vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX ( formerly XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Re : Dispute of Debt and Request to Cease Collection Account # [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute the alleged balance on my account following the repossession and sale of my vehicle. Despite the car being repossessed and sold, I am still being asked to pay an alleged deficiency balance. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation of this debt, including : A complete, itemized accounting of the loan, including all payments, fees, repossession costs, sale proceeds, and the calculation of any alleged deficiency. 

Copies of the repossession notice and notice of intent to sell, as well as documentation showing the vehicle was sold in a commercially reasonable manner. 

Proof of any assignment of this debt or legal right to collect from me after the sale. 

Until proper validation is provided, I request that all collection activity cease immediately, including phone calls and reporting to credit bureaus. Attempting to collect without providing the requested documentation is a violation of federal law. 

Additionally, I request that all credit reporting be corrected to reflect only accurate and verified information, including the repossession, sale, and any legitimate deficiency. 

Thank you for your prompt attention. I expect written confirmation of receipt and actions taken regarding this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
In Cash App, I sent my husband XXXX XXXX {$630.00} on XX/XX/XXXX. Despite repeated calls to Cash App, my funds transferred were not refunded and my husband is not able to transfer funds to his bank account. Despite repeated calls, we have not had any resolution. The company support staff states we should receive an email from their Review Team. We never get an email. We want the {$630.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Account close XXXX XXXX reporting negative ask that it be restore or erase completely off my report this is a violation to my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TN

Complaint narrative:
Complaint Against : Cash App ( Block, Inc. ) Issue : Cash App has failed to properly apply overdraft coverage to my account despite my proven eligibility. Their support team admitted in writing that their system did not recognize my XXXX direct deposit from XXXX XXXX, which blocked my overdraft coverage. I have provided screenshots and proof that I deposit over {$300.00} each month, as required. 

Instead of fixing this system error, Cash App continues to send me automated replies that ignore my documentation. Most recently, I was told again that I need to deposit $ XXXX even though my deposit history shows I already do. This demonstrates that my case is not being reviewed properly. 

I have sent various replies to emails with screenshots. You can clearly see I received an XXXX XXXX from the same buinsess for the same amount each month. Some reps said I didnt get a depost that month others say i do and it was their mistake and would be fixed asap. I got a depost XX/XX/XXXX of XXXX same i get every month. It just didnt register in the overdraft section that i got a depost in XXXX and they were to update my account/fix it so the overdraft feature can be turned back on Impact : I rely on overdraft coverage for essential expenses while waiting on my XXXX check. Cash Apps refusal to resolve this issue has caused financial hardship, forcing me to find alternatives to meet basic needs. 

Steps Taken : I escalated my case multiple times through the Cash App app and XXXX. 

Support acknowledged the issue was on their side and escalated to the correct team. 

I continue to receive no resolution after more than XXXX weeks. 

Desired Resolution : Immediate correction of my account so overdