vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report a case of financial fraud resulting from a sophisticated phishing scam that led to unauthorized access and withdrawal of funds from my bank account. 

The incident involved a third-party posing as XXXX, during which my personal and banking information was compromised. As a result, over {$52000.00} was withdrawn via an ACH transfer without my knowledge or consent. These charges appear as overcharges and duplicate transactions on my account. I did not authorize these transfers, and I am currently in the process of disputing them with Santander Bank. 

Despite initiating the dispute promptly, I have not yet received a provisional credit in accordance with Regulation E of the Electronic Fund Transfer Act, which mandates that consumers be credited within 10 business days during an investigation of unauthorized transactions. 

Additionally, Ive had difficulty reaching a live representative through XXXX, as they only offer XXXX-based chat support with no direct phone line, further delaying any resolution or acknowledgment of their role in the scam. 

I am requesting the CFPB to intervene and ensure that : 1. I am refunded the full amount withdrawn through unauthorized transactions.

2. The bank honors its obligation under Regulation E.

3. A thorough investigation is conducted into the lack of accountability by XXXX in cases of consumer fraud. 

Attached are all supporting documents, including transaction records, communication logs, and formal dispute letters filed with Santander. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-05-17 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: IL

Complaint narrative:
This account was charge off on the following date XX/XX/year>, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
This account was charge off on the following date XX/XX/year>, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
Account name XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I allowed a close friend to temporarily use my XXXX  debit card for ATM withdrawals. Her husband transferred {$1300.00} to my XXXX  account so they could withdraw it. In XXXX, I discovered my XXXX  account was negative {$1000.00} ( I had at that time about {$300.00} in my account ). XXXX  informed me that the senders credit card company XXXX XXXX XXXX  ) had disputed the transactions on behalf of the sender and issued chargebacks. 
On XX/XX/XXXX I submitted detailed evidence proving the transactions were authorized and not fraudulent. XXXX  acknowledged receipt and said they would investigate then send the evidence to the senders financial institute to investigate but that the decision lies entirely with the senders financial institution ( XXXX ). In XX/XX/XXXX XXXX  emailed me the investigation was closed and XXXX sided with their sender. They told me to resolve the matter with the sender and that the case was closed. However, the chargebacks debited my account, not XXXX  or the senders. XXXX  is holding me responsible for activity that originated with another user. I have asked XXXX  for written documentation about the chargebacks and their position on debt collection. They have refused, saying I must subpoena them or pursue legal action. I believe this is unreasonable and unfair. 
I provided extensive documentation early in the process, including conversations with the sender and his wife showing the amounts transferred, ATM withdrawals, dates, and their own acknowledgments of the transactions. This evidence clearly contradicted the senders claim of fraud, but I have reason to believe it was either ignored or never reviewed meaningfully by XXXX or XXXX. Once the investigation was completed, for each dispute it says The sender stated that they did not make this purchase, but the merchant did not deliver any product or service. XXXX has already recovered the funds, which XXXX explain the lack of due diligence. 
XXXX  continues to shift blame to XXXX while refusing to advocate for or assist their own customer ( me ). I am now in a negative balance, may be sent to collections, and have no clarity on what happens next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Unverifiable Late Payments Request for Investigation and Removal To Whom It May Concern, I am writing to formally dispute a series of late payment entries your company is reporting to the credit bureaus under my account. After reviewing my Experian credit report, I found multiple months being marked as late without sufficient or verifiable justification. 

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1666b Timing of payments, creditors are required to ensure accuracy in reporting and can not legally report negative marks unless the payment was truly late according to the billing agreement and accurately recorded. 

The following reported late payments are in question : XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) I am requesting that XXXX  XXXX provide documentation that validates these late payments, including billing statements, payment receipts, and due dates that prove the payments were indeed late under our agreement. If you are unable to provide such documentation, I ask that these inaccurate entries be corrected or removed immediately from all consumer reporting agencies. 

Please consider this a formal request under FCRA 611 for a reinvestigation of these items. If you are unable to verify these entries, you must request that the credit bureaus delete them in accordance with federal law. 

I would appreciate your prompt attention to this matter. Please send written confirmation of your investigation results and any corrective action taken. 

