vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I started a retainer treatment with XXXX, soon afterwards they went bankrupt and could no longer continue my treatment. Because they could no longer contain my treatment I had to go to another orthodontist to fix the damage they had done to treat me for the same issue. I stopped doing my payments once XXXX sent an email stating that they were going bankrupt and could no longer continue my treatment. Soon after that I got emails and calls from tek collect, where they refused to delete my account and threatened to impact my credit score if I were to not pay them. I have plenty of emails showing me talking to them, and in XXXX of them they admit that XXXX did not fulfill their satisfaction guarantee policy, but they stated that they could not follow through with that contract because it was XXXX that signed the contract with me, not tek collect. XXXX sold my health information which violates HIPAA, to tek collect and they even state that they sold it in XXXX of the emails. Again, they refused to delete my account despite many emails and many phone calls requesting them to do so. Never in my treatment did I provide my Social Security number to XXXX XXXX or Tek collect. Recently I checked my XXXX XXXX  account and it showed that there was a collection hit from tech collect regarding the balance from XXXX. I stated to them numerous times that Im not responsible for the debt that XXXX owes tek collect. I have seen many posts and complaints regarding smile direct and tek collect harassing people to pay an amount that they are not required to pay because their treatment was never completed and the contract was broken by XXXX  due to their bankruptcy and cease of treatment for all its customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
My info has been stolen and used for many things and now I have over 12 inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: U.S. BANCORP
State: GA

Complaint narrative:
My info has been stolen and used for many things and now I have over XXXX inquiries on my credit report

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: MA

Complaint narrative:
This is the 2nd half of an existing dispute. This was for the amount if {$850.00} ALSO not handled properly!!

I sent a billing dispute to Citibank regarding 2 charges ( both on XX/XX/year>XXXX ) for the same company, XXXX XXXX ( payment was made in 2 payments to them, one in XX/XX/year>XXXX  and one in XX/XX/year> XXXX - {$1200.00} & XXXX - {$850.00} ), for goods and services not as expected. Along with this, I sent over 60 pages of evidence to back up my dispute claim, which included text messages back and forth between myself and XXXX XXXX XXXX, receipts, photos, and I tried to send a video, but they don't accept those. I called the next day and confirmed that all evidence was received and was told it was and that I would hear from someone within 90 days, that it usually takes a while to go through everything. I said that was fine. Yesterday, XX/XX/XXXX ( Not even THIRTY days after I submitted my dispute ), my dispute gets resolved IN THE FAVOR OF THE MERCHANT. On the dispute resolution notice it said " The documentation or facts provided do not support the billing error dispute claim '' 1 ) They never contacted the merchant ( There usually is something that says we are contacting the merchant and will get back to you - there wasn't ) and 2 ) this resolution came BEFORE 30 days, so how could they have gone over everything, discussed it with the merchant and then got back to me? It is my feeling that they did NOT look at any evidence and just decided they wanted to keep the money with citibank. They reversed my conditional credit and will now be collecting further interest on this, as when they reversed it the accrual of interest stopped. I filed an appeal with them and have heard NOTHING. I want this resolved fairly and do not feel this has been done

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 2025-08-11 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 no connection to these accounts, which I believe are fraudulent. Please review, remove, and investigate. Documentation is attached.

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 2025-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Reliant Capital Solutions, LLC
State: NV

