to bill me, as the service I requested was free. I have tried to contact Experian multiple times, but the XXXX  on their phone number will not allow me to speak with an agent. The app or website says they are " experiencing technical difficulties '' whenever I try to log in, and there is no way to get this issue settled with the company. Apparently this is a common issue, as a quick XXXX search revealed many people with the same complaint. This is fraudulent business dealings and I want them to stop attempting to bill me for free services.

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 2025-12-16 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: FL

Complaint narrative:
Dear Sir/Madam, I am a consumer working diligently to fix my credit. I am writing to dispute the following accounts, which I believe are inaccurately reported. Below, I have separated the disputes by credit bureau : Charged Off XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$2700.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Payment ) Inquiries XXXX XXXXXX/XX/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 2025-12-16 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 a consumer working diligently to fix my credit. I am writing to dispute the following accounts, which I believe are inaccurately reported. Below, I have separated the disputes by credit bureau : Charged Off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025, Balance : {$2700.00} Late Payments XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Late 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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I purchased a refrigerator from XXXX XXXX on my XXXX XXXX Citi card roughly 2 years ago. It was a part of deferred interest promotion. I mailed a check for the balance- {$3900.00} in XX/XX/XXXX. Citi has no record of receiving payment. I did not notice that there was no payment recorded until XX/XX/XXXX, when I also noticed that my account balance was {$1900.00} higher. 

They offer a 60- day grace period, which I missed by 2 days. 

I spoke to multiple people at Citi ; however, they refuse to refund the {$1900.00} in deferred interest. 

They told me that I took it as far as I could with the " escalation '' team and suggested I write to " Office of the President ''.

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 2025-12-16 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 writing to dispute the following accounts currently reflected on my credit report. I believe that these accounts are inaccurately reported as " charged off '' and are impacting my credit score. Below, I have provided the details for each account under the respective credit bureaus : XXXX XXXX XXXX XXXX Equifax ( EQ ), and XXXX XXXX XXXX XXXX Kindly review these accounts, as they are listed inaccurately and should be rectified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have contacted the company and disputed this collection numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

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

Company response to consumer: Closed with non-monetary relief