vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

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

1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: SC

Complaint narrative:
Summary of Events Regarding XXXX XXXX XXXX and Subsequent Debt Collection I entered into a treatment agreement with XXXX XXXX XXXX in XX/XX/year> for remote dental aligners. Despite following all instructions, returning multiple impression kits, and repeatedly communicating fitment issues, the company never delivered a proper or complete treatment. In XX/XX/year>, XXXX XXXX XXXX filed for bankruptcy and ceased operations, leaving my treatment incomplete and communication channels shut down. 

Following their bankruptcy, XXXX XXXX XXXX ( XXXX ) who had been managing the payment plantook over the debt. I disputed the charges multiple times with XXXX, requesting documentation confirming that I still owed the debt and asking for proof of services rendered. I never received any validation or supporting documents from XXXX. Despite this, I continued to pay them under protest while pursuing the dispute. 

Ultimately, I filed a chargeback with my credit card company for fraud due to non-delivery of services as promised in the contract. My credit card company ruled in my favor after reviewing the documentation. 

I also filed multiple refund requests with XXXX XXXX XXXX and XXXX, none of which received any response. 

XXXX never addressed or responded to the formal disputes I filed through my bank. Instead, they continued to contact me directly for payment. Eventually, they transferred the alleged debt to TekCollect, a collections agency.

TekCollect sent only one email regarding the debt. When I contacted them, they statedvia phonethat I could not dispute the debt and threatened that if I didnt pay, it would be reported to credit bureaus, negatively impacting my credit. 

I have since sent a formal dispute letter to TekCollect ( attached ), again requesting full debt validation and that all collection activity cease. They have not responded. 

At this point, I am requesting legal support to ensure the following : Cancellation of all collection efforts by XXXX XXXX XXXX and TekCollect.

Prevention of any credit reporting related to this illegitimate debt. 
Validation of my right to dispute the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am prepared to provide all supporting documentation, including emails, tracking confirmations, dispute records, and communications with all involved parties. 

Thank you for your time and assistance.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, Subject : Request for Removal of Unauthorized Hard Inquiries I am writing to dispute and request the removal of several hard inquiries currently appearing on my credit report. I did not authorize these inquiries, nor was I notified of them in advance. Under the Fair Credit Reporting Act ( FCRA ), any hard inquiry must have a permissible purpose and my explicit consent. I do not recall giving such consent to the companies listed below. 

Please investigate the following inquiries and provide documentation proving that I authorized them. If such proof can not be provided, I request immediate removal of these entries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please complete your investigation within the XXXX timeframe allowed under the FCRA and send me written confirmation XXXX your findings and actions taken. 

Thank you for your attention to 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 2025-06-26 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: LA

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts are being reported with inaccurate, incomplete, and unverifiable information. These include charge-offs, collections, and late payments that violate federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1666b and 1681, and XXXX XXXX XXXXompliance standards. These accounts remain on my credit report despite formal disputes submitted to both Experian and Equifax. 

