vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-29 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: TN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian, Equifax and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited a legitimate check from XXXX for {$1500.00} into my Capital One checking account on XX/XX/year>, through mobile deposit. This check is from a XXXX ( b ) hardship withdrawal from my retirement account, and I even paid {$40.00} for expedited overnight delivery due to urgent financial need. 

Under Regulation CC, the first {$270.00} of a check must be made available by the next business day. A Capital One manager initially confirmed this release during a recorded call. However, I was later told that no funds would be released violating Regulation CC. 

Capital One also justified the hold by citing a previous check release from XXXX, even though that check was not returned, not fraudulent, and never disputed. I have never had any returned checks and maintain a positive account history. 

Capital One filed internal complaint Case # : XXXX, but the issue remains unresolved. I requested the immediate release of {$270.00} as required, or the full funds due to verified hardship and my long-standing history with the bank. 

Additionally, I raised concern about possible discriminatory treatment, as I feel that Ive been treated with unusual suspicion despite the legitimacy of the deposit. 

This experience has been distressing and has made my hardship worse exactly what this regulation is meant to prevent. 

I am requesting CFPB review Capital Ones violation of funds availability regulations and ensure I receive fair and lawful treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-29 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Accounts : ( Multiple accounts ) # XXXX # XXXX # XXXX Accounts are inaccurate, unverifiable, and materially misleading and their continued reporting violates multiple FCRA practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Final payment to commodity was mailed on XX/XX/year> processing for commodity took long which in turn made payment late. XXXX refused to refund late fee although processing on there end took longer since mailed check had to be turned into a convenience check. XXXX due date XX/XX/XXXX processed XX/XX/XXXX. Spoke to representative when {$30.00} late fee came in mail for it to be reversed and account closed since payment was made in full. Representative said no since then had given XXXX in XXXX of XXXX. I explained to representative this is why I had mailed the payment in full because I did not want to be late again but wanted a copy of my final payment to them in a check form as I did not trust there practices. XXXX refused. Asked to speak to supervisor since I believe this practice was unfair due to there processing time for mailed payments. Was told to write a letter of complaint and ask for refund and closing of account did so in XXXX and now commodity continues to stack late fees totaling over {$160.00} with no communication for resolution and harassing emails/ call continue to take place although I ask to bring resolve to questionable processing time in there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dispute Letter ( Identity Theft Allegation / Reinvestigation Request ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To : ChexSystems, XXXX. 
Attn : Consumer Relations XXXX. XXXX XXXX XXXX, MN XXXX Re : Formal Dispute of Fraudulent Entry XXXX Account # XXXX under FCRA Dear ChexSystems XXXX Department, I am writing to formally dispute the accuracy and legitimacy of the following item reported on my ChexSystems file : Creditor : XXXX, California Account Number : XXXX Reported Balance : {$910.00} Date of Closure : XX/XX/year> Status : Unpaid / Suspected Fraud Activity I have no knowledge of this account and did not authorize its creation or use. I suspect this entry XXXX be the result of identity theft, and it is causing serious harm to my ability to obtain financial services. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you initiate a full reinvestigation under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to dispute inaccurate or incomplete information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate data 15 U.S.C. 1681c-2 ( a ) Obligation to block fraudulent data upon identity theft documentation If you or the furnisher ( XXXX ) XXXX not verify this account with proper documentation ( such as a signed application or usage history linked to my verified identity ), this entry must be removed from my consumer file. 

Additionally, please find attached : A copy of my government-issued ID Proof of address If applicable : a signed identity theft affidavit or police report ( to be sent upon your confirmation ) Please conduct a thorough reinvestigation within the XXXX window mandated by 15 U.S.C. 1681i ( a ) ( 1 ) and notify me in writing of the results. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX Drivers License : 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 2025-07-29 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: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-29 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: NC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-29 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am disputing XXXX unauthorized hard inquiries reported by Experian on XX/XX/year> : XXXX XXXX XXXX XXXX and another from XXXX XXXX. I did not apply for credit with either of these institutions, nor did I authorize them to access my credit file in any form. These inquiries were added without a permissible purpose, without my written consent, and are not linked to any open or closed account. 

Under FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a consumer reporting agency may only provide a credit report when there is a valid permissible purpose. Experian has not provided any signed authorization or proof that these inquiries were initiated by me. This constitutes a violation of FCRA Section 609 ( a ) ( 1 ), which gives me the right to full disclosure of the origin, purpose, and authorization for any item in my file. I submitted a direct dispute under FCRA Section 611 ( a ) requesting deletion of the inquiries unless Experian could verify them with documentation. They failed to do so.

Additionally, these inquiries violate Metro 2 inquiry reporting format guidelines. The entries lack required classification codes, no permissible purpose identifiers are attached, and the reporting fields are incomplete and vague ( labeled " non-specific '' ). As such, these records do not meet Metro 2 data integrity standards and fail Experians obligation under FCRA Section 1681e ( b ) to maintain reasonable procedures to ensure maximum possible accuracy.

Experian has a heightened duty to investigate and prevent further misuse of my file, especially after receiving written notification of a potential breach-related incident.

Despite the dispute being filed timely, Experian failed to provide supporting documentation or delete the unverifiable inquiries within the required timeframe under the FCRA. As a result, Experian is now in willful noncompliance under FCRA Section 616, and negligent noncompliance under Section 617, which makes them liable for any actual or statutory damages caused by inaccurate or incomplete 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 2025-07-29 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: TX

Complaint narrative:
The questions seem unauthorized and surprising. Immediate attention to the attached documents is needed.

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 2025-07-29 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged unfair bank fees for approximately 10 months. See attached for dates and amounts deducted from my savings account.

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 2025-07-29 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: PA

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NY

Complaint narrative:
I applied for a replacement card on XX/XX/year> which was never received after the fourteen days period. I contacted the company and was told that the card was lost in the mail and that I needed to reorder a replacement card. The agent walked me through the steps verifying my address and information. I followed all the instructions and still no card was received. I ordered replacement cards on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year>. Each time I reached out to the company and was told to reorder a card since I did not receive the one ordered. I received a message in the app yesterday informing me that my card could not be delivered- which was on the thirteenth day after the card was mailed. I contacted them today XX/XX/year> and was told to reorder a card. I asked to speak to a manager or supervisor and was told that they only communicate through email. I keep getting apologies every time I contact them but no one is able to tell me where my card is or if it has been returned to them or exactly what is happening with it. The agents do not listen to my complaints, nor try to understand, but simply read from a script, which does not explain the reason for my concerns or offer a feasible explanation or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
In XXXX of XXXX, I entered into a contract with Byrider XXXX XXXX XXXX. I financed {$16000.00}, it was not explained to me that I would be paying almost the same amount in interest. I have since paid a total of {$16000.00} ( {$10000.00} in finance fees and {$5700.00} to the principal amount ). I have since learned that my interest rate of 23.998 % is above the state legal limit of 21 %. The vehicle itself is overpriced and was at the time of purchase. It is a XXXX XXXX XXXX that had at the time of purchase over XXXX miles. I have experienced many issues with the vehicle as well that Byrider refused to fix or warranty.

Company response to consumer: Closed with explanation