vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I activated my Amex gift card. I then tried to use it via a couple different websites and they all say that it will not go through or work. Not sure what the issue is, but I read online that this may be the best avenue to get the funds or the gift card to work properly. 

Thanks! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
Im writing to formally request the blocking of inaccurate and fraudulent information on my credit report in accordance with 15 U.S.C. 1681 C-2 OF THE Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the items listed below do not relate to any transaction I made or authorized. I am disputing several student loan accounts currently listed on my Transunion credit report under the servicer name XXXX. I have reason to believe that these accounts were opened without my knowledge, or are the result of identity theft. 

The following entries are unauthorized and must be removed 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681i ) I am requesting that these accounts be investigated. If you are unable to verify their accuracy and legitimacy, they must be removed from my credit file. PER FCRA 1681 C-2 You are required to block the fraudulent information within 4 business days of receiving this request. Please provide information has been removed or blocked from my credit file. Thank you for the prompt attention to this matter. 
Attached are the following documents driver licenses, social security number, and proof of address. 
Please complete this investigation within 30 days of receipt of this letter, as required by law. I look forward to your response in writing. 

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 2025-07-16 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: SC

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Complainant Name : XXXX XXXX Complaint against : NewRez LLC d/b/a Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Property Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Servicer : NewRez LLC d/b/a Shellpoint Mortgage Servicing, see attached Account or Loan Number n/a -- see attached reassignment, I intervened. 

Summary of Complaint : I am the lawful fee simple owner of the property listed above by virtue of a final judgment entered by the XXXXXXXX XXXX XXXX XXXX  on XX/XX/year>, under Index No. XXXX ( Motion Sequence No. XXXX ) see attached. Despite this final adjudication, attorneys for XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX Currently under a XXXX lawsuit docket sheet filed in the matter of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al., Case XXXX XXXXXXXX, currently pending before Judge XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX filed a Notice of Reassignment on XXXX  on XX/XX/year>, purporting to transfer servicing rights to NewRez LLC ( Shellpoint ), without any recorded assignment of the note or mortgage in the XXXX XXXX XXXXXXXX XXXX XXXX. 
NewRez LLC has taken no steps to validate this purported interest and continues to act as a debt collector or servicer without legal standing. This conduct is not only misleading and unlawful, but also in violation of federal mortgage servicing laws : 12 C.F.R. 1024.38 Failure to maintain accurate servicing records ; 12 C.F.R. 1024.41 ( f ) Initiating collection activity without confirming standing ; 12 C.F.R. 1026.36 ( c ) Failure to disclose a valid change in ownership or servicer. 
Shellpoints failure to record a valid XXXX or produce a legal assignment renders their claims void. Their inaction creates confusion in the chain of title and threatens my vested property interest. 
I demand that Shellpoint : 1. Cease all collection or foreclosure activities ; 2. Formally release or disclaim any lien interest ; 3. Correct the false public record they have contributed to via XXXX ; 4. Be investigated for potential violations under the Consumer Financial Protection Act and applicable XXXX XXXX XXXXXXXX mortgage servicing regulations. 
I have already sent a formal written demand to Shellpoint via certified mail. If no corrective action is taken, I intend to pursue injunctive and monetary relief in XXXX XXXXXXXX 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Synchrony 's Representative XX/XX/XXXX I am writing in response to your letter regarding the alleged debt of {$1500.00}. After reviewing the information provided, I have concerns about the handling of my account and the accuracy of the debt. 

I would like to request further verification and documentation regarding the debt, including details about the charges and transactions that led to the alleged amount. Additionally, I would appreciate information about the sale of my account to XXXX XXXX XXXX and any potential impact on my consumer rights. 

Given the date of the charge-off ( XX/XX/XXXX ), I believe the debt may be beyond the statute of limitations under Florida law . I request that you provide documentation verifying the debt 's validity and ensuring that it is within the allowed timeframe for collection.

Based on my review, I do not intend to make any payments on this debt without further clarification and resolution of these issues. 

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC acct # XXXX XXXX unaware of this dept and did not have the oppurtunity to dispute this account. If you believe you sent proper notifications please provide " certified mail '' with receipt displaying my signature. If not, please delete account # as soon as possible from report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am ling a formal complaint against TD Auto Finance for unlawfully disclosing my personally identiable nancial information to third parties without my consent, in direct violation of both federal and Florida state privacy laws. This includes violations of the Gramm-Leach-bliley Act ( GLBA ), the Florida Information Protection Act of XXXX ( FIPA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). On XX/XX/XXXX, I sent TD Auto Finance a written opt-out request, tracked via USPS # XXXX ( XXXX XXXX XXXX ) and another address, USPS # XXXX ( XXXX XXXX XXXX ), instructing them to stop sharing my nonpublic personal information. Despite receiving this notice, they ignored it and continued to report and share my information with consumer reporting agencies ( CRAs ), third-party banks, and debt collectors. At no point was I provided with a GLBA-compliant opt-out form or any opportunity to limit the sharing of my data, which is a direct violation of my rights under the GLBA. Under Floridas FIPA statute, businesses are required to safeguard consumer data and notify individuals in case of unauthorized access or breaches. TD Auto Finances actions show clear non-compliance with these responsibilities. Additionally, the unauthorized transmission of my information to companies without my knowledge or approval constitutes an unfair and deceptive trade practice under FDUTPA. These actions have exposed me to nancial risk and identity theft without any legal justication. Furthermore, under federal law, specically 15 U.S.C. 1681a ( q ) ( 3 ), this behavior meets the denition of identity theft, as my identifying information was used and distributed without authority. I never consented to the reporting or sharing of this account, nor did I agree to any contract allowing my private information to be released.TD Auto Finances refusal to respond to my formal opt-out request and its continued violations of consumer privacy laws demand federal intervention. I respectfully request that the CFPB investigate this matter, hold TD Auto Finance accountable, and require them to immediately cease all unauthorized reporting or sharing of my personal and nancial information with any third parties, including all consumer reporting agencies. These violations must stop, and my privacy rights must be fully enforced under both federal and Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-16 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: NJ

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX XXXX regarding an alleged debt from XXXX XXXX. 

I requested validation of this debt directly from XXXX XXXX XXXX. They have failed to provide : - The original contract or agreement signed by me. 
- Proof of legal assignment of the debt from XXXX XXXX  to XXXX XXXX. 
- An itemized statement of the debt. 
- Proof of authorization to report this account to credit bureaus.

Under FCRA 611 and 607 ( b ) and FDCPA 809 ( b ), I have the right to accurate and verifiable credit reporting.

I respectfully request that the CFPB require the immediate deletion of this account from all credit bureaus and that XXXX XXXX XXXX cease any collection activity until proper legal validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
Well in XXXX of XXXX I trade in my old car ( XXXX XXXX XXXX with XXXX miles ) for a new XXXX ( XXXX XXXX with XXXX miles ) then the electric system went a little crazy and it burned the radio in XXXX same year, so I took it to the XXXX shop to be fixed, they couldnt fix the car in XXXX, in XXXX neither so I was like Im not paying for a car they can fix so I contacted law lemon lawyer to explain them the situation and they were like yeah we will help you to get rid of the car and they opened a case ; in those months my mom died and I have to spend my savings to cover the funeral expenses and to be honest I felt like XXXX too and I didnt make like 2 payments because I didnt have money since I spent all of it on funeral expenses and there were days that I didnt want to work as well ; so in XXXX they still couldnt fix the car because they were waiting for the parts from XXXX then suddenly in the same month ( XXXX ) they just told me that the lemon law case was closed and XXXX repossessed the car without fixing it ; so they just let me without my old car, the new car, with bad credit and a huge fee for the repossession around XXXX, so XXXX sold the collection to a company is called JEFFERSON CAPITAL SYSTEM and they are sending me letters and emails because they want me to pay XXXX ; so I called XXXX too many times and all the calls were just dead end since they didnt want to listen to me ; weird thing is that at the beginning of this year that debt collection disappeared from my credit due to the XXXX XXXX XXXX of debt collectors ; so I was happy and then I tried to fix my credit, I pay another car that my wife uses and a loan and I was so exited that finally my credit was gon na be fixed so I can get another car loan and guess what? Suddenly my credit didnt improve at the contrary it went down more because Jefferson capital system debt collection appeared again in my credit ; so its been almost 2 years since that happens and I cant get a loan, a car, nothing since my credit is bad thanks to XXXX XXXX I just want that collection to be removed so I can have a fresh start, another chance, another opportunity ; I really need help please. Please I think its not fair that I had trade in my old car for a new one and then lost both and ended up with bad credit and huge fee of XXXX!!! Please help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
On XX/XX/scrub> 2025, I received notification of an account being added to my credit report from XXXX XXXX XXXX XXXX with an amount of {$2600.00}. I have never used this company before in my life. I sent the attached Validation of Account that includes the proper Consumer 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 2025-07-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One bank has failed to conduct a proper investigation into fraudulent activity on my account. My debit card was used to rent a vehicle from XXXX and I reported this to capital One Bank in XX/XX/XXXX. They responded by having me reach out to XXXX XXXX who was confused about the situation. 
Recently I just made a another claim about the same situation and Capital One said they would investigate turns out they did an internal investigation and produced a document dated from XX/XX/XXXX which details charges, taxes, and fees. Upon reviewing the document I discovered not only the document was old but it read Employee. I then asked Capital One if they questioned XXXX about my status as an employee of their company because I was Never an XXXX employee. So Capital One failed to reach out to XXXX to conduct a proper investigation and produced a document dated from over two years ago that clearly says Im an employee?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: New Direction, Inc
State: PA

Complaint narrative:
Breach of Contract / Misrepresentation : I was verbally toldduring a recorded therapy sessionby the therapist that I had good insurance and that I would not owe anything. 

I've filed ethical complaints against company

Company response to consumer: Untimely response