vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
On XX/XX/year>, I made a payment from my XXXX XXXX  bill pay to XXXX XXXX  credit card in the amount of XXXX. This payment cleared my bank, but XXXX XXXX  indicates they never received the payment. I have sent them proof of payment 3 times now, once through regular postal mail and twice on their website. They continue to state that they have not received this payment and refuse to accept the proof I have sent. My credit score has dropped XXXX points this month due to this problem, although I was told in a message on the website for the company that my account would not be active until the problem was resolved. This has been going on for entirely too long. I have paid the complete balance of this credit card, and I get no support from XXXX XXXX  or XXXX XXXX when I call to take care of this, which I have done at least 15 times over the past 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to request immediate assistance locating a missing {$5000.00} transfer related to XXXX trace numbers listed below. 

I deposited {$5000.00} into my Capital One account from another bank account two separate times. Capital One then reversed these transfers. I have confirmed that two of the {$5000.00} transfers were returned to my originating bank account, but one {$5000.00} transfer is still missing. 

Additionally, Capital One withdrew {$5000.00} from my bank account without my authorization, and I am unclear why this occurred. 

The only information I have available are the following trace numbers : XXXX XXXX XXXX I am requesting that you locate each trace number and confirm the final destination of each transaction, and ensure that all funds are properly credited back to my bank account. 

Please provide written confirmation once each trace has been resolved. This issue has resulted in a {$5000.00} discrepancy, and I would appreciate this being treated as urgent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I paid {$370.00} through PayPal for a custom goalie helmet wrap on XX/XX/XXXX with a promised XXXX week delivery. It arrived XX/XX/XXXX, late and defective ( peeling, misaligned graphics, chipping after first use ). 

I requested a refund on XX/XX/XXXX. The seller admitted issues and promised a {$100.00} refund but never sent it. I also learned I was charged for a backplate harness that was never provided, which the seller admitted.

I opened a PayPal dispute with photos and screenshots. PayPal denied the dispute and the appeal, saying it was not covered, without addressing the defects or the missing item. I am requesting review and a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
This is a continued complaint against Republic Finance , LLC regarding ongoing financial harm resulting from an installment loan and the companys failure to provide meaningful hardship relief. Although Republic Finance previously responded to an earlier CFPB complaint and CFPB marked the matter Closed with Explanation, the issue remains unresolved and borrower harm continues.

Since 2021, I have made years of payments ; however, due to the loans structure and interest accrual, there has been minimal meaningful principal reduction. The hardship modification Republic Finance references was temporary and did not resolve financial distress or make the loan sustainable. I continue to experience prolonged debt burden and emotional and financial stress.

Republic Finances prior CFPB response emphasized internal policies rather than addressing the actual harm to the consumer, lack of meaningful restructuring options, and continued aggressive servicing approach. While the company claims compliance, actual borrower impact remains harmful in effect. 
I respectfully request renewed CFPB review, supervisory attention, and oversight to ensure : Review of whether Republic Finances lending/servicing practices contribute to prolonged debt entrapment Review of interest accrual and application transparency Consideration of whether hardship accommodations are fair and reasonable Confirmation that the company is not misrepresenting consumer disputes as resolved when harm persists This complaint is submitted in good faith as a Georgia borrower seeking reasonable fairness, transparency, and relief consistent with consumer protection expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and misleading accounts currently appearing on my EXPERIAN credit report. Despite my good-faith efforts to dispute these errors, the information continues to be reported in a manner that is incomplete, unverifiable, and inconsistent with governing credit reporting standards. These inaccuracies are materially harmful and negatively affect my creditworthiness, constituting violations of U.S. FEDERAL LAW, THE FAIR CREDIT REPORTING ACT ( FCRA ), and CALIFORNIA STATE LAW.

Under the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681E ( B ), 1681I, AND 1681S-2 ), consumer reporting agencies and furnishers are required to ensure MAXIMUM POSSIBLE ACCURACY, conduct REASONABLE REINVESTIGATIONS, and report only information that is COMPLETE, ACCURATE, AND VERIFIABLE. Additionally, the CONSUMER DATA INDUSTRY ASSOCIATION ( CDIA ) METRO 2 REPORTING GUIDELINES mandate uniform and accurate reporting of account statuses, payment histories, and charge-off classifications. The continued reporting of inaccurate late payments and charge-offs demonstrates a clear failure to comply with these federally mandated duties. 

The accounts in dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these accounts contains inaccurately reported late payments or charge-off statuses that can not be substantiated with competent evidence. As such, these entries fail to meet the verification standards required under the FCRA and METRO 2 COMPLIANCE REQUIREMENTS.

Furthermore, these reporting failures constitute violations of CALIFORNIA STATE LAW, including the CALIFORNIA CONSUMER CREDIT REPORTING AGENCIES ACT ( CCCRAA ), CALIFORNIA CIVIL CODE 1785.11, 1785.14, AND 1785.25 ( A ), which prohibit the reporting of information that is inaccurate, incomplete, or not corrected after notice of dispute. California law imposes heightened duties on both furnishers and consumer reporting agencies to promptly delete or correct unverifiable or misleading information. 

