vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  ) initiated hard credit inquiries with all XXXX  major credit bureaus ( TransUnion, Experian, and Equifax ) without any permissible purpose or authorization. 

There was no new credit application or consent. My account was already in delinquency and under federally documented XXXX and Section XXXX civil-rights complaints filed with DOJ, XXXX XXXX XXXX CFPB, and FTC. The Experian record was coded XXXX XXXX XXXX XXXX, confirming a portfolio-level access unrelated to any consumer-initiated request. 

In addition, XXXX XXXX furnished false information by marking my account Affected by XXXX XXXX. No XXXX or XXXX declaration applies to me. This false XXXX XXXX reporting code ( XXXX XXXX XXXX ) is misleading and has damaged my credit profile. 

These actions violate FCRA 604 ( a ) ( 3 ) ( no permissible purpose ) and 623 ( a ) ( 1 ) ( inaccurate furnishing ). Because they occurred after protected XXXX and Section XXXX activity, they also constitute retaliation under XXXX XXXX ( a ) and Section XXXX of the XXXX XXXX of XXXX. 

XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX financial assistance through FDIC-insured banking and related federal programs, bringing them within Section XXXX jurisdiction. 

Impact : My credit scores have fallen sharply since XX/XX/XXXX and continue to drop following these unauthorized hard inquiries and false reporting : Experian XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX The XX/XX/XXXX inquiries triggered an additional decline, compounding earlier losses. This ongoing damage has impaired my ability to obtain credit and maintain favorable terms. 

Requested action : XXXX. Delete or reclassify the XX/XX/XXXX inquiries as soft pulls. 
XXXX. Remove the XXXX XXXX coding. 
XXXX. XXXX XXXX XXXX XXXX to produce documentation of its claimed permissible-purpose for each inquiry.

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 2025-10-13 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: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  ) initiated hard credit inquiries with all XXXX  major credit bureaus ( TransUnion, Experian, and Equifax ) without any permissible purpose or authorization. 

There was no new credit application or consent. My account was already in delinquency and under federally documented XXXX and Section XXXX civil-rights complaints filed with DOJ, XXXX XXXX XXXX CFPB, and FTC. The Experian record was coded XXXX XXXX XXXX XXXX, confirming a portfolio-level access unrelated to any consumer-initiated request. 

In addition, XXXX XXXX furnished false information by marking my account Affected by XXXX XXXX. No XXXX or XXXX declaration applies to me. This false XXXX XXXX reporting code ( XXXX XXXX XXXX ) is misleading and has damaged my credit profile. 

These actions violate FCRA 604 ( a ) ( 3 ) ( no permissible purpose ) and 623 ( a ) ( 1 ) ( inaccurate furnishing ). Because they occurred after protected XXXX and Section XXXX activity, they also constitute retaliation under XXXX XXXX ( a ) and Section XXXX of the XXXX XXXX of XXXX. 

XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX financial assistance through FDIC-insured banking and related federal programs, bringing them within Section XXXX jurisdiction. 

Impact : My credit scores have fallen sharply since XX/XX/XXXX and continue to drop following these unauthorized hard inquiries and false reporting : Experian XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX The XX/XX/XXXX inquiries triggered an additional decline, compounding earlier losses. This ongoing damage has impaired my ability to obtain credit and maintain favorable terms. 

Requested action : XXXX. Delete or reclassify the XX/XX/XXXX inquiries as soft pulls. 
XXXX. Remove the XXXX XXXX coding. 
XXXX. XXXX XXXX XXXX XXXX to produce documentation of its claimed permissible-purpose for each inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
CFPB Complaint : Failure to Provide Notice of Debt Under the FDCPA Subject : Midland Credit Management , Inc. failed to send the required written notice of the debt within the timeframe required by the Fair Debt Collection Practices Act ( FDCPA ).

What happened : Midland Credit Management , Inc. contacted me by letter in XX/XX/year> regarding an alleged debt. However, they never sent me the required written notice of the debt within five ( 5 ) days of their initial communication, as required by 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ).

The law requires that a debt collector send written notice that includes : The amount of the debt, The name of the creditor to whom the debt is owed, and A statement of my right to dispute and request validation within 30 days. 

I never received this written notice by mail or electronically within the required timeframe. Because of this failure, I was denied my right to verify or dispute the debt. 



Violation ( s ) : FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) : Failure to provide written notice of the debt within 5 days of the first communication.

FDCPA 807 ( 15 U.S.C. 1692e ) : Misrepresentation and unfair collection practices by attempting to collect without providing proper validation.

Details : Debt Collector : Midland Credit Management , Inc . 
Date of First Contact : XX/XX/year> Method of Contact : Letter Debt Appears on Credit Report : Yes What I am requesting : I request that : XXXX. This alleged debt be removed from my credit reports since it was never properly validated under the FDCPA.

2. The CFPB investigate Midland Credit Management , Inc. for failing to comply with the FDCPAs validation requirements.

3. All collection activity cease until full and proper validation of the debt is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXXXX/XX/XXXXXXXX ( b ) ( XXXX ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) XX/XX/XXXX) : Failure to provide me with the name and contact information of the party who verified the information. XXXX XXXX. XXXX ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BRCLYSBANKDE XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: WA

Complaint narrative:
Dear XXXX Customer Support, I am writing to formally demand the immediate return of my down payment of {$3100.00} paid on XX/XX/XXXX for vehicle XXXX XXXX XXXX XXXX XXXX # XXXX After XXXX processed my payment and confirmed my approval, I was instructed to secure insurance coverage for the vehicle prior to delivery. I complied and purchased a new insurance policy specifically for this car, per XXXX requirements. Shortly afterward, I was informed that my financing was not approved and the sale was canceled. 

