vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This company is violating my rights and haven't verified my information under 12 CFR 1006.34 ( Bb ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them and they're violating my rights. I'm entitled to {$1000.00} for every violation I listed. The company needs to either pay me or delete account immediately.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is violating my rights and haven't verified my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them and they're violating my rights. I'm entitled to {$1000.00} for every violation I listed. The company needs to either pay me or delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, my direct deposit of {$2600.00} was deposited into my checking account. As of XX/XX/year> ( XXXX business days later ), Santander Bank continues to unlawfully hold these funds without proper legal justification.

Direct deposits are electronic transfers that should be available immediately or by the next business day under federal banking regulations. Santander 's 5-day hold violates Regulation CC ( 12 CFR 229 ) governing deposit availability and the Electronic Fund Transfer Act ( 15 USC 1693 ).

When I contacted the bank requesting explanation for the hold, they failed to provide the written notice required under federal law specifying the reason for the hold and expected release date. Under Regulation CC, banks must provide proper disclosure when placing holds on deposits.

This prolonged hold is causing immediate financial hardship as I can not access my own wages. The bank has violated multiple federal banking regulations by : ( 1 ) holding a direct deposit beyond legal timeframes, ( 2 ) failing to provide required written notice of the hold, and ( 3 ) failing to provide legal justification when requested.

I have sent legal demand to bank executives today demanding immediate release of funds. I am requesting CFPB investigation of these clear federal banking law violations and immediate resolution requiring fund release.

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 2025-08-20 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: River Financial Inc.
State: MA

Complaint narrative:
Hello, I linked my bank account to buy XXXX from RIVER financial inc. on XX/XX/XXXX i added XXXX XXXX only purchased XXXX by XXXX and decided to take back the XXXX but they said wait a week till the money settles down in the account i waited till XX/XX/XXXX after so many emails they said before transfering any money a quick survey, so I replied back that my experience was not good I guess am going to take back my money and XXXX, and here 's the shock 2 minutes later on XX/XX/XXXX I have found an email that they closed my account and have a full custody over all my money and XXXX and I will have no more access to customer service or the money. Now I need help please and thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 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: FL

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 there 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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: VA

Complaint narrative:
I signed up for XXXX and made initial payments, but I never received the aligners I paid for. I contacted XXXX multiple times via email and phone to request resolution, but the treatment was never delivered. 

I have email records showing that I tried to contact the company about the missing aligners. They never fulfilled the service. 

XXXX responded to my dispute by only providing the original contract and payment records. That is not valid debt validation under the FDCPA. They have not proven the service was rendered or that the debt is collectible. 

This debt is invalid and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XXXX BANK XXXX XXXX XXXX AMOUNT {$1300.00}. 
ALLY FINANCIAL OPEN XXXX AMOUNT {$10000.00}. 
XXXX XXXX XXXX OPEN XXXX {$58000.00} I AM A VICTIM OF IDENTITY FRAUD IVE BEEN TRYING TO REACH OUT TO CREDITORS MANY TIMES TRYING TO RESOLVE AND DELETE FROM MY CREDIT REPORT AND THEY HAVE NOT RESPONDED BACK WITH PROOF OF OWNERSHIP AFTER I DID NOT ATHORIZE THESE ACCOUNT TO BE OPEN UNDER THE FAIR CREDIT ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A bank account was opened in my name with Truist Bank. It is fraudulent. I had no knowledge of this 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 2025-08-20 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: FL

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bright Capital Inc
State: VA

Complaint narrative:
Bright money took {$39.00} off of my XXXX account and I really need that to pay my phone bill I requested a refund on the XXXX but I still haven't gotten it yet and it's not showing as pending on my account I'm very upset about this I'm not able to work and I'm dependent on my XXXX benefits from the government and I won't get it till the end of the month my phone bill is due on the XXXX I need the {$39.00} back and they won't do it they just keep saying the same thing over and over again that it takes XXXX to XXXX business days I don't believe that XXXX is instant it should already be back in my account I'm reporting the company I need the money back I've already tried to contact this company XXXX or XXXX times and they won't give me my XXXX money back... I requested the refund on the XXXX of XXXX it's already the XXXX and I still don't see it back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
The credit bureaus have failed to comply with their legal obligations under 15 U.S.C. 1681c-2 ( Identity Theft ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( XXXX deletion rule ), and in the case of Equifax, their duty to protect consumer data as evidenced by the XXXX  Equifax data breach. Despite proper notice, they continue to report fraudulent and inaccurate accounts on my credit file, causing ongoing harm. The credit bureaus are reporting fraudulent and inaccurate accounts on my file despite proper notice. This violates 15 U.S.C. 1681c-2 ( Identity Theft ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( XXXX deletion rule ), and, in the case of Equifax, stems from their 2017 data breach that exposed my personal information. I have documents attached to this complaint as well.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I became a victim of identity theft. I received a notification from my Cash App account indicating that XXXX of my investment stocks had been sold without my authorization. Upon immediately accessing my account, I discovered that all of my stocks and XXXX holdings had been withdrawn, leaving only {$0.00} in the account. I felt completely helpless. 

While these unauthorized transactions were occurring, I attempted to contact Cash App customer support via text, urgently requesting that my account be frozen. Unfortunately, I was only able to communicate with an automated system, and no immediate action was taken. 

Concerned about the possibility of a broader security breach, I called home to check on my daughter. She informed me that our laptop appeared to be compromised and that she had witnessed suspicious activity on the device. 

Since then, I have been in ongoing communication with Cash Apps support team, particularly with a representative named XXXX. I have explained the situation in detail, but following their internal investigation, Cash App has repeatedly stated that the transactions were authorizeddespite clear evidence to the contrary. 

I have submitted XXXX separate support claims requesting that someone in upper management review my case, but I have not received any meaningful response. I have been a loyal Cash App user for over XXXX years and have never experienced any issues until now. It is deeply disappointing to be treated this way after falling victim to identity theft. 

In addition to my efforts with Cash App, I have filed a police report, and law enforcement is currently conducting their own investigation. 

I am now reaching out to the Consumer Financial Protection Bureau ( CFPB ) as a final attempt to resolve this matter before pursuing legal action. I respectfully request your assistance in advocating for a thorough review of my case and ensuring that appropriate steps are taken to address this serious breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This 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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX # XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-08-20 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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 under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( XXXX ) on my credit report : Account Name : XXXX FCU Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This company is violating my rights and haven't verified my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them and they're violating my rights. I'm entitled to {$1000.00} for every violation I listed. The company needs to either pay me or delete account immediately.

Company response to consumer: Closed with non-monetary relief