vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
On XX/XX/XXXX, I formally disputed a debt with TekCollect, which was originally from XXXX ( XXXX ) and transferred from XXXX XXXX XXXX ( XXXX ). Despite my dispute, TekCollect has continued to demand payment without properly validating the debt, violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ). 

Background : I signed a contract with XXXX on XX/XX/XXXX, for clear aligner treatment. In XX/XX/XXXX, XXXX went bankrupt and shut down, leaving many customers without full treatment completion, refinements, or follow-ups. 
Debt Dispute : I disputed the debt because XXXX failed to fulfill its contractual obligations, meaning I should not be liable for continued payments. 
TekCollects Actions : Despite my formal dispute, TekCollect continues to send emails requesting payment without providing proper validation, which is legally required before further collection attempts. 

Requested Resolution : I am requesting that TekCollect cease collection efforts and provide written confirmation that this debt is invalid due to XXXX contractual failure. If they claim the debt is valid, they must provide a detailed, itemized statement of charges and proof that TekCollect has the legal right to collect. 
TekCollects failure to validate the debt while continuing collection attempts violates FDCPA protections. I am requesting CFPB intervention to stop further collection attempts and ensure compliance with federal consumer protection laws.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
REGIONAL KILLER XXXX XXXX  REPEATED  INDUCE FRAUD AND CRIMINAL USE OF XXXX XXXX XXXX XXXX XXXX) AND XXXX XXXX  FOR HIS DEADLY AND UNREGULATED FINANCIAL ASSASSINATION XXXX  VIA INCOME XXXX  AND ORGANIZED FRAUD IDENTITY THEFT  IN XXXX XXXX, OVER XXXX  YEARS,   GOOD STANDING  XXXX  AND XXXX  CHECKING ACCOUNTS,  FOR ADDITIONAL XXXX  THEFT OF PENSION MONEY AND FOR  HIS XXXX  TRAFFICKING PRECURSOR  FINANCIAL XXXX CRIMES FOR EASY XXXX  TRAFFICKING PREY CREATION.  PLEASE SEE HIS ATTACHED  XXXX  INDUCED FRAUD AND IDENTITY THEFT CRIMES VIA A SPELL CASTING DEFECTIVE PAYROLL PENSION TITLE CURSE CREATING A XXXX OVERDRAFT  IN MY OVER XXXX  YEAR, NEVER HAD OVERDRAFT,  GOOD STANDING CHECKING ACCOUNT.  XXXX  TRAFFICKER XXXX XXXX ADDITIONALLY,  USED A XXXX GHOST TO  CRIMINALLY TRANSFER A XXXX UNAUTHORIZED OVERDRAFT FROM MY AFCU CHECKING ACCOUNT TO XXXX WITH AN ENDING  BALANCE OF XXXX  , UNDER A WITCHCRAFT PHENOMENON.  AFTER CREATING THE XXXX UNAUTHORIZED OVERDRAFT,  IT WAS LAWLESSLY PLACED IN , XXXX  AND  THE XXXX WAS MISSING FROM THE XXXX  BALANCE.  THEREAFTER, THE XXXX  UNAUTHORIZED OVERDATED XXXX WAS CRIMINALLY PLACED IN A XXXX XXXXT RESCINDED/CLOSED ACCOUNT, AS WITCHCRAFT, CRIMINALLY ATTEMPTING TO USURP POWER OVER MY NOTICE OF RESCISSION SENT TO XXXX XXXX SYNCHRONY BANK, EFFECTIVE XXXX XXXX XXXX, DUE TO REGIONAL  KILLER AND XXXX XXXX UNWARRANTED AND MALICIOUS INDUCED XXXX., POSTED AT: 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
I have had a credit account with Seventh Avenue and all of their sister companies several year and they have always been in continuous good standing all along. I tried to change the due date because it was in the later part of the month, because Im on a fixed income that comes on the 3rd, I like all my bills paid at one time..because of a memory issue due to an accident.. I will forget them if theyre spread out throughout the month. It just works better for me. This turned out to be a real problem and my account fell behind a few days but I caught it up. XXXX was going fine, then they started canceling all my orders and I noticed I did not have availability anymore. So I called and they explained to me that they run my credit every so often and because I have other defaults with other creditors, they can no longer provide me with credit. My husband was killed in 2019 and left me with a mess, but these accounts stayed in good standing. I explained this to them in tears but they stood their ground. They ruined my grandsons XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-12 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi is a scam. I did a mobile deposit for a check so that I could put it in my savings account. XXXX hours later I received an email saying my account was restricted. I called and was told that not only was my account was restricted, but pending closure. No one could tell me anything. I asked why it was being closed, the answer wasviolation of terms and conditions. I asked what part of that was violated and they couldnt tell me. Ive called 3 times because they said once the money cleared they would send it to an external bank or via check. I called today as the money allegedly cleared and asked for it to be sent via external bank they told me it wasnt an option. I asked for a manager or supervisor, they had none available. I told them that doesnt make sense for not one supervisor or manager to be around. For a Fraud department they dont know anything. When asking for a timeline, I dont know. They sure know how to hold your money. I never had an issue with this bank because I used the account for small things. I thought that when fraudulent activity occurs that youre supposed to be notified and asked about it as opposed to immediate action for the account to be closed. The people who work for this company are by far the worst and have no answers for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: NV

Complaint narrative:
I have no knowledge of this debt from Jefferson Capital system LLC in the amount of {$970.00} & my name is totally incorrect on this debt & it doesn't belong to me. I would like for this debt to be removed from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I m a victim of the data breach with the bureaus, I need this moved off of my credit I never opened these accts

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving the account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and appropriate redress is sought for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-12 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. It also breaches the contract/agreement between myself and XXXX about my loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-12 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
A check was issued to me from cpfb for XXXX XXXX to my old address XXXX XXXX XXXX XXXX XXXX Indiana XXXX I have lived there in over XXXX years I've emailed you all to reissue my check with my correct information and no one is responding my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I have many charges I did not make on the credit card and called Citi Card fraud department. Many of the charges are in dispute with the exception of XXXX XXXX XXXX  charges. I called the fraud department 10 times since XX/XX/year> trying to get this resolved without success. Ever time I get the same answer we will get this taken care of. Nothing has changed.

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 monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FILED FRAUD DISPUTE WITH BANK OF AMERICA FOR A TOTAL CLAIMS OF {$66000.00} AND ALL CLAIMS WERE DENIED EVEN THOUGH IT REFLECTING IN MY ACCOUNT. 

CALIM ID XXXX XXXX XXXX CALIM ID XXXX : XXXX CALIM ID XXXX : XXXX BANK OF AMERICA HAS REFUSED TO PAY BACK MY MONEY. I'VE CALLED MULTIPLE TIMES. THEY WERE ABLE REFUND ONLY {$2900.00} ON XX/XX/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 monetary relief