vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Request to Remove Fraud Alert and/or Security Freeze To Whom It May Concern : I am writing to formally request the immediate removal of any fraud alert and/or security freeze currently placed on my TransUnion equifax and Experian credit file.

I originally placed these protections on my credit report as a precautionary measure. At this time, I no longer require a fraud alert or security freeze, and I am requesting that my credit file be returned to normal status without restrictions.

Please process this request promptly and provide written confirmation once the fraud alert and/or security freeze has been fully removed from my TransUnion credit report.

For identification purposes, my information is listed below : Full Name : XXXX XXXX XXXX Date of Birth : [ XX/XX/year> ] Social Security Number ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX have enclosed copies of my government-issued photo identification and proof of address to assist with verification. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me in writing if additional information is required. 

Sincerely,

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On the date of XX/XX/year>, LVNV Funding is violating my XXXX rights by using false misleading, misrepresentation, and deceptive means. 

I have previous attempts to fix these issues directly them and they are violating my rights and I'm entitled to {$1000.00} for every violating I listed, they either pay me or delete these amount accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX, SoFi processed an unauthorized electronic fund transfer of {$190.00} from my checking account to a merchant called XXXX. 
BACKGROUND : Earlier in XXXX, I closed my SoFi debit card ending in XXXX due to a fraud dispute. SoFi instructed me to close this card to prevent further unauthorized charges and issued me a replacement card ending in XXXX. I never provided my new card number to XXXX or updated my payment information in their system. 
TIMELINE : XX/XX/XXXX : XXXX attempted to charge my CLOSED card ( XXXX ) for a subscription renewal. SoFi correctly DECLINED this charge. 
XXXX XXXX XXXX XXXX XXXXXXXX successfully charged my NEW card ( XXXX ) for {$190.00}. SoFi processed and paid this charge.

Upon discovery : I immediately contacted both SoFi and XXXX to dispute this unauthorized charge. 

THE PROBLEM : SoFi claims there is " no error '' because they participate in a card Account Updater service that automatically provided my new card information to XXXX. However : I was never informed that SoFi participates in this service I never authorized XXXX to charge my new card ( XXXX ) When I closed my card due to FRAUD, I had a reasonable expectation that all charges associated with that compromised card would permanently stop Under Regulation E ( 12 CFR 1005.11 ), financial institutions must have consumer authorization for electronic fund transfers- I never authorized this transfer from my NEW card WHAT I WANT : I am requesting that SoFi refund {$190.00} to my account as an unauthorized electronic fund transfer under Regulation E. The bank 's

automatic sharing of my new card information with merchants who had my old, CLOSED card does not constitute my authorization for electronic fund transfers. SoFi 's practice of automatically updating card information for merchants- especially when cards are closed due to FRAUD- undermines consumer security and violates the spirit and letter of Regulation E. 
I cancelled the XXXX subscription immediately upon discovering this unauthorized charge on approximately XX/XX/XXXX. 
What happened after you complained to the company : " SoFi denied my dispute, claiming there was no error because they participate in an Account Updater service '' or " I submitted a formal dispute on XX/XX/XXXX and am filing this complaint because SoFi has not responded properly to the incident. Desired Resolution : Full refund of {$190.00} for unauthorized electronic fund transfer. SoFi should
also implement clearer disclosures about their Account Updater practices and provide customers who close cards due to fraud with options to opt out of automatic card information sharing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Prosper Marketplace, Inc.
State: MS

Complaint narrative:
I got an email from a company called prosper who I guess got hacked with my data and SSN and it was leaked to someone who used it and my credit to purchase a phone online and several hard inquiries.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
Subject : Complaint Against US Bank Deceptive Loan Practices & SCRA Relief Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding US Bank and a loan I obtained during the COVID-19 pandemic During the loan application and cover process, I was explicitly told by a bank representative that any late payments incurred would be placed on the back end of the loan. I relied on this assurance when proceeding with the loan.

Upon final approval, I discovered that this promise was not honored, resulting in significantly higher monthly payments than initially represented. This constitutes a deceptive practice, which caused undue financial hardship during an already difficult time. 

As a XXXX XXXX XXXX  veteran, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043, which safeguards veterans from unfair financial burdens, including misrepresentation by lenders and excessive penalties.

I respectfully request the CFPB to : 1. Investigate US Banks misrepresentation of loan terms.

2. Ensure the bank waives any excessive late payments resulting from this misrepresentation.

3. Confirm that US Bank complies with SCRA protections for XXXX veterans. 



I am submitting this complaint to protect my rights as a veteran and ensure fair treatment. I appreciate the CFPBs assistance in resolving

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Request to Remove Fraud Alert and/or Security Freeze To Whom It May Concern : I am writing to formally request the immediate removal of any fraud alert and/or security freeze currently placed on my TransUnion equifax and Experian credit file.

I originally placed these protections on my credit report as a precautionary measure. At this time, I no longer require a fraud alert or security freeze, and I am requesting that my credit file be returned to normal status without restrictions.

Please process this request promptly and provide written confirmation once the fraud alert and/or security freeze has been fully removed from my TransUnion credit report.

For identification purposes, my information is listed below : Full Name : XXXX XXXX XXXX Date of Birth : [ XX/XX/year> ] Social Security Number ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX have enclosed copies of my government-issued photo identification and proof of address to assist with verification. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me in writing if additional information is required. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Request to Remove Fraud Alert and/or Security Freeze To Whom It May Concern : I am writing to formally request the immediate removal of any fraud alert and/or security freeze currently placed on my TransUnion equifax and Experian credit file.

I originally placed these protections on my credit report as a precautionary measure. At this time, I no longer require a fraud alert or security freeze, and I am requesting that my credit file be returned to normal status without restrictions.

Please process this request promptly and provide written confirmation once the fraud alert and/or security freeze has been fully removed from my TransUnion credit report.

For identification purposes, my information is listed below : Full Name : XXXX XXXX XXXX Date of Birth : [ XX/XX/year> ] Social Security Number ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX have enclosed copies of my government-issued photo identification and proof of address to assist with verification. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me in writing if additional information is required. 

Sincerely,

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: LA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows 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

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 2025-12-14 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: LA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows 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

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 2025-12-14 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: WA

Complaint narrative:
XXXX. Balance Inflation Original balance : {$4100.00} Current balance : {$7700.00} They must legally explain : Interest rate Post-charge-off fees Authorization for additions Most collectors can not. 



XXXX. Multiple Charge-Off Dates ( XXXX XXXX XXXX  ) Charge-offs reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX A charge-off is a one-time accounting event, not something that happens repeatedly. This suggests : Improper updating Re-aging Systemic reporting errors XXXX. PostCharge-Off Monthly Reporting They continue updating : Past-due amounts Balances Payment history After charge-off, reporting must be static, not rolling delinquencies.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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