vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
I have been a victim of identity theft as a result they were able to cause major harm to my credit by opening credit cards, credit loans, medical care and cell phone service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these charges are making it hard for me to work and provide for my family.

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 2025-09-21 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: NC

Complaint narrative:
I have been a victim of identity theft as a result they were able to cause major harm to my credit by opening credit cards, credit loans, medical care and cell phone service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these charges are making it hard for me to work and provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I assume this will go nowhere as apparently balance chasing is legal, but somewhere in their deceptive advertising that says they'll provide you a credit card and your responsibility is on-time, regular payments it should also state that they will balance chase you - and your credit rating- into oblivion. And that they will switch reporting to another credit agency once you report their behavior with one. 

I have consistently made on-time, consistent payments over the minimum TWICE A MONTH, and Synchrony has yet again lowered my limit to just above my balance- which has again tanked my credit rating. If they don't want me as a customer, there is a more legit manner to go about it than financial and credit harassment and damage. They are the only company doing this. You, cfpb, just closed the case on the last time. Now they've done it again- but the report went to XXXX instead of XXXX XXXX who I'm sure will follow suit in tanking my score ). It's basically a choice between continuing to pay it down and get balance chased with repeated damage to my credit, wait for them to close it and damage my credit, or close it myself and damage my credit. At what point do I, as a consumer who was offered their services with no hint or knowledge of these tactics, have any protection or recourse against this?

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 2025-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, financed through Westlake Financial Services. During and after this transaction, I experienced multiple violations of federal consumer protection laws, the Truth in Lending Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Texas Deceptive Trade Practices Act. 

Key issues include : 1. Failure to disclose rescission rights under TILA ( 15 U.S.C. 1635 ).

2. Improper {$3000.00} down payment requirement, in violation of 15 U.S.C. 1605 and 1662.

3. Withholding required financial disclosures and misrepresenting the nature of the credit transaction ( 12 CFR 360.6 ( 2 ) ). 
4. High-pressure, deceptive sales tactics limiting my ability to make an informed decision.

5. Failure to provide required privacy disclosures before sharing my personal information ( 15 U.S.C. 6802 ( b ) ).

6. Failure to provide required disclosures in credit transactions ( 15 U.S.C. 1611 ).

7. Failure to respond to a UCC 9-210 accounting request. 

After the sale : On XX/XX/XXXX, I sent Westlake a debt validation request. They never responded, yet they continue to call me up to 10 times per day attempting to collect. 
On XX/XX/XXXX, I sent a rescission notice to both Westlake and the dealership demanding cancellation of the contract, refund of my down payment, and lien release. They have not complied. 
On XX/XX/XXXX, despite my rescission notice, Westlake reported this debt to TransUnion and Experian, violating 15 U.S.C. 1692g ( b ). 
Neither party has responded to my request for accounting sent on XX/XX/XXXX under UCC 9-210. 

These actions have harmed me financially, emotionally, and reputationally. Pursuant to 18USC1951 which speaks directly to the XXXX XXXX, the financial institution is interferring with commerce by still attempting to collect a debt that is now void of my obligation due to the actions of both parties and they are aware of the consquences of attempting to repossess my property despite the rescission. The unlawful collection, credit reporting, and failure to honor rescission have caused financial hardship, reputational damage, and significant emotional distress. These violations committed by each party and their willful noncompliance with federal and State laws has voided all obligation regarding this alleged debt and transaction. Westlake Financial Services and XXXX XXXX XXXX XXXX XXXX XXXX have had more than enough time to comply with my Rescission Notices, Debt Validation requests, Accounting requests, Cancellation of all contracts and security interests. They have failed to comply. ( Enclosed : Affidavits, Rescission Notices, Vehicle Purchase Agreement, Downpayment Receipt, Debt Validation Letter, Request for Accounting Letters and XXXX XXXX complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX  and Experian for failing to conduct a reasonable reinvestigation of disputed information, as required under the Fair Credit Reporting Act ( FCRA ). XXXX Account # XXXX Balance {$52.00} Charged-Off XX/XX/year>, XXXX Account # XXXX $ XXXX XXXX XX/XX/year>, XXXX  Account # XXXX-BALANCE $ XXXX XXXX, XXXX  Account # XXXX-Balance $ XXXXcharged offXXXX, XXXX  Account # XXXXBalance $ XXXX charged offXXXX, XXXX  Account # XXXX-Balance $ XXXX charged offXXXX, XXXX  Account # XXXX Balance- $ XXXXcharged offXXXX, XXXX  Account # XXXX-Balance $ XXXX Charged offXXXX, XXXX Account # XXXX $ XXXX XXXX, XXXX  Account # XXXX $ XXXX XXXX XX/XX/year>, XXXX  Account # XXXX $ XXXX XXXX, XXXX  Account # XXXX $ XXXX XXXX This account was charged off, yet continues to report monthly derogatory updates that create the false appearance of ongoing delinquency. This is a Metro 2 violation ( improper dual coding of a closed account with ongoing delinquency codes ). I filed an FTC complaint ( FTC # XXXX ) and submitted a sworn Affidavit of Unverified and Disputed Debt under penalty of perjury. Despite this, XXXX and Experian failed to correct or properly reinvestigate. Additionally, the continued furnishing of derogatory updates on a closed account constitutes an improper use of the credit reporting system, since there is no permissible purpose to continue furnishing data once the account is charged off and closed. This has caused measurable harm, including score reduction and loss of credit opportunities. 

* I have self reported this CFPB complaint which means that this complaint is written, documented by myself, XXXX XXXX. I am not affiliated with any credit repair nor have I hired a credit repair. This Complaint and everything enclosed is authorized by myself. *

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
XX/XX/year> I have no knowledge and do not owe this debt and disputing its validity. I have never entered in a contract with Nationwide for any credit and do not now who this company is, nor do I owe them any debt. They also have 2 different incorrect amounts of the debt listing which are both incorrect. To properly address this issue, I'm going to require per the FL FDCPA to : 1 ) Name and address of the original creditor. Per FL Law I am requesting the complete chain of title and exact purchase price if this specific account and not a blanket purchase price.

2 ) The amount of the alleged debt and how it was calculated if it differs from the contract purchase price.

3 ) Itemized Statement of the alleged debt how it was calculated on each month 4 ) Proof of authorization to collect the alleged debt on behalf of the creditor 5 ) Complete and full purchase agreement of alleged de
bt for review include full and complete chain of title per FL law. Florida Statute 559.715 ( Assignment of consumer debts ) 6 ) Verification of debt is within the statute of limitation ( the specific dates on when the account was originally opened ) 7 ) That the alleged debt has not already been placed incorrectly and then removed of the credit report 8 ) Name of individual within your company that purchased this debt and their specific knowledge of this account and what they know about the account and the position they hold within the company as they may be called upon in the futre interrogatories and discovery to appear. Please acknowledge if the account was purchased in bulk and robosigned and no one specifically has personal knowledge of this debt.

9 ) How notice if this debt was sent or notified to me from the original creditor Once I have the requested information, I will be able to properly address this error by your company. 


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 2025-09-21 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: CA

Complaint narrative:
I was recently informed by XXXX that my personal information has been compromised and is on the dark web due to a data breach from 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 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: IN

Complaint narrative:
I am not aware of this collection account. I am not resposible for this collection amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I requested from XXXXXXXX XXXX to validate the debt with supporting documentation and they did not respond in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
NewRez LLC ( servicer of my mortgage ) has repeatedly failed to implement my lawful request to convert my monthly mortgage into true bi-weekly payments ( 26 half-payments per year, applied upon receipt ). Despite written notices, ACH enrollment, and follow-up correspondence, NewRez continues to denied by weekly payment right and issue the same non-responsive letters. 

Violations : 1. Regulation Z ( Truth in Lending Act, 12 CFR 1026.36 ( c ) ( 1 ) ( i ) - ( ii ) ) : Servicers must credit payments as of the date received. If partial payments are placed in suspense, once they equal a full periodic payment, the servicer must apply them retroactively to the original dates of receipt. NewRez instead holds first bi-weekly installments and only credits as of the second draft, stripping me of lawful interest savings.

2. TILA 129G ( a ), 15 U.S.C. 1639g : Requires timely application of partial payments unless a contrary arrangement was disclosed. My Note and Deed of Trust contain no waiver of this protection.

3. RESPA Servicing Rules ( 12 CFR 1024.35 ) : I submitted a formal Notice of Error on XX/XX/year>. RESPA requires acknowledgment within 5 business days and resolution within 30. NewRez requested more time without providing a new deadline, then repeated the same form letter.

4XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) prohibit servicers from withholding the interest-saving effect of early payments. 
Harm : Each delay denies me the benefit of accelerated principal reduction and reduces the financial advantage of bi-weekly amortization. It also exposes me to confusion over suspense account handling and possible misapplication of additional principal drafts.

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 2025-09-21 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: IL

Complaint narrative:
Statement of Pertinent Facts Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following collection accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX * * * *, Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX * * * *, Balance : {$490.00}, Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Collection Agency : XXXX XXXX XXXX ) Account # : XXXX * * * *, Balance : {$1500.00}, Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my credit reports. 

Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX, Listed as Sales Financing ( Experian Report ) XXXX Inquiry Date : XX/XX/XXXX, Listed as Banking/Credit ( Experian Report ) Old Addresses to Be Removed 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 I do not recognize the aforementioned accounts, collections, addresses, or inquiries as reported. The accounts, collections, addresses, and inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ FTC Case Number ] ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, inquiries, and addresses 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 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports, I noticed a cell phone account that I am not familiar with. This account is being reported by XXXX XXXX XXXX with XXXX XXXX XXXX listed as the original creditor. I have never opened or authorized this account. 

I have requested validation of this debt from the credit reporting agencies and the debt collector ; however, the required documentation has not been provided. Due to my information being compromised, I believe this account may be fraudulent and the result of identity theft. 

As such, I have submitted this FTC complaint disputing the account and requesting a full investigation. Please find attached a copy of my ID, this FTC complaint, the XXXX report showing my information being exposed in a national data breach.

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 2025-09-21 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 have been a victim of identity theft as a result they were able to cause major harm to my credit by opening credit cards, credit loans, medical care and cell phone service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these charges are making it hard for me to work and provide for my family.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Under FCRA XXXX XXXX Request to Block Fraudulent Accounts Dear TransUnion Dispute Department, I am writing to formally dispute several fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft, likely stemming from a data breach that compromised my personal information. These accounts were not opened or authorized by me. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that TransUnion block these fraudulent items from my credit report within the required four ( 4 ) business days upon receipt of this request and supporting documentation. 



Disputed Items Due to Identity Theft : XXXX. XXXX {$17000.00} XXXX. XXXX {$22000.00} XXXX. XXXX XXXX XXXX  {$1600.00} XXXX. XXXX XXXX {$1100.00} XXXX. XXXX & XXXX {$1600.00} XXXX. XXXX XXXX XXXX {$1400.00} I did not apply for, authorize, or open any of these accounts. I affirm under penalty of perjury that these items are the result of identity theft.

Enclosed Documentation ( per FCRA Section 605B ) : 1. A copy of my government-issued photo ID 2. A copy of a utility bill or other proof of current address 3. A copy of the Identity Theft Report, including : An FTC Identity Theft Affidavit and/or a police report 4. A signed written statement affirming that the disputed information was the result of identity theft and was not initiated by me Requested Action : Please block the above fraudulent items from my credit report in accordance with the FCRA. Once the block has been applied, please send me written confirmation. If any part of this request is denied, please provide a written explanation as required by law. 

Thank you for your prompt attention to this matter. If further information is needed, I am happy to assist. 

Sincerely, 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 2025-09-21 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:
I am writing to formally dispute the collection account referenced above. I am a victim of identity theft and this debt does not belong to me.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), all information reported about a consumer must be 100 % accurate. If the information can not be verified with complete accuracy, it must be deleted immediately. 
If you fail to comply with these federal deadlines, I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and State Attorney General, and I will pursue civil litigation for damages under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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:
I am writing to formally dispute the collection account referenced above. I am a victim of identity theft and this debt does not belong to me.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), all information reported about a consumer must be 100 % accurate. If the information can not be verified with complete accuracy, it must be deleted immediately. 
If you fail to comply with these federal deadlines, I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and State Attorney General, and I will pursue civil litigation for damages under the FCRA and FDCPA.

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