Despite my formal disputes, the following accounts continue to appear on my credit reports with severe violations : XXXX XXXX XXXX XXXX ( Charge-Off {$42.00} ) Continues to report past due and charged off simultaneously. Violates FCRA 1681e ( b ), XXXX XXXX ( no double derogatory reporting ), and 15 USC 1666b. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Charge-Off {$320.00} ) Reports active past due balances after charge-off. The DOFD ( Date of First Delinquency ) is misrepresented. Violates FCRA 623 ( a ) ( 5 ), 1681s-2 ( b ), XXXX XXXX XXXX and 1637 ( b ). 
XXXX XXXX XXXX  ( Charge-Offs {$1100.00} and {$510.00} ) Reports balances monthly after charge-off and closed status. Continues to reflect inaccurate payment history. These are in violation of XXXX XXXX, FCRA 1681e ( b ), and 1666. 
XXXX XXXX XXXX ( Collection {$1100.00} ) No validation has been provided, and the original creditor ( XXXX XXXX ) has not confirmed any documentation. Reporting is inaccurate and lacks dispute coding required by XXXX XXXX ( XB status ). Violates FCRA 1681g, 1681s-2 ( a ) ( 1 ) ( A ), and FDCPA 809 ( 15 USC 1692g ). 
Late Payments ( XXXX XXXX XXXX XXXX XXXX ) Late payments are listed on closed and charged-off accounts, which is not permitted under XXXX XXXX reporting standards. These inaccuracies misrepresent my payment behavior and are in direct violation of FCRA 623 ( a ) ( 1 ) ( A ), 1681i, and XXXX XXXX compliance codes. 
I have requested investigations under FCRA 1681i ( a ) and method of verification under 611 ( a ) ( 7 ), but the bureaus have failed to provide a lawful, sufficient response or documentation validating these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered a derogatory collection account listed by XXXX, with the original creditor identified as XXXX / XXXX XXXX. The account reports a balance of {$760.00}, with an open date of XX/XX/XXXX and a last reported date of XX/XX/XXXX. 

I am disputing this account for the following reasons : I do not recognize this account and have never opened or used a XXXXXXXX XXXX XXXX issued by XXXX XXXX. 

I have never been contacted about this alleged debt by XXXX XXXX or any collector prior to it being reported. 

There has been no written validation or notice of collection activity, which I understand is required under the Fair Debt Collection Practices Act ( FDCPA ) before such a debt can be reported to the credit bureaus. 

The account is marked as consumer disputed, yet no resolution or supporting documentation has ever been provided to me. 

The presence of this account is unjustly damaging my credit and may be the result of a reporting error, fraudulent account, or misattributed debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the alleged debt you claim I owe. This request is made under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c ( c ), which provides consumers the right to request that a debt collector stop contacting them. 
Please consider this letter your official notice to stop all communications with me, except as allowed under the law to inform me of one of the following : XXXX. That your collection efforts are being terminated ; XXXX. That you may invoke specified remedies which are ordinarily invoked by debt collectors ; or XXXX. That you intend to invoke a specified remedy. 
I am aware of my rights under the FDCPA, and I ask that you honor this request immediately. Any further communication from your agency, except as allowed by law, will be considered a violation of the FDCPA and may be reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been reaching out again TRANSUNION to the following accounts below for several times and talked to them about the issues with my account as reported by the TRANSUNION. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the account still reporting inaccurately. I am not sure how the TRANSUNION came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments. I still also see these unauthorized inquiries reflected in my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, Equifax, XXXX XXXX, XXXX XXXX and multiple other companies have private information many times over on their websites and in their records without my consent. These companies have severely damaged my credit using my stolen private information. None of these companies have a contract, the original contract of these quazi debts, nor my consent. They have no authority or right to damage my credit score or attempt to retrieve money from me for debts their not party to or the holder in due course giving them standing for their actions. I do not consent through acquiescence nor do I joinder. I am the attorney in fact of the account they fraudulently levied claims against. Not one of those corporations can rebutt any claim I have made or support a single " debt '' they unlawfully list on their books in a court of law. If they can provide a validated debt report and a true bill I will happily pay otherwise their involved in securities fraud, trust fraud, extortion, cohesion, conspiracy, deprivation of rights under the color of law, TILA, XXXX  privacy act, SEC regulations, and more. My reports should be removed immediately from their records and websites and corrected accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IA

Complaint narrative:
My auto payments didn't go through for 7 months, I take full accountability for not opening my mail but I thought they were my normal receipts for like all my other bills. They told me to cancel my auto pay and then ressign up for it and then that should be fine there you have a bug with their system that they can not fix on the autopay. Now my last two payments have not gone through and it's been affecting my credit score extremely bad. Who knows how many other people this is happening too.

Company response to consumer: Closed with explanation