vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
DCU has locked my account and is refusing to accept payment on active obligations, including a credit card and a personal XXXX XXXX, despite my repeated and documented attempts to pay. This refusal is placing me at imminent risk of credit damage through no fault of my own. 

Since my account was locked, I have attempted every payment method presented to me by DCU, and in each case I was either blocked, misinformed, or directly refused : 1. XXXX : DCU representatives stated XXXX was available. When I attempted it, XXXX reported that payment was blocked because the account is locked and can not accept payment. 
2. In-person payment at a shared branch : DCU collections told me that XXXX XXXX XXXX XXXX ( XXXX XXXX NY ) could accept cash payment for my DCU XXXX, XXXX XXXX, and negative savings balance, and that DCU would then unlock my account. 
I traveled over 2 hours at significant personal expense, only to be told by XXXX XXXX that they could not accept any payment because the DCU account is locked. 
3. ACH payment by phone : After calling DCU again, I was told ACH payment could be accepted over the phone. Two supervisors attempted this, but the payment failed due to the lock. They then consulted collections, who reversed prior statements and said ACH payments can not be accepted at all. 
4. Money orders : DCU then stated money orders were acceptable. I sent next-day money orders on the XXXX, which DCU has refused to process. 

At this point, DCU has left me with no viable payment method, while continuing to hold open credit obligations and threatening delinquency. I am ready, willing, and able to pay, yet DCU is preventing payment and exposing me to credit harm. 

Compounding this situation, DCUs actions have effectively stranded me : I am approximately 7 hours from the nearest DCU branch I have no vehicle I can not rent a car because DCU locked my accounts and blocked payment methods DCUs conduct appears to be : Refusal of lawful payment Misrepresentation of available payment options Unfair treatment of a member Creation of avoidable credit harm I am requesting regulatory intervention to require DCU to : 1. Immediately accept payment by reasonable means 2. Prevent or reverse any negative credit reporting caused by DCUs refusal 3. Unlock my account once payment is accepted This situation is ongoing and time-sensitive, with credit damage imminent.

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 2025-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A credit account from XXXX XXXX ( Account No. XXXX ) was deleted from my credit report in XX/XX/year> and later reinserted in or around XXXX XXXX  by Experian. I did not receive any written notice of this reinsertion. 

On XX/XX/year>, I sent a written reinsertion demand letter requesting the certification of accuracy, furnisher contact information, and proof of the required five-day reinsertion notice. As of XX/XX/year>, I have not received any written response or reinsertion notice. 

The only update I observed was a verified status displayed in the online dispute portal, which does not satisfy the Fair Credit Reporting Acts requirement for written notice. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency must obtain a certification of accuracy and notify the consumer in writing within five ( 5 ) business days of reinsertion, including the furnishers name, address, and telephone number. None of these required disclosures were provided. 

Because the statutory reinsertion requirements were not met, the reinsertion is unlawful. I am requesting immediate deletion of this account and full compliance with federal 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 2025-12-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: FL

Complaint narrative:
My student loans were with XXXX then it gets moved to Edfinancial. The information on student aid says you need to pay if your account is in forbearance. Ed financial automatically put me in forbearance and if I try to make payments or change my payment plan. It says it will change my current plan with save and ICD. I am also accruing lots of interests when Im not able to pay due to being automatically in forbearance. 

Its very confusing and effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Incomm Holdings Inc.
State: WA