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 2025-05-17 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Unverifiable Late Payments Request for Investigation and Removal To Whom It May Concern, I am writing to formally dispute a series of late payment entries your company is reporting to the credit bureaus under my account. After reviewing my XXXX  credit report, I found multiple months being marked as late without sufficient or verifiable justification. 

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1666b Timing of payments, creditors are required to ensure accuracy in reporting and can not legally report negative marks unless the payment was truly late according to the billing agreement and accurately recorded. 

The following reported late payments are in question : XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) I am requesting that XXXX  XXXX provide documentation that validates these late payments, including billing statements, payment receipts, and due dates that prove the payments were indeed late under our agreement. If you are unable to provide such documentation, I ask that these inaccurate entries be corrected or removed immediately from all consumer reporting agencies. 

Please consider this a formal request under FCRA 611 for a reinvestigation of these items. If you are unable to verify these entries, you must request that the credit bureaus delete them in accordance with federal law. 

I would appreciate your prompt attention to this matter. Please send written confirmation of your investigation results and any corrective action taken. 

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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Ive been trying to set up an online account and monitor my credit report for over XXXX months. They tell me I have an account but I can not access it. I have called and filled a report multiple times and the keep telling me that they are working on it and say they don't know when I will get access. Federal law say there are required to give me access to my credit report. This is unacceptable and is borderline fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Global Lending Services LLC
State: MS

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries have no knowledge of here are the inquiries that I've found GLOBAL LENDING SERVI XXXX XXXX, 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear CFPB, I am submitting this complaint due to inaccurate and unverifiable information being reported by the credit bureaus on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). 
Personal Background : I have been actively working to rebuild my credit and maintain a clean credit history. During this process, I noticed multiple errors and unverifiable information on my credit reports, including addresses I have never lived at and negative account reporting that lacks proper validation. 

Inaccurate Personal Information Wrong Addresses : The following addresses are being reported on my credit reports but are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are completely unfamiliar and unrelated to my residential history. Reporting such false addresses causes confusion, damages my credibility, and affects my creditworthiness. This violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in their reports. 

Unverified or Inaccurate Account Reporting : In addition to incorrect addresses, the following accounts are being reported negatively without proper validation : XXXX XXXX XXXX XXXX XXXX  Late payments reported Opened : XX/XX/XXXX Balance : {$330000.00} I have not received any written notice validating this debt as required under 15 U.S. Code 1681i. 

XXXX XXXX XXXX Charged off Opened : XX/XX/XXXX Balance : {$14000.00} XXXX requested verification, but none has been provided. 

XXXX XXXX XXXX XXXX Charged off Opened : XX/XX/XXXX Balance : {$700.00} This account is inaccurate and may have been a result of identity confusion. 

XXXX XXXX XXXX  In collections Opened : XX/XX/XXXX Balance : {$270.00} This item appeared without prior notice or validation. 

Violations of Federal Law : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to properly investigate disputed information.

15 U.S.C. 1681g Failure to provide full disclosure when requested.

15 U.S.C. 1681s-2 ( b ) Furnishers ' duty to correct and update inaccurate information.

Relief Requested : Remove all the incorrect addresses from my credit report. 

Investigate and delete all unverifiable and inaccurate accounts. 

Enforce compliance from the credit bureaus and furnishers in accordance with the FCRA. 

I am requesting your assistance to ensure that these matters are resolved promptly and that my rights under the FCRA are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MD

Complaint narrative:
Complaint Summary : I am filing this formal complaint against XXXX XXXX XXXX ( also referenced as XXXX XXXX XXXX  ) for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX requesting verification of the accounts they are reporting to my credit file. As of today, they have failed to respond in full or remove the disputed accounts. Their actions violate multiple provisions of federal law. 
Specific Allegations : Failure to Validate Debt FDCPA 1692g ( b ) : I requested the following from XXXX XXXX XXXX : The name and address of the original creditor A copy of a signed agreement bearing my signature A complete and itemized account history The date the alleged debt became payable Documentation of their legal authority to collect or report this account A clear chain of title or assignment They have not provided any of the above and continue to report the account. 

Failure to Demonstrate Permissible Purpose FCRA 1681b : I requested written proof that XXXX XXXXXXXX XXXX has a permissible purpose to report information about me to the credit reporting agencies. I have no known relationship or contract with this entity. No such documentation has been provided, which makes their reporting unlawful. 

