vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I rented an apartment in XXXX XXXX Upon moving out, I thoroughly cleaned the unit and ensured it was in move-in condition with no damages. I also took photos before leaving, see attached below. After vacating and returning the keys, the property management never offered or conducted a move-out inspection. 

Despite this, I was later contacted by a collection agency claiming I owed charges for rent, cleaning, and damagesnone of which were discussed or agreed to. I disputed the charges with both the rental company and the collection agency, but neither provided documentation or responded to my requests. 

The collection includes cleaning and damage fees not supported by my lease, and the agency continues to add interest, even though the lease does not authorize interest accrual after the account is sent to collections. I have not made any payments or agreed to these terms. The lease agreement and move in inspection are attached for reference. 

I also filed a dispute with XXXX which was unfortunately closed without correcting the balance. 

In an attempt to resolve the matter, I offered to settle the account for {$1500.00}, but the collector rejected the offer. I have since formally disputed the legitimacy of the charges and am seeking a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
The company is reporting inaccurate and unverified information in violation of the FCRA, including 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 1681b. I requested method of verification and they failed to provide it. This is causing financial harm and damaging my ability to obtain credit. These actions are willful and negligent under 15 U.S.C. 1681n and 1681o. Im requesting deletion of the following account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
The company is reporting inaccurate and unverified information in violation of the FCRA, including 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 1681b. I requested method of verification and they failed to provide it. This is causing financial harm and damaging my ability to obtain credit. These actions are willful and negligent under 15 U.S.C. 1681n and 1681o. Im requesting deletion of the following 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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: MD

Complaint narrative:
I have received collection letters on behalf of a bankrupt company that failed to deliver the promised services, despite billing the full contract amount. My plan started XX/XX/2023, and XXXX went out of business later that year without fulfilling the rest of the contract for the aligners and completing the orthodontic treatment. I am now receiving letters from a company called TekCollect stating I owe them {$1800.00}. I am currently stationed overseas in the US Army and was sent the letter by my parents. My Debtor ID with TekCollect is XXXX, and the account reference number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by BARCLAYS BANK DELAWARE on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Finance Companies - non specific - Reporting Bureau : Unspecified - Company Phone : ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ). 


Complaint : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX XXXX XXXX XXXX  on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Auto Financing Companies - Reporting Bureau : XXXX Complaint : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX XXXX XXXX XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Automobile Dealers, New - Reporting Bureau XXXX XXXX XXXX Company Phone : ( XXXX ) XXXX I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ). 

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately. 






If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately.

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 2025-08-06 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: NM

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NM

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy of multiple accounts currently being reported on my credit file. These accounts appear to contain inaccurate or misleading information in violation of the Fair Credit Reporting Act ( XXXX  ) and XXXX XXXX compliance standards. 

The accounts in question are : Transunion & Experian XXXX XXXX XXXX * * * * {$990.00} XXXX XXXX XXXX XXXX * * * * {$1000.00} Equifax ( Balance being updated inaccurately across credit agencies ) XXXX XXXX XXXX * * * * {$800.00} XXXX XXXX XXXX XXXX * * * * {$870.00} These accounts are being reported as charged-off but continue to update monthly as if active, which falsely alters the payment history and misrepresents the account status. Under XXXX XXXX reporting guidelines, a charge-off is a one-time event and should not be reflected as recurring or active. Continuous updates on charged-off accounts can distort credit scoring models and extend the statute of limitations unfairly. 

I have not received any verifiable documentation to support the validity of these debts, nor to confirm the furnishers legal authority to report or collect on them. As per the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX S.W. XXXX, XXXX ( Mo. ) ), failure to respond to a verification request permits the presumption that no valid debt exists. 

I respectfully request the following actions be taken : A full reinvestigation of the reporting for all three accounts ; Immediate deletion or correction of any inaccurate or unverifiable information ; Submission of the following supporting documentation if the accounts are to remain : Proof of the original debt ; Documentation of the lawful transfer or sale of the debt ; Confirmation that all data is being reported in compliance with FCRA and XXXX XXXX guidelines. 

