vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 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:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2026-02-09 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:
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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I live in ga and this companys apr rate is 490 % which is highly illegal in my state and they keep forcing me to pay Im not trying to get in trouble bc of their rates being illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am disputing the predatory retention of {$300.00} in unearned interest on Loan # XXXX. On XX/XX/XXXX, the merchant ( XXXX  ) issued a full 100 % refund of {$3000.00} following a cancellation. 

Despite the merchant voiding the transaction, Affirm is refusing to refund my out-of-pocket payments. They are instead misappropriating {$410.00} of my cash to satisfy interest charges on principal that was never ultimately used. This practice directly violates the CFPBs XX/XX/XXXX interpretive rule ( Regulation Z ), which confirms that Buy Now, Pay Later lenders must provide the same refund and dispute protections as credit card providers. 

Furthermore, this is a clear deviation from Affirms own established practices. On XX/XX/XXXX, in a previous transaction ( Loan # XXXX ), a merchant return resulted in a 100 % waiver of both principal and interest. Affirm is only retaining my funds in this current instance because the payments were already processed, which is an unfair and deceptive accounting practice. 

I sent a formal Final Notice to XXXX Legal department on XX/XX/XXXX, which was ignored. I require a manual adjustment to waive the {$300.00} in interest and a refund of my {$280.00} overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I filed claims for unauthorized transactions was approved but during that time my phone number and email were removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I had to call the collections debt company myself once I became privy to the wrongful debt. I did not receive any information about the claim. Not an email, phone call or mail which i stated on the phone call with the agent. The agent stated they were using my old address on file, which so happens to go back to my previous leasing office! 

I provided a forwarding address because such information must be provided in order to close lease. I was also charged for a late notice to move being they ask for 60 days. I gave them ample notice but still received the fee. I also worked closely with them months prior to the end of my lease regarding signing paperwork in regarding my new tenancy in California. They were very aware of me parting ways at the end of my lease. 

Sadly, I had a squatter issue at the end of my lease. I lived in LA primarily for the last XXXX months of my lease that made me an easy target for this. I was in fear for my life and could not continue living there. I am a single women, and there were knives everywhere in my apartment, thankfully they did not ruin the apartment! They just stole all of my belongings while living there. Enclosed you will see the squatter name tag, XXXX pass, me telling the leasing office to no real care or concern from them etc. 

Even after my devastating traumatic experience, I was egregiously charged nearly {$1800.00} which they have received and now owe an additional {$480.00}. I am a victim of many things and its disheartening after everything, they decide to put me in debt to them {$2300.00}. this is the only thing on my credit report as i look on my TransUnion. its greatly affecting me to move forward finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was scammed by a fraudulent business and person pretending to sell and deliver cars on XXXX and transfered {$300.00} to them as a down payment for what I believed to be a XXXX XXXX XXXX on XX/XX/XXXX at XXXX. I have not received a refund, product or service. Unbeknownst to me this person was already on the FBI watch list for fraud and scam but unfortunately the transfer had already went through. This person pretended to be someone named XXXX XXXX, with their phone number as XXXX and an email called XXXX which is where I transfered the money through Chime Financial Inc ( XXXX  XXXX XXXX, XXXX. and XXXX XXXX, XXXX. ). They also have another email called XXXX as well as another phone number on XXXX as XXXX. They have my personal information including my full first and last name, my email, phone number and full home address and billing address. This person is claiming that the XXXX XXXX XXXX is in my name and I will be fined {$5000.00} and get XXXX months in jail if I don't pay a delivery fee of {$250.00} because the car will be impounded. I filed XXXX disputes through XXXX fraud department to reverse and investigate this unauthorized transaction and provided them with all the details and evidence of this fraudulent activity and they denied both of my disputes. They have refused to investigate any further or send the notes and details of their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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 letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ). 

I demand that you immediately provide a detailed account of the methods and

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I made a {$2900.00} credit card payment to USAA Federal Savings Bank via Electronic Bill Pay. USAA accepted the payment but placed a hold on my available cred

it for 7+ business days. I have had this credit card account for 18 years. There has been no recent or historical pattern of insufficient funds or payment reversal.

The extended hold caused my rent payment to be declined, and I incurred a late fee as a direct result. This caused documented financial harm. 
I contacted USAA requesting a manual review, explaining the reasonableness standard and my account history. USAA stated the hold was policy-based, that they had discretion to hold funds, and that they were unable to perform any manual risk review.

While I understand temporary risk holds may be permitted, a 7+ business day hold on an electronic bill-pay payment on a long-standing, high-performing account is unreasonable and disproportionate, particularly when it causes consumer 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 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Company : Hunter Warfield , Inc . 
Issue : Incorrect information on credit report Product : Debt collection / Credit reporting Complaint : I am disputing inaccurate credit reporting by Hunter Warfield , Inc. regarding a collection account that appears only on my XXXX credit report. 

On XX/XX/XXXX, I submitted a formal written dispute directly to Hunter Warfield challenging the amount owed on this account. Hunter Warfield acknowledged receipt of my dispute and stated that the matter would be investigated and that I would be advised of the outcome. No correction or written explanation was ever provided to me. 

The original creditor, XXXX XXXX, issued documentation confirming that the correct balance on this account is {$980.00}, which differs from the higher balance Hunter Warfield continues to report. 