Failure to Ensure Data Accuracy FCRA 1681e ( b ) : The information reported by XXXX XXXXXXXX XXXX is incomplete and potentially inaccurate. This includes missing or vague creditor information, misclassified payment history, and failure to identify whether the account is in collections or settled. Under the FCRA, they are required to report complete and accurate information. 

Continued Reporting of Disputed Information FCRA 1681i : After my dispute, XXXX XXXXXXXX XXXX did not notify the credit bureaus that the account is being disputed. This violates the FCRAs requirement that disputed accounts must be marked accordingly and verified before further reporting. 

Lack of Original Signature/Proof of Contract : I have repeatedly requested a copy of my original contract or signature showing I entered a business relationship with XXXX XXXXXXXX XXXX or the alleged original creditor. No such documentation has been produced. Without this, they have no legal authority to report anything to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MD

Complaint narrative:
Complaint Summary : I am filing this formal complaint against XXXX XXXXXXXX XXXX ( also referenced as XXXX XXXX XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>XXXX I sent a dispute letter to XXXX XXXXXXXX XXXX requesting verification of the accounts they are reporting to my credit file. As of today, they have failed to respond in full or remove the disputed accounts. Their actions violate multiple provisions of federal law. 


Specific Allegations : Failure to Validate Debt FDCPA 1692g ( b ) : I requested the following from XXXX XXXXXXXX XXXX : The name and address of the original creditor A copy of a signed agreement bearing my signature A complete and itemized account history The date the alleged debt became payable Documentation of their legal authority to collect or report this account A clear chain of title or assignment They have not provided any of the above and continue to report the account. 

Failure to Demonstrate Permissible Purpose FCRA 1681b : I requested written proof that XXXX XXXXXXXX XXXX has a permissible purpose to report information about me to the credit reporting agencies. I have no known relationship or contract with this entity. No such documentation has been provided, which makes their reporting unlawful. 

Failure to Ensure Data Accuracy FCRA 1681e ( b ) : The information reported by XXXX XXXXXXXX XXXX is incomplete and potentially inaccurate. This includes missing or vague creditor information, misclassified payment history, and failure to identify whether the account is in collections or settled. Under the FCRA, they are required to report complete and accurate information. 

Continued Reporting of Disputed Information FCRA 1681i : After my dispute, XXXX XXXXXXXX XXXX did not notify the credit bureaus that the account is being disputed. This violates the FCRAs requirement that disputed accounts must be marked accordingly and verified before further reporting. 

Lack of Original Signature/Proof of Contract : I have repeatedly requested a copy of my original contract or signature showing I entered a business relationship with XXXX XXXXXXXX XXXX or the alleged original creditor. No such documentation has been produced. Without this, they have no legal authority to report anything to my credit profile.

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 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
In XXXX XXXX, I needed urgent engine repairs totaling {$3700.00}. Since I couldnt afford the full amount upfront, I asked the repair shop ( XXXX XXXX XXXX ) if I could put down {$1800.00} and pay the rest in smaller installments. They told me they worked with a third-party lender that offered biweekly repayment plans and referred me to EasyPay Finance . 

EasyPays application process appeared simple and promoted a no interest for 3 months offer. However, the paperwork was confusing, and I was at work trying to finalize it under pressure, as I was running out of time off and needed my car urgently. 

I began making biweekly payments of {$160.00} starting XX/XX/year>. As of XX/XX/XXXX, I have paid a total of {$960.00}, of which {$810.00} went to interest and only {$150.00} toward the loan principal. I was shocked to discover the loan carries a 178 % APR, which is not only excessive but appears illegal under Pennsylvania law, which caps interest at 6 % ( unlicensed ) and 24 % ( licensed lenders ). 

Despite paying more than half of the original loan amount already, I am now being told I owe {$1800.00}, and by the end of the term I will have paid over {$3000.00} for a {$1800.00} loan. I believe this is clearly predatory lending and a violation of state usury laws. 

I am in the process of preparing a formal dispute letter and have documented everything, including : Screenshots of my payments A breakdown of interest vs. principal Terms and disclosures from EasyPays website While I understand interest on loans is standard, this situation is exploitative and unjust. I respectfully request the CFPB investigate EasyPay Finance and help ensure this kind of practice is stopped in Pennsylvania.

Company response to consumer: Closed with explanation