vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I deposited a U.S. Treasury Social Security Disability Insurance ( SSDI ) check at a Capital One branch. The teller informed me that the funds would be available the following day. Instead, Capital One placed an extended hold until XX/XX/XXXX, 2026approximately 60 days. 

This is my federal disability income and my only source of funds. The prolonged hold has created significant financial hardship, especially during the holiday season. 

When I contacted Capital One for clarification, I was transferred multiple times between Escalation Management, Customer Protection, and other departments. Each department gave inconsistent and contradictory explanations regarding the nature and legality of the hold : One representative said it was a Regulation CC hold and that Capital One has the right to hold the check for 60 days. 
Another representative stated that no Regulation CC code exists on the hold, contradicting the previous explanation. 
Multiple representatives referenced a payee name mismatch but refused to specify which characters or details supposedly did not match, even when I provided the physical check and my ID. 
I requested a manual check-image verification to clear the alleged mismatch ; this was refused. 
I requested the required written notice stating the reason for the hold ; I was told repeatedly that they do not have to provide that information. 
I asked to be escalated to the appropriate internal teamsDeposit Check Exceptions, Deposit Risk Management, or Executive Customer Relationsand was told these teams do not accept calls, or that there was no higher department. 
Staff contradicted each other about the nature of the hold ( Reg CC vs. internal hold ) and refused to provide the factual basis required under federal law. 

Throughout these calls, Capital One failed to provide the required information under the Expedited Funds Availability Act and Regulation CC. They refused to disclose the specific reason for the hold or the alleged mismatch, refused proper escalation, and refused to issue the mandated written notice. 

I am a XXXX SSDI recipient on a fixed income, and the withholding of my federal benefits for 60 days without a valid, stated reason has caused financial and emotional hardship. 

I am requesting CFPB review and immediate correction of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a complete Identity Theft / Mixed File dispute packet to the credit bureau via XXXX XXXX. The packet included an FTC Identity Theft Report, government-issued ID, SSN documentation, proof of address, and a detailed list of all fraudulent and inaccurate accounts reporting on my file. 

In my written dispute, I requested : Blocking of all fraudulent information under FCRA 605B A reasonable investigation under FCRA 611 The credit bureau has failed to block the fraudulent accounts within the required 4 business days, and there is no evidence that a proper investigation has been conducted. The fraudulent accounts are still reporting, and my personal information remains incorrect. 

I am requesting CFPB assistance to ensure the bureau complies with federal law, blocks the fraudulent accounts, corrects my personal information, and conducts a lawful, reasonable investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccuracies and disputes in my credit report. Below are the accounts that I am disputing with the respective credit bureaus. I respectfully request that these issues be reviewed and corrected. 

Charged Off AccountsXX/XX/XXXXXXXX

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Company is wrongly attempting to collect a debt that they have not legally verified. They have been reporting falsely to the credit bureaus for years. Ive attempted to dispute the alleged debt through certified mail multiple times. The company either sends the wrong information back to me, or completely ignores my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing regarding a collection notice I received from On Line Information Services for an account allegedly associated with Discount Power. The notice listed a name that does not match mine. I disputed this debt with the collection agency and successfully had it removed from my credit reports.

This debt was never mine and no Validation of Debt was given on request. Therefore, I request written confirmation that : This account is closed.

No further collection attempts will be made.

No negative information will be reported to any credit bureau.

Additionally, I spoke with On Line Information Services to make aware and under the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as a formal Cease and Desist notice. You and any affiliated collection agencies must immediately stop all communication with me regarding this account, except to confirm closure or comply with legal requirements.

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts contain inaccurate or incomplete information. I request that these accounts be investigated and corrected or removed immediately if they can not be verified. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I am submitting this dispute in response to inaccurate information reported on my credit reports by the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and TransUnion ( XXXX ). Below is a list of the accounts I am disputing. I respectfully request that these accounts be investigated, corrected, or removed if they are found to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like this account to be remove from my credit report so my account can update accurately ACCOUNT XXXX XXXX I am writing to have the following information remove from my credit report. the items that I need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that I did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate credit reporting for the following accounts. The accounts listed below have discrepancies that I would like to bring to your attention. These accounts are being reported incorrectly, and I am requesting a correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My phone was stolen on XX/XX/year> and my paypal was used fraudulently to send money to someone named XXXX XXXX. They tried to send themselves multiple {$1000.00} payments. These were not authorized by me and I sent them all the information showing my phone was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: HI

Complaint narrative:
Earlier this year I had multiple operations and during that time someone gained access to my XXXX XXXX. The XXXX store in XXXXXXXX XXXX confirmed it compromised. Then someone posing from XXXX called me. At first I noticed auto withdrawal from business accf at XXXX XXXX XXXX. To a company that did not exsist. This they corrected. Then about XXXX weeks ago I noticed a XXXX withdrawal going to XXXX XXXX. After looking at XXXX XXXX acct I saw they had tried many times to withdrawal funds. Upon advice from local bank I went back thru my bank acct and found that someone had been using my XXXX XXXX and even sending money supposedly to myself. I do not have any acct set up to withdraw funds from that app nor do I have a XXXX XXXX card. XXXX XXXX has been contacted and they believe my acct to have been taken over. I disputed all the charges with first citizens who requested my dispute. I have since filed a dispute if the dispute. During this time I could not use my email that was associated with XXXX XXXX. I only got that freed up and new passwords sets in the last few days. I had to have a new sim plug in my phone at t mobile as well as have my phone repaired twice. My I cloud and I pad that they used to hack my acct is trash. I filed report with FTC and FBI. The amount XXXX XXXX withdrew was over XXXX XXXX dollars so its not a small issue at least to me. At this point my bank accts are frozen and I even have a letter from local first citizens about the fraud. I dont know how the fake XXXX XXXX did it but my XXXX XXXX shows my identity verified and it shouldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MA

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and XXXX have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting. 
As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns. 
The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Date : XX/XX/year> Comenity Capital Bank provided me with false information about my Forever 21 account. When I called customer service, the representative told me I only had one delinquency and that if I paid the account in full, the late payment would be removed from my credit report. I relied on this information and immediately paid the balance. After paying, I called in at a later date to verify if the delinquency was removed. She told me after a received payment, it would be removed after 10 days. I discovered there were actually two delinquencies and nothing was removed as promised. This is inaccurate and misleading reporting, and I was misinformed by their representative. I am requesting correction of the reporting and removal of the late payments due to the misrepresentation and the fact that I acted based on false information provided by Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 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:
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 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am demanding the immediate removal of several fraudulent credit inquiries that appear on my credit report. These inquiries were made without my knowledge, without my consent, and with absolutely no permissible purpose. I did not authorize them period.

This is a clear case of identity theft. I have never had any dealings with the companies that pulled these inquiries, nor did I apply for credit with them. I discovered them only after reviewing my credit report, and I was shocked to see that someone had accessed my credit file without my permission.

Under 15 U.S. Code 1681c-2, I have the legal right to request the blocking and removal of any item on my credit report that is the result of identity theft. Thats exactly what Im doing here. These inquiries are not just errors they are fraudulent, and they have no business being associated with my name or my credit history.

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