vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This complaint is against coinbase i have been. 
Trying to get into my account for XXXX weeks.There 's no live people to speak to.Everything is too email.And they are not doing anything to get me into my account. Every time I try to sign in it says device not recognized.Now I know why somebody went into my account and took out XXXX XXXX XXXX  XXXX dollars. And today they took every dollar out of my checking account which was {$3000.00} and the transactions were through a coin base

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Company wouldn't expect the amount I was trying to settle with after it was sold to a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. * FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries ( 13 total ) and charge offs, collections ( I do not consent and no contract has been signed by me with the company ). * Cease & desist No debt validation was received. These debt collectors are committing fraud and trying to steal my credits.

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 2025-07-26 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: IL

Complaint narrative:
Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. * FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries ( 13 total ) and charge offs, collections ( I do not consent and no contract has been signed by me with the company ). * Cease & desist No debt validation was received. These debt collectors are committing fraud and trying to steal my credits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas Date : XX/XX/year> To : Experian XXXX Transunion XXXX : XXXX XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681 ( a ) ( 4 ) Immediate Action Demanded To Whom It May Concern : This letter serves as a formal and urgent demand for the immediate correction and removal of inaccurate and damaging information on my credit report maintained by your bureau. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ), Congress has recognized that inaccurate credit reporting " undermines the public confidence which is essential to the continued functioning of the banking system '' and causes direct and unjustified harm to consumers. In your failure to maintain accurate, fair, and verified information, you have not only breached that public trust you have violated the rights Congress enacted to protect. 

Disputed Item ( XXXX ) : Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX Reason for Dispute : by law i have the right for privacy and i didnt give written consent for those to be posted on my consumer report this violates my rights for privacy. 
I am demanding that the bureaus removed within the time prescribed by law ( 30 days from receipt of this notice ). Enclosed are documents supporting my dispute, including : [ Copy of ID and proof of address ] [ Any relevant documents : payment confirmation, fraud affidavit, correspondence with If this inaccurate data is not promptly corrected, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to initiate legal action under 15 U.S.C. 1681n and 1681o, and to seek statutory and punitive damages, attorneys fees, and injunctive relief for willful or negligent noncompliance. 

You are hereby on notice that I intend to hold your agency fully accountable for any and all consequences stemming from the reporting of false, inaccurate, or unverifiable information. 

This is your opportunity to correct the error before further action is taken. I expect written confirmation of your compliance within 30 days of your receipt of this notice.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
They first put my account on restriction, then randomly closed my account. 

I filed disputes due to tampered with or misled advertised products as new sold by merchant open and damaged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX Experian, XXXX XXXX XXXX  reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX ; a collection account opened at XXXX and XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-26 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: 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 explanation
Consumer complaint received 2025-07-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am the victim of identity theft and submitted a full FTC Identity Theft Report, a notarized affidavit, and certified documentation to ChexSystems requesting the deletion of multiple unauthorized inquiries. Despite receiving all legal documentation required under 15 U.S.C. 1681c-2 ( a ), ChexSystems failed to delete the inquiries. Instead, they merely moved some from Viewed by Others to Viewed Only by You, which still negatively affects my internal risk score and banking opportunities. I did not authorize these inquiries, and ChexSystems refusal to delete them is a violation of the Fair Credit Reporting Act.

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 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have two more payments to satisfy my mortgage however, select portfolio servicing is charging me Unfair penalties and interest and they are ruining my credit. I have elected to take over my escrow account when SPS decided to charge a two month cushion for the remaining months left on my mortgage. Ive been paying my escrow account separately from the balance of my mortgage. I have been paying my mortgage balance on time every month. Over the course of my mortgage I have never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MicroBilt / PRBC (formerly CL Verify)
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The account in question is listed as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Amount Owed : {$620.00} Account Type : Collection Agency/Attorney Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX I am requesting that you investigate this account and remove it from my credit report unless you can provide proper documentation that proves the accuracy and completeness of this information, including : Full chain of title showing legal ownership of the debt Complete payment history and original signed agreement Proof that the debt is valid and legally enforceable Under 15 U.S.C. 1681i, you are required to complete your investigation within 30 days and notify me of the results. If the account can not be fully verified, it must be removed from my credit file. 

I also request that, upon completion of your investigation, you provide me with an updated copy of my credit report reflecting any corrections or deletions made. 

Please consider this a formal dispute. I am exercising my rights under FCRA to ensure only accurate and verifiable information is reported.

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 2025-07-26 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX Amount Owed : {$620.00} Account Type : Collection Agency/Attorney Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX I am requesting that you investigate this account and remove it from my credit report unless you can provide proper documentation that proves the accuracy and completeness of this information, including : Full chain of title showing legal ownership of the debt Complete payment history and original signed agreement Proof that the debt is valid and legally enforceable Under 15 U.S.C. 1681i, you are required to complete your investigation within 30 days and notify me of the results. If the account can not be fully verified, it must be removed from my credit file.

I also request that, upon completion of your investigation, you provide me with an updated copy of my credit report reflecting any corrections or deletions made. 

Please consider this a formal dispute. I am exercising my rights under FCRA to ensure only accurate and verifiable information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I attempted to make a withdrawal in cash at an establishment that I have made several cash withdrawals at previously. I have previously conducted over 10 cash at this location in the past month. On XX/XX/XXXX at XXXX XXXX  I attempted to make a cash withdrawal at the atm snd it got declined. I spoke to customer service who said it would be fixed in a hour and to try to my withdrawal again I did and it didnt work. I spoke to customer service again and wax promised it would be fixed within the hour and it was not. I attempted ro make a purchases and withdraws throughout the day and they were all declined. I have not had recent deposits and my available balance is over {$30.00}. I need access to the money now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Referencing previously filed complaint : CFPB File # XXXX Subject : Additional Evidence Supporting My Complaint Against TD Bank Dear CFPB Representative , I am submitting additional documentation related to my pending complaint against TD Bank, N.A . ( filed previously under the name XXXX XXXX ). 

The attached demand letter includes new evidence that another investor was refunded by XXXX XXXX  for the same fraudulent investment with XXXX XXXX XXXX  XXXX. This supports my claim that TD Bank acted unfairly and failed to follow reasonable fraud-prevention practices. 

I ask that this update be added to my existing case and be considered as part of your review. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I had reported to national credit system and the original company The guarante

Company response to consumer: Closed with explanation