vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MO

Complaint narrative:
I am disputing a debt being collected by TekCollect on behalf of XXXX. 
I signed a treatment agreement with XXXX on XX/XX/XXXX, which included lifetime support and functioning retainers. 
XXXX went bankrupt and failed to deliver the full services promised, leaving my treatment incomplete. 
I submitted a formal written dispute to TekCollect on XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), collection efforts must stop until proper validation is provided.

TekCollect contacted me via text on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The XX/XX/XXXX contact occurred after I submitted my written dispute but before I received additional validation documents, which may constitute a violation of FDCPA.

TekCollect sent additional documents including an itemized account summary, but these do not demonstrate that XXXX fulfilled their contractual obligations or that the full balance is legally enforceable. 

I am requesting that this alleged debt be invalidated due to XXXX breach of contract and that TekCollect cease all collection efforts immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: HI

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on my credit report. According to your records, several payments are marked as late. This is incorrect these payments were made on time. The continued presence of these false entries is damaging my credit score and misrepresenting my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: HI

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on my credit report. According to your records, several payments are marked as late. This is incorrect these payments were made on time. The continued presence of these false entries is damaging my credit score and misrepresenting my payment history.

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 2025-08-23 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: HI

Complaint narrative:
Please review this complaint carefully, as it is not a mistake. My credit report appears to contain mixed information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has caused me significant stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: HI

Complaint narrative:
Please review this complaint carefully, as it is not a mistake. My credit report appears to contain mixed information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has caused me significant XXXX  and 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 2025-08-23 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: AZ

Complaint narrative:
I reached out to all XXXX credit bureaus disputing the accuracy of this account. It came back verified each time. These credit bureaus did nothing to actually investigate the issue I addressed. Now, the actual credit card company has corrected one of the very inaccurate reporting factors! I demand this account from XXXX XXXX credit card company be removed! The reported balance has been incorrect for months and no one from either of the bureaus attempted to properly investigate my concerns. A clear violation of the FCRA and my consumer rights!!! How did they not properly investigate and come back to say the account was verified, if in fact, it was inaccurate by the XXXX XXXX XXXX own attempt to correct the inaccuracy!! These XXXX credit bureaus all violated my consumer rights.. I demand removal of this account!

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 2025-08-23 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TN

Complaint narrative:
I pulled my credit through a monitoring service and discovered several inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'I am submitting this complaint regarding multiple unresolved disputes sent to Transunion concerning inaccurate information on my credit report. Despite several written notices and formal dispute submissions, Transunion has failed to respond adequately. The disputes were marked as verified without any supporting documentation or evidence that a proper investigation took place, in clear violation of the Fair Credit Reporting Act (FCRA). I have also submitted a request to freeze my credit report, which has not been meaningfully acknowledged. Transunion continued failure to respond, correct the disputed information, or provide any documentation constitutes willful noncompliance with federal consumer protection laws. I have formally placed Transunion Chief Financial Officer in default due to nonresponse and notified the company of my intent to proceed with arbitration if they continue to neglect their legal obligations. Furthermore, I have requested a wet ink signature contract evidencing my alleged obligation to the reported account. To date, Transunion has failed to provide this or any legally binding agreement bearing my original signature, which is necessary to validate the accuracy and legitimacy of the tradeline in question. I respectfully request that the Consumer Financial Protection Bureau investigate Transunion conduct and compel them to comply with federal law, including conducting a proper investigation, removing inaccurate information, and providing verifiable documentation as requested. Copyright Notice: This statement and all related communications are the original work of the undersigned and are protected under U.S. copyright law. Unauthorized use, reproduction, or alteration of this document or its contents without express written permission is strictly prohibited. XXXX months of disputes have gone unresolved and unverified. Multiple notices sent to the CFO including dates delivered XXXX notice of dispute and notice to perform, notice of POA. Notice of default and affidavit of truth certified mailed and delivered to XXXX XXXX XXXX on XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX. \nA lot with a copyright notice of unauthorized use and fee.'