Despite this, XXXX retained my down payment and has failed to issue a prompt refund. This delay caused direct and measurable financial harm. Because I was left without the vehicle XXXX confirmed was mine, I was forced to secure a rental car and maintain the insurance policy I had purchased for the canceled transaction in order to preserve my employment and motherhood obligations. 

To summarize the damages : -Down payment of {$3100.00} paid on XX/XX/XXXX -Insurance policy purchased per XXXX request : {$210.00} -Rental vehicle expenses incurred due to cancellation : {$450.00} This situation constitutes a serious failure in both communication and accountability on XXXX part. These are not incidental inconveniencesthey are direct, documentable financial losses resulting from XXXX internal mismanagement and misrepresentation of approval status. 

I am therefore requesting : XXXX. XXXX refund of my down payment to the original payment method XXXX. Full reimbursement for the required insurance policy purchased for the canceled vehicle XXXX. Reimbursement for the rental vehicle expenses incurred due to the delay and cancellation. 

Please confirm in writing that these refunds and reimbursements are being processed and provide exact transaction dates for each. 

If I do not receive written confirmation within XXXX hours, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau ( BBB ) and the Washington State Attorney Generals Office for mishandling consumer funds and engaging in deceptive or misleading business practices. 

I trust XXXX will prioritize resolving this matter swiftly and transparently to avoid further escalation or reputable damage. 

Attached are verified copies of my insurance policy and rental car receipts, which will substantiate the financial losses directly caused by XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Experian is currently reporting an account from XXXX XXXX XXXX XXXX that I have disputed multiple times. Despite my repeated efforts to show that this company has failed to provide proof that I agreed for them to handle my debt or access my personal information, Experian continues to report the account. 

I have submitted detailed complaints, official ID, and even proof that this account is being disputed with other agencies. I have also reached out to the company in question who could not provide documentation proving I ever agreed to any business with them. Despite this, Experian continues to keep this account on my credit report with no verification from the furnisher. 

This has negatively affected my credit and caused serious delays in moving forward with housing and other essential needs. I believe Experian is not maintaining the accuracy of my report as required under the FCRA.

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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XXXXXXXX XXXX reached out to the bank to inform them that money was missing out of my account, and they wouldn't process a refund, and it happened continuously. Which resulted in my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute, Request for Deletion of Unverifiable Accounts, and Request for Consignment Contract and XXXX XXXX Dear TransUnion XXXX Department, Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ), I am formally disputing the following accounts as inaccurate, incomplete, or unverifiable. I am requesting their immediate deletion unless TransUnion can fully validate each item using original source documentation. 

Additionally, under FCRA 609 ( a ) ( 1 ) ( A ), I am requesting full disclosure of all documentation used in the verification of these accounts, including but not limited to : The original consignment or contractual agreement bearing my signature or legal consent. 

The rimsipale ( principal ) purpose and nature of each account as reported or furnished. 

If these records can not be provided, the information must be deleted as unverifiable in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 

Accounts in Dispute : XXXX XXXX XXXX  ( Account # XXXX ) Reported as charge-off with inconsistent dates and unverifiable payment history. Under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted. 

XXXX  XXXX ( Account # XXXX ) Inconsistent reporting and unverifiable charge-off status violate FCRA 607 ( b ) and 611 ( a ). 

XXXX XXXX XXXX ( Accounts # XXXX & # XXXX ) Duplicated charge-off listings violate FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX  ( Account # XXXX ) Incorrect dates and unverifiable reporting violate FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX ( Account # XXXX ) Unvalidated collection reporting violates FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX ( Account # XXXX ) Unverifiable payment history violates FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX ( Account # XXXX ) Conflicting payment and settlement reporting violate FCRA 607 ( b ). 

Bankruptcy XXXX XXXX XXXX XXXX XXXX  ( File # XXXX ) Dismissed bankruptcy is inaccurately reported in violation of FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ). 

Please reinvestigate these accounts and provide complete documentation verifying their accuracy. 
If TransUnion can not verify each item with the original consignment contract, signature authorization, and principal purpose details, the items must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ). 

Enclosed are copies of my ID and proof of address for verification. 

Sincerely, 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I signed up the capital one XXXX  XXXX  XXXX  which promised a welcome bonus at XXXX spent in the first 3 months. 

Just a couple XXXX XXXX  shy meeting the bonus, capital one froze my card. I reached out to them and they said it had a fraud alert. I said the transactions were legitimate but they did not unfreeze my account. Instead they asked for my drivers license and bank statement. I provided both of those then after an extended period they kept asking for more requirements. 

During which period they had no issue collecting monthly payments from me just not allowing me to use the card. 

I ultimately reached a supervisor asked them to reverse the card fee and close my account if they were not going to let me use it. 

The card now says it has a negative balance but I have no way to get that money, and the points that were earned that I was told I also would be able to access for 90 days are also frozen. 

I have been misled from the beginning and no resorting to filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Global Tel*Link Corporation
State: NE

Complaint narrative:
Touchpay is a service families use to send money for their loved ones whos in XXXX. On XX/XX/XXXX I tried to make a deposit of XXXX $ to my sons XXXX, the transaction did not go through and I tried once again, somehow touchpay doubled charged me and when I called customer service they refused to refund me back the additional charge, I requested to speak to a supervisor and I was refused to speak to one, I had to dispute the charge with my bank and now touchpay blocked me and Im not able to deposit money to my sons XXXX  any longer for a mistake they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : XXXX XX/XX/XXXXXXXX ( b ) ( XXXX ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) XX/XX/XXXX) : Failure to provide me with the name and contact information of the party who verified the information. XXXX XXXX. XXXX ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BK OF AMER XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX and XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-13 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: GA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX and XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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