I also disputed this account with XXXX. On or about XX/XX/XXXXXXXX XXXX XXXX  notified me th

at Hunter Warfield verified the account as accurate without correcting the balance, despite the prior dispute and the availability of documentation showing a different amount. Hunter Warfields actions constitute a failure to conduct a reasonable investigation and the continued furnishing of information that is inaccurate or can not be verified, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

I am requesting that Hunter Warfield be required to : Correct the reported balance to the accurate amount of {$980.00}, or Remove the tradeline entirely if the balance can not be properly verified I am also requesting that Hunter Warfield provide written confirmation of the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I deposited an {$11000.00} cashiers check issued by XXXX XXXX XXXX XXXX into my Capital One account. My account is not new. 
Capital One placed an extended hold on 100 % of the funds. No portion of the mandatory next-business-day availability amount was released. 
On the morning of XX/XX/year> at approximately XXXX XXXX., I contacted Capital One customer service and was on the call for approximately 1 hour and 13 minutes. I initially spoke with a representative named XXXX, who escalated the call to a supervisor, XXXX ( Agent ID XXXX ). 
During the call, Capital One contacted and verified the check with both the issuing institution, XXXX XXXX XXXX XXXX, and with the remitter, my father-in-law. My father-in-law confirmed that he obtained the cashiers check directly from XXXX XXXX XXXX XXXX XXXX and both of us were physically present at the bank on XX/XX/year>, to verify and deposit the check into my account. 
Despite verification with the issuing credit union and the remitter, Capital One refused to release any portion of the funds, including the mandatory availability amount required under Regulation CC. 
Capital One cited confidential information suggesting the check may not be paid but refused to confirm that fraud was formally noted or that an emergency condition exists. I requested the specific Regulation CC exception being applied and release of the mandatory available funds, and this request was refused.

I am requesting CFPB review of Capital Ones funds availability practices and failure to release mandatory next-business-day funds on a verified cashiers check. 

Capital One has stated that funds from the cashiers check have posted, including a {$5000.00} deposit on XX/XX/year>, which is reflected in my current balance. However, these funds are not included in my available balance and remain fully restricted. This demonstrates that the issue is not processing delay but a deliberate funds availability hold, despite verification of the check and absence of a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I GOT A CASHIERS CHECK FOR THE INTERNAL REVENUE SERVICE FROM MY SAVINGS ACCT AT WELLS FARGO. THE CHECK WAS ISSUED AND MAILED ON XX/XX/year> AND SENT TO IRS VIS MAIL. I WAS NOTIFIED IN XXXX THAT THE CHECK WAS NEVER RECIEVED BY IRS. UPON INVESTIGATING WHAT HAPPENNED THE CHECK WAS STOLEN FROM XXXX XXXX AND THE CHECK FOR {$5000.00} WAS WASHED AND CASHED. THE CHECK WAS WASHED TWICE THE FIRST TIME IT WAS REJECTED THEN THEY TRIED AGAIN AND WERE SUCESSFUL IN CASHING CHECK. AFTER XXXX WEEKS OF THE BANK INVESTIGATING AND XXXX DIFFERENT BANK AGENTS THE REJECTED THE CLAIM SAYING TOO MUCH TIME HAS ELASPED. MY BANKERS AT THE BRANCH CANT BELEIVE MY CLAIM HAS BEEN DENIED

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 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I had called them in regards to this bill and when I spoke to the person on their behalf and they have several numbers that I have never had or heard of they do have my phone number due to me going to the company to tell them that I had no service with them I have XXXX for 10 years, I took them my id to show them it was not me to close the account and they never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am filing a complaint against a debt collection company that continues to contact me regarding an alleged debt that is more than ten ( 10 ) years old and was discharged in bankruptcy. 

I filed a * * XXXX  XXXX bankruptcy in XX/XX/XXXX * *, and the bankruptcy was * * XXXX in XXXX * *. The debt the company is attempting to collect was included in that bankruptcy and was legally XXXX by the court. 

Despite being informed of the bankruptcy discharge, the company has continued to contact me by phone and has stated that I am still liable for the debt. This is incorrect. I have clearly explained that the debt was XXXX and that continued collection efforts are unlawful. 

I also explicitly requested that the company * * cease all contact with me * * and provided the contact information for my bankruptcy attorney, instructing them to direct any further communication to my attorney. The company has continued to contact me regardless. 

I believe this conduct violates the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * bankruptcy discharge injunction * *, as the company is attempting to collect a XXXX debt and is continuing communication after being instructed to stop. 

I am documenting all calls and communications and am requesting that this matter be investigated. 

The company name is XXXX XXXX XXXX Contact Person- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i received a direct deposit from social security and capital one stated they are freezing my account until an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX I became unexpectedly XXXX after a XXXX XXXX almost XXXX  me. At the time I notified the company I no longer had income and needed a hardship agreement. For years against my demand the would call 3 to 7 times a day, everyday even after situation was explained. They began to cause me more emotional distress. I offered proof of XXXX and limited SSI income. They continued to call and call and call. In XXXX or about of XXXX the company went as fair as contact my ex ive been divorced from for 16 years and told them about my debt and my situation. Again adding to the embaressment and distress of my situation. They are still calling multiple times a day. I have requested them to stop harassing me that my income is so limited that I am homeless and own nothing with XXXX young children. They have ignored these requests and over this time refused to close my account, continued adding intrest further causing a higher debt with unnecessary interests fees. Now making it impossible to even pay the debt off. The years of regular harassing phone calls sent me in to a spiral of XXXX which I sot therapy for. The company aggressively acted in harassing threatening phone calls to the point of my breaking down crying and emotional distort, and continuing to disregard my emotional and financial state they kept harassing me. I begged them to stop harassing me that due to my XXXX and inability to work being able to pay there extreamly increased intrest rate and fees it was becoming impossible. I have requested paperwork they have failed to send. And still even today XX/XX/XXXX they are still calling daily at all hours of the week and time of day. I was recently informed to file a complaint due to undo stress and harrassment of the company.

Company response to consumer: Closed with non-monetary relief