vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial 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 explanation
Consumer complaint received 2025-12-04 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: 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Issue : My debit card was used for an unauthorized XXXX XXXX purchase. I did not make this transaction. 

What happened : A fraudulent airline ticket was purchased using my DCU debit card in Texas and Im in Massachusetts.I reported it immediately. DCU investigated twice and denied my claim both times. They stated that XXXX is not taking responsibility and that the transaction was authorized, but I did not authorize it. I was not traveling, I did not make this purchase, and no one else is allowed to use my card. 

DCU has not given me any proof that the transaction was mine. I requested documentation such as the email used, name on the reservation, device information, and IP address, and they have not provided it. They simply stated it was authorized without any evidence. 

This is a violation of Regulation E, which requires the bank to refund unauthorized electronic transfers unless they can prove I authorized the transaction. 

What I want : I want DCU to reopen my dispute, provide all documentation they relied on, and refund the unauthorized transaction to my account. I also want DCU to comply with Regulation E requirements. 

Amount of loss : $ XXXX Date of transaction : 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 monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX opening date XXXX account number XXXX ). XXXX XXXX XXXX opening date XXXX account number XXXX ) that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant tto FCRA 6058 ( 15 U.S.C. 5 16810-2 ), that the the TransUnion Union credit redit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
A funeral home reported me deceased to Social Security. I have fixed the problem with social security, but Discover closed my account and keep reporting me deceased to the credit bureaus. This is causing my credit score to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 
I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes. 

Account : Credit Collection Services - XXXX * * * *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: VA

Complaint narrative:
Summary of Complaint : VW Credit added over {$700.00} in undisclosed interest to my auto loan after the vehicle was paid off. The charges relate to a COVID-era payment extension granted in XXXX. I was never informed that interest would accrue during the extension. VW Credit later admitted that the required disclosures and written confirmation were mailed to an incorrect address, so I never received them. Even worse, they continued reporting me delinquent during the extension period and are now threatening additional interest and potential negative reporting while the balance is disputed. 

Details : In XXXX, VW Credit granted a payment extension during the COVID relief period. I was not told verbally or in writing that interest would continue accruing on the deferred payments. VW Credit has now acknowledged that the written disclosures and extension confirmations were mailed to the wrong address, meaning I never received any documentation that should have explained the interest accrual. 

Despite granting the extension, VW Credit continued reporting me as XXXX full payment behind for nearly a year, which caused significant credit harm and contradicts federal COVID guidance. 

After paying off the vehicle in full in late XXXX, VW Credit informed me that I still owed an additional $ XXXX in interest from the extensioninterest that was never disclosed, never agreed to, and not included in my payoff amount. 

When I called customer service, Supervisor Grant, extension XXXX, XXXX, IL, told me : 1. The undisclosed interest is fully owed 2. Additional interest is accruing daily 3. The disputed balance could be reported as a late payment 4. They would only send me copies of the disclosures now years later despite originally mailing them to the wrong address This conduct violates Truth in Lending Act disclosure requirements, FCRA 623, and CFPB auto loan servicing rules. Once a consumer disputes a balance, the servicer must : Mark the account in dispute Suspend negative reporting Stop adding interest or fees while the investigation is open VW Credit is refusing to do so. 

Requested Resolution : I am requesting that the CFPB require VW Credit to : 1. Remove the $ XXXX in undisclosed, improperly applied post-payoff charges 2. Freeze all interest and cease any negative reporting during the investigation 3. Correct all delinquency reporting during the XXXX extension period 4. Provide a full account audit, including : The extension agreement Any recordings of verbal disclosures Interest accrual calculations The amortization schedule and payoff reconciliation Given that VW Credit mailed all required extension disclosures to the wrong address, I never consented to interest accrual, and the additional charges should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Alorica Inc.
State: NV

Complaint narrative:
XX/XX/XXXX requested savings to be closed through XXXX and XXXX XXXX. They are the party handling my XXXX XXXX XXXX savings account. I requested it to be deposited to XXXX checking account on file. Spoke with XXXX who said it would be deposited up to XXXX business days. XX/XX/XXXX no funds. Called and spoke with another agent who told me it was XXXX business days. Called again XX/XX/XXXX and was told it reset due to upcoming holiday and funds would be sent no later than XXXX. No funds still by XXXX. Called and spoke with XXXX and his supervisor XXXX who said there was a glitch and that funds were guaranteed XXXX. No funds again XXXX. Spoke with XXXX XXXX ( supervisor ) and she said she was escalating the issues but was unsure if she would have any information for me today. I have over {$3500.00} in savings they arent releasing to me and I keep getting a I promise you will get your money response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: 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 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 2025-12-04 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: TX

Complaint narrative:
Look over the materials, please ; the inquiries arrived out of the blue and might not have approval.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> I was notified that my checking account was overdrawn. This did not make sense based on my transactions, so I reviewed online and found an unauthorized billpay transaction of {$9800.00} sent to XXXX XXXX. I immediately notified the bank that day, and their review indicated that the transaction came from my father 's billpay ( my father is a secondary member listed on my checking account ). My father did not set up the billpay, has no XXXX XXXX account and we have explained countless times to the bank that this was an unauthorized transaction that they never should have processed. Their review shows that our account was compromised at an earlier date and the bank actually had denied a payment XXXX days prior of over {$17000.00} -- but never notified my father or myself. The bank also took no further precautions to flag our account and instead then allowed for the unauthorized transaction of nearly {$10000.00} to process less than 2 days later. We have spent probably close to XXXX hours on the phone speaking to different bank supervisors and examiners about the situation, we have spoken in person at XXXX different branches to different bank managers multiple times, we have filed a police report, we have signed a sworn attestation confirming that this transaction was unauthorized, we have had a full computer scan done on my father 's home computer and sent the results to the bank as requested showing XXXX  viruses and unauthorized remote access that were found during the scan. However, the bank continues to not refund the money to my account and instead has sent us XXXX different denial letters through the mail. It has been 35 days now that the bank has refused to return nearly {$10000.00} that they allowed to be sent to another bank that my father and I neither have any connection with. Huntington should have contacted XXXX XXXX that morning as soon as we notified them of the unauthorized transaction but it appears that they have not done anything on there end to resolve this issue. Their refusal to refund at this point is in direct violation Online guarantee Huntington Bank provides on their website comma And also appears to be in direct violation of 1005.6 Regulation E.

Company response to consumer: Closed with monetary relief