If the accounts can not be verified accurately and completely, I request that they be removed from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed some fraudulent charges on my checking account. The charges were dated ( XXXX ) XX/XX/year> and ( XXXX and XXXX ) on XX/XX/year> ; each for {$9.00}. They were all from the same company. I disputed all of them. Wells Fargo gave me provisional credits for each charge while they did their investigation. I received a letter dated XX/XX/year> that XXXX of the {$9.00} credits would be final. I received a second letter dated XX/XX/year> that the other XXXX {$9.00} charges were valid and the they were going to reverse the credits. I called Wells Fargo on XX/XX/year>. They said the decision was final and there was nothing else I could do about XXXX of the {$9.00} charges. I have to pay for the purchases I didn't make. I asked to escalate the issue but they said it wasn't going to make a difference, their decision was final. I asked to make a formal complaint which Wells Fargo said they would send along to customer service. I also asked them to send me the documents from their investigation and tell me how they made their decision. They let me know that I should receive the documents in the mail in XXXX days but that there is still nothing I can do. They are going to be taking back the credits on XX/XX/year>.

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 2025-08-06 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX, Pennsylvania XXXX Dear Sir/Madam, I am writing to request that you remove child support information from my consumer report in accor-dance with Section 1681b of the Fair Credit Reporting Act. 
Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency; and ( 2 ) antedates the report by 7 years or less. 
I understand that child support information has been included in my consumer report, and I believe this information is in violation of the Fair Credit Reporting Act. I have not failed to pay overdue support, and this information is inaccurate and misleading. Therefore, I demand that you remove any and all child support information from my consumer report immediately. 
If this information is not removed promptly, I will take necessary legal action to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your attention to this matter. 
Sincerely, XXXX 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 2025-08-06 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: CO

Complaint narrative:
Viking Client Agency Services, LLC ( Viking ) sent me a letter dated XX/XX/year>, in an attempt to collect a debt on behalf of XXXX XXXX in the amount of {$170.00}. 

On XX/XX/year>, I disputed the debt and requested proof of validation and requested Viking to cease and desist communication with me excluding providing validation of the debt. Certified Letter Mail XXXXXXXX XXXX XXXX Viking responded to my request and provided a letter dated XX/XX/year>, and supporting document in an attempt to validate the debt. The information on the letter and the supporting documentation indicated a different total amount due and account numbers, the original creditor name and addresses were different, the addresses shown for the recipient ( myself ) were not the same. ( Reference Attachment D ) On XX/XX/year>, I mailed a notice of non-validation of debt letter to the Viking and requested again that all communication with me immediately cease, as there was no validation of debt. ( Reference Attachment E ) Certified Letter Mail Receipt Proof of Delivery of the Certified letter was returned with Delivery Confirmation and signed by Viking on XX/XX/year> at XXXX. ( Reference Attachment XXXX ) On XX/XX/year>, Viking contacted me twice on this debt after receipt of my request to Cease and Desist all communications with me. ( Reference Attachment H-Phone Calls from Viking ) I request the maximum penalty allowed of {$1000.00} for each incident ( two collection calls on XX/XX/year> ) under law against this agency for violating the law under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. This is hurting my ability to obtain credit.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. This is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. This is hurting my ability to obtain credit.

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 2025-08-06 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: NC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-06 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: NC

Complaint narrative:
Accounts appearing on my credit rpts that are either paid but reporting delinquent, old accounts that should of been deleted, incorrect amounts, personal information, such as addresses, and employment that don't belong to me as well accounts are XXXX XXXX XXXX  ( OLD CHARGEOFF ), XXXX XXXX  ( OLD ACCOUNTS, AND PAID ), XXXX  REPORTING NEGATIVE BUT WAS PAID, XXXX XXXX XXXX XXXX XXXX  ARE ALL ACCOUNTS DETAILED TO BE INCORRECT BALANCE INFO., DATES.... EMPLYERS I NEVER WORKED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  , Addresses like XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 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