vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am disputing a {$1400.00} debt ( Account XXXX. XXXX ) that TEK-COLLECT is attempting to collect on behalf of XXXX ( XXXX ). The alleged contract, dated XX/XX/XXXX, contains a signature that is not mine. It appears to be either forged or a digitally generated signature I never authorized. It does not match my legal signature as shown on my U.S. passport ( attached ).

The contract lacks any language indicating that I consented to the use of electronic signatures, thereby violating the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ) and the Uniform Electronic Transactions Act ( UETA ). Furthermore, an unsigned addendum claiming to alter payment terms was issued without my knowledge or written approval a direct violation of the contracts own modification clause. 

The document also lacks a required Florida XXXX XXXX XXXX certificate, potentially rendering it unenforceable under Florida XXXX XXXX. According to Florida law, failure to affix the required stamp tax may prohibit the enforcement of the contract.

I never received orthodontic treatment. I was not evaluated by a licensed provider, received no diagnosis, no aligners, and never communicated with a dentist or orthodontist. My teeth remain untreated and visibly crooked ( photo attached, timestamped XX/XX/XXXX ). 

XXXX filed for Chapter XXXX bankruptcy in XXXX and ceased operations. According to the New York Attorney XXXX XXXX settlement, debts from consumers who did not receive services were deemed void and subject to cancellation. Additionally, the XXXX Attorney XXXX XXXX lawsuit against XXXX cited systemic failures to provide medically supervised care. 

The contract lists a total balance of {$2500.00}, yet TEK-COLLECT is seeking {$1400.00} an unexplained and inconsistent amount. This debt was referred to TEK-COLLECT by XXXX XXXX XXXX XXXX XXXX ), a third-party payment processor that, by the contracts own terms, is not a lender or creditor and had no legal authority to assign this debt, violating FDCPA 1692e.

TEK-COLLECT never provided me with a written validation notice within five days of initial contact, violating FDCPA 1692g. They are actively reporting this debt to credit bureaus, incorrectly classifying it as a health club account, which constitutes further misrepresentation under FDCPA 1692e and the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ).

Their conduct also violates the Florida Consumer Collection Practices Act ( FCCPA 559.72 ( 9 ) ), and may constitute a breach of the Colorado Fair Debt Collection Practices Act, given their listed address in XXXX, CO. 

I previously filed a CFPB complaint ( Case # XXXX ), but TEK-COLLECTs response failed to address the forgery or the complete absence of treatment, which has led me to escalate and refile this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
XX/XX/year> : TransUnion failed by law to provide verification of two accounts on my credit report in error. The reinvestigate said two accounts were verified and did not provide any documentation to prove it. XXXX XXXX XXXX XXXX. and XXXX XXXX ) XXXX has deleted the same XXXX accounts, XXXX XXXX XXXX XXXX. and XXXX XXXX ), off my credit report as of XX/XX/year>. See attached upload form from CFPB.

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 2025-04-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The company submitted to credit agencies that I did not pay the XXXXXXXX XXXX XXXX XXXXXX/XX/year> bills that were sent to me. When I contacted the company after getting a credit alert, the company noted I was in paperless billing and that the bills were sent via email. When I asked to confirm the email to which the bills were sent, the company noted they did not have any email address on file for me. Therefore, the bills were never sent. I could not pay a bill I did not receive. Therefore, reporting me as not having paid the unsent bills was inaccurate. The company confirmed the right postal address and phone number but used neither of these to contact me regarding the issue. I have had this credit card for 35 years with a perfect payment record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
There is a serious discrepancies and misleading practices by New American Funding concerning my mortgage. Most notable, they have reported a false document indicating that I was delinquent on mortgage payments. The alleged missed payment indicated as of XX/XX/XXXX ; was dated the same day as the closing of the mortgage of XX/XX/XXXX, which is entirely inaccurate. At the time of closing, I was clearly informed that my first mortgage payment would not be due until XX/XX/XXXX. Furthermore, New American Funding failed to provide full transparency regarding a second mortgage, which was not initially disclosed under the XXXX XXXX Program- a key element of the agreement. At no point throughout the process did they provide clear, accurate, or consistent information regarding the terms and conditions of the loan, particularly the down payment assistance structure. Prior to closing, two separate appraisals were conducted for the property- both after the house was already constructed on the lot. The first appraisal, completed in XX/XX/XXXX for XXXX XXXX XXXX, explicitly states that " no down payment assistance information was provided to the appraiser '' and that the appraisal was conducted for informational purposes only for the lender, not for loan closing documents. In contrasts, the second appraisal in XX/XX/XXXX includes details of down payment assistance through the Florida XXXX XXXX Program, which I believed offered grant-based down payment assistance, not a repayable second lien, and states that the appraisal was being conducted specifically for an FHA mortgage loan. Additionally, both the buyer and seller had entered a signed contract in XXXX, confirming an agreed purchase price of {$300000.00}. New American Funding failed to accurately complete the Tax information sheet and the Florida Insurance premium disclosure and settlement certification ( closing date not indicated where needed ) on the closing documents. This further substantiates the timeline and contradicts the reported claims. In conclusion, New American Funding failed to act in good faith by providing inaccurate, inconsistent, and misleading information throughout the mortgage process. Their lack of transparency, coupled with the false reporting of delinquent payments, has caused undue harm and confusion that must be rectified immediately. I have tried to resolve this matter directly with the lender, but they have not taken responsibility for the inaccurate reporting or lack of transparency. This experience has caused undue stress confusion and financial harm.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Currently my credit score dropped from XXXX to XXXX because of my inquiry and contact with your company. Companies that was included in bankruptcies and resolved, also court hearing on accounts that was closed and showing opened on my credit report was resolved and closed in the United States Courts due to insufficient. 
Experian has retaliated against me and posted creditors on my report that had been processed, closed by The United States Courts due. 

I have contacted a attorney regarding 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and unresolved information on my credit report that has caused significant hardship and inconvenience in my life. 

I have made multiple attempts to reach out to the appropriate credit reporting agencies and/or furnishers to dispute and correct these negative remarks. Despite my efforts, the information remains on my profile without proper resolution or explanation. 

This situation has directly affected my ability to secure housing, as I have been denied apartment opportunities due to these unresolved credit issues. It has not only disrupted my life but also placed me in an unfair and stressful position where I am being penalized for information that should have already been addressed or corrected. 

I am requesting immediate action to investigate and resolve this matter. If the issue is not corrected promptly, I will be forced to pursue legal action for damages caused by this ongoing negligence and failure to provide an accurate credit report as protected under the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this letter and advise me of any additional steps I XXXX need to take.

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 2025-04-06 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to 15 USC 1681 i7 method of verification. If this item is verified show me the procedure you took to verify it. Show me the business name, the business address and any information connected to the investigation that took place and if that isn't provided to me in writing within 15 days the account must be removed. XXXX XXXX  XXXX-2014 balance {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report from TransUnion and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft and am formally disputing the following accounts as fraudulent. 
I am currently in the process of purchasing my first home, and these fraudulent accounts are causing significant stress to my financial health. My wife and I are unsure of how to proceed, and this issue is impacting our ability to move forward with our home purchase. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am requesting the immediate block and removal of these fraudulent accounts from my credit file. 

Fraudulent Accounts : XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX Progressive ) Account # : XXXX XXXX XXXX Original Creditor : XXXX XXXX Credit Card ) Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX Revvi Card XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Account # : 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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
RE : Cease and Desist Unlawful Collection Practices XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX I am writing to formally demand that you immediately cease and desist all forms of communication with me, whether in person, by phone, email, text message, or by mail, regarding any alleged debt or matter associated with me. 

It has come to my attention that you or someone acting on your behalf has engaged in illegal and harassing collection practices, including but not limited to : Contacting me at my place of employment Coming to my home uninvited Making threats or attempting to intimidate Attempting to collect a debt in a manner that violates federal and/or state law These actions are a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially other applicable state consumer protection laws. 

Let this letter serve as your official notice to cease and desist all further communication with me regarding this matter. Any future contact from you or your agents including in person, by phone, email, or postal mail will be documented and reported to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General in my state. 

Failure to comply with this cease and desist request will leave me no choice but to seek legal remedies. 

You are hereby instructed to stop all attempts to contact me or to collect on any alleged debt, and you are forbidden from appearing at my home, place of employment, or contacting third parties regarding me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: PA

Complaint narrative:
I notified Experian that the information being reported on XXXX XXXX  about a XXXX account was incorrect. I provided proof from XXXX showing my account # in good standing. Even thou they are reporting a different account # they refused to remove the information. 
This was there response The account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report.

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 2025-04-07 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:
Several charges was made on this card through identity theft. 

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 2025-04-06 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: NY

Complaint narrative:
I have been trying for several months to get the company to provide me with the letter that they should have sent me 21 days before the late payment report that they have been reporting to me for almost a year.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Currently my credit score dropped from XXXX to XXXX because of my inquiry and contact with your company. Companies that was included in bankruptcies and resolved, also court hearing on accounts that was closed and showing opened on my credit report was resolved and closed in the United States Courts due to insufficient. 
Experian has retaliated against me and posted creditors on my report that had been processed, closed by The United States Courts due. 

I have contacted a attorney regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report from Equifax and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. 
My wife and I are currently in the process of purchasing our first home, and these fraudulent accounts are causing significant stress to our financial health. We are uncertain of how to proceed, and this issue is hindering our ability to move forward with our home purchase. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, I am requesting the immediate block and removal of these fraudulent accounts from my credit file. 

Fraudulent Accounts : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: MO

Complaint narrative:
I was charged {$39.00} on XX/XX/XXXX by Bright Money without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account number : XXXX This letter is sent in response to your recent communication regarding an alleged debt. Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Accordingly, I am formally requesting that you cease all further communication with me regarding the alleged debt referenced in your correspondence. I am also disputing the validity of this debt and requesting verification as provided under 15 U.S.C. 1692g ( b ). Please provide : The amount of the alleged debt ; The name of the original creditor ; Proof that I am legally obligated to pay the alleged debt ; A copy of any judgment ( if applicable ) ; Verification that your agency is authorized to collect this debt.

You are also notified that any further communication from your agency that does not fall within the narrow exceptions under the law will be considered a violation of federal law and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

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 2025-04-06 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account number : XXXX This letter is sent in response to your recent communication regarding an alleged debt. Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Accordingly, I am formally requesting that you cease all further communication with me regarding the alleged debt referenced in your correspondence. I am also disputing the validity of this debt and requesting verification as provided under 15 U.S.C. 1692g ( b ). Please provide : The amount of the alleged debt ; The name of the original creditor ; Proof that I am legally obligated to pay the alleged debt ; A copy of any judgment ( if applicable ) ; Verification that your agency is authorized to collect this debt.

You are also notified that any further communication from your agency that does not fall within the narrow exceptions under the law will be considered a violation of federal law and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Paid off credit card within 6 month period, I tried to use the card on a purchase and it was declined for insufficient funds. I was never notified of the limit decrease whether digitally or by US Postal 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