vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MI

Complaint narrative:
In XXXX of 2023, I pursued treatment with XXXX XXXX XXXX and XXXX XXXX XXXX. Before they filed for Chapter XXXX bankruptcy in XX/XX/year>, I had issues with pain and bleeding gums due to their aligners. It was difficult to make contact with anyone at this company to report dissatisfaction and I was not comfortable continuing the plan and risking my dental health. When they announced they had filed for bankruptcy and would discontinue their already subpar customer support, I decided not to continue paying for treatment that was never rendered and support that was never received. I knew if I continued and true harm was done to my teeth, they would not be held financially responsible. 
XXXX XXXX XXXX did not fulfill their contractual obligations and breached the contract " Lifetime Smile Guarantee '' and yet their financing partner XXXX XXXX XXXX still demanded payment. Now, it has all been moved to TekCollect, a debt collection company who has stained my credit report. TekCollect insists I owe {$940.00} to them though they have provided no documentation behind this. 
Funnily enough, if I log into XXXX XXXX XXXX, they still allow the opportunity for me to pay {$620.00} and even state that my account is current. These companies are all so crooked and I know I am not alone in this as I have read countless consumer experiences mirroring my own. I have serious doubt regarding the debt amount as there is no clear information provided. 

Tekcollect is negatively impacting my credit years after XXXX 's dangerous service almost ruined my teeth. I am requesting XXXX assistance to have this collection account removed immediately and to stop further collection activity on a debt I do not owe due to bankruptcy, contract breach, and service shut down.

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 2025-06-07 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: TX

Complaint narrative:
There are inacuracies on the. XXXX account. Must be cirrected and delete cease to report on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
There are inacuracies on the. XXXX account. Must be cirrected and delete cease to report on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Year of Birth : XXXX Complaint Details : I am filing this complaint because Experian is reporting inaccurate and unfair negative information on my credit report regarding the following account : - Creditor Name : XXXX XXXX XXXX - Account Number : XXXX [ XXXX XXXX XXXX ] - Account Type : Secured Card - Date Opened : XX/XX/XXXX - Current Status : XXXX, XXXX - XXXX Payment History : XXXX late payment reported in XX/XX/XXXX This account has been fully paid and closed, and the reported late payment does not accurately reflect my overall payment behavior or intent. This derogatory mark is unjustified and does not provide a complete or fair representation of my creditworthiness. I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which requires the credit bureau to remove unverifiable or inaccurate information. 
I submitted a formal dispute directly to XXXX  and included valid identification and proof of address. I have requested that XXXX  conduct a full investigation and remove the late payment if it can not be verified with original documentation from the creditor. Despite this, the information remains on my report. 
I am now requesting CFPBs assistance in ensuring that XXXX  complies with federal law by removing this unjustified derogatory remark from my credit file. This situation is impacting my financial well-being and access to fair credit opportunities. 

Requested Resolution : Immediate deletion of the 30-day late payment reported in XX/XX/XXXX on the XXXX XXXX  XXXX account from my XXXX  credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My issus I'm trying to resolve in With Pay Pal and XXXX XXXX. I recently tried to buy a buy a truck from XXXX in XXXX, XXXX XXXX. I went to pay for it throught Pay Pal and there person finder auto generated the wrong Email address for the intened rescepent. 

I asked them to place a stop payment by phone and direct messaging several times. No one knew how to do that. Now {$5200.00} went to someone we don't know any where in internet net land. I filed a disput with Paly Pal there system auto generated the wrong Email for the Car dealer and Phone number. information like that should be manually entered.and denied if it dose not match the intened recipents information on file. 
They wiped my accounts and the dealer got nothing. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiry Under 15 U.S.C. 1681b Dear [ XXXX XXXX XXXX XXXX XXXX  ], I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. According to this statute, a consumer reporting agency may only furnish a consumer report under certain permissible purposes one of which includes express written consent from the consumer for credit or insurance transactions not initiated by the consumer.

