vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: WI

Complaint narrative:
I am filing a formal complaint regarding a collection account listed by Tek Collect on behalf of XXXX XXXX XXXX for a balance of {$1900.00}. I entered into a treatment plan with XXXX XXXX XXXX but discontinued it after experiencing significant jaw pain and being medically advised not to continue due to dental cavities that developed during use. The aligners were negatively affecting my health, and I was told by a dental professional that continuing treatment could worsen my condition. 

I attempted to contact XXXX XXXX XXXX multiple times to formally cancel my treatment and explain my medical issues, but I received no response. Despite my efforts, XXXX XXXX XXXX sent the account to collections without acknowledging my communications or the medical circumstances behind the discontinuation. 

The debt was reported to Tek Collect, and I have disputed this collection account several times with the credit bureaus and the collection agency. Each dispute has been ignored or rejected without any meaningful investigation or resolution. This has caused significant damage to my credit profile for a service that I did not complete, did not benefit from, and that I was medically advised to stop using. 

Furthermore, XXXX XXXX XXXX has filed for bankruptcy and is currently facing numerous legal challenges for issues related to the safety and efficacy of their servicesissues that directly align with my experience. They have since ceased operations, and it is my understanding that active accounts should not continue to be pursued in this manner. 

I am requesting that this collection account be removed from my credit reports and that Tek Collect cease all collection efforts for a service I did not receive in full and was medically unable to complete. This debt is invalid, and continued attempts to collect or report it constitute unfair and abusive practices. 

Please assist me in resolving this matter and ensuring that my rights as a consumer are protected.

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Carvana Group, LLC
State: OH

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX ( VIN : XXXX ) through XXXX for a purchase made on Carvana. The vehicle was advertised as covered under warranty and Carvana Certified. However, I later discovered the vehicle had a XXXX flag due to prior tuning, which voided the manufacturer warranty a fact that was never disclosed at the point of sale or loan origination. 

After the purchase, the vehicle suffered from major performance issues, including : Severe turbocharger failure Metal contamination in the oil Persistent engine misfire A failed recall-related oil strainer XXXX confirmed that while the oil strainer was replaced, the turbos were not, even though they were damaged by the faulty part. The warranty provider ( XXXX ) refused to cover the full turbo replacement or related engine damage, citing the XXXX flag. 

This vehicle should never have been sold or financed as a warrantied vehicle. Carvanas actions resulted in a loan being made on false representations of coverage, condition, and value, and XXXX XXXX was unknowingly exposed to financing a defective and ineligible vehicle. 

I request that the CFPB investigate this pattern of : Loans being issued on fraudulently misrepresented vehicles Consumers being denied valid repairs despite financing and extended warranty purchases Warranty fraud based on undisclosed vehicle status ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I cant was open due to data breach or personal information being compromised as a result accounts was open unknown to my knowledge which resulted in collection accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Parnell Law Group, LLC
State: GA

Complaint narrative:
Debt collection XXXX law group in XXXX, al had lien sent to me for XXXX XXXX I never received it the first time due to me moving but when i received it. we came up with a settlement of {$14000.00} which I paid on XX/XX/year>. It was to be reported within 30-45 days. I spoke to XXXX last week and they still have me owing this debt. Its over 10 months now and I can't get any one from Parnell Law group on the phone to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
b'I sent a certified letter to Equifax on date XXXX. The letter was sent via USPS with a tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  The letter is requesting them to promptly delete serval accounts that are being reported with errors.  They failed to respond the initial letter. The accounts listed are: 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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I had a credit card account with XXXX XXXX. While I was still making small payments, the account was charged off and sent to collections without any written notice or communication. 
I was not notified by XXXX XXXX that the account had been closed, charged off, or assigned to a third-party collection agency. 
During this time, I attempted multiple times to update my contact information through XXXX XXXX online system and customer service. The system would not allow changes, and even their IT department was unable to correct the issue. Because of this, I was unable to receive account alerts or updates. 

The account also contained newly incorrect personal information, which I brought to XXXX XXXX attention, but they couldn't remove it. It was fraudulently put under my contact information. I did not give anyone or XXXX XXXX authorization to do so. 

The account was eventually placed with Radius Global Solutions for collection. I have never received a debt validation notice or any formal written communication from Radius Global. To this day, I do not have a clear breakdown of the balance or confirmation of what is owed. 

I am requesting an investigation into the handling of this account, correction or removal of inaccurate information from my credit report, and written validation of the debt.

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 2025-07-15 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for incorrectly reporting account statuses and adding erroneous remarks to my credit report. Specifically : 1. Closed Charged-Off Account : Equifax changed the status of a closed charged-off account from closed to open without my consent or any new activity on the account. This change has negatively impacted my credit report and score. 
2. Incorrect Remarks Added to XXXX Account : Equifax added remarks to an auto-finance account that was not included in my original dispute. These remarks are not accurate, and the account is in good standing. 
Both of these actions are in violation of the Fair Credit Reporting Act ( FCRA ), as Equifax is required to report accurate and complete information. These changes to my credit report were made without proper verification and contradict previous dispute findings. 

I have already attempted to resolve this issue directly with Equifax, but they have failed to correct these discrepancies. I request that the CFPB intervene to ensure that Equifax : Correctly updates the status of the charged-off account to closed and removes any incorrect remarks from the auto-finance account. 
Ensures all information on my credit report is accurate, in compliance with 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
This debt settlement group is impersonating Capital One. They are listed on XXXX and have inquiries redirected to pay off debt. They were asking for my social etc.. I XXXX and it appears they are a fraud, scammer center stealing people 's ID. They stated on the phone, they are part of Capital One and they would intentionally damage my credit if I did not pay. They had my SSN. 

They also sent an email which I have. I sent an email to the address listed on XXXX for Capital one, it went to this place, so they are using Capital one Identity to defraud people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-15 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX charged off my account in XXXX. However, they continue to report the account every month as if it is still late or past due, most recently reporting a {$550.00} past due balance in XX/XX/year>. 

This violates the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) and the Metro 2 Compliance Guidelines, which prohibit furnishers from updating accounts with ongoing derogatory marks after charge-off.

Their actions create a false appearance that Im missing payments on a closed, charged-off account, which is misleading, inaccurate, and causes continued damage to my credit score. This is also known as re-aging, which is a prohibited reporting practice.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX charged off my account in XXXX. However, they continue to report the account every month as if it is still late or past due, most recently reporting a {$550.00} past due balance in XX/XX/year>. 

This violates the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) and the Metro 2 Compliance Guidelines, which prohibit furnishers from updating accounts with ongoing derogatory marks after charge-off.

Their actions create a false appearance that Im missing payments on a closed, charged-off account, which is misleading, inaccurate, and causes continued damage to my credit score. This is also known as re-aging, which is a prohibited reporting practice.

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 2025-07-15 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Final Notice Before Litigation Attached is the state notifications for the XXXX filing and establishment of the trust, I am reporting this on the CFPB because this account was assigned to the trust in 2023. Your company was notified by certified mailings and received a negotiable instrument to close the debt and has refused to acknowledge the commercial code. 

This is your final notice.

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