vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX  XXXX XXXX Subject : CEASE AND DESIST & DEBT VALIDATION DEMAND ACCOUNT # XXXX To Whom It May Concern, This letter is a formal CEASE AND DESIST notice and DEBT VALIDATION DEMAND under the full authority of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). I am demanding the immediate removal of the below-referenced account from my credit report unless it can be fully validated with legally sufficient documentation. 

Account Details : ccount name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Open. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Monthly payment {$130.00} Original balance {$5900.00} Terms XXXX Months DEMANDS Immediately cease and desist from all forms of contact with me regarding this account. 

Provide full debt validation, including : A copy of the original promissory note bearing my signature A complete payment history detailing how the balance increased Verification of the correct status, balance, delinquency, and reporting history Proof of legal right to collect or report this debt If this debt can not be validated in full, you must remove all references to this account from Equifax, Experian, and TransUnion. 

LEGAL WARNING Failure to comply with this request within XXXX calendar days will result in formal complaints being filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrth Carolina Attorney General I will also pursue civil damages under 15 U.S.C. 1692k and 1681n for willful noncompliance and defamation.

You are strictly prohibited from any further contact with me unless it is to fulfill this request in writing. 

Sincerely, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-05 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:
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 XXXX 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 you have 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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against Fay Servicing regarding their persistent and unlawful communication practices related to an account under my name, XXXX XXXX. 

Despite my explicit requests to cease contact, Fay Servicing continues to send me repeated phone calls, text messages, emails, and physical mail. Their relentless outreach is causing significant distress and amounts to harassment. 

Furthermore, I have sent them a formal cease and desist letter ( copy attached ), but they have ignored my request and continued all forms of communication without my consent. 

I ask that the CFPB investigate Fay Servicings practices and take appropriate action to ensure they comply with the Fair Debt Collection Practices Act and stop their unlawful harassment. 

Attached are copies of my cease and desist letter and records of their ongoing contact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

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 2025-08-05 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I was coerced into co-signing a loan for a XXXX XXXX XXXX by my ex-partner, XXXX XXXX XXXX, during a controlling and abusive relationship. My credit score was under XXXX at the time, and I feared for my safety if I refused. Despite this, Santander approved the loan. XXXX had a long history of XXXX, drug abuse, and police involvement. The vehicle was used and paid for solely by him until his death from a XXXX XXXX on XX/XX/XXXX. We had been separated since XX/XX/XXXX. 

After his death, I contacted Santander to inform them and made it clear I had no interest in or access to the vehicle. I was given no further communication. I received no written notice of repossession, no details about the sale, and no indication that I would be responsible for a remaining balance. 

In XX/XX/XXXX, I checked my credit report and discovered a {$29000.00} charged-off deficiency balance reported solely in my name. This was the first time I learned of any such balance. I then submitted a written dispute to Santander, requesting a full breakdown of the amount, documentation of the sale, and all legally required notices. As of now, none of this has been provided. 

This debt was not taken on voluntarily. It was incurred through coercion and abuse. Santander failed to provide the legally required notices and has caused significant financial and emotional harm by assigning this debt to me without due process. I am prepared to provide a therapist statement, police records, and documentation of XXXX history of XXXX to support this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Delete Account of my all Credit Report. 
( Sent Letter to reported company to provide document with my signature to validate the debt. this company didn't provide any valid document with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My XXXX XXXX account with XXXX XXXX XXXX was paid in full. The final payment of {$2100.00} was made on XX/XX/XXXX, covering the entire principal balance. 

I opened up a XXXX XXXX  account in XX/XX/XXXX for my now XXXX mother to help her pay for much needed XXXX XXXX XXXX XXXX 

My payment history was perfect. I have paid every month on time since I opened this account. I have other cards through XXXX and my payment history is exemplary. I have been an excellent customer for years. 

However, XXXX tacked on interest of {$1800.00} without warning. They claim I didn't pay off a higher amount of a " promotional balance '' in XXXX of XXXX, even though I did make a XXXX payment, and they did this without any notifications, emails, letters or phone calls in XX/XX/XXXX or XX/XX/XXXX. They simply tacked on this exorbitant interest and I saw the higher balance on my account in XX/XX/XXXX. I have been disputing it ever since. 

I was aware that the entire balance had to be paid off by XX/XX/XXXX in order to not accrue interest. I did not know that any portion had to " supposedly '' be paid off sooner. 
I did not receive a notification for it. XXXX 's website and account portal for XXXX XXXX has no notification system like every other credit card/banking institutions do. This feels intentional and predatory. 
I got paperless statements and had my account set for auto payments. I did have a " promotional plan link '' for the XX/XX/XXXX due date balance. I got a pop-up window for the XX/XX/XXXX date, but Ive never seen anything that notified me of an extra payment required the end of XX/XX/XXXX. 
The interest charge essentially doubled what was the remaining balance. 

I'm filling this complaint today after months of letters and emails in response to their daily harassment by phone and text. They never engage in formal written communication. And on XX/XX/XXXX, someone calling by the name of XXXX, left me a voicemail requesting for the name and number of my attorney. Comenity is now escalating the intimidation and harassing me by threat of legal action even though they have been made whole and I categorically refute this tacked on interest charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. 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 XXXX business days.

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 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-08-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I am filing a formal complaint against Alliant Credit Union regarding their mishandling of a certificate of deposit ( CD ) renewal. On XX/XX/XXXX, my CD for {$220000.00} was renewed for XXXX  months with a maturity date of XXXX, XXXX, but the interest rate reflected in my account is showing 0.00 % and after XXXX month I have no posted interest. The advertised rate at the time of renewal for a XXXX month XXXX was 4.10 %. I have repeatedly contacted Alliant to request confirmation of the correct rate, access to the secure message center, and written documentation sent to my personal email. I have received none. 

Ive been repeatedly stonewalled by Customer Service reps these past few days. I have requested escalation and attempted to contact Alliant through several internal and external email addresses, all of which have either been ignored or bounced back. I am now potentially out over {$700.00} in lost interest and fear they may attempt to enforce an early withdrawal penalty despite their internal error. 

Fixing the issue seems like such a no-brainer to me : Look at my renewal date, see the rate offered that day for XXXX month CDs ( 4.1 % ), have someone correct the code for the website to reflect that for my account. I mean, XXXX cant code, but it seems like something that opening up the script and basically replacing some incorrect integers would easily correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> there was a fraudulent bill pay transaction initiated from my Bank of America small business checking account to pay off XXXX XXXX credit card. I don't have any accounts with XXXX XXXX. I tried calling that evening but bank 's fraud department was closed. I immediately changed the password and enrolled into XXXX with SMS message with a code at each login. 

Called next morning : money was already debited. Claim was opened. 

In XXXX  days I got a response that per their investigation that transaction was completed using my computer. I ran virus scan and found two viruses with severe threat. 

I submitted my findings to fraud department. I also pulled all my logs from the computer and followed up with additional findings showing that I did not access bank 's website many hours before and after that transaction occurred.

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