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 2025-08-23 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL 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 2025-08-23 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.

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I sent a debt validation letter to National Credit Systems on XX/XX/year>, requesting proof of the alleged debt. They have not responded within the XXXX period required under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this, they are continuing to update the account on my credit report, which I believe is a violation of federal law. 

Requested resolution : Have the CFPB investigate National Credit Systems for violating FDCPA.

Ensure the account on my credit report is marked as disputed until the debt is properly validated.

Stop any further reporting or collection activity until they respond to my validation request.

Attachments : Copy of debt validation letter Certified mail receipt Screenshots of current credit report showing updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Several inaccurate or misleading items have been reported on my credit file by multiple data furnishers. These include incorrect collection statuses, reports of payment activity on closed or charged-off accounts, and accounts that are unverifiable. These errors are damaging my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to assure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) ( 5 ) which requires deletion or correction of unverifiable or inaccurate information after reinvestigation.

I submitted a formal written dispute to the credit bureaus along with copies of my reports and supporting documentation. Despite this, the disputed items have not been properly validated or corrected. Experian : A collection account from a debt collector was marked as " Closed '' but is still reported as an active collection with a balance. No proof of debt has been provided. 
Another collection account is showing payment activity, which is inaccurate because collection accounts do not reflect monthly payments unless actively being paid. 
A charge-off account is incorrectly showing late payments after the charge-off date, which is misleading and violates credit reporting standards.

Equifax : Two collection accounts remain on my report without any debt validation provided.

Multiple tradelines show late payments after being closed or charged off, which is both inaccurate and harmful to my score. I disputed the accounts in writing and included proof of identity and annotated credit reports.

I requested a full reinvestigation under 15 U.S.C. 1681i ( a ) and deletion of any unverifiable or inaccurate data.

I have not received evidence that the information is accurate, nor have the items been removed. I want the CFPB to investigate these reporting errors. 
I want the credit bureaus to conduct a reinvestigation and delete all inaccurate or unverifiable information as required by law. 
I also request that these data furnishers cease reporting inaccurate data unless they can provide complete, verifiable documentation.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: MS

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX  I received a text message from AVANT creditard asking if I authorize a purchase of {$110.00} at XXXX to which I replied no. Then I received another message saying that my card had been blocked by the fraud prevention alert dept. Then on XX/XX/XXXX, they informed me that they would send me a new card in the next 14 days and that the disputed amount of {$1400.00} would be credited and that when I receive it I should activate it and call them, to date I have not received the card, but I found out about the increase in my balance through XXXX XXXX  I have called several times with the difficulty that they do not have services in XXXX. Today, XX/XX/XXXX, I received two letters : one on XX/XX/XXXX, saying thank you for calling them and that they need to contact me. The other, on XX/XX/XXXX, said they had already investigated and that it was definitively my balance was {$29000.00}. I called them and the case was closed. My responsibility has not been definitively determined, considering that my card only has a limit of {$4500.00} and in one day they made more than 18 charges, and according to them, for $ XXXXand please note that I never received the new card until the date of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
I received a letter XXXX XXXX regarding a debt in thee amount of {$3000.00} and per Stenger & Stenger, PC. The original creditor is XXXX XXXX XXXX XXXX Stating I had a judgement against me in favor of XXXX. Which in fact is not true. I requested a validation of the debt via email and the debt collection agency responded with an attachment that could not be opened. 

They continue to attempt to collect a debt that doesn't belong to me. If they allow me a fair chance to respond. They will find that I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
My account was closed with no explanation given besides the review of my account I submitted wasnt good enough. They have my money in the account and will not give it back for 90+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

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

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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-23 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: TN

Complaint narrative:
I pulled my credit through a monitoring service and discovered several inaccuracies.

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 2025-08-23 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: TN

Complaint narrative:
I pulled my credit through a monitoring service and discovered several inaccuracies.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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