vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$390.00},

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX our auto mortgage payment was erroneously applied to principle by Pennymac instead of the payment. This set off a long string of late fees. My wife or I called on 4 different occasions over the past 18 months to rectify the supposed missed payment. The customer service representatives during the first three calls gave incomplete and erroneous information. At least two extra payments were made by us but apparently either not applied to that XX/XX/XXXX transaction or insufficient amount to cover the snow balling late fees. The most recent call on XX/XX/XXXX with XXXX - Representative followed XXXX XXXX the supervisor revealed the XX/XX/XXXX missed payment along with XXXX dollars of late fees. We believe this is total deception and bordering on Fraud. We were supposed to get a written explanation but received an envelope with nothing inside. Pennymac refuses to re else the late fees and we still do not know if the late fees will continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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:
I am a victim of identity theft. Fraudulent accounts were created in my name without my knowledge or consent. These accounts are negatively impacting my credit and financial stability.

Under the Fair Credit Reporting Act 605B, once a consumer submits ( 1 ) an Identity Theft Report, ( 2 ) proof of identity, and ( 3 ) a written request, the credit reporting agencies are required to block identity theft accounts within 4 business days.

I sent a complete 605B Identity Theft Package to this bureau, including : Identity Theft Report ( Police/FTC Affidavit ) Proof of address A 605B mandatory block letter A detailed list of fraudulent accounts The bureau has failed to remove or block these fraudulent accounts despite receiving my complete documentation.

These accounts do not belong to me and were created using stolen personal information. They must be removed immediately under federal law. I am requesting CFPB enforcement for non-compliance with FCRA 605B mandatory 4-day blocking requirements. 

Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX 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 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 2025-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts were created in my name without my knowledge or consent. These accounts are negatively impacting my credit and financial stability.

Under the Fair Credit Reporting Act 605B, once a consumer submits ( 1 ) an Identity Theft Report, ( 2 ) proof of identity, and ( 3 ) a written request, the credit reporting agencies are required to block identity theft accounts within 4 business days.

I sent a complete 605B Identity Theft Package to this bureau, including : Identity Theft Report ( Police/FTC Affidavit ) Proof of address A 605B mandatory block letter A detailed list of fraudulent accounts The bureau has failed to remove or block these fraudulent accounts despite receiving my complete documentation.

These accounts do not belong to me and were created using stolen personal information. They must be removed immediately under federal law. I am requesting CFPB enforcement for non-compliance with FCRA 605B mandatory 4-day blocking requirements. 

Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My main problem is Selene Finance ( my mortgage company ) inappropriately made two payments to the XXXX XXXX XXXX without my authority or knowledge and entirely depleted my escrow funds. The first payment was made on XX/XX/XXXX for a total of {$2000.00} and the second payment was made on XX/XX/XXXX for a total of {$2000.00}. They took the funds that was paid to NYC water board from my escrow, which then depleted my escrow total and due to this they are threatening to indefinitely increase my mortgage an additional {$540.00} a month for the rest of my loan terms which about another 20 years. Given this threat that would mean I would be stuck paying roughly an additional price of {$6500.00}. XXXX a year and over the course of 20 years this total comes to an extra {$130000.00}, over literally depleting my escrow for two payments to my water bill. I have contacted and spoke with many representatives from Selene Finance and XXXX XXXX XXXX to resolve this issue. XXXX XXXX XXXX has advised they can refund the payments to selene finance to put back in my escrow. Selene finance is not compliant. These seems like predatory conditions especially increasing my monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Chime Financial Inc
State: ID

Complaint narrative:
I opened a credit building account with Chime after being explicitly told that there would be no bills or owed money ( as I am using my own money. ) However, I continuously got emails and notifications about a due bill, which started to drop my credit score. When I contacted customer service, I first had to deal with unhelpful robots, and then the real person told me that what I was describing wasn't happening and wasn't true. So I decided to just close the account. I called Chime and went through several people who said they couldn't cancel my account, I eventually got to some kind of CEO that kept dodging cancellation. The call ended with the most baffling thing ever. He asked if I REALLY wanted to cancel, when I said yes, he HUNG UP ON ME. I want to add that I very patient and polite given the situation, I am appalled by this. And as of today, my credit score has dropped XXXX points. I tried to dispute through the credit union, and nothing came of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Hello my name is XXXX XXXX and I have been banking with Chime since XXXX, this Monday XX/XX/XXXX evening my account had been put on limited access and they blocked me from using my money and making transactions to pay my bills, I work two jobs and have had both of my checks direct deposited to this account and I also had money in my savings total amount of {$2500.00}. Wednesday evening at XXXX I got an email from chime stating my restrictions on my Chime account had been lifted, then at XXXX I received another email stating my account had been put on restriction again for unusual suspicious activity I then called them again and they told me they couldnt tell me what the issue was and that the restriction would be lifted in 48 hours. I then called again Friday XX/XX/XXXX afternoon the person I talked to also told me that my account restriction would be lifted that night by XXXX. They also told me that other customers was experiencing the same issues. Friday evening around XXXX on XX/XX/XXXX I then got an email stating that my account had been closed by chime so I called them again and they processed to tell me they was not going to give me my money back that was in my account and that they couldnt offer me anymore information as to why they were keeping my money, Im a single mother of 3 kids and I work 2 jobs to provide for them and I cant buy groceries because I have not had any access to my money that, not including its Christmas time! I did contact my local law enforcement and filed a report the Event # is XXXX and the Deputy XXXX with the XXXX XXXX XXXX department in XXXX, Indiana is who I spoke to. She advised me to get a lawyer and take chime to small claims court and I will do this if this issue isnt resolved and I get my money back. I have screenshots of the emails I have been sent by chime but I dont have access to the app anymore to get my account number. I also have new cards coming because I reported my cards stolen to try and gain access back to my account if there was any fraudulent activity that I wasnt aware of and I didn't report myself. I can also provide a phone recording taken today XX/XX/XXXX as I spoke with them on the phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 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: LA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
XXXX. Identity Theft XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am reporting a missing credit of {$160.00} under Regulation E. The merchant ( XXXX ) claims a refund was completed on my cashapp card on XX/XX/XXXX, but it has not posted to my account after 21 days. Cash App support has provided generic and conflicting responses, with XXXX agent acknowledging a refund and another denying any record of it. I have provided a XXXX Reference ID and a bank reference ID from the merchant, but the funds remain missing. I have contacted multiple times and everytime i asked where the refund is, they added more time to how long it would " take " to get it back. First they said 10 days, then after 10 days i contacted again and they told me now it would take 14 days, after tellin me that, i decided to dispute the purchase thinking it would move the refund along faster. After that, they told me to wait a whopping 45 days because it was a dispute & theres no record of an incoming refund... today they sent a notification denying the dispute, so im still left without my refund being credited to me. Their own website states merchant refunds take up to 14 days, so its way past the timeframe of a refund. I request that Cash App and its partner, XXXX XXXX, search their suspense accounts for this incoming credit. I am requesting a formal investigation and a provisional credit as required by federal law for missing consumer credits exceeding 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Although this account was paid in full, it continues to show late payment notations on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: Possible Financial Inc
State: TX

Complaint narrative:
In XXXX XXXX XXXXXXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XXXX XXXX XXXXXXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation