vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Received a {$500.00} prepaid Amex gift card from work. Verified that it still has {$500.00} on it, has never been used, and doesnt expire until XXXX. I have tried to use it on 3 websites ( XXXX, XXXX, and XXXX ) for a purchase of about {$400.00} - all were declined. I added it to XXXX XXXX and tried to make the purchase that way, it was also declined. I called the number on the card for assistance and was told to use it in person- not feasible for this purchase as theres no store nearby.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collectior Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request our offices provide me with competent evidence that I have any legal obligation to pay yo t this time, I will also inform you that if your offices have reported invalidated information t any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last XXXX digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union XXXX. XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request Reported Balance : {$18000.00} Status : Charged-Off Reported By : XXXX, XXXX, XXXX  To Whom It May Concern, I am writing in regard to the above-referenced account that appears on my credit report. I am requesting a full validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide all of the following information : 1. Proof that I am legally obligated to pay this debt, including a signed agreement ; 2. A complete itemized accounting of the amount claimed, including interest and fees ; 3. Details of all payments made and any balance remaining ; 4. Documentation showing your legal authority to collect this debt in Texas ; 5. If the debt has been sold or transferred, provide proof of the full chain of title.

While this request is pending, please cease all collection efforts, including phone calls, credit reporting, or legal actions. If the debt can not be validated, it must be removed from all credit reports and no further collection activity should be taken. Additionally, if this account is being reported to any credit bureaus, it must be marked as " disputed '' during the investigation. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
The account CREDENCE RESOURCE MANA with original creditor listed as XXXX is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my toddler. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my rights under 15 USC 1681b ( A2 ), 1681ae, 1692b, 1681b, 1692j, 1692d, 1692e, and 1692f. 

The account doung on my credit report o XX/XX/year> is listed below : Account name CREDENCE RESOURCE MANA Account number XXXX Original creditor XXXX Company soldXXXX Account type Collection Date openXXXX XXXX XXXX XXXX  Status Collection account. {$1600.00} past due as of XX/XX/year>. 
Status updated XXXXXXXX XXXX  Balance {$1600.00} Balance updated XX/XX/year> Original balance {$1600.00} Monthly payment- Past due amount {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: WV

Complaint narrative:
On XX/XX/year>, XXXX XXXX, Debt Collector, Williams & Fudge ( XXXX XXXX, SC ), reported to the credit bureau as " collections '' a debt that is fraudulent and I do not owe. In the past, I have orally and in writing disputed the alleged amount owed because I did not take the course offered at XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX, due to it being an in-person ONLY course. I am a XXXX XXXX  who solely took XXXX XXXX On XX/XX/year>, per XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, she held me in the " in-person '' only course due to my XXXX XXXX XXXX. Furthermore, she stated that it was better for me financially because I would owed over {$10000.00} versus the {$5000.00} ( original amount ). Currently, what has been reported to the credit bureau as the collections amount owed is {$5300.00} that accures interest daily. This has impeded upon my creditworthiness that enables me to continue obtaining students loans for my son 's higher education as he is a dependent student. Incidentally, my son attends the same institution ( XXXXXXXX XXXX XXXXXXXX XXXX and is due to return to school on XX/XX/year>. Unfortunately, even though he is registered in courses on campus he is unable to return due to the erroneous above mentioned debt marring my credit. Therefore, causing denial of Department of Education federal student loan. Regardless, I am financial obligated to pay for his courses because he is registered wether he returns to school or not. XXXX XXXX XXXXXXXX is holding his classroom space and housing for the XXXX school year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
XXXX XXXX is showing four late payments being XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. I have made multiple disputes regarding the fact that these payments were made on time according to the contract ( XXXX day of the month ), and they have verified the information as late each time when it was not.

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 2025-07-27 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: GA

Complaint narrative:
XXXX XXXX is showing four late payments being XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. I have made multiple disputes regarding the fact that these payments were made on time according to the contract ( XXXX day of the month ), and they have verified the information as late each time when it was not.

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 2025-07-27 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: GA

Complaint narrative:
XXXX XXXX is showing four late payments being XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. I have made multiple disputes regarding the fact that these payments were made on time according to the contract ( XXXX day of the month ), and they have verified the information as late each time when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi credit card. My credit rating is exceptional. They gave me a credit limit of only {$1500.00} although they require me to spend {$3500.00} in 4 months and refused to increase the limit. 
I tried to make a major purchase within the available credit limit, and it declined and locked my card. Now they refuse to do anything on my account unless I receive a letter they sent me which may take up to 10 days. They're even refusing to cancel my card. 
I need to make a major purchase urgently but can't because their card won't work and I can not apply for another card from other issuers because it may get rejected for applying too soon. 
I am in a very bad situation here and they're making it worse. 
I need help to have them fix the problem or cancel the card. This needs to happen asap, not after 10 or more days. 
Please help. 
Thank you. 

