vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I recently received a debt collection notice from your office. I requested in writing that you provide documentation confirming this. I am writing to you regarding a collection attempt on an alleged debt referenced by account number XXXX in the amount of {$1700.00} According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are attempting to collect. On XX/XX/year>, XX/XX/year> & XX/XX/year>, I sent you a formal request for debt validation via certified mail. To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, you have failed to provide : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. My full, complete and correct social security number that may help to identify me as the correct person you are attempting to collect from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the account listed above, which is currently being reported on my consumer credit file by Exeter Finance.

I maintain that Exeter failed to provide me with the legally required Notice of Intent to Sell the collateral prior to its disposition.

According to UCC 9-611 ( or equivalent state law ), the secured party is generally required to send a reasonable authenticated notification of disposition to the debtor. I assert that I never received any such notice detailing the date, time, and method of sale. 
The specific issue being disputed is : The entire entry is inaccurate/unfair because the creditor failed to adhere to the statutory requirements for the disposition of collateral ( repossession sale notice ). Without proper notice, the reported deficiency balance is invalid or subject to offset, and the reporting of the account as a " repossession '' is incomplete and misleading. 
I demand that you investigate this matter immediately by requiring the creditor to provide proof that they sent the legally required notice of sale to my most recent address on file prior to the vehicle 's disposition. 
Requested Action : Due to the creditor 's failure to provide the mandatory notice, I request that the entry be deleted entirely from my credit report, as the underlying reported deficiency balance and the disposition itself were not legally compliant. Alternatively, the reporting should be updated to reflect that the deficiency balance is {$0.00} due to the violation of notice requirement.

Please provide the results of your investigation within the thirty ( 30 ) day period as mandated by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Issue : Huntington has failed to return {$650.00} to my account and has mishandled my dispute in multiple ways that violate proper dispute procedures. 

Details : On XX/XX/2024, I filed a dispute for {$650.00}. Huntington told me they issued a temporary reversal and said they would give me another credit once they received the dispute paperwork. They mailed a form that I never received. Instead of fixing the issue, they closed the dispute because the form did not come back.

I contacted Huntington, had the dispute reopened, and completed the form once it was resent. Then Huntington sent another form, this time asking for a receipt for a vehicle I never received, which does not match the nature of my dispute. I explained that the card transaction itself is the proof, since I paid with my Huntington card and never received the item.

Even after all this, Huntington never reissued the {$650.00} credit that they promised.

On top of that, I deposited {$100.00} for a bill, not knowing Huntington had dropped my balance because the {$650.00} was still missing. I told Huntington that this was bill money and their delay caused financial hardship, but they ignored this completely.

Huntington has also admitted that they never reached out to the company involved in the transaction.

Instead of following the proper dispute process by contacting the merchant, they kept asking me for unnecessary paperwork that does not exist which feels like they were trying to delay or close the dispute rather than investigate it. It made me feel like Huntington was siding with or protecting the car company.

Huntington has : Promised a credit they never issued Closed my case because they sent paperwork I never received Requested irrelevant documents ( such as a vehicle receipt for an item I never got ) Failed to contact the merchant at all Ignored that their actions caused a bill to go unpaid Repeatedly delayed the investigation beyond required timelines This situation has caused significant financial hardship.

Requested Resolution : I am requesting that Huntington immediately credit the {$650.00} back to my account, correct all their procedural errors, and properly resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I deposited {$100.00} with a digital gaming platform called XXXX. The service advertised that users could deposit, play, and withdraw winnings, which is the core service being purchased. 

After depositing, I attempted to withdraw my funds. Triumph ignored my withdrawal requests for several days. They only responded immediately after I said I was disputing the charge, and at that point they banned my account without giving ANY explanation of a Terms of Service violation. 

They denied me access to my account, refused to process my withdrawal, and provided no documentation or support. This is merchant fraud and a failure to provide contracted services, not a dissatisfaction issue. 

I provided Discover with chat logs showing XXXX ignoring me and banning me after the withdrawal request, but Discover : Refused to review or accept my documentation Refused to classify the dispute correctly Incorrectly labeled it dissatisfaction after service used, which is not accurate Refused to conduct a proper investigation Told me they can not reopen the dispute despite clear billing error grounds This violates my rights under the Fair Credit Billing Act, which requires a good-faith investigation of billing errors, including failure to deliver services and digital services revoked after payment. 