The continued publication of these inaccuracies by EXPERIAN and the above-named furnishers, despite proper notice of dispute, reflects systemic noncompliance with U.S. FEDERAL LAW, THE FAIR CREDIT REPORTING ACT, CALIFORNIA CIVIL CODE, and INDUSTRY REPORTING STANDARDS. I hereby demand an immediate and thorough reinvestigation of all disputed accounts and the deletion or correction of any information that can not be verified as accurate and complete. Failure to comply may result in further regulatory complaints and pursuit of all available legal remedies.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
This letter constitutes my formal dispute of one or more collection accounts currently being reported on my consumer credit file. I am exercising my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

The collection accounts in question are inaccurate, incomplete, and can not be verified. To date, no original signed agreement, itemized accounting of the alleged debt, or legally sufficient proof of ownership has been produced to substantiate either the validity of the debt or the authority to report it. The continued reporting of unverifiable information is a direct violation of the Fair Credit Reporting Act, including but not limited to 1681i ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to ensure maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am writing to file a dispute regarding the following accounts listed on my credit report. I request that these items be investigated and corrected. Below are the details of the accounts in question, separated by bureau. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TX

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 explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
I am filing this complaint as a consumer disputing inaccurate and unverified information on my Experian credit report. I am actively working to correct my credit, and these items are preventing my report from being accurate. 

Charged-Off / Collection Accounts The following accounts are being reported negatively and are disputed due to accuracy and verification concerns : XXXX XXXX XXXX  Account # XXXX ( Reported XX/XX/XXXX, Balance {$11000.00} ) XXXX XXXX Account # XXXX ( Reported XX/XX/XXXX, Balance {$600.00} ) XXXX  XXXX XXXX Account # XXXX ( Reported XX/XX/XXXX, Balance {$500.00} ) XXXX Account # XXXX ( Reported XX/XX/XXXX, Balance {$680.00} ) I dispute these accounts because I have not been provided with documentation showing that the balances are accurate or that Experian has properly verified the information with the original creditors. 

Hard Inquiries The following inquiries appear on my Experian report, and I do not recall authorizing them : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am requesting verification of permissible purpose for these inquiries or their removal. 

XXXX XXXX XXXX XXXX Account # XXXX The late payment information reported for this account is inaccurate and does not reflect my understanding of the account history. 

I am requesting that Experian conduct a full reinvestigation and remove or correct any information that can not be verified or is inaccurate.

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 2025-12-29 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: ID

Complaint narrative:
I am submitting this dispute regarding the accounts listed below. Please note that the information provided is based on my records, and I request that the bureaus review and rectify any inaccuracies. I am seeking to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and request that these items be investigated and corrected accordingly. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 2025-12-29 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: IL

Complaint narrative:
I am writing to dispute the information in my credit report from the credit bureaus listed below. The inquiry in question is inaccurate or unauthorized. Please review and take corrective action by removing it from my credit report. 

I am disputing the following inquiry listed in my Experian credit report : Account Name : XXXX XXXX Date : XX/XX/year>

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding debt collection and reporting actions taken by XXXX, XXXX XXXX XXXX XXXX XXXX in connection with a default judgment entered against me in the XXXX XXXX of New Jersey, XXXX XXXX. 

A default judgment was entered on XX/XX/year>, in the amount of approximately {$1500.00}. I was never personally served with a Summons and Complaint, nor was any member of my household served. I received no notice of any lawsuit, court date, or opportunity to respond prior to judgment. 

At all relevant times, I resided at the address where XXXX, XXXX XXXX XXXX claims service occurred. My wife also resides with me at that address. No process server ever appeared at my residence, and no legal papers were delivered to me or to any member of my household. I did not evade or avoid service. 

I first became aware of this lawsuit and judgment when my employer informed me that my wages were being garnished. XXXX wage garnishment payment has already been taken from my paycheck. 

Under New Jersey Court Rule 4:50-1 ( d ), a judgment entered without proper service is void. Because I was never served or notified, the judgment was entered in violation of my due process rights. I am currently filing a Motion to Vacate Default Judgment and Stay Wage Garnishment pursuant to Rule 4:50-1 ( d ). 

Additionally, the actions taken by XXXX, XXXX XXXX XXXX raise concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires that information furnished to consumer reporting agencies be accurate and not misleading. Reporting or using a judgment obtained without proper service, notice, or opportunity to be heard may constitute the furnishing of inaccurate or incomplete information, in violation of 15 U.S.C. 1681s-2 ( a ). 

By pursuing wage garnishment and potentially furnishing information regarding this judgment without ensuring that proper service and notice occurredXXXX XXXX XXXX XXXX XXXXXXXX engaged in conduct that deprived me of the ability to dispute the debt or defend myself prior to adverse action. 

I respectfully request that this matter be reviewed for violations of applicable consumer protection laws, including the Fair Credit Reporting Act, and for improper debt collection practices related to lack of service, lack of notice, and the initiation of wage garnishment without due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MI

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 any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation