vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
b"ON XXXX XXXX I DID XXXX  ONLINE TRANSFER FROM MY SANTANDER MONEY MARKET SAVING ACCOUNT (THAT EARNED ABOOUT 4% INTEREST) TO MY XXXX XXXX BROKERAGE ACCOUNT TO INVEST WHEN THE STOCK MARKET SINKED. XXXX DAYS LATER XXXX XXXX PUT A BLOCK ON MY BROKERAGE ACCOUNT AND REVERSED IN TRANSIT MONEY (XXXX XXXX DEMANDED NOTARIZED ID AND OTHER IDENTIFICATION DOCUMENTS TO SEND ONLINE TO XXXX XXXX ADVISORS, WHEN ALL THOSE REQUESTED DOCUMENTS WERE ALREADY PRESENTED AT XXXX XXXX BRANCH WHEN I UPGRADED MY CHECKING ACCOUNT TO PRIME CHECKING, XXXX XXXX  BRANCH BANKER TOOK COPIES OF THOSE DOCUMENTS; XXXX XXXX ADVISORS SAID THEY DONT SPEAK TO XXXX XXXX BRANCH BECAUSE THEY ARE SEPARATE, APPARENTLY CHECKING/SAVINGS ARE SEPARATE BRANCH FROM INVESTMENT ACCOUNT, AND THEY DONT TALK TO EACH OTHER - I THINK THEY DID THAT TO HOLD MONEY SO THEY DONT HAVE TO PAY INTEREST AND MAKE MORE MONEY AND GET HIGHER BONUS BY OPERATING WITH MY MONEY, I NEEDED THAT MONEY AT THAT TIME TO INVEST WHEN THE STOCK MARKET SINKED).\n\nAFTER, XXXX AND XXXX  AND XXXX...OF CALLS BETWEEN SANTANDER, MYSELF, AND XXXX XXXX SANTANDER EVENTUALLY FOUND THE MONEY AND ISSUED A CHECK FOR XXXX BUT THE CHECK WAS WRITTEN ONLY IN MY HUSBAND'S NAME (IT WAS A JOINT ACCOUNT, AND THE CHECK SHOULD HAVE BEEN ISSUED FOR BOTH OF US, ALL THE DEPOSITS TO SANTANDER WERE FROM MY WORK AND MY PENSION).\n\nMY HUSBAND HAS PASSED AWAY, AND XXXX XXXX HAS REFUSED TO DEPOSIT/CASH THE CHECK. SO I WENT BACK TO SANTANDER BRANCH AND THE BANKER SAID SHE CAN NOT REISSUE THE CHECK AS A JOINT CHECK FOR ME AND MY HUSBAND, PLEASE CALL THE BACK OFFICE. I CALLED BACK OFFICE SEVERAL TIMES (SOMETIMES THEY DROPPED THE CALL), AND IT SEEMS THEY LOST THE INFORMATION, I HAD TO PROVIDE THE ALL THE INFORMATION AGAIN, THE REPRESENTATIVE SAID HE SENT THE INFORMATION TO BACK OFFICE REFERENCE NUMBER XXXXTODAY IS XXXX  AND I STILL DONT HAVE THE $XXXX; IN ADDITION, I HAVE LOST ABOUT $XXXX IN PROFITS IF I INVESTED THE MONEY IN STOCK WHEN THE MARKET CRASHED IN 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed inaccurate information on my Equifax credit report. XXXX XXXX XXXX XXXX They have never done a proper investigation. I clearly pointed out all the inaccurate information and they still didnt remove those items. 

XXXX XXXX Bank {$200.00} XXXX XXXX Bank {$1300.00} XXXX  Bank {$300.00} XXXX XXXX XXXX XXXX {$3100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this statement to formally dispute and report fraudulent items appearing on my consumer credit file. Specifically, there are XXXX accounts that do not belong to me and were opened or reported without my knowledge or authorization. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I am exercising my legal right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit report. Section XXXX ( FCRA XXXX ) requires credit reporting agencies to conduct a reasonable reinvestigation of any disputed information within XXXX days and to remove or correct any item that is found to be inaccurate, incomplete, or unverifiable. 
Additionally, pursuant to FCRA XXXX, I am requesting a block of the fraudulent information resulting from identity theft. I have not authorized the use of my personal information to open or maintain these accounts, and therefore these entries must be removed to prevent further damage. 
If these items have been or will be pursued for collection, I am also invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq .. Any debt collector is prohibited from attempting to collect a debt that is the result of identity theft or that can not be verified as belonging to me. 
I am requesting the immediate removal of the fraudulent accounts from my credit file. Please provide written confirmation of the results of your reinvestigation and the actions taken. 
This statement is made in good faith, and I affirm that the disputed accounts are fraudulent and not a reflection of my true credit history or financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$2900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XXXX/XXXX Balance : {$22000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
Almost a year ago I had identity theft on my account and while in XXXX I had issues with my account. During that time a new bank account was created and was informed the old account would be closed. The account in fact was never closed. The account was just locked. Td bank did not ever close the account in which they stated they did. 

On top of that a few months ago I purchased items that were inspected and found out they deemed defective. Opened a dispute with TD Bank they infact opened my dispute incorrectly. They attempted to fix which then opened up another dispute. Then another dispute. Customer service manager said there were over 4 disputes open. My transaction in which I was disputing was handled incorrectly which ended up rendering me responsible for the negative funds in my account. I will not pay these funds. My disputes were not handled correctly the first time which lost my chance at being compensated for my not as described purchases as I was informed that there was only one attempt at this dispute. Which they messed up by opening multiple disputes for the same reason. Then charging the funds to an account that was supposed to be closed. That being said Ive already stopped all attempts to have my funds being protected or have trust in leaving my funds in a TD bank account. 

I submitted appropriate evidence of damages of product. Company in which I purchased from expects me to pay out of pocket for the return which I am not doing I will not pay for damages that were caused by TD Bank by incorrectly opening my dispute not only once but multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax is reporting a XXXX XXXX Bankruptcy from 2019 and has multiple versions of my identity listed, including a false middle name ( XXXX ) and mismatched addresses. This is misleading, unverifiable, and damaging. 
FCRA 1681e ( b ) : Accuracy is not being maintained with false personal identifiers attached to my file.

FCRA 1681i : When disputed, unverifiable records must be deleted. Since the bankruptcy court does not furnish information directly, Equifax can not verify this record.

FCRA 1681n and 1681o : Equifax is liable for willful and negligent noncompliance if they continue to report unverifiable and inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Email : XXXX Date : XX/XX/2025 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Complaint Regarding Inaccurate Credit Reporting and Violation of FCRA Rights To Whom It May Concern, I am filing a complaint against XXXX  and certain creditors for failing to uphold my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting proper dispute documentation, inaccurate and harmful information continues to appear on my credit report. 
The following accounts contain errors or misreporting : XXXX XXXX ( Account ending in XXXX ) Reported as charged-off with a balance of {$3100.00}. I previously submitted disputes because this account was not reported accurately, and the charge-off status and balance do not reflect my records. 


XXXX XXXX ( Account ending in XXXX ) Reported as sold/charged-off with multiple delinquencies, despite my dispute showing inconsistencies in payment reporting. 


XXXX XXXX Student Loans Several accounts are reported as XXXX days late, but the reported payment history is inconsistent and does not reflect my actual repayment and deferment records. 


These reporting errors have caused me measurable harm : I have been denied credit opportunities. 


I have been subjected to higher interest rates due to lowered credit scores. 


I continue to experience financial hardship and reputational harm. 


Furthermore, the credit bureau ( XXXX ) has failed to respond within the XXXX timeframe required by the FCRA in XXXX of my disputes. This demonstrates a disregard for my legal rights and obligations under federal law. 
I am requesting that the FTC investigate these violations and take appropriate action to ensure that TransUnion and the creditors listed above comply with consumer protection laws. 
Attached is a copy of my TransUnion credit report ( dated XX/XX/2025 ) highlighting the disputed items. I can provide additional documentation, including my certified mail dispute letters and proof of non-response, upon request. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Federal Trade Commission Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Complaint Regarding Inaccurate Credit Reporting and Violation of FCRA Rights To Whom It XXXX Concern, I am filing a complaint against XXXX  and XXXX creditors for failing to uphold my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting proper dispute documentation, inaccurate and harmful information continues to appear on my credit report. 
The following accounts contain errors or misreporting : XXXX XXXX ( Account ending in XXXX ) Reported as charged-off with a balance of {$3100.00}. I previously submitted disputes because this account was not reported accurately, and the charge-off status and balance do not reflect my records. 


XXXX XXXX ( Account ending in XXXX ) Reported as sold/charged-off with multiple delinquencies, despite my dispute showing inconsistencies in payment reporting. 


XXXX XXXX Student Loans Several accounts are reported as XXXX days late, but the reported payment history is inconsistent and does not reflect my actual repayment and deferment records. 


These reporting errors have caused me measurable harm : I have been denied credit opportunities. 


I have been subjected to higher interest rates due to lowered credit scores. 


I continue to experience financial hardship and reputational harm. 


Furthermore, the credit bureau ( XXXX ) has failed to respond within the XXXX timeframe required by the FCRA in XXXX of my disputes. This demonstrates a disregard for my legal rights and obligations under federal law. 
I am requesting that the FTC investigate these violations and take appropriate action to ensure that TransUnion and the creditors listed above comply with consumer protection laws. 
Attached is a copy of my TransUnion credit report ( dated XX/XX/year> ) highlighting the disputed items. I can provide additional documentation, including my certified mail dispute letters and proof of non-response, upon request. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
XXXX XXXX was my mortgage company where I paid {$5700.00} a month, they sold my account to SPS servicing on XX/XX/XXXX. 
I continued paying the same amount {$5700.00} until XX/XX/XXXX. Then I found out XXXX XXXX SC thought it was an investment my house, after charging me {$21000.00} in XXXX. XXXX XXXX SC refunded me {$16000.00}. For this reason, SPS sent this {$16000.00} to XXXX XXXX by mistake, and now they can not agree to resolve this problem, and at this moment I have been waiting for 5 months for the total monthly payment amount ; every time I look at the SPS website, {$9000.00} appears for the monthly payment ...!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The late payment entry on my report may be incorrect. Given my consistent record, I ask for a prompt review and correction.

Company response to consumer: Closed with explanation