I am requesting that the CFPB require Discover to : 1. Reopen and properly investigate the case 2. Reclassify it under services not provided or digital services revoked by merchant 3. Refund the {$100.00} due to the merchant refusing to deliver the service purchased Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MO

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 explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems and/or XXXX XXXX XXXX XXXX XXXX incomplete, inaccurate, and unverifiable information to XXXX XXXXn violation of FCRA 623 ( b ). Both accounts lack DOFD, proper itemization of balance, and documentation to support the amount reported. 

I requested validation under FDCPA 809 ( b ), and the company failed to provide a contract, itemized accounting, or proof of ownership. XXXX XXXX  continuing to report the account without proper verification, violating FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: NY

Complaint narrative:
I checked my credit report and found this item on it. It says I owe XXXX dollars, but one payment is saying its almost XXXX XXXX and another says that the debit doesnt belong to me. I requested any information with my signature and payments I may have made and the supervisor says he cant find my information. I recorded the whole phone call. I am asking that the debit be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: Jim Bottin Enterprises, Inc
State: MI

Complaint narrative:
I canceled my XXXX XXXX XXXX by certified mail on XX/XX/year>, and I have XXXX proof of delivery. 
Despite this, XXXX ( through their billing company XXXX XXXX XXXX XXXX charged my checking account debit card on XX/XX/year>, which is more than 30 days after cancellation. 
They also accessed and charged a credit card I never provided to them, likely through card-updater services without authorization. 
I have already filed disputes with my bank, but the merchant continues attempting unauthorized charges. 
I want all unauthorized charges refunded and the merchant permanently blocked from accessing any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
The company is requesting identification after I advised I lost my identification. I have identified myself through United States Social Security the payee and sent the same to direct express to no avail. This action is violating State and Federal statutes and regulations. The identification request has been taken down at my request by the corporate offices of Direct Express yet the debit card company dispute department puts it back up every time I call them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX, I rented a car from XXXX XXXX I paid with my cash app card for the car and then I used my chime card for the deposit in order to rent the car on XX/XX/XXXX. I turned the car back in XXXX released my deposit funds back to chime. I waited. I never got the money. I then called Chime and the guy was very rude and tried to say that I didnt have any money coming back that the funds werent released so I called XXXX XXXX three-way with chime the lady told him that the funds were released. He started asking her for approval codes and stuff like that so the next day I thought Id be getting my money still hadnt gotten it called back the next day. Talk to another guy he tried to tell me that it wasnt for security deposit which it was for a deposit for the car and then the lady released the funds on XX/XX/XXXX. I hung up on them because I got so mad cause my son is in XXXX and I told them I didnt have time to wait on this money because I was supposed to get it back in 3 to 7 days called again XXXX days later same thing nobody wants to help me finally yesterday I called and spoke with a woman who called on three-way with me again to XXXX. XXXX explained that they have released the funds back XX/XX/XXXX and that I should have already gotten my money, but Chime still has not given me money. I am now getting evicted from my apartment because of the {$520.00} that Im not getting back from Chime which I was supposed to get in 3 to 7 business days. I have cried to them on the phone. I have told them numerous times that I dont know what else they need me to do, but I need my money and they just dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
My credit file contains fraudulent negative accounts and unauthorized/duplicate hard inquiries as a result of the XXXX XXXX XXXX XXXX XXXX # XXXX ). 
Despite submitting an FTC Identity Theft Report and invoking my rights under FCRA 605B, the credit bureaus continue to report these items and rely on automated EOSCAR " verified '' responses instead of conducting a reasonable reinvestigation as required by {$610.00}. Relief Requested : Delete all fraudulent negative accounts. Delete all unauthorized and duplicate hard inquiries. Provide written confirmation that these items that these items have been permanently blocked and that no reinsertion will occur without full compliance with 611 ( a ) ( 5 ) ( B ). Failure to comply will result in further escalation and legal action.

Company response to consumer: Closed with explanation