vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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 am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TekCollect Inc.
State: ME

Complaint narrative:
I am writing to formally document and dispute my experience with XXXX XXXX XXXX and Tek collection. 

On XX/XX/year>, I signed up for clear aligner treatment with XXXX XXXX XXXX. However, upon beginning the treatment, I noticed that the aligner trays I received were incorrect and did not fit my teeth at allnot even the initial trays. 

I contacted XXXX XXXX XXXX by phone to address this issue, and we began a series of communications. Unfortunately, on XX/XX/year>, I received an email from XXXX XXXX XXXX informing me that the company had filed for bankruptcy and would no longer be continuing or supporting my treatment plan. This sudden termination of services is a clear breach of our agreement, as they : Never provided me with properly fitting or usable aligners Did not complete or support the treatment plan I paid for Continued to charge me monthly payments despite not delivering the agreed-upon product or services I am seeking resolution for this matter, today my credit score was impacted by a company called TekCollection who never contacted me previously. Im seeking the cancellation of any remaining charges and a refund for the payments made toward a treatment I never received in full. 

Please consider this letter a formal request to correct this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
XXXX  your response to CFPB complaint was not answered XXXX { I request that the CFPB step in on this matter } I request method of verification { show proof }. XXXX XXXXou admit that you electronically send and receive information that is illegal { Graham, Leech, Blily act } look it up, I see that the third party is claiming they are the original creditor and you are reporting it, also this alleged account is closed { not Open } I request the information listed under the fair debt collection practice act You are required to respond with the documents to properly vaildate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX - Account Number 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 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 non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is important to me, yet I continue to see false and inaccurate information that has never been correcteddespite multiple attempts to address it. This ongoing issue is not only frustrating and exhausting, but its also unfairly damaging my credit score and affecting my life in a serious way.

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 2025-06-26 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: OH

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 2025-06-26 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: CA

Complaint narrative:
A closed, fully-paid secured loan from XXXX is still reporting derogatory data on my credit file.

The loan was closed and paid in full on XX/XX/year> with a {$0.00} balance, yet the tradeline shows

Current status plus a past 30-day delinquency. Only 1 payment was ever 30 days late, but the bureaus display an on-time ratio of 75 %, which is mathematically wrong for a 48-month term ( 97.9 % on-time should be shown ). The furnisher has not supplied a proper Date of First Delinquency ( DOFD ). These errors violate Metro 2 reporting rules ( closed/paid accounts must be coded Paid/Closed or Paid/was delinquent, not Current with active derogatory history ) and FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). I disputed through all three credit bureaus, but the furnisher verified the inaccurate data without correction. This continued misreporting is harming my credit profile and appears to be willful non-compliance with 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 2025-06-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , 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. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXX XXXX Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX. XXXX XXXX XXXX - XX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 

Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect Incorrect Name - XXXX XXXX - The following personal information is incorrect Incorrect DOB - XX/XX/XXXX - The following personal information is incorrect Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Equifax for failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ), which legally requires a credit reporting agency to block fraudulent information on a consumers report within four business days after receiving the required documentation. 

On XX/XX/year>, Equifax received via certified mail a complete 605B request from me, which included : An FTC Identity Theft Report filed at identitytheft.gov A copy of my government-issued photo ID ( drivers license ) A recent utility bill verifying my current address The last four digits of my SSN A list of accounts I identified as fraudulent, with account names and partial numbers exactly as they appear on my credit report Despite receiving all legally required documentation, Equifax has refused to block the fraudulent tradelines, citing an alleged need for a copy of my full Social Security card and full account numbers, neither of which are required under federal law. They also informed me that the matter is still under investigation, in contradiction to the mandated 4-business-day timeline for blocking fraudulent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NY

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 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I am submitting this complaint against Aidvantage regarding a serious and misleading designation applied to my student loan account. On or about XX/XX/year>2025, I contacted the servicer and was informed that a cease and desist status had been placed on my account. I was advised that this status was allegedly triggered by correspondence I previously sent. 

I want to make it explicitly clear : I never submitted, authorized, or requested a cease and desist in any form. My prior correspondence consisted solely of lawful consumer disputes asserting my rights under the Fair Credit Reporting Act ( FCRA ) and applicable federal consumer protection laws. These communications were intended to address inaccuracies and obtain validation of the debtnot to block contact or servicing access. 

The erroneous application of a cease and desist code has resulted in restricted communication from the servicer and may be obstructing my ability to resolve legitimate issues on my account. I am now demanding that the servicer : 1. Immediately remove the false cease and desist status from my account ; 2. Provide written confirmation of its removal ; 3. Disclose the documentation or basis they used to justify applying this designation ; 4. Ensure that my rights as a consumer are not infringed by improper internal account codes.

This false status appears retaliatory or negligently applied and may constitute an unfair servicing practice and a violation of my consumer rights. I request that the CFPB investigate this matter and ensure corrective action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I authorized a {$190.00} payment to a debt collection agency as part of a settlement agreement. Instead, {$500.00} was withdrawn from my Chase checking account significantly more than I agreed to. 

I contacted Chase and disputed the charge, explaining that I had a recorded call with the agencys representative confirming the {$190.00} agreement. I also submitted a transcript of the call showing the representative acknowledged the overcharge and promised a refund. 

Chase denied my dispute, stating that they could not accept the transcript because I created it and did not have a receipt. I explained that the agency refuses to send any written documentation, even though they admitted the mistake on the phone. I also asked Chase to reclassify the dispute as an authorized transaction for the wrong amount, but they refused. 

Ive made every good-faith effort to resolve this with both the collector and Chase, but I have not received a refund, and Chase is unwilling to reconsider with the evidence provided. Im requesting CFPB assistance to have this case properly reviewed and the {$300.00} overcharge refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This collection account that has been reported to my credit is incorrect. As I have no record of this debt and was never properly notified of its existence. I did not receive any emails, letters, phone calls, or official communication from the collection agency or the original creditor prior to it being reported to the credit bureaus. 

After noticing the collection on my credit report, I submitted a dispute with the credit bureaus. However, the account was verified without any documentation or explanation provided. The dates listed on the account do not align with any legitimate financial activity on my part, and I have no recollection or record of ever owing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
XX/XX/year> I sent Experian a letter to dispute information on my credit report being reported inaccurately. However, XX/XX/year> they verified the information but didn't provide the findings of how they obtained the verification of the results of their reinvestigation. Additionally, once a creditor writes off the debt as a loss, it shouldnt be continuously reported as a new charge-off month after month. A charge-off being reported on my credit as a recurring event over multiple months may indicate a misunderstanding or misreporting by the creditor or credit bureau XXXX This issue still isn't resolved despite the multiple charge offs being reported 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 explanation