Complaint narrative:
Reselling and renewing expired and previously discharged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and credit score, preventing me from achieving financial freedom and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I left XXXX back in XXXX to go to XXXX. XXXX XXXX says there was still money I owed them and they sent it to a collection agency. I had no idea about this. I thought I was paid up with them. I was not notified by anyone that I still owed them any money. I didn't know about it until it showed up on my Credit Report last week and it made my credit drop more than XXXX points, ruining my chances of moving to another apartment. Really hurt my XXXX XXXX big time. If someone, either XXXX  or the credit agency had notified me about this, I would have paid it immediately. But nobody did. No phone calls. No letters. Nothing. What can I do about this? Im most upset that this hurt my credit score a lot!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I noted an escrow charge in my Home Equity loan account for XXXX billing from Pentagon Federal credit Union. I called Pentagon Federal regarding the extra charge and they explained on the phone that the charge was for property taxes. I responded that my primary mortgage company XXXX XXXX XXXX is responsible for my taxes and insurance and that chase is current with my taxes and insurance. The Pentagon Federal Representative on the phon e asked me to email evidence of payment from XXXX XXXX XXXX to XXXX. I sent the requested information on XX/XX/year>. 

To my utter dismay, Penfed has not done anything on the case as of XX/XX/XXXX. I also send a second notice on XX/XX/year>. Penfed continued to chage me escrow in XXXX and XXXX despite my 2 emails on XX/XX/year> and XX/XX/year> providing evidence that XXXX XXXX XXXX is current on my taxes. 

Penfed insisted that I have to pay the escrow, but I told them that I did not approve Penfed to pay my escrow because my primary mortgage holder is in charge of that. 

I am ready and willing to pay all my principal and interest arrears, but Penfed would not let me pay for just the principal and interest. This has been going on since XXXX, XXXX. 

Penfed is now claiming that I am 90-day delinqent, but Penfed caused this delay and does not care to resolve thier mistake since XXXXXXXX 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 monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize or have any affiliation with these accounts. I believe they are the result of identity fraud and request both their deletion and a formal investigation. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received service XX/XX/year>XXXX  on my car for a XXXX XXXX  by XXXXXXXX XXXX XXXX that costed me {$700.00} and faulted later that day. I called my bank Chase to see if I could dispute the transaction. The representative at the time told me they could not dispute the transaction and I had to work it out with the merchant. After speaking with the representative I took my car back to the merchant to fix. The repair faulted again. I called chase back. The representative this time told me they still could not do anything as long as the merchant was willing to fix the car. Also stated, the only way they could process a claim is if the merchant refused to fix my car. I took my car back to the merchant a third time to which the merchant didnt know what the issue could be and could not fix my car. I called chase again today, XXXX XXXX, stating that the merchant this time is refusing to fix my car. The representative this time blatantly told me she could not help and due to seeing I already called multiple times she could not process a claim. Then, very rudely, proceeded to hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: VA

Complaint narrative:
Its a third party trying to collect a debt from the XXXX  XXXX XXXX. 
The third partys name is XXXX. They have texted me 3 times to collect the debt that not theirs and thats illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/year>, I applied for a credit card in person at a Chase branch located at XXXX XXXX XXXX, XXXX, CA XXXX. I specifically requested a credit card that offered a welcome bonus of 12 months of 0 % APR on purchases and balance transfers, as advertised. I made it very clear to the bank representative, XXXX XXXX, that this specific offer was my primary reason for applying. 

XXXX XXXX appeared rushed during the application process and did not show me the exact details of the card I was applying for. I trusted that she was applying for the card I requested. 

On XX/XX/year>, I received the credit card and realized it did not have the 12-month 0 % APR offer. 