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 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account for XXXX XXXX XXXX  and there is not associated account number reported. This account is being reported inaccurately and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I was been introduced the carecredit ( synchrony financial ) at the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX they said it was an easy way to pay my debt with them and very easy to be aprove, NO INTEREST, .hassle free. So I opened the account borrowed { {$2900.00} }, They help me to dowload the CareCredit app and set up automatic monthly payments of {$79.00}. however that number decrease to {$67.00} in the following months, which was never agreed before. On XX/XX/XXXX they charge me {$950.00} and on XX/XX/XXXX they charge as automatic payment {$100.00} and even when they got the payment on time, on XX/XX/XXXX they charge Interest {$73.00}. 
When I called Carecredict they mention that my One year promotion was over and since I hadn't paid the total of my loan, they have the right to charge interest for the past year and they will continue charging me interes for every month in the future. 
No one in the Dental Office mention the One Year Promotion, or the interest that will be imposed if I didn't pay my debt in one year. They are very good at skiping important information.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I saw a shared post from a trust friend concerning someone selling items for a medical emergency. After I verfied with my friend they know the person etc I messaged them and inquired about a item. They asked me to send a deposit to secure it through XXXX which I did since my friend confirmed she knew them well. I found out today their facebook was hacked and XXXX hasnt taken down their profile since it was reported in XXXX and now I am out {$3000.00}. Please help. The money was sent Friday XXXX XXXX and Chase my bank told me it can not be reversed. XXXX also told me it was done and nothing can happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was exposed in the Equifax data breach causing my sensitive personal information to be used several times without my consent. I have noticed unauthorized accounts and inquires on my credit report that I did not authorize. As a consumer I am afforded rights under the FCRA including 1681b, 1681c and 1681i, which protect my right to privacy, accuracy and limited use of my consumer report. As a result I am requesting full investigation and immediate removal of any inaccurate entries also provide written communication that the dispute has been received. 

The accounts listed below are accounts that I did not authorize XXXX XXXXXXXX Account number XXXX {$300.00} & {$330.00} XXXX  XXXX XXXX  Account number XXXX {$370.00} XXXX  Account number XXXX {$440.00} SXXXX XXXX XXXX Account number XXXX {$100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX {$64.00} XXXX XXXX XXXX  Account number XXXX {$20000.00}

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 explanation
Consumer complaint received 2025-07-27 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: LEXISNEXIS
State: IA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX, originally submitted on XX/XX/year> against LexisNexis Risk Solutions Inc . 

My original complaint included a formal Cease and Desist demand and revocation of any past, present, or future consent to access, use, store, or share my nonpublic personal information under the FCRA, Gramm-Leach-Bliley Act, and other federal and state privacy protections. 

However, LexisNexis responded on XX/XX/year> and mischaracterized my complaint as a simple opt-out from pre-screened offers. This was not the purpose of my complaint. They ignored the core demands in my cease and desist letter and have failed to : Provide proof of permissible purpose under 15 U.S.C. 1681b Stop distributing my information to third-party data brokers and credit reporting agencies Delete my personal data from all LexisNexis products, including internal and external gateway systems Acknowledge my right to revoke authorization to use or share my nonpublic data LexisNexis continues to maintain and sell my personal data through restricted public record databases, credit-reporting pipelines, and third-party real-time gateways without my consent or a lawful purpose. They are also distributing bulk data to CRAs ( XXXX, XXXX, XXXX  ), which affects my creditworthiness and consumer privacy. 

I believe LexisNexis is in willful violation of multiple federal privacy laws, including : FCRA ( 15 U.S. Code 1681b ) Failure to demonstrate permissible purpose GLBA Unauthorized use and distribution of nonpublic personal data Consumer privacy rights under the CFPB and FTC jurisdiction I am requesting the CFPB investigate this matter further and hold LexisNexis accountable for : Continuing to share my data without consent or a valid contract Failing to validate their legal authority to access or furnish data about me Refusing to delete or limit my data as requested Misrepresenting my complaint in bad faith I am demanding that LexisNexis : Immediately delete my personal records across all systems Provide a signed affidavit of permissible purpose Cease all future distribution or reporting Be held accountable for their noncompliance Attached are the original cease and desist letter, my identification, and a copy of LexisNexiss response letter which fails to address or resolve the issues. 

Please re-open or escalate this complaint immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a fraud alert on my credit report and I have requested to get my credit reports by mail and none of the credit bureaus will actually give me my credit reports at all. I need to be able to review those due to identity theft and many loans being obtained in my name and I think it's unfair to be taken to court and be sued for something I never did

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: TX

Complaint narrative:
EdFinancial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Subject : Debt Validation Request - Account Ending in XXXX Reported Balance : {$5200.00} Status : XXXX Days Past Due Reported By : All XXXX Bureaus To Whom It May Concern, I am writing in regard to the above-referenced account that appears on my credit report. I am requesting a full validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide all of the following information : 1. Proof that I am legally obligated to pay this debt, including a signed agreement ; 2. A complete itemized accounting of the amount claimed, including interest and fees ; 3. Details of all payments made and any balance remaining ; 4. Documentation showing your legal authority to collect this debt in Texas ; 5. If the debt has been sold or transferred, provide proof of the full chain of title. 
While this request is pending, please cease all collection efforts, including phone calls, credit reporting, or legal actions. If the debt can not be validated, it must be removed from all credit reports and no further collection activity should be taken. Additionally, if this account is being reported to any credit bureaus, it must be marked as " disputed '' during the investigation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
In XX/XX/year>, XXXX reported a 30-day late payment on my credit card, even though I called on XX/XX/XXXX at XXXXXXXX XXXX and on XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to confirm that the payment would be made on time. The problem is that XXXX shut down my online access months ago, preventing me from viewing balances, making payments, or verifying due dates. On top of that, they do not allow credit card payments from external accounts unless the external account offers XXXX XXXX. 

Because of their system limitations and negligencenot because of my actionsthis late was reported and dropped my FICO score from XXXX to XXXX. I was in the process of applying for a mortgage, my wifes vehicle, and an XXXX loan for my business. All three were either blocked or penalized due to the score drop, causing well over six figures in damages. My other accounts are in good standing, and I have a spotless credit history until this error. 

I have called XXXX every single month to resolve this and requested that the late be reversed and access restored, and none of that has been done. I am now demanding that the account be removed entirely from my credit reports due to the serious and preventable damage caused by XXXX XXXXailure to provide basic account access and reporting accuracy.

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