vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: MS

Complaint narrative:
This Debt does not belong to me! It is fraudulent or the result of identity theft! Credit reporting agencies must be held accountable for putting fraudulent debts on consumer credit reports.

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 2025-08-10 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: MS

Complaint narrative:
This Debt does not belong to me! It is fraudulent or the result of identity theft! Credit reporting agencies must be held accountable for putting fraudulent debts on consumer credit reports.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital One regarding unfair and potentially predatory interest charges on my account. 

Despite making timely payments and attempting to pay off my balance in full, Capital One has continued to charge me compounded interest on both the outstanding balance and the interest I have already paid. This practice has resulted in inflated interest charges, making it nearly impossible for me to clear my debt entirely. 

Specifically : I was charged approximately {$4.00} in interest for one month on a principal balance of {$7.00}, which equates to an excessively high effective interest rate far exceeding the disclosed Annual Percentage Rate ( APR ) of 31.24 %. 
Capital One appears to be forcing me to maintain a minimum balance on my account, even when the balance is very small ( under 3 % of the total amount owed ), or in some cases when the balance is fully paid off. 
They charge interest on that minimum balance plus previously accrued interest, effectively charging interest on interest ( compound interest ). 
Even after making payments to reduce or clear the balance, Capital One continues to apply compounded interest on interest I have already paid. 
These practices were neither clearly disclosed nor adequately explained to me. 
I believe these actions violate consumer protection laws and constitute unfair, deceptive, or abusive acts or practices ( UDAAP ). I respectfully request that the CFPB investigate Capital Ones interest calculation methods and lending practices to ensure they comply with all applicable laws and regulations. 
Enclosed are copies of relevant statements and correspondence with Capital One for your reference. 

Thank you for your attention to this matter. Please let me know if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Transunion falsely reported to XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX credit service and XXXX XXXX monitoring services my loan with Bridgecrest increased by XXXX and provided an incorrect balance of XXXX. I just paid XXXX on my balance with bridgecrest on XX/XX/XXXX th leaving my balance XXXX. Transunion drop my score 34points and continues to violate my rights as a consumer, I constantly receive emails stating Im getting this crypted code to login my account then right after this false report was made dropping my score again this is the third time I have experienced this with Transunion data breach and false updates provided to creditors.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Last 4 of SSN # XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : AFFIRM Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
On XX/XX/XXXX, I obtained my ChexSystems consumer report and discovered numerous inquiries that I did not authorize or that were obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

While my report contains no negative Reported Information or unpaid accounts, the following inquiries are listed and are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of these companies I have never applied with or had any prior relationship with. Excessive or unauthorized inquiries harm my ability to open bank accounts and obtain credit, creating an unfair and inaccurate portrayal of my financial risk. 

I am requesting a full reinvestigation under 15 U.S.C. 1681i, removal of any inquiries that can not be verified with documentation proving permissible purpose, and an updated consumer report reflecting any deletions.

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 2025-08-10 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The credit reports for my Santander Consumer USA auto loan ( opened XX/XX/year>2023 ) contains inaccurate reporting, including late payment marks for months I made payments, invalid date entries in payment history, inconsistent high balance reporting, and missing key loan terms. These violate the Fair Credit Reporting Acts requirement for accurate and complete, I request full deletion of this account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for furnishing incomplete, misleading, and factually inaccurate credit information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ). 

The account is reported on my Experian credit report as a mortgage opened on XX/XX/XXXX, with foreclosure proceedings and a past-due balance of {$5300.00} as of XX/XX/XXXX. Experians file shows the last payment date as XX/XX/XXXX and months of delinquencies. 

My XXXX XXXX XXXX XXXX statements clearly prove that I made payments to XXXX XXXX XXXX after the dates they report and that I made multiple on-time payments prior to delinquency. For example : XX/XX/XXXX {$230.00} payment ( XX/XX/XXXX statement ) XX/XX/XXXX {$230.00} payment ( XX/XX/XXXX statement ) These payments were not reflected in the reported payment history. XXXX XXXX has omitted months of on-time payments and only reported delinquencies, materially misrepresenting my credit history. This is incomplete and misleading reporting that has caused damage to my creditworthiness. 

I have already disputed this with Experian and through a prior CFPB complaint, and XXXX XXXX verified the false information without correcting the record or providing proper documentation. This shows either a failure to investigate under FCRA 623 ( b ) or an intentional act of furnishing false data.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am formally disputing the alleged debt that Synerprise Consulting is reporting in my name. I have not received any written notice of this debt within five ( 5 ) days of your initial communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This is a direct violation of federal law. 

In compliance with the FDCPA, I demand that you provide : The full name and address of the original creditor. 

A copy of the original contract or agreement, bearing my signature. 

A complete and unbroken chain of title, including notarized assignments and any transfers from the original creditor to Synerprise Consulting.

The Forward Flow Agreement governing the sale or transfer of the alleged account.

Proof that Synerprise Consulting has legal standing to collect this debt. 

A detailed, itemized accounting of the amount claimed, including principal, interest, fees, and other charges. 

Case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) confirms that proper documentation is required to prove ownership and the right to collect. 

Until this documentation is provided and verified, you must immediately cease all collection activity and remove any negative tradelines related to this account, pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). 