I immediately contacted the bank to resolve the issue. I spoke with XXXX XXXX XXXX, who referred me to the manager, XXXX XXXX XXXX. The solution they offered was for me to deny the card I received and reapply. This solution is unacceptable, as it would leave a credit inquiry on my report that was not my fault, and a new application would result in a second inquiry. It is unfair that I should bear the consequences of an error made by the bank 's representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-11 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 I was alerted through email that I had XXXX negative accounts on my credit report with Experian. XXXX Checked other XXXX credit reporting agencies- there was not any negative accounts reporting. XXXX called XXXX XXXX customer service- gave personal information and they could not located an account with my credentials. XXXX Checked studentaid.gov- could not located any accounts that were open or reporting negative balances. XXXX opened a dispute with experian- disputed the XXXX negative accounts, as they do not exist under my credentials. Error in reporting. XXXX disputed was answered with the accounts will remain on my credit report. Not enough information to change. XXXX called XXXX and got aidvantage to send documentation that all accounts are paid in full and closed. Printed documentation from XXXX that stated all accounts were paid in full and closed. XXXX called Experian to talk with a dispute specialist-Dispute XXXX stated that I need to dispute the account when I received all the above paperwork from XXXX and aidvantage XXXX XXXX Opened XXXX dispute with Experian and submitted XXXX documents stating that there was no accounts with my credentials that are open or negative- all accounts with my credentials have been paid in full and are closed. XXXX Experian sent an email stating that they have received my documentation that I submitted on the website. XX/XX/year> Experian sent an email stating that the dispute was under review. XXXX Disputed were completed with the status that the accounts will remain on my credit report. To contact the funisher. XXXX contacted XXXX XXXX and again no record of an account open or negative with my credentials. XXXX Called Dispute XXXX with Experian- Opened another dispute with the XXXX on the phone stating these are not my accounts. XXXX start a formal complaint. 
XXXX got results from dispute. Experian deleted one of the accounts, but kept the other negative XXXX XXXX account. Again contacted the XXXX financial and there is no record of an account in my name. 
XX/XX/year> started another dispute with Experian for the XXXX XXXX account showing negative. Again not other credit reporting agency has this account listed/reported.

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 2025-08-11 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: MO

Complaint narrative:
FINAL CFPB COMPLAINT & LEGAL DEMAND MULTIPLE WILLFUL VIOLATIONS OF FCRA 605B BY EXPERIAN Since XX/XX/XXXX, I have submitted XXXX complete and valid identity theft blocking requests under FCRA 605B to Experian, each including : ( 1 ) FTC Identity Theft Report, ( 2 ) government-issued ID, ( 3 ) proof of current address, and ( 4 ) a credit report clearly identifying fraudulent items. In each round, Experian partially deleted fraudulent information confirming that my documentation was valid, that the disputed items resulted from identity theft, and that Experian had the technical ability to remove all such information. 

Despite these acknowledgments, Experian willfully refused to block the fraudulent XXXX XXXX  account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) and multiple unauthorized hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), instead repeatedly applying 611 reinvestigation procedures by contacting furnishers for verification a process explicitly prohibited under 605B once a valid Identity Theft Report has been submitted.

FCRA 605B requires blocking all identity theftrelated information within four ( 4 ) business days of receiving a complete request. The law provides no discretion for partial blocking, selective removal, or repeated verification. By partially deleting some items while retaining others from the same theft event, Experian engaged in intentional, selective enforcement of the law, in direct violation of FCRA 605B, 607 ( a ), and 610 ( a ). 

This conduct constitutes multiple willful violations under 15 U.S.C. 1681n, entitling me to : Statutory damages of {$1000.00} per violation Actual damages exceeding {$5000.00} Full attorneys fees and costs Injunctive relief ordering permanent deletion of all fraudulent items Punitive damages for repeated, egregious misconduct FINAL DEMAND ( 48 HOURS ) : Experian must immediately and permanently block the XXXX XXXX  account and all remaining fraudulent inquiries identified above. Written confirmation of deletion must be provided within 24 hours of compliance.

Failure to comply will result in immediate filing of a federal lawsuit and referral to the CFPB, FTC, and Office of the Attorney General, seeking maximum statutory, actual, and punitive damages. Your repeated partial deletions have created irrefutable proof of willful violations and a clear pattern and practice of noncompliance, guaranteeing liability in court. 

Your actions are indefensible. You have admitted my documents were valid ( by deleting other items ), admitted the theft occurred, and admitted you could delete the information yet you chose not to. This is legal XXXX, and you will lose in 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 2025-08-11 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: VA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 explanation