vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account reported by Spring Oaks Capital LLC for {$1700.00}. This account appears on my credit report as placed for collection and marked derogatory, but I believe this information may be inaccurate or unverifiable.

I am requesting validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which states that I have the right to request verification of any debt a collector is attempting to collect.

I have not received any written notice or validation of this debt from Spring Oaks Capital. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I also dispute the accuracy of this tradeline and request that this item be removed unless it can be fully validated.

I respectfully ask for this matter to be investigated and for the credit bureaus to be notified of any necessary updates or deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Withholding {$47000.00} for Over XXXX Months Dear CFPB Team, I am writing to make an urgent and humble appeal regarding a serious issue involving Truist Bank, which has been withholding my funds in the amount of {$47000.00} for more than XXXX months without resolution. 

Summary of the Situation : On XX/XX/year>, my account with XXXX XXXX XXXX  was closed, and I was issued a cashiers check for {$47000.00}, which represented my available account balance. 
On the same day, I opened an account with Truist Bank and deposited the cashiers check. 
After that, Truist Bank restricted my account, claiming that the check was under investigation for fraud. 
I provided all requested documentation, including an official signed letter from a XXXX at XXXX XXXX XXXX, confirming the authenticity and legitimacy of the cashiers check. 
Despite complying with all their requests, Truist Bank refuses to release my funds. Recently, they informed me that they will only return the money to XXXX XXXX XXXX, not to me. 

When I contacted XXXX XXXX XXXX, they clearly stated that I am no longer a client, that they can not request the money back, and that they have no control over these funds anymore. 

Meanwhile, Truist Bank is holding my money and refusing to release it to me, despite the fact that I have provided clear, official documentation proving that the cashiers check is valid. 



Additional Concerns : I have submitted multiple complaints through this CFPB platform, but every time, Truist Bank marks the case as resolved simply to close the complaint. However, the situation remains completely unresolved, and I still do not have access to my money. 

This issue has caused me extreme financial hardship. I have been unable to work, my bills and mortgage payments are overdue, and I have suffered significant losses. I even hired legal counsel, but the problem continues. 



Requested Resolution : I respectfully ask for the CFPBs immediate assistance to : Ensure that Truist Bank releases the full amount of {$47000.00} to me, the rightful holder of the funds Investigate Truist Banks handling of this case Prevent further financial harm to me and ensure my consumer rights are protected I am once again attaching all supporting documents, including the official letter from XXXX XXXX XXXX  confirming the authenticity of the cashiers check. 

I sincerely ask for your urgent intervention, as I can not afford to continue without access to my own money, which is essential for my business and personal obligations. 

Thank you for your time and attention. 

Sincerely, 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 2025-07-07 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
This account is being inaccurately reported on my credit file. It is showing as a collection account, but I do not recall ever opening or being associated with it. Its possible there has been a mix-up with another individual

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
On XX/XX/year>, I contacted my auto loan company to move my XX/XX/XXXX payment to XX/XX/XXXX. Their representative said it would be canceled and I had nothing to worry about. However, on XX/XX/XXXX, the payment still processed. A second rep told me it would be canceled, and I trusted that info so I made another payment on XX/XX/XXXX. 

Both payments were withdrawn from my account. I sent documentation on XX/XX/XXXX as requested. Since then, Ive been told a refund is in process, but Ive received no date, no confirmation, and no timeline. Ive asked for escalation multiple times. On XX/XX/XXXX, I contacted their live chat again and was told today is the fifth day and to call back tomorrow then the rep closed the chat before I could screenshot it. The company has admitted their rep gave me incorrect information, yet they are delaying my refund and refusing to provide any clear answers or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Urgent Credit Report Dispute Inaccurate and Misleading Reporting ( FCRA Violation ) To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate information reported to TransUnion that violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

According to my recent credit report, I am being inaccurately reported for multiple debts. This is false and misleading. I only have one open and active account with a balance of $ XXXXyet the report implies I owe more, which is entirely incorrect. 

This is a direct violation of : 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation. 
15 U.S. Code 1681e ( b ) Failure to maintain maximum possible accuracy. 

I have attached screenshots for evidence. I demand the inaccurate information be corrected or removed immediately. Continuing to report false information is not only unethical but legally actionable. 

If this dispute is not handled with urgency and the error is not corrected, I will not hesitate to pursue formal complaints with the FTC, State Attorney General, and consider legal action for damages und

er 15 U.S. Code 1681n and 1681o. You are hereby on notice. I expect a resolution within the required 30-day
timeframe.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Approve Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX send XXXX letters by mail all XXXX stated we had a good chance for approval to refinance the vehicle they also included in the letter how much OUR current payment is and how much it would be lowered if we went with them for our refinance vehicle. The vehicle is under my son XXXX XXXX and I am the co-signer. They guaranteed both of us they could lower our payments. All we had to do is let them run our credit with a soft pull first to verify we would Qualify and not harm us if they did a hard inquire that would affect our credit score. We agreed since it was a soft pull. After that they said we did XXXX and that they would give application to the underwriting department. And also stated that the underwriting department will do a hard pull just to verify. Days later we my son and I have a XXXX hard pulls affecting our credit. But the worse part is WE GOT DENIED AFTER THEM STATING WE WERE APPROVED AND THATS WHY THEY SEND OUR APPLICATION TO THE UNDERWRITING DEPARTMENT!!! Now we are here with a bad score and no refinancing. The girl stated that XXXX, transunion had a new policy that if a credit was ruled more than twice IT WOULD COUNT ONLY AS XXXX.. 
NOT TRUE! 
FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR OR DECEPTIVE ACTS OR PRACTICES IN OR AFFECTING COMMERCE ARE UNLAWFUL ( BY GUARANTEED RESULTS THAT DONT EXIST ) UNDER THIS ACT I CAN DO A LAWSUIT FOR ( FTC- DECEPTIVE PRACTICES ) ( FCRA- CREDIT MISUSE ) ( STATE CONSUMER PROTECTION LAWS- XXXX DECEPTIVE TRADE PRACTICES ACT FOR XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
the company has it as a charge off did not provide me with a XXXX or have not removed this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Used my Chase checking to pay my daughters student loan off with 2 separate payments. It was a ACH payment. The student loan servicer XXXX and the servicer taking over XXXX claim they never received payment. Since transfer done thru my Chase acct and is gone. It should be reversed since no one received any monies. Then I will again try to pay it off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because the following negative accounts were formally disputed by my client but were never marked as disputed by consumer on their credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Grounds Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Requires furnishers of information to notify credit reporting agencies ( CRAs ) when a consumer disputes an account.

15 U.S.C. 1681e ( b ) : Requires CRAs to maintain maximum possible accuracy in consumer reports which includes the obligation to show dispute notations.

15 U.S.C. 1681i ( a ) : CRAs must conduct a reasonable reinvestigation and maintain accurate records reflecting the dispute during and after that process. 
When a consumer disputes an account, the law mandates that the account must be clearly marked as disputed by consumer while under reinvestigation or even afterward if the dispute remains unresolved. 
Actual Violation : The credit bureaus and/or furnishers failed to apply dispute notations to the accounts listed above, even though disputes were submitted. 
This omission misleads creditors and falsely implies that my client accepts the validity of the derogatory items. 
This is considered materially misleading and inaccurate, violating both the CRAs and furnishers duties under the FCRA. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Failing to report a consumer dispute can render a credit report inaccurate, exposing the furnisher and CRA to liability. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to mark a known disputed account misleads creditors and violates the FCRAs requirement for accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I deposited a {$5000.00} cashier 's check into my PNC checking account on XX/XX/year> via a bank teller. On Monday, XX/XX/year>, I expected the funds to be cleared, however, my account was showing a negative balance over {$1000.00}. I called PNC Bank customer service line and was informed by the representative, XXXX, that the funds have not been cleared. I shared with XXXX that federal regulations state cashier 's checks are to be cleared within the next business day from the date of deposit. XXXX stated there are exemptions to the federal regulations that can cause a cashier 's check to take longer to clear, such as suspicious cashier checks, etc. I stated to the representative that I had not been notified of any delays or reasons for delaying the clearance for the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one checking account was closed on XXXX I haven't receive the close account check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
The account in question is being reported incorrectly on my credit report. It appears as a collection, but I have no recollection of ever having this account. There may have been a case of mistaken identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I have previously disputed with XXXX XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX reported XX/XX/year> Credit limit {$120.00} they made a mistake on my credit report and they said that was remaining it off my credit report and its still showing on my credit reports need it removed

Company response to consumer: Closed with non-monetary relief