vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an alleged debt that TekCollect has placed in collections under my name, which they claim originated from XXXX ( XXXX ). 

XXXX filed for Chapter XXXX bankruptcy on XX/XX/XXXX, and officially shut down on XX/XX/XXXX. The case was converted XXXX Chapter XXXX proceedings on XX/XX/XXXX, in the United States Bankruptcy XXXX for XXXX XXXX XXXX XXXX Texas, Case No. XXXX ( XXXX ). 

I signed up with XXXX on XX/XX/XXXX. The aligners I received werent fit properly, and all customer support channels, including the app, were already shut down. I was unable XXXX continue treatment, follow up with doctors, or maintain the treatment schedule as promised. The contract did not stay in effect, and XXXX did not uphold the Lifetime Smile Guarantee or the promise XXXX provide ongoing support for the treatment. 

Please see the email below dated XX/XX/XXXX, which stated that my aligners would take XXXX weeks XXXX arrive. This demonstrates that when I received the aligners, I was still within the XXXX window eligible for a refund under XXXX XXXX before the company shut down on XX/XX/XXXX. 

I paid through XXXX and opened a dispute. XXXX could not reach the company and resolved the claim in my favor, confirming that the debt was invalid. 
Despite this, TekCollect is attempting to collect on the debt. I have requested validation of the debt, proof of their legal right XXXX collect it, and confirmation that it was not XXXX in XXXX XXXXankruptcy. They have not provided proper validation and continue collection and credit reporting.

This appears to violate the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. I respectfully request that the CFPB investigate this matter. 

Thank you for your assistance. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-03 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: AL

Complaint narrative:
Send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove these unverifiable inquires from my credit report. XXXX XXXX XXXX, Inquiry Date : XX/XX/year>, XXXX XXXX, Inquiry Date : XXXX XXXX, XXXX XXXX, Inquiry Date : XXXX XXXX, XXXX XXXX XXXX, Inquiry Date : XXXX XXXX, XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. In addition, I didn't give you permission ( Equifax ) to furnish this information onto my credit report which is a violation of Credit Reporting Act Section 1682 ( b ) c which constitutes fraudulent activity and is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  & XXXXXXXX XXXX XXXX XXXXXXXXwere opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I submitted a Purchase Protection claim with Amex Assurance Company in XX/XX/2025, but the company has been dragging out the process unnecessarily and inconsistently. 

I have been approved for claims in the past, and the process never required additional forms such as address information or model information ( which does not exist for many types of products ). 

In this case, the reviews have been inconsistent and appear to be stalling. For example : After taking the maximum 21 days, I was told to fill out the form fully, despite having already submitted the required documentation. 

Later, I was asked for a screenshot showing the items were not returned to XXXX. I had already included this proof in my initial submission, which clearly displayed the Return window closed message. 

This has caused significant delay and frustration. I believe Amex Assurance Company is not reviewing my claim properly, is applying inconsistent standards, and is engaging in stall tactics rather than providing fair and timely resolution.

I request that the CFPB ensure Amex Assurance Company promptly and fairly reviews my claim in
accordance with the Purchase Protection policy terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00}

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to contact all 3 bureaus to dispute a lot of false information but got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Albert Corporation
State: IL

Complaint narrative:
Issue : Account closure refusal & ACH authorization revocation ignored Details : I requested to close my Albert XXXX XXXX XXXX ( Albert ) account and to revoke their ACH authorization. Albert is refusing to close my account unless I repay an Instant Advance balance. However, Alberts own terms state that the Instant Advance is a non-recourse advance, meaning repayment is optional and can not be legally required. 

Albert responded that they will only deactivate my account but not close it because of the unpaid balance. They are effectively using closure as leverage to force repayment of a non-recourse advance, which contradicts their terms and misleads consumers. 

Additionally, I revoked ACH authorization, but Albert has refused to acknowledge that request. Under Regulation E ( Electronic Fund Transfer Act ), I have the right to revoke ACH authorization at any time, and companies must honor that. 

I believe Alberts refusal to close my account unless I repay is an unfair or deceptive practice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-09-03 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX a fraudulent transaction was made using my authorized users account ( XXXX XXXX ). The charge was from XXXX XXXX in the amount of {$480.00}. Neither my authorized user nor I authorized this transaction. We also did not receive any goods or services from this merchant. 

I immediately contacted GS Bank/Apple Card to report the fraudulent transaction. Since then, GS Bank has twice closed this dispute without resolving. I asked that they obtain proof from the merchant that the transaction was legitimate, such as the address where the items were sent. They have not provide me with any proof. Instead, I just receive perfunctory responses closing the case or repeating the same thing over and over. 

One thing that GS Bank keeps stating is that since this transaction was apparently conducted on an XXXX, it must be legitimate. I reiterate that we did not make or authorize this transaction, nor did we receive any goods or services. 

Twice, GS Bank has removed this charge from my account, and twice they have reinstated the charge. They have not provided any evidence of the legitimacy of the charge when doing so, despite my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Subject : Dispute of Credit Report Entry for Account # XXXX Request for Investigation Under FCRA and FDCPA To Whom It May Concern, I am writing to dispute the accuracy of the information reported to the credit bureaus regarding my closed XXXX XXXX account ( Account Number : XXXX ), opened XX/XX/year>. This account is currently listed with charge-offs, late payments, and a substantial past due balance. I believe this information may be incomplete, inaccurate, or unverifiable, and I am exercising my rights under federal law to request correction. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. Upon receipt of this dispute, you are required to conduct a reasonable investigation and respond to my request within 30 days. If the information can not be verified, it must be corrected or removed according to FCRA 1681i. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., if XXXX XXXX or any collection agency is reporting or attempting to collect this debt, I request proper documentation to validate the debt and all amounts reported, including the charge-off and past due balances. Failure to provide such validation may constitute a violation of the FDCPA. 
Specifically, I dispute : The accuracy of the reported charge-off and past due amounts Any late payment notations for periods when the account was not past due or when payments were timely The current status of the account as closed at the credit grantors request Please provide : ( 1 ) documentation supporting the reported delinquencies and charge-off status, ( 2 ) results of your investigation, and ( 3 ) prompt correction or removal of any unverifiable or inaccurate information. If you can not provide documentation or verification, you are required by law to correct or delete the information. 
Enclosed are copies of my credit report highlighting the disputed account, proof of my identity, and any supporting documents. Please confirm receipt of this letter and advise me of the results of your investigation in writing. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX Enclosures : Credit report excerpt Proof of identity

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 2025-09-03 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: CA

Complaint narrative:
I tried to contact all 3 bureaus to dispute a lot of false information but got nowhere.

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 2025-09-03 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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