vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 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 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that has been reported on my credit file. 
The account does not belong to m, e was opened without my knowledge or consen, tand is the direct result of identity theft. 
I have already filed an official Identity Theft Report through IdentityTheft.gov ( FTC ), Ive even mailed certifated letters to attempted to Pay FoXXXX XXXX XXXX XXXX XXXX to have it removed but to no avail. 
This account is fraudulent and must not be associated with my personal credit file. I did not open, authorize, or benefit from this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXXXXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXXXXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove

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 2025-10-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, a mechanical breakdown protection warranty was added to my vehicle loan under XXXX XXXX. XXXX and XXXX XXXX. XXXX without my knowledge or consent. The product was never presented or authorized by me at the time of purchase. Following formal complaints to the XXXX XXXX XXXX the Federal Trade Commission, and correspondence with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), XXXX confirmed that a full refund check in the amount of {$2900.00} was sent to Santander Consumer USAs corporate office for crediting to my loan principal. 

The check, number XXXX, was delivered on Friday at XXXX XXXX, signed for by XXXX XXXX, and confirmed through tracking number XXXX. Santanders own published policy states that overnight or expedited checks are processed and posted within three ( 3 ) business days. It is now well past that time frame, yet the funds have still not been applied to my account, and no communication or confirmation has been provided. 

I was explicitly promised by Santander representatives that this refund would be expedited, yet it remains unprocessed. Because of this delay, my loan payoff amount is inaccurate and I am unable to complete a required vehicle transaction with XXXX. I must return my current vehicle by Monday, and Santanders inaction is directly preventing that process, creating severe financial hardship. 

To make matters worse, when I contacted Santander today to follow up, I was yelled at and spoken to in an aggressive and unprofessional manner by one of their employees. This conduct is entirely unacceptable and violates Santanders duty of good faith and fair dealing with borrowers.

Santanders failure to process this payment promptly and its mistreatment of the consumer constitute violations of multiple laws, including : Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) requiring timely and accurate application of payments and adjustments ; Regulation Z ( 12 C.F.R. 1026.36 ( c ) ) mandating servicers to credit payments promptly and communicate payoff information ; Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ) prohibiting harassment and abusive conduct by loan servicers ; and Arizona Revised Statutes XXXX prohibiting deceptive and unfair business practices. 

I am demanding that Santander immediately post the {$2900.00} refund to my loan principal, update and confirm the correct payoff balance to XXXX, waive any interest accrued due to their delay, and issue a written acknowledgment of the employees misconduct. Failure to correct this immediately will result in escalation to the Consumer Financial Protection Bureau and Arizona Attorney Generals Office for formal investigation into Santanders servicing practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
I took out a loan through Cashapp XXXX. I have done this several times over the last several months. Most recently I paid my bill through my XXXX account debit card to cash app with two transactions on XXXXXXXX XXXX XXXX for {$29.00} and another for {$40.00}. These funds were deducted from my XXXX debit card from cashapp. 
However, Cashapp and Cashapp XXXX is still showing on the app that I am overdue and delinquent and they are charging me late fees daily. 
I have reached out to Cashapp support which is the only way to reach them and have received emails that are not addressing the issue. I have paid the bill and the account has not been updated it seems! When I call the phone number for cashapp customer service no one is able to help me beyond " escalating '' it to the loan department and I get an email from them that is not addressing the issue at all. I clearly state what the issue is in my complaint and they still are not doing anything about it. This could affect my credit in the months to come and they are charging me late fees because it is showing the loan is past due but it has been paid. 
This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/year> XXXX -Received a Social Security XXXX back payment, took the check to Chase Bank XXXX XXXX Berry and XXXX XXXX, XXXX Tn. 

XXXX processed the check deposit, then informs me afterward, that a XXXX hold ( XX/XX/year> ) would be placed on the check. Even when I provided documents that supported the check and its origin, which gave the break down of everything. 

- After a XXXX XXXX in the lobby, I go to the car to regroup, then return in to the branch to speak with the branch XXXX, who supports the tellers actions. ( Both ignoring the XXXX. For a Social Security XXXX Treasury Check ) -Forced to go home. I call XXXX, and eventually get hold of The HOLD Department, who tells me, there is no hold. 

- I log-in later, my account is stamped for that check, on-hold till XX/XX/year>. 
- I called back, but the hold department is closed, told to call back after XXXX central time. 
- I called back after XXXX, and the funds were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 request urgent correction of the inaccurate late payment on my report. My payment history is spotless, and this error has created undue emotional strain.

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 2025-10-22 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: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
Current / CRB Bank Deposit Account Account Type : XXXX deposit / spending account Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported/ Updated : XX/XX/XXXX Reported Balance : {$270.00} ( negative / unpaid balance ) Payment Status : Account closed by bank charged off / unpaid overdraft Remarks : Account closed by XXXX. Consumer disputes this account information. 
Reported To : Experian only Actions Taken by Current / CRB Bank The account was opened in XX/XX/XXXX through the Current mobile banking platform. 
In XX/XX/XXXX, Current reported the account as overdrawn with a negative balance of {$270.00}. 
Shortly after, the company closed the account, classifying it as closed by bank charged off. 
You filed a dispute with Experian in XXXX, after which the tradeline was updated to include the remark consumer disputes this account information. 
Despite your dispute and identity theft alerts, Current continued furnishing monthly updates through XX/XX/XXXX, keeping the status as charged off. 
No supporting records or authorization logs ( application signature, XXXX authorizations, or IP activity ) have been provided to verify your ownership or consent. 
The account remains unpaid and derogatory, negatively affecting your Experian report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My capital one auto loan was paid off on XX/XX/year>. There was an account overage that was to be refunded back to me on XX/XX/year> in the amount of {$1500.00}. I have yet to receive the check. I received a XXXX coverage refund check that was issued on XX/XX/year> within 7 days. I have attempted several calls to Capital One but their agents always disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 explanation
Consumer complaint received 2025-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I attempted making a purchase with after for a hotel for the XXXX XXXX in role va on XX/XX/year> the next day after check out I got a email saying it could not be authorized and i used my personal credit card that the difference from the deposit I had to pay after pay with XXXX. At this point it was fine in XX/XX/year> after pay toon XXXX times XXXX and XX/XX/XXXX took XXXX. I called my bank capital one and they keep saying the charges are valid even though i have provided this documentation from my personal credit card I paid the hotel with it tried resolving with the merchant with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

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 response to consumer: Closed with non-monetary relief