vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX incorrectly reported a late payment to Experian. I made this payment on time and have documentation to prove it. I also made my XX/XX/year> payment on time, but this was also inaccurately reported. I disputed this with Experian multiple times and submitted evidence, including screenshots of my payment history. It has now been over XXXX days since I initiated the dispute, and the inaccurate information remains on my credit report. 

Experian has also added a comment that the account was " investigated and verified, '' which is misleading and prevents future disputes. This is a violation of my rights under the Fair Credit Reporting Act, specifically sections XXXX and XXXX, which require accurate reporting and reasonable reinvestigations. The inaccuracy is unfairly lowering my credit score and impacting my financial standing.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'Was told I could withdraw my credit even though account got restricted. Then told I cant take anything out. Even after I let them know that is my medication money and was promised I cant take anything withdraw my funds. They keep giving me the run around.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NH

Complaint narrative:
Dear Experian and TransUnion. I am writing to request the blocking of information on my credit report resulting from identity theft under Section XXXX of the FCRA. I have been a victim of Identity theft and the following entries on my credit report are fraudulent. Account name and 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
In XX/XX/XXXX, I entered into a service agreement with XXXX XXXX XXXX, which included a " Lifetime Smile Guarantee '' and the fulfillment of a customized aligner treatment plan. However, just XXXX months later, in XX/XX/XXXX, XXXX XXXX XXXX filed for Chapter XXXX bankruptcy and ceased operations, canceling all pending aligner orders and terminating the Lifetime Guarantee. As a result, the company failed to fulfill its side of the contract. 

On XX/XX/XXXX, I discovered that Tek Collect had reported a collection account to my credit bureaus for a debt allegedly connected to that XXXX XXXX XXXX contract. I immediately disputed the debt with the credit bureaus the same day. 

Shortly after, Tek Collect responded by mailing me a copy of what they claimed was the original contract. However, this document included signatures that are not mine and did not contain any mention of the services that XXXX XXXXXXXX originally promised, which were never delivered. No aligners were received, and no services were rendered under the canceled agreement. 

Additionally, I had submitted a debt validation request to Tek Collect through their website ( tekcollect.com ) using the " Contact Us '' portal. Despite this, they never provided legally required validation that proves the debt is valid or that they have the right to collect itparticularly in light of the fact that XXXX XXXX XXXX is no longer a functioning company. 

Furthermore, I am alarmed that Tek Collect appears to have obtained and used my Social Security number in this collection process. I did not provide my SSN to Tek Collect or to XXXX XXXX XXXX at any point, raising serious concerns about the unauthorized access and use of my personal information. 

To summarize : The alleged debt is based on a contract with a company that is now bankrupt and failed to deliver services. 
The debt was reported to my credit file on XX/XX/XXXX, and disputed the same day. 
The documentation Tek Collect mailed is not legally valid, includes forged or inaccurate signatures, and lacks the promised services. 
They have not provided proper debt validation. 
They are using my Social Security number without consent. 
I am requesting that this matter be investigated promptly for potential violations of the Fair Debt Collection Practices Act, FCRA, and relevant data privacy regulations.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma you are reporting a collection that nother reporting agency is reporting and is not mine, XXXX XXXX, nor XXXX is reporting this alleged debt that is not mine XX/XX/year> remove it at once or I will Sue you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
Synopsis : Legally grounded dispute regarding an alleged medical debt owed to : United Revenue for {$1200.00} on behalf of original creditor XXXX XXXX XXXX  This presently showing on my credit reports. I do not consent to this reporting to the credit bureaus. I demand the immediate removal. of this file to my credit reports. 

This does not qualify as a reportable " account, under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) - This landmark ruling defines the limits of what constitutes a legally reportable " account '' under the Fair Credit Reporting Act ( FCRA ). Its significance lies in establishing a critical precedent that protects consumers from having certain types of debtslike medical bills illegally reported on credit reports. 

This Debt Does Not Qualify as a Reportable " Account ''. Legally Under the Fair Credit Reporting Act ( FCRA ) 1681a ( r ) ( 4 ) an " account '' requires a continuing relationship based on a credit agreement where the creditor voluntarily extends goods services expecting deferred payment.

Medical services lack this : I never entered a credit agreement with the medical provider. I was not even informed I would have to take an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and informeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I refused to provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Services were rendered before billing ( no voluntary extension of credit ). This was a post-service billing, not a credit relationship. I didnt provide my information voluntarily on any documents. I refused to sign anything and didnt provide my SSN which means you violated my rights when you obtained it from XXXX XXXX. 

Legal Precedent Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : Medical debts are not " accounts '' under the FCRA. 

FTC XXXX XXXX ( XXXX ) : Non-credit transactions ( e.g., XXXX XXXX ) are not reportable. Reporting This Violates the FCRA. Furnishing this information violates FCRA 1681s-2 ( b ) ( duty to correct inaccuracies ) and 1681c ( permissible report purposes. ) Demand : Immediate deletion of this tradeline from all credit reports with written confirmation of deletion within 30 days.

Proof of a signed credit agreement, e.g., medical intake forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by TransUnion, adding to the issues in my existing complaint ( CFPB ID XXXX ). On XX/XX/year>, my TransUnion credit health summary reported an inaccurate 'Total XXXX XXXX XXXX of {$210.00}. My XXXX open lines of credit are XXXX and XXXX XXXX. Chime does not have a traditional credit limit. XXXX XXXX, according to XXXX themselves, has a limit of {$980.00}. Neither XXXX  supports TransUnion 's reported {$210.00} total limit. 

Based on this inaccurate limit, TransUnion calculates my credit usage at 45 %, assigning me a detrimental " C ' grade for Credit Usage. This directly impacts my creditworthiness, affecting my ability to grow my finances. This constitutes an immediate and ongoing fundamental factual inaccuracy in TransUnion 's reporting, violating FCRA requirements for accuracy and reasonable procedures. This action is a severe and reckless disregard for my consumer rights.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am filing a formal complaint against both XXXX ( the merchant ) and Affirm ( the payment platform ) regarding an undelivered order that is being falsely marked as delivered. 


Details : Order Number : XXXX Tracking Number : XXXX Merchant : XXXX XXXX : XXXX Transaction Date : XX/XX/year> Payment Method : Affirm Despite being marked as delivered, I never received the package. I contacted XXXX, and they provided a Proof of Delivery ( POD ) showing the package was delivered to a location in XXXX, IL, but not to my address. 

XXXX explicitly told me : The full shipping address does not match mine. 
Due to privacy restrictions, only the shipper ( XXXX ) or the payment provider ( Affirm ) can request the complete Proof of Delivery including the full address. 
A damage claim was also filed on the order confirming an issue with the shipment. 

I have reached out to XXXX multiple times, and they continue to redirect me to Affirm for resolution. However, Affirm has not taken steps to verify the delivery location or to resolve the dispute. 

Requested Action : I am formally requesting that Affirm obtain the full POD from XXXX, confirm whether the package was delivered to my actual address, and if not, issue a full refund and remove the charge from my account. 

If Affirm is unwilling to resolve this, I am asking for a clear explanation of why, so I can escalate further with full documentation. 

This matter has also been filed with the Consumer Financial Protection Bureau ( CFPB ), and I will pursue all available consumer protection channels until this is resolved. 

Thank you for your attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XXXX when I went to review my annual credit report I noticed that ( XXXX ) XXXX student loans were on my report. XXXX for XXXX plus and another for XXXX plus. Now the original loan was closed and transferred to XXXX XXXX. Neither of these loans are mine. I am not a student and I had a full time job during the alleged time of the loan was taken. There are also XXXX addresses along with XXXX XXXX XXXX which is not me on my report. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX Fl XXXX. When I called the company seeking the loan she mentioned they did not have my social on file and they would investigate. I also disputed all transactions on my experian account and they are under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was late on a few payments and then paid it all off. Within a reasonable time

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 2025-07-22 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:
To Whom It XXXX Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation