vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In XXXX, I jointly took out an auto loan with my XXXX through Ally Financial. In XXXX, we XXXX. Our court-issued XXXX  decree assigned the vehicle and full financial responsibility for the loan to my XXXX and stated that I was to be held harmless from any further liability. 

Despite this, late payments made by my XXXX from XXXX to XXXX were reported on my credit reports, causing significant damage to my credit score. My score has since dropped below XXXX due to XXXX derogatory marks, which I had no control over. 

In XXXX, I contacted Ally Financial and was informed that my name could not be removed from the account until the loan was paid off. I was told by multiple Ally representatives that after the loan was paid in full, my name could be removed, which would remove the account from my credit reports, and this would resolve the issue. 

The loan was paid off in XX/XX/XXXX. However, Ally has since refused to remove my name from the account or correct the late payment notations on my credit reports, despite their prior statements and despite the court decree assigning responsibility to my XXXX 

Despite being told by an Ally customer service representative to dispute the account with the XXXX credit bureaus, the disputes were investigated in XX/XX/XXXX and the credit bureaus stated they had verified the information as accurate with Ally. 

I have made multiple attempts to resolve this directly with Ally, including formal goodwill letters, escalations, chats with Ally customer service via chat bot and phone, and secure message inquiries. Some of these communications were assigned Ally case numbers but were ignored. In XX/XX/XXXX, an Ally customer service representative committed to sending a formal written response within XXXX XXXX, but I never received it. 

In XX/XX/XXXX I submitted formal goodwill letters via email and Ally 's secure messaging system. The message was assigned a case number but never received a response. I received a written response to the email and a formal postal response in XX/XX/XXXX stating the account information is accurate and no further action will be taken by Ally. 

I have attached supporting documentation, including my XXXX  decree, Ally customer service communications, formal response by Ally, credit disputes, and screenshots of my credit reports showing the derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
A negative report has been placed on my credit from false reporting of a debt by this company in the amount of {$100.00}. I have never signed any paperwork nor done any dealings with this company. I do not have any written agreements with this company. I have never heard of them or had any business with them in past present or future. I have no knowledge of this debt and believe there is a possibility my identity might've been used fraudulently in business dealings with them if any. I never received notice of any debt or information to make contact in regards to a debt. This company has falsely reported debt in my name with 2 different accounts, company names, as well as addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
This is a formal XXXX XXXX and FCRA dispute and complaint regarding inaccurate, fraudulent, and unverifiable information currently appearing on my Experian credit report. I am a documented victim of identity theft, and you are now in receipt of my official FTC Identity Theft Report ( Report # XXXX ), along with a valid government-issued ID and proof of address. 

Your continued reporting of the following accounts and inquiries violates XXXX XXXX compliance guidelines, FCRA 605B, 623 ( a ) ( 1 ) ( A ), and 607 ( b ). You are required to permanently DELETE, not just suppress, all disputed data that is inaccurate, unverifiable, or reported as identity theft. Blocking or re-verifying these items is not optional. 

These were fraudulently opened without my consent or knowledge and are legally unreportable under FCRA 605B ( a ). Under XXXX XXXX Compliance Guidelines ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), data furnishers are prohibited from verifying accounts flagged as identity theft once supporting documentation is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint to Innovis, XXXX, and XXXX  ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding the handling of my personal information by your agency. You have reported inaccurate, outdated, and unverified data on my consumer report, including but not limited to wrong addresses, account associations, and unauthorized entries. This data is being used to negatively impact decisions concerning credit, employment, housing, and other consumer rights protected under federal law. 

In addition, you have shared or allowed access to my personal information by third parties without my explicit consent, which is a violation of privacy protections outlined under the Fair Credit Reporting Act ( FCRA ) and applicable data privacy statutes. 

Moreover, the process for requesting a security freeze or restricting third-party access to my file has been unclear, misleading, or misdirected. Some of the addresses and instructions provided for initiating a freeze were incorrect or outdated, causing delays and confusion, and impeding my federally protected right to limit access to my consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westcreek Financial
State: NY

Complaint narrative:
never applied for or authorized this loan that appears on my credit report under the name of XXXX  / KOALAFI. I do not recognize this account and have no relationship with this company. 

This account is negatively affecting my credit and has caused damage to my financial history. I am requesting that it be removed immediately, as it is either an error or potential identity theft. I did not sign any contract, receive any funds, or give any form of consent for this account. 

I am requesting an urgent investigation and the correction of this inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I sent a formal debt validation request to XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ). Their response failed to include any legal documentation to validate the debt, such as a signed contract or itemized statements showing how the balance was calculated. 

Despite this, they continue to report the account to the credit bureaus. This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), as reporting a debt without proper validation is 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 non-monetary relief
Consumer complaint received 2025-07-21 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at XXXXXXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Late Payment Entries Pursuant to 15 U.S.C. 1681a To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681a, and is a demand for the immediate deletion of inaccurate and outdated late payment notations currently appearing on my consumer report maintained by TransUnion. 
The FCRA defines the purpose of consumer reporting as ensuring fair and accurate credit reporting that is confidential, accurate, relevant, and properly utilized. Late payments that are misleading, unverifiable, or outdated are in violation of my rights as a consumer. 
Furthermore, you are reminded of your duties under 15 U.S.C. 1681i, which require you to conduct a reasonable reinvestigation of any information disputed by a consumer and delete or modify information found to be inaccurate, incomplete, or unverifiable. 
Supporting Case Law : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court emphasized that consumer reporting agencies must ensure the accuracy of reported information and can not blindly rely on data furnishers. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : It was established that continued reporting of inaccurate or misleading information, even after being notified by the consumer, constitutes willful noncompliance under the FCRA. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court found that information must be both accurate and not misleading in any material sense, and failure to meet that standard can result in liability under the FCRA. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforces that CRAs must reinvestigate disputes and remove unverifiable or erroneous information. 
As such, I demand that TransUnion : Immediately remove all late payment entries that are inaccurate, misleading, or unverifiable. 
Provide written confirmation that these entries have been deleted. 
Refrain from re-reporting these items unless they are fully verified under FCRA standards. 
Failure to comply will constitute a continued violation of the FCRA, and I will not hesitate to pursue legal remedies including statutory damages, actual damages, and punitive damages under 15 U.S.C. 1681n and 1681o. 
Please respond in writing within the XXXX statutory period with confirmation of your reinvestigation and the specific results, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
I previously submitted a complaint regarding a XXXXrelated debt that was being pursued by TekCollect Inc . The original provider, XXXX, filed for bankruptcy shortly after I signed the agreement, and completely ceased operations by XX/XX/XXXX. Services were never completed, and I experienced serious medical side effects from their unsupervised aligners. 

I submitted a formal dispute and debt validation request to TekCollect, which they acknowledged in XX/XX/XXXX. In their CFPB response, they claimed to have paused collection and to be seeking validation. However, as of todays date, I have received no documentation or proof of the debt, despite more than three weeks having passed.

This means TekCollect ha

s failed to comply with the FDCPA, which requires collectors to validate a debt before continuing collection attempts. The account remains unverified, and they have not closed it or provided written confirmation that it is no longer being pursued. I am requesting that the CFPB require TekCollect to : Confirm in writing that the debt is unvalidated and will not be collected Permanently cease all collection attempts Close the account and notify any credit reporting agencies, if applicable I am also requesting a review of whether TekCollects conduct violates the FDCPA or other applicable consumer protection laws. 

Supporting documentation available upon request includes : XXXX XXXX contract HFD emails acknowledging incomplete service My written dispute letter TekCollects CFPB response

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MD

Complaint narrative:
I am filing this complaint because a debt collection agency is attempting to collect a debt from me in the State of Maryland without being properly licensed, in direct violation of Maryland state law and federal consumer protection laws.

Under Maryland Code, Business Regulation 7-301, all collection agencies doing business in Maryland are required to be licensed by the Maryland Collection Agency Licensing Board . I have confirmed that the company attempting to collect this debt is not listed in the NMLS or licensed in Maryland.

Furthermore, this conduct also constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Specifically : 1692e ( 5 ) : They are threatening or attempting to collect a debt in a way not permitted by law ( i.e., without a required state license ).

1692e ( 10 ) : They are using deceptive means to collect a debt by not disclosing or maintaining the required licensure.

1692f : Their actions are unfair and unconscionable, especially as they are illegally operating in the state.

I have not received a valid debt validation in response to my request, and the agency continues to engage in collection activities and possibly reporting to credit bureaus despite its unlicensed status.

Please see the case law below : Bradshaw v Hilco Receivables, LLC 765 F. Supp. 2d 719 ( D. Md. 2011 ) -- A debt collector that attempts to collect a debt in Maryland without being licensed under Marylands Collection Agency Licensing Act ( MCALA, Md. Code Bus. Reg. 7-101 et seq. ) violates both state law and the FDCPA.

Fontell v. Hassett, 870 F. Supp. 2d 395 ( D. Md. 2012 ) -- A collector that fails to comply with state licensing requirements may be found liable under multiple FDCPA provisions, including 1692e ( false/deceptive practices ) and 1692f unfair practices.

If a debt collector is not licensed in a state that requires licensure ( like Maryland ), then : They are in violation of state law ( Maryland Code 7-301 ).

Their collection attempts constitute false, deceptive, or unfair practices under the FDCPA specifically : 1692e ( 5 ) Threat to take illegal action 1692e ( 10 ) Misrepresentation or deception 1692f Unfair means of collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- - XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} These XXXX have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
As I reviewed my Credit Report, I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the following accounts need a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. XXXX XXXX * * * * * * * * * * * * Balance Owed : {$53000.00} XXXXXXXX XXXX XXXX * * * * * * * * * * * Balance Owed : {$34000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
This letter serves as formal legal notice that I am a XXXX of identity theft and am exercising my full rights under federal law. 
Under the Fair Credit Reporting Act, XXXX XXXX XXXX, you are LEGALLY REQUIRED to block and permanently remove the following fraudulent accounts WITHIN XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and supporting documents.

Company response to consumer: Closed with explanation