Complaint narrative:
I have tried several times to complete an online purchase with XXXX for an app that I'm building and my purchase keeps declining. I've tried adding this card to XXXX XXXX XXXX, XXXX XXXX  and to my XXXX XXXX, but again the card just keeps declining. I've activated my card that I purchased specifically for paying for purchases online and the balance is {$100.00}. The card issuer says my card is active, yet I can't use my card to do or pay for anything thus far. I contacted the vanilla gift card customer service phone number ending in XXXX and I was able to speak to someone only 1 time and she told me that she couldn't see where my card had declined on and that it wasn't a problem with my card. She told me to use my card to purchase items in the store instead. This is unacceptable! I should be able to use my card to make any purchase online and if not, the cardholder agreement needs to say so. I paid an additional {$8.00} for this worthless piece of garbage card that I can't use, in addition to the {$100.00} that I deposited onto the card. It infuriates me that I have no use for it now. Everytime I try and call back to speak to someone, my call gets hung up on after telling me to go to their website. Their website says you can submit a problem, but it just takes you in circles and you never can find where the option actually exists, if at all. I'm XXXX, it shouldn't be this difficult to get assistance with a card that I purchased. Completely unacceptable and if I could request a refund, I would do just that, but of course that's not an option, so where in the XXXX is the customer support? How can they be permitted to sell this garbage and not be held to higher standards? Why is there no accountability for providing actual support? It's as if my phone number was blocked after my first call and now the automated ai bot just hangs up on me without providing an option to speak to someone. Please ensure that my complaint is not ignored. This can't be the first complaint you've received regarding this matter and undoubtedly it won't be the last.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im submitting this additional complaint as I forgot some documents in the other cfpb complaint XXXX. I submitted a billing dispute for {$1500.00} to Bank of America for my card ending in XXXX and they denied my dispute even though I provided the second opinion from the merchant that the service they provided wasnt what I asked for. I asked for an air duct cleaning service and as you can see from the 2nd merchant documentation, they gave me a completely different service which isnt an air duct cleaning. The merchant even said the chargeback was justified which shows the charge should be credited. Please review all the documentation as this merchant didnt provide the service I asked for.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reviewed my XXXX XXXX XXXX account and seen an account was opened with JP MORGAN CHASE fraudulently without my consent and I have no knowledge of this account and the information is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Repossession This was not a loan/lease vehicle as reported on my credit report. I did not enter into a contract with a bank or credit union for a loan/lease . This was a rental vehicle. This vehicle was not repossessed but surrendered because of constant mechanical problems that were not covered by the warranty/repair insurance that the company stated was on the vehicle. I repeatedly contacted the company about the repairs of the vehicle to no avail. Therefore, I surrendered the vehicle to them because of this problem. I never entered into a loan or lease contract. 


A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts is not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Repossession This was not a loan/lease vehicle as reported on my credit report. I did not enter into a contract with a bank or credit union for a loan/lease . This was a rental vehicle. This vehicle was not repossessed but surrendered because of constant mechanical problems that were not covered by the warranty/repair insurance that the company stated was on the vehicle. I repeatedly contacted the company about the repairs of the vehicle to no avail. Therefore, I surrendered the vehicle to them because of this problem. I never entered into a loan or lease contract. 


A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts is not accurate, and I demand their immediate removal.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I had twelve authorized transactions to liqui book cash app pay. And several more that had gone decline. i reported these transactions to cash app, and within 5 minutes of the dispute I sent, they had already made a decision that there was fraud against my account but I had broken the rules so they closed my account and did not reimburse me or give me any explanation on how or what I had done to violate their rules. I am out XXXX XXXXXXXX XXXX XXXXXXXX dollars with no explanation and no refund reimbursement of any sort. this caused me to have to borrow money from my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am disputing the accuracy of my phone number with Chex System Inc under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The current information is outdated. I have attached a formal letter with my full SSN and DOB, along with my passport. Please update my file immediately.

I have also requested similar updates across other secondary reporting agencies to ensure my consumer identity is consistent and accurate across the marketplace.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-28 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: FL

Complaint narrative:
On XX/XX/year>, I entered into a retail installment sales contract with a vehicle dealer to finance approximately {$24000.00} over XXXX months at an APR of about 19.94 %. After the account began reporting on my TransUnion credit report under a different companys name, I disputed the tradeline and requested that TransUnion conduct a reasonable reinvestigation and verify the furnishers ownership and authority to report the account. 
During the reinvestigation, the furnisher asserted that the contract was assigned to them but did not provide any assignment agreement, bill of sale, or chain of title. The only documentation relied upon was the original retail installment sales contract, which identifies the dealer as the seller-creditor and does not identify the furnisher. 
Despite the absence of documentation establishing ownership or reporting authority, TransUnion accepted this response and continued to report the tradeline as delinquent. The investigation did not correct or remove the disputed information, even though the authority to report the account could not be verified. Continued reporting of this unverified tradeline has resulted in credit denials and ongoing harm.

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I've sent them multiple phone calls, letters, emails, messages with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding an illegal repossession and resulting credit reporting by XXXX XXXX XXXX in violation of the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3952. 

My spouse and I purchased a XXXX XXXX XXXX timeshare prior to my entry into XXXX XXXX military service. 

In XX/XX/year>, while I was on XXXX XXXX, XXXX XXXX XXXX repossessed the timeshare without obtaining a court order. XXXX knew or reasonably should have known of my XXXX XXXX status at the time. 

Under the Servicemembers Civil Relief Act, repossession of property subject to a pre-service installment contract during XXXX XXXX requires a court order, regardless of alleged missed payments. No court order existed in this case.

Despite the repossession being unlawful, XXXX XXXX XXXX has reported negative credit information related to this account, causing financial harm.

I have filed a complaint with the U.S. Department of Justice regarding this SCRA violation and have submitted formal disputes to the credit bureaus.

Company response to consumer: Closed with explanation