The inquiry listed below was not authorized by me, and I never provided written consent for this party to access or obtain my credit file : Name of Inquiring Company : XXXX XXXX  Date of Inquiry : XX/XX/year> As per 15 U.S.C. 1681b ( c ) ( 1 ) ( A ), a consumer reporting agency may not furnish a consumer report in connection with a credit transaction not initiated by the consumer unless the consumer has authorized the agency to make such a report in writing. I have never provided such authorization. 

I am formally requesting the immediate deletion of this inquiry from my credit report. If you can not provide documented proof that I gave written authorization for this inquiry, it must be removed in compliance with federal law. 

Please provide me with a written response regarding the results of your investigation within the required 30-day timeframe, as outlined under 15 U.S.C. 1681i ( a ). I have also enclosed a copy of my government issued ID and mailing to verify my identity Thank you for your prompt attention to this legal matter. 

Sincerely, 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 2025-06-07 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: AL

Complaint narrative:
XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Against XXXX XXXX  - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their improper handling of my credit report information and subsequent failure to resolve a disputed error in my account records-a matter that has adversely affected my financial wellbeing. 
On XX/XX/year>, This error was not only unexpected, but it also led to a significant drop in my credit score, directly impacting my recent mortgage application. I immediately contacted XXXX XXXX to dispute the inaccuracy. Over the following days, I made repeated attempts-via phone, email, and letters-to have this error corrected. Unfortunately, despite multiple follow-ups, the company has not resolved the issue. 
I believe that XXXX ' actions represent a violation of several federal consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and fair reporting of consumer information.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The repeated, unaddressed contact regarding an error that I disputed has added undue stress and could be viewed as harassment in line with FDCPA guidelines.

- Consumer Financial Protection Act ( Title X of Dodd-Frank ), 12 U.S.C. 5481 et seq.

The deceptive practices by XXXX XXXX XXXX, including their failure to promptly and clearly correct this error, amount to an unfair and abusive practice under UDAAP provisions.

Attached are copies of my correspondence with XXXX XXXX. 
I respectfully request that the CFPB investigate this matter and assist me in obtaining a fair resolution. I hope that through your intervention, XXXX  XXXX will be held accountable for ensuring compliance with all relevant federal laws protecting consumer rights. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
I don't recognize the following addresses. PLease remove them from my report. 

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 XXXXXXXX Thank you!

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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
What would be a fair resolution to this issue? 
That Portfolio Recovery Associates , LLC : 1. Delete the {$1500.00} account from all credit reports ( XXXX XXXX XXXX ). 


2. Stop all collection efforts related to this account.

3. Provide written confirmation that they will no longer contact me or report this account again.

4. Correct all naming inconsistencies to avoid confusion and future reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a bankruptcy being reported on my credit report that is inaccurate. I reached out to the bankruptcy court and was informed they do not report bankruptcies to the credit bureaus. Therefore, the information is being reported without proper verification and must be removed under FCRA law.

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 2025-06-07 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: GA

Complaint narrative:
There is a bankruptcy being reported on my credit report that is inaccurate. I reached out to the bankruptcy court and was informed they do not report bankruptcies to the credit bureaus. Therefore, the information is being reported without proper verification and must be removed under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
On XXXX of XXXX I deposited a check that was endorsed to me by my wife via a mobile app. The transaction was accepted, it was worth XXXX XXXX However on the next day I saw my account balance was XXXX XXXX I thought my check was not accepted. 
Later, on my bank statement for XXXX it was showed that the check was accepted and that my balance is XXXX XXXX The same balance appeared on my statement for XXXX. 
More than two months have passed and I still did not receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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 filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX regarding the sudden and unexplained closure of my merchant account. My account has always been in good standing with no issues, disputes, chargebacks, or complaints from customers. I have conducted my business professionally and responsibly, adhering to all terms and policies set by XXXX. Despite this, XXXX abruptly closed my account without providing any clear reason or opportunity for appeal. I have reached out to their support team multiple times, but I have not received any explanation or meaningful assistance. The lack of transparency and communication has been extremely frustrating and has negatively impacted my business operations. As a small business owner, I rely on access to reliable payment processing. The unexplained termination of my account has caused significant disruptions, and I believe I deserve a clear explanation and a fair review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

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