vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I believe my bank is unnecessarily and illegally holding funds for extended periods because they are hiding financial instability from the public. I couple of months ago I deposited a XXXX  check from a XXXX XXXX based company. The bank placed an extended hold on the check. I called and inquired. They told me when the check would be cleared. It wasn't so I called back and made a big deal about it. They said that I was lied to by the previous rep and that he could not have known when it would be cleared. I missed an investment opportunity because of the hold but the check was cleared. The next check that I deposited was a {$1200.00} check on XX/XX/XXXX. On XX/XX/XXXX, I saw that the check was on hold. I called the bank to inquire because this particular check is a check from a person that writes me the same amount every month, drawn on the same bank every month for the past year and it has never been held previously. This time It was held. The bank customer service rep and manager stated that it was held for security reasons and gave me examples of why it would be held longer than normal. I pointed out that none of those reasons applied. I had never bounced a check, this person had never bounced a check, they had a history to go by, and I had 11 times the amount in my account to cover the check so it in no way should have been held. The check did clear, and when I contacted the person that wrote the check, she sent me screen shots of her bank account and the check showing that her bank showed the check CASHED on XX/XX/XXXXXXXX- the day of deposit. So, Santander had my money from her bank since XX/XX/XXXX, and never cleared it until after I called when I accidentally noticed it was still held on XX/XX/XXXX. On, XX/XX/XXXX, I received a letter from Santander dated XX/XX/XXXX, stating that an extended hold was put on that check due to receipt of " confidential information that the check may not be cashed ''. It is very apparent that this letter was backdated to the date of XX/XX/XXXX, and that the cause of the hold was a rubber stamp they are using to surreptitiously hold checks they should not be holding. They sent me the same excuse in a letter for the previous check they held. What is this 'confidential information ' that is holding my checks? The only entities that knew I was depositing checks were ME, the person that wrote it, and the bank ... and the signers bank shows documentation that the check was cashed on 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 explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to my identity being stolen during the equifax data breach and the recent transunion data breach my credit has suffered irreparable damage and I would like the negative items erased

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to my identity being stolen during the equifax data breach and the recent transunion data breach my credit has suffered irreparable damage and I would like the negative items erased

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 2025-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I have they had a Bank of America credit card for many years. I have not been paying close attention to my credit card until about 3 months ago I noticed there were 2 charges on my credit card 1 was from XXXX which I have never ordered nor will I ever order because of more convictions and the second 1 was XX/XX/XXXX which I do not know how to operate and I have never used. I contacted Bank of America representative told him my problem told him it is not their fault for the last couple of months but I need this to stop right now. The person assured me that simply getting a new credit card would fix the problem. So I went through and got a new credit card changed all my accounts to the new credit card and then next month I still have a XXXX and a XXXX charge. I called again and got another Bank of America representative, he told me that what she did would not work because Bank of America has an agreement with certain companies to give them our new credit number without asking and this means we can't stop the continued use by these companies. So I filed a formal fraud complaint and he swore that there would be no more charges by XXXX or XXXX. I yet again had to get a new credit card number and had to change all my account settings and again this month they are again charging me for XXXX and if they continue on schedule I will have a XXXX bill in the next 3 days. 
They are simply refusing to stop these charges! My only true recourse is to get rid of all Bank of America credit cards. Which I plan on doing. My hopes are that the CFPD will help others avoid the same miserable experience. I appreciate any way that you could help others.

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 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: QC HOLDINGS INC
State: KS

Complaint narrative:
I went in to apply for a loan and have adequate income and credit history yet I was rejected for having too many emails, having too many bank accounts and not having correct loan history

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 2025-09-14 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: NC

Complaint narrative:
Equifax altered my XXXXXXXX XXXX XXXX  payment history retroactively. On or about XXXX XXXX, XXXX, XXXX months that were previously reported as Current were changed to late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late These late payments were not present on earlier reports and were added years later, which constitutes unlawful re-aging under FCRA 605 ( c ). A credit bureau can not go back years and insert new late payments that were never originally reported. 

This change has damaged my credit score, misrepresents my payment history, and violates my rights under the Fair Credit Reporting Act. I request that CFPB require XXXX and Equifax to either : Provide documentation of original billing records showing these lates, or Remove them immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/year>2025 was the last time i reached out to company. I have been trying to get an ATM card for months, & their system wont allow me to verify myself. When i call and speak with someone they continuously try to send me to the app and it keep not allowing me. I deposit my paycheck in this count and have no card to get access to my funds, unless i transfer to another card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX with conflicting information. XXXX XXXX closed my account with the Incorrect address and incorrect balance. XXXX XXXX sent me two letters, each showing different balances. I paid this account off and there should be a XXXX balance. Also, XXXX XXXX reported my account late to the Credit Baures ; XXXX, XXXX  and XXXX. 

GM Financial, XXXX XXXX, XXXX XXXX, XXXX and XXXX reported late payments to my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Kikoff Inc.
State: TX

Complaint narrative:
I was contacted by XXXX XXXX with conflicting information. XXXX XXXX closed my account with the Incorrect address and incorrect balance. XXXX XXXX sent me two letters, each showing different balances. I paid this account off and there should be a XXXX balance. Also, XXXX XXXX reported my account late to the Credit Baures ; XXXX, XXXX  and XXXX. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX and Kikoff reported late payments to my personal credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Request for Security Freeze on My Credit File Dear Credit Bureau, I am formally requesting a security freeze ( credit freeze ) be placed on my credit file maintained by your agency in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605A.

This request is being made to prevent unauthorized access, credit inquiries, or the opening of new credit accounts in my name without my express consent. 

Personal Information : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : [ Insert SSN ] Date of Birth : XX/XX/XXXX My Demands : Place a credit freeze on my file immediately. 

Provide me with written confirmation and a PIN or password that must be used to lift or temporarily suspend the freeze in the future. 

Ensure no third party has access to my credit file without my express written authorization. 

Please process this request immediately and send confirmation to the address listed above. 

Sincerely, XXXX XXXXXXXX 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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank was supposed to give me my money within 2 days one of the checks kicked back because it looked a little funny but my boss had no problem with me cashing him and never complained about it they only complained and gave me a hard time and will not give me my money and made me cash my check and I got half when it was already closed and didn't even notify me so I could just cash the whole check and be done with them instead they wanted to keep my money for a month now on purpose I feel like they did this on purpose to a lot of people too make a bunch of money to make money think about it they hold {$600.00} and {$500000.00} people for a month that gives him a lot of leeway not right when you close the account or if they close it they didn't let me know nothing about anything the moment I deposit the check 2 hours later they close my account what's supposedly it was already closed they knew what they were doing they're trying to fry me I feel like

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information under the FCRA To Whom It May Concern, I am writing to dispute the following information in my credit file. I have reviewed my credit report and found inaccurate information that must be corrected or removed. 

Creditor Name : XXXX XXXX Reason for dispute : Not my account / Incorrect balance / Paid in full / etc. 

Under the Fair Credit Reporting Act, you are required to investigate this matter. Please provide written confirmation of your investigation and the results. 

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 non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
My account was compromised in XXXX so my card was locked and I was issued a new card then my account was never unlocked even with multiple attempts to prove my identity and multiple requests then XXXX XXXXXXXX XXXX  disappears from the account when it is closed and I still didn't get a final deposit from the accountinstead they are now ignoring all requests for a deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NV

Complaint narrative:
Disputed error on my credit report with XXXX XXXX XXXX XXXX credit card XXXX, Equifax, XXXX, and XXXX still report errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have terminal XXXX XXXX and permanently XXXX and am barely able to survive on my ssi benefits each month but desperately need that money to live and without notice navy federal credit union ( my bank ) has frozen my funds due to a levy they claim was made by XXXX. I never got any kind of prior notice whatsoever from my bank or XXXX. On XX/XX/year> I called XXXX XXXX to inquire why my account was frozen and they said I needed to call XXXX to resolve it and I was given a phone number by my bank which was a number of somebody trying to sell me a medical device. I googled the direct number for XXXX and was told they have no record of me. I called my bank back on XX/XX/XXXX to report what XXXX told me and they did nothing and referred me back to XXXX to resolve and further stated they have no authority to release the freeze on my account even though I informed my funds are exempt from levy or freeze. This has caused extreme stress and hardship on my mental health and wellbeing on top of my ability to survive. This has also interfered with my XXXX XXXX treatments that are keeping me alive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANNER CORPORATION
State: WA

Complaint narrative:
An account I had with Banner Bank went under as I became homeless with a breaking car over the course of it's overdrawl. The account has been settled since then, according to my personal credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I wanted to open a checking account with the bank " Current ''. I went through the online process of opening the account, and was pretty standard as I went through the steps in the application. In XXXX of the steps, I had to choose the type of card I wanted after I had just added my Direct Deposit information for the checking account in the step prior. This looks like a esthetic step ( do you want the card in XXXX  or other XXXX ). 

The first option and the card by default is the " XXXX XXXX '', and does not say ANYWHERE that this is a credit card. There is no pop-up or extra verification indicating that they will do a hard-pull on your credit card report. When I saw " XXXX XXXX '' I assumed this is the name of the checking account debit card that I just entered all my information and had just set up a direct deposit for, NOT A CREDIT CARD. 

Immediately after opening the account and realizing that they had opened a credit card for me that I had not intended to open, I contacted customer service and they offered no resolution but to close the credit card. Leaving me with a hard inquiry in my credit report. 

This is predatory behavior and they are very clearly trying to conceal that they will be opening a credit card for you by XXXX ) Associating the checking account that you are actually trying to open with this unrelated credit card, and XXXX ) Making it the default card to open instead of the debit card while not calling it a credit card, but calling it " XXXX XXXX '', causing further confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CT

Complaint narrative:
I am a victim of fraud and identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. INCLUDED IS MY FTC REPORT I dispute the following accounts which are a result of identity theft or fraud : 1. UNAUTHORIZED ACCOUNT, NOT MINE -- - XXXX XXXX XXXX XXXX 2. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXX 3. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXX 4. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXXXXXX 5. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX 6. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXXXXXX Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act. I have included my personal information to validate my identity and I request that all false information be deleted from my credit consumer report. Based on the previous information, I am hereby demanding deletions to the above referenced accounts from my consumer report file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c- 2 ) Block of Information Resulting from Identity Theft I saw addresses on there that are not correct I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE ENCLOSED A COPY OF MY POLICE REPORT, FTC REPORT AND IDENTIFICATION FOR YOUR RECORDS. I looked up your website and I have enclosed the proof of current address that you require. 
To make the deletion easier, here is a list of the incorrect addresses THAT NEED TO BE DELETED FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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