Failure to comply will result in legal action, including claims for statutory and actual damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and applicable state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MS

Complaint narrative:
I tried to deposit a check that my aunt sent me she lives out of state I looked at their guidelines and everything that was on their guidelines checked off okay so I've done this before with their company and they deposited my check and this time they won't deposit it and won't tell me why and I am unable to get another check and no one will cash it because they asked me to write on the back deposit only for cash app so no bank will take it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, Bank of America seized {$1300.00} from my checking account pursuant to a legal order ( levy ) from the Michigan Department of Treasury. These funds were removed from my account immediately. 

However, Bank of America did not mail the notification letter to the state until XX/XX/year> XXXX days after the XXXX and did not mail the actual payment check to the state until XX/XX/year> twenty-one days after the XXXX. 

This lengthy delay has caused severe financial hardship. Because the state has not yet received and processed the payment, they are continuing to levy my account, including my paychecks, putting me at risk of being over-levied for more than I owe. In the meantime, I have been left without access to essential funds, unable to pay rent on time, and struggling to purchase basic necessities. 

Additional concerns : Bank of Americas policy of sending levy notifications and payments only by physical mail, with no option for electronic delivery, directly harms consumers. If this notification had been sent promptly and by fax or email, the Michigan Department of Treasury could have processed the payment and removed the levy before additional harm occurred. 
Bank of America has refused to provide me with a copy of the levy documentation they sent to the state. Without this, I can not give the state the proof they require to stop further levies, which prolongs and worsens the harm to me. 
Multiple customer service representatives acknowledged that the payment was sent but would not provide any written confirmation, fax, or email, and could not send a copy to a local branch for pickup. 

Had Bank of America sent the notification promptly and in a faster format, this entire hardship could have been avoided. I am requesting : 1. An investigation into Bank of Americas delay in remitting seized funds and providing documentation.

2. A change in policy to allow levy notices to be sent electronically to the appropriate agency to prevent unnecessary harm to consumers.

3. Compensation for the financial harm caused by these delays, including any over-levies that occur as a result.

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 2025-08-11 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: MT

Complaint narrative:
I am filing this formal complaint against the credit reporting agency and the furnisher, XXXX XXXX XXXX XXXX, for willful and unlawful access to and reporting of an account on my credit report without a valid permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The account in question, XXXX XXXX XXXX XXXX XXXXXXXX, was reported on my credit file despite the fact that I never applied for, initiated, or authorized any transaction or credit inquiry with this entity. No permissible purpose exists under 1681b ( a ) to justify this access or reporting. This conduct violates 1681b ( f ), which prohibits obtaining or using a consumer report without lawful purpose, and constitutes a willful and reckless disregard of my consumer rights. 

Upon reviewing my credit reports, I discovered this unauthorized entry, which has damaged my creditworthiness, invaded my privacy, and caused significant emotional and financial harm. My right to financial security has been compromised, and I have been forced to spend time and resources to address a matter that should never have occurred. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled that pulling a credit report without a valid permissible purpose under the FCRA is a willful violation. Additionally, multiple lawsuits filed in XXXX  against credit bureaus for continuing to report or allow access to consumer reports after removal requests confirm that such actions are also considered willful and actionable breaches of FCRA obligations.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Final Demand to XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX RE : Final Demand Failure to Instruct TransUnion to Delete Fraudulent Accounts This dispute involves the following XXXXDepartment of Education accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Balance : {$1200.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$4000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance : {$3000.00} ) This is my final written demand regarding your continued furnishing of multiple fraudulent student loan accounts On XX/XX/XXXX, I submitted : 1. A valid FTC Identity Theft Report 2. Government-issued identification 3. A detailed statement identifying the accounts as fraudulent Under FCRA 605B, upon receipt of this documentation, you were required to instruct all credit reporting agenc Your continued reporting constitutes : - FCRA 605B ( c ) failure to block without reasonable grounds - FCRA 623 ( a ) ( 1 ) ( A ) furnishing information you know to be inaccurate - FCRA 623 ( a ) ( 2 ) failure to update and correct information - FCRA 623 ( a ) ( 3 ) failure to note disputed status - FCRA 623 ( b ) failure to reasonably investigate after notice from a CRA You have also engaged in stall tactics by demanding documents not required under the law. The FTC Identity T DEMAND FOR RESOLUTION I demand that you immediately instruct TransUnion to delete these fraudulent tradelines. If you refuse to delete, Failure to comply within 10 days of receipt will result in : - Arbitration against XXXX and its parent entities- Federal lawsuit seeking statutory and actual damages under the FCRA - Complaints to the CFPB, FTC, and State Attorney General This is your final opportunity to comply voluntarily. 
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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX, ( represented person ) sound mind and human vessel, Was in distress on XX/XX/XXXX thinking that XXXX XXXX XXXX, Fiduciary, ( XXXX XXXX XXXX ) was giving a vehicle to me, not knowing that my vehicle was giving to Credit Acceptance Corporation using my trust credits and forcing me under contract without my signature but an computerized signature ( XXXX XXXX XXXX ) to pay them in fait currency in order to own a vehicle that was already supposed to be mine, XXXX XXXX, in good faith. I was been violated by them according to ( XXXX USC XXXX ). I was giving XXXXXXXX XXXX XXXX insurance, waiver number # XXXX which clearly states that my vehicle is paid in full and should be in my presence but I was forced to give my vehicle to a third party that is trying to sell my vehicle without my approval by XX/XX/XXXX but have already reported my vehicle to all the credit bureaus as an closed account and repossession. Also, this Company, Credit Acceptance Corporation has already been reported due to engaged in deceptive practices, misrepresenting loan terms and taking advantage of ( represented persons ) such as I, 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