vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice. 

Please note : I am not admitting responsibility for any account reported. 
Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted. 
Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly. 

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes. 

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: IN

Complaint narrative:
XXXX XXXX said that I owe them {$380.00} after they picked up my tank with all the gas. 
They damaged my property while picking the tank up. It cost me over XXXX to have it repaired. 
They also sold my debt to Tech Collect who keeps changing the original date of the collection. XXXX propane threatened to hurt my credit by sending this to collections. They only did this because I told them that they damaged my property. I took pictures of the damage but they refused to view them. The owner of XXXX propane said that his son told him that I let my dogs out to attack him which was a lie too. My dogs were let out after his son left the yard and he left my gate open. I do not owe this money to Tech Collect or Indy Propane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TN

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments and delinquency on my account, as these entries do not reflect the true status of my payments or agreed terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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 am submitting this follow-up CFPB complaint to formally dispute and demand the immediate and permanent removal of numerous unauthorized, inaccurate, and misleading credit inquiries that continue to appear on my credit reports with Experian, Equifax, and TransUnion, despite prior disputes. The continued reporting of these inquiries violates my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which strictly limit access to consumer reports to transactions with a valid and documented permissible purpose. 

After carefully reviewing my credit files, I identified numerous inquiries that were not authorized by me, do not correspond to any legitimate credit application, or were inaccurately reported as hard inquiries. These inquiries create a misleading record of my credit activity and falsely suggest excessive or reckless credit seeking. Their continued presence has negatively affected my credit score, impaired my ability to obtain credit on fair terms, and caused ongoing financial harm. 

On my Experian credit report, unauthorized inquiries include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX multiple auto dealerships and finance companies dated XX/XX/2024, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed with dates that do not align with any credit activity initiated by me. 

On my Equifax credit report, similarly unauthorized inquiries appear from 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 among others. 

My TransUnion credit report also reflects unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiple auto lenders and dealerships dated XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX none of which were properly authorized or supported by a permissible purpose. 

Many of these inquiries were made without my explicit consent, and several appear duplicative or improperly categorized as hard inquiries. Reporting these inquiries as hard pulls is misleading and inconsistent with the Fair Credit Reporting Act, as it inaccurately portrays my credit behavior and unfairly damages my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Via Certified Mail Return Receipt Requested [ Investigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information being reported in my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

After reviewing my credit report, I have reason to believe that one or more accounts and/or items being reported are inaccurate, incomplete, or can not be verified as required by law. This letter constitutes a request for a full reinvestigation of all information in my file that can not be properly verified.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable investigation to determine whether disputed information is inaccurate and to delete or correct any information that can not be verified within 30 days of receipt of this notice.

Please note : I am not admitting responsibility for any account reported.

Any item that can not be verified with competent evidence, including proper documentation from the original source, must be promptly deleted.

Automated or superficial verification does not satisfy the requirements of the FCRA.

If you verify any information, please provide : The method of verification used The name, address, and telephone number of the party that verified the information The date of verification Failure to comply with these requirements may constitute violations of the FCRA and will be documented accordingly.

I have enclosed copies of my government-issued ID, Social Security card , and proof of address to assist you in identifying my file. These documents are provided solely for identification purposes.

Please complete your investigation and provide me with an updated copy of my credit report reflecting the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies and misrepresentations appearing on my Equifax, TransUnion and Experian credit report, as protected under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 concerning the correction of billing errors, 15 U.S. Code 1666a regarding creditor restrictions during disputes, FCRA 611 ( 15 U.S.C. 1681i ) requiring accurate verification of disputed information, FCRA 623 ( a ) ( 2 ) obligating furnishers and credit bureaus to correct and update inaccurate data, FCRA 605 ( a ) prohibiting obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) ensuring the right to full disclosure. Despite previous disputes, my report continues to contain multiple errors that materially misrepresent my financial history and creditworthiness. 

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 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 2025-12-27 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: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies and misrepresentations appearing on my Equifax, TransUnion and Experian credit report, as protected under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 concerning the correction of billing errors, 15 U.S. Code 1666a regarding creditor restrictions during disputes, FCRA 611 ( 15 U.S.C. 1681i ) requiring accurate verification of disputed information, FCRA 623 ( a ) ( 2 ) obligating furnishers and credit bureaus to correct and update inaccurate data, FCRA 605 ( a ) prohibiting obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) ensuring the right to full disclosure. Despite previous disputes, my report continues to contain multiple errors that materially misrepresent my financial history and creditworthiness. 

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 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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding a debt collection agency, Credit Control , LLC, contacting me for a debt that does not belong to me. I began receiving multiple emails from Credit Control , LLC alleging that I owed money, which caused significant distress and anxiety. In an effort to resolve the matter, I paid to meet with an accountant and had to purchase a credit report and spend hours on the phone with XXXX XXXX, XXXX, which interrupted my holidays with my family. Upon reviewing the credit report, it was discovered that the debt in question did not belong to me. It is clear that Credit Control , LLC made an egregious error, either by misidentifying the responsible party or through negligent practices. Their wrongful actions caused me considerable emotional distress and unnecessary panic, as they initiated collection efforts without proper verification. 

Credit Control , LLC failed to exercise due diligence in verifying the identity of the consumer before initiating collection efforts.

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 2025-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Toyota Financial Services for reporting a remaining auto loan balance on my credit report after my vehicle was declared a total loss.

The vehicle was financed through Toyota Financial Services and was involved in an accident in which it was totaled. After the insurance settlement was applied, I only owed a little over {$2000.00} on the account. Despite the vehicle no longer existing and the loss being settled, Toyota Financial Services continued to report the remaining balance as a negative account on my credit report.

I believe this reporting is unfair and inaccurate, as the vehicle was totaled and the balance reflects a deficiency related to the total loss, not an active loan for a usable vehicle. This negative reporting has caused damage to my credit and financial standing.

I am requesting that Toyota Financial Services : 1. Correct or remove the negative credit reporting related to this account, and 2. Ensure the account is reported accurately in light of the total loss and insurance settlement.

I have attempted to resolve this matter but have not received a fair resolution. I am requesting the CFPBs assistance in reviewing this issue and helping

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding a fraudulent account opened in my name with Seven Avenue without my knowledge or authorization. I am a victim of identity theft.

An account with Seven Avenue was opened using my personal information without my consent. I did not apply for this account, did not authorize it, and did not benefit from any purchases or charges associated with it. Despite this, Seven Avenue has reported or attempted to report this account in a manner that negatively impacts my credit profile.

I have disputed this account directly with Seven Avenue and with the credit reporting agencies, stating clearly that the account is the result of identity theft. I have also taken steps to protect myself by placing fraud alerts and filing an identity theft report. 

I am requesting CFPB assistance to ensure that : 1. The fraudulent Seven Avenue account is closed immediately 2. Any balance associated with this account is removed 3. All negative credit reporting related to this fraudulent account is deleted from my credit reports 4. Seven Avenue provides written confirmation that this account was fraudulent and resolved This account does not belong to me, and continued reporting or collection attempts are causing unjust financial harm. I am requesting prompt investigation and correction under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Capital One Excessive Interest Rate and Unfair Credit Practices Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Capital One and their handling of my credit card account. The interest rate applied to my account was excessively high and, in my view, unfair and unreasonable given my financial circumstances.

Despite making efforts to manage the account, the high interest rate caused the balance to increase rapidly, making it difficult to bring the account current. The interest charges significantly outweighed any principal reduction and directly contributed to the account becoming delinquent and ultimately charged off.

I believe Capital One failed to adequately disclose or reasonably apply the interest rate and did not offer meaningful assistance or alternatives before charging off the account. This practice placed me in a financially harmful position and does not align with fair lending or consumer protection standards.

I am requesting that the CFPB review Capital Ones practices in this matter and require the following remedies : - A review and adjustment of the interest rate applied to my account - Correction or removal of negative credit reporting related to unfair interest accumulation - A fair resolution that reflects reasonable lending practices I appreciate your time and assistance in reviewing this complaint. Please contact me if additional information or documentation is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I dispute the late payment and delinquent status currently being reported on my account. These remarks are incorrect and do not reflect my actual payment history or agreed payment terms.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: FL

Complaint narrative:
I had initiated an XXXX XXXX XXXX from XXXX to XXXX vide the Reference number XXXX on XX/XX/2025. At the time of scheduling the Transfer, the Merchant promised the Remittance in my XXXX XXXX  account within the window time frame of XXXX XXXX XXXX days ( Screenshot uploaded ).

I have not yet received the payment in the Receiver 's account till filing of this Complaint, that is XX/XX/2025. 

At the time of transfer, it was clearly agreed that the Transfer would be completed and the Amount deposited in the Receiver 's account within XXXX to XXXX Business Days. 

Even though it's more than XXXX Business Days now, I am still awaiting the payment in XXXX XXXX  account. 

When contacted, one of the XXXX replied to my Email saying that the Money transfer and Remittance takes longer time than mentioned previously. 

If the Merchant was aware about the delay in the Remittance, then still they promised a different date which is a Clear case of Cheating and Financial Fraud by a Foreign Company. CFPB in US should take stern action against these fraudulent Business firms which if investigated, could open series of fraud and even lead to possible Money Laundering which is a serious offence in XXXX under the XXXX Act. 

Kindly look into the matter and do the needful at the earliest and order a thorough investigation so that these Companies do not trap more gullible Customers with false and misleading advertisement and involve themselves in a Breach of Contract.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-27 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on the date in question ; therefore, I request that this unauthorized inquiry be investigated and removed from my report as soon as possible.

Company response to consumer: Closed with explanation