vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
b'On XXXX XXXX XXXX, a debit transaction was made from my account for $XXXX. I did not make this transaction. I filed an initial claim (#XXXX} about two weeks later when I first noticed the unauthorized transaction and the notation alongside "world wide security"\nUpon phone follow up, I was told to go to my branch to get more information. \nOn XXXX XXXX XXXX I visited the branch and the Branch Manager, XXXX XXXX, tried to assist. He checked with Santander ACH,SAL and ONLINE systems and could not help. At that time he told me to call their XXXX  dept at XXXX XXXX XXXX XXXX. After about two hours on the phone with fraud, I was told my account had been accessed several times via an XXXX  and that the transaction was made vis an XXXX. I told them I, nor anyone in my family, owns an XXXX. I was also told that the money went to XXXX  Bank XXXX XXXX XXXX and that the trace # was XXXX. I was also given the new claim number XXXX XXXX XXXXOn XXXX XXXX  I followed by phone and told my claim was denied as I had made the transaction using an I phone. I then sent proof that my phone number is connected to an XXXX  phone and requested more determined action and return of my money'

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 2025-11-13 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: IL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-13 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found that Self Lender is reporting a closed account showing a balance owed. I did not open or authorize this account, and I believe my information may have been used fraudulently or in error.

I am requesting that the Consumer Financial Protection Bureau require Self Lender and the credit bureaus to investigate this matter and remove the inaccurate information from all credit reports immediately.

I have attached proof of my identity and my credit report excerpt showing the disputed account.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be deleted from my file within 30 days of dispute.

Please confirm receipt and update me on the results of your investigation.

Thank you for your help in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
I appealed a decision and the already decided to take a negative outcome even though the law requires them to admit Im not liable and reverse the ruling of deactivated account. Im not dead nor have I I committed a crime and I would lose future earnings if I dont respond. It is discrimination and unauthorized conduct against the financial institutions system. I deserve to have my rights be respected and protected by the government and system. 


I reported what happened and why and I am eligible. They are committing fraudulent scams. 


Personal affiliation and harassment It is also retaliation and I dont even know them. 



Reality says no face no case but why do they still act as if. Im guilty if no one talks about me. 



I literally have a XXXX and they never even spoke to me directly nor do they do there effective job description. 


When it comes to the matter of education I am not slow I am effectively XXXX under a XXXX illness. 


I started a business and need it. 
I would like to my account reinstated. 

Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Continental Finance, which services my XXXX XXXX issued by XXXX XXXX XXXX has ignored my repeated requests for hardship assistance and written-only communication. I am experiencing financial hardship and will be unable to make the {$54.00} due on XX/XX/XXXX. Despite prior good-faith payments and documentation, they have refused to provide any written response or accommodation. 

I specifically stated that I can not speak by phone and require all correspondence in writing for documentation purposes. Instead, they continue to ignore this request and offer no alternative hardship plan, which is unacceptable and inconsistent with fair consumer treatment under the CARD Act and FDCPA principles.

Continental Finances lack of responsiveness and unwillingness to work with customers in financial distress shows bad faith. Their failure to provide reasonable hardship options or confirm written-only communication violates basic consumer rights. I have made every effort to communicate and act in good faith, and yet they have provided no assistance or response, only the threat of late fees and negative credit reporting.

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 2025-11-13 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It will be easier for you to read the letter attached and all the supporting documents sent to Chase. I have been disputing this for months it was denied because Chase claims they sent the rebill to The Merchant on XX/XX/year> and the Merchant said it was not received. I have been an accountant for 35 years and delt with auditors my entire career. Every bank transaction has a number attached to it. Why can't Chase trace that back to the merchant if they indeed did send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I purchased my home in XXXX. I was going through a refinance, and I recently discovered that the previous homeowner opened a {$50000.00} HELOC on my home in XXXX. The title company flagged it and forwarded the fraudulent deed of trust that was signed by PNC and the culprit. I am not having any luck getting this removed even though this is clearly NOT MY LOAN. I reached out to PNC, but they are giving me the runaround because " it's not my loan ''. I just want this to be removed and not at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing an inaccurate account on my TransUnion credit report for several months. Despite submitting disputes and supporting evidence, the account still appears on my report. The information reported is inconsistent with the actual account, making it inaccurate, and TransUnion has not corrected it.

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 2025-11-13 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: IL

Complaint narrative:
I am a consumer disputing the accuracy of the following accounts listed on my credit report with TransUnion ( TU ). The accounts listed as charged off and inquiries need to be investigated for discrepancies. 

CHARGED OFF : XXXX XXXX XXXX XXXX XXXXXXXX, Date Open : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/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 2025-11-13 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX. XXXX  dated XX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: 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 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 2025-11-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Elite Legal Practice PC
State: MI

Complaint narrative:
Previous complaint # XXXX Elite Legal never refunded the money stated in my last complaint. I signed and returned via registered mail the documentation requested. And I still have not received my money nor gotten reply to my inquiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: OAKTREE FUNDING CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX  ( a division of XXXX XXXX  ) initially told me, post close, that XXXX XXXX Payments were required ( in violation of EFTA, 15 U.S.C. 1693k ; TILA, 15 U.S.C. 1601 et seq. ; RESPA, 12 U.S.C. 2601 et seq. ). This was communicated to me by the title company on XX/XX/XXXX, the day after close, and later communicated by the lender via email XX/XX/XXXX. I was told that the loan would not be funded unless the automated payments form was completed. I also had question regarding the homeowners insurance, which I prepaid ; however, insurance was included in escrow ( in violation of 12 CFR 1024.17 ). I asked repeatedly to whom these additional escrow insurance payments were going, but never received a clear answer from the lender. 

Because funding was refused due to the required XXXX, I contacted a lawyer ( {$1500.00} ). I also incurred additional charges due to shutting utilities on, off, then on. I initially requested, from the seller 's agent, a refund of my XXXX and down payment on XX/XX/XXXX. I received no response. I again inquired XX/XX/XXXX. My real estate agent contacted the lender ( XXXX XXXXXXXX XXXX XXXX ) who stated that the loan had been funded XX/XX/XXXX. This statement contradicts voicemail and email communications from the title company ( XX/XX/XXXX ), which stated that the lender had refused to fund the loan without the XXXX. It also contradicts email communication from XXXX XXXX ( XXXX ) in which she explicitly stated that automated payments were required. It was NEVER told me that the XXXX  was waived or that the loan had been funded. This delay in communication resulted in additional expenses for me ( attorney fees and utilities ), delayed advertising for the investment property, and, frankly, was deceptive and unethical. I still do not have clarity regarding the prepaid XXXX  and the additional escrowed XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any errors in reporting these payments are both unfair and unlawful.

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