vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App - I've had a pending charge for three days now of {$440.00}, that was charged at a hotel TWICE on Saturday XX/XX/XXXX. The original charge went through for the hotel ; however, I was double charged and the second charge has remained pending for three days now. 

The hotel claims they have no record of the second charge, but on my end, it shows as two charges ( one of them being pending ). 

Cashapp says it could take up to 3 days for the pending transaction to return back to me. Its been 3 days now. And I need to access my money on my card but because of this pending charge, I'm left with no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I received text fraud alerts from Santander Bank regarding suspicious charges. I replied immediately " 2 '' that they were not mine. 
I then received an email from Santander asking if these were my charges. I immediately responded " No '' I then received a phone call from Santander. I confirmed that these were not my charges. 
There were three charges : XXXX XXXX {$450.00} XXXX {$690.00} XXXX {$440.00} The XXXX XXXX charge did not go through to my card, but the XXXX and XXXX XXXX were posted to my account for a total of {$1100.00}. 
I then called the Fraud Department. They explained that I would need to file a dispute, which I did. The next billing cycle I see the charges still on my account ( I never received any notification or status of claim ) I called the Fraud department and was told my claim was denied. They said that the chip was used ( which is impossible as the card has been in my possession ) I went to the Branch and the manager tried to assist me with a resolution. He apologized for the inconvenience, as I have been a loyal customer for almost 20 years. He was not able to resolve anything internally with the Fraud Department. I am now receiving daily calls from Santander in an attempt to collect the balance on this card. I have explained twice to different representatives that the situation, yet the daily calls persist.

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 2025-11-11 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I made roughly {$15000.00} in payments across my credit cards to reduce my utilization and rebuild my credit so I can qualify for a home-construction loan. On XX/XX/2025, I paid {$1800.00} to my Citi credit card, which brought the balance to about 30 % utilization. Only four days later ( XX/XX/2025 ) Citi reduced my credit limit from {$4000.00} to {$990.00}, instantly pushing my utilization to over 90 % even though I had just made a large payment. 

This feels like being penalized for paying responsibly. The action erased the positive impact of my payment and has delayed my ability to secure a mortgage by several months. If Citi believed my account was risky, they could have contacted me or negotiated a closure instead of punishing a good-faith effort to pay down debt. 

Im requesting that Citi restore my original credit limit or provide a written explanation of why my limit was reduced immediately after a substantial payment. Especially as I have been a customer for years.

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 2025-11-11 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-11 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: TX

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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 dispute regarding the following accounts that have been inaccurately reported on my credit file. The listed accounts are marked as " charged off, '' but I believe these accounts are being reported incorrectly. I am requesting an immediate investigation into these accounts and their reporting accuracy. 

Equifax ( EQ ) XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Reason for Dispute : Inaccurate reporting of account status. I request a thorough review of this account to ensure the reporting is correct. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Reason for Dispute : This account is reported incorrectly. Please verify the account status and correct any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am writing to formally dispute the following items on my Experian credit report, which I believe contain inaccuracies. Under the Fair Credit Reporting Act, I have the right to dispute any information that is incorrect. The items I am disputing are : 1. XXXX XXXX Account is listed as Charge-Off with an unpaid balance of {$1200.00}. 
2. XXXX XXXXXXXX XXXX Account listed as Charge-Off with an outstanding balance of {$1500.00}. 
3. XXXX XXXX Account marked as Charge-Off, balance of {$1300.00}. 
4. XXXX XXXX XXXX Account with an unpaid balance of {$1200.00} and listed as Charge-Off.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NM

Complaint narrative:
I have made multiple attempts to resolve this matter and offer a reasonable settlement payment of {$400.00}, which reflects my current financial situation. Despite my good-faith efforts, Sequim Asset Solutions has been uncooperative and inconsistent in their communication. Representatives have repeatedly hung up on me, contradicted themselves about whether they are the debt collector or a third-party intermediary, and refused to negotiate or provide clear documentation of the debt. Their offered settlement amount of {$1600.00} is not feasible, and they have declined to escalate or meaningfully discuss any alternative resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am disputing several inaccurate and incomplete accounts reported on my TransUnion credit report. Please review the following charged-off accounts and late payment entries that I believe require correction. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Lowes ( and other companies ) are now charging a paper statement fee of {$1.00} per month. I paid my invoice in full but am charged for the statement to be mailed. That is unfair because emails can be compromised. Email phishing and fraud are rampant. Mail is safer, and if they want to offer charge cards mail fees should be on them as part of doing business.

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 monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year>, I paid a balance of {$10000.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to satisfy a XXXX XXXXXXXX XXXX XXXXXXXX XXXX I received an official letter 2days later from XXXX dated XX/XX/year>, offering to settle the same account for {$4800.00} if payment was made by XX/XX/year>. 

After I questioned the discrepancy, XXXX stated that the settlement letter was sent to me in error and claimed it was meant for another consumer. Despite my written request for documentation and explanation, they have provided no proof or assurance that my account information was not mixed with another consumers, nor have they addressed the error in writing beyond a general statement. 

This situation raises serious concerns about false representation, data accuracy, and record handling by the debt collector. The company accepted a full payment but issued a conflicting settlement offer the same day, creating confusion and potential financial harm. I am requesting that the CFPB review this matter and ensure proper accountability, written clarification, and correction of any internal or data handling errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: SC

Complaint narrative:
Formal Request for Debt Validation Account No : [ XXXX ] I am writing to formally request validation of a debt your company is attempting to collect related to a XXXX XXXX Revolving Account that appears on my XXXX  credit report. This is sent under the authority of the Fair Debt Collection Practices Act ( FDCPA ). Spoken with XXXX  and stated that the company have verified this debt belongs to me. 

As required by law, I request that you provide me with full validation of this debt. Please provide the following documentation and information within 30 days of the receipt of this letter : Proof of Debt Ownership : Documentation establishing that you have the legal right to collect this specific debt from me. 

Original Creditor Details : The name and last known address of the original creditor ( Lead Bank ).

Complete Accounting : A full breakdown of the amount claimed, including the original balance, any accrued interest, fees, or charges that resulted in the current reported balance of {$250.00}.

Original Contract/Agreement : A copy of the original signed contract or other documentation bearing my signature that establishes my liability for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am writing to dispute certain negative entries on my credit report issued by your bureau. Below are the discrepancies I would like to bring to your attention : XXXX. Delinquent Accounts : o XXXX XXXX  ( Account Number : XXXX ) : This account is marked as delinquent. Please verify the accuracy of this status and update my account information accordingly if it is incorrect. 
XXXX. Derogatory Accounts : o XXXX XXXX  ( Account Number : XXXX ) : This account is listed as derogatory. I request that you verify this entry for accuracy. 
o XXXX XXXX ( Account Number : XXXX ) : This account is reported derogatory. Please verify the details and investigate this account. 
XXXX. Inquiries : o My report shows 4 inquiries within the last two years. Please verify that these inquiries were made with my consent and ensure they were properly reported. 
XXXX. High Utilization : o XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : One of my credit accounts shows 81 % utilization with a balance of {$4400.00} on a {$5500.00} limit. Please confirm if this balance is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: MO

Complaint narrative:
The company has placed something on my credit that is fraud and I have tried to resolve and ask them to prove its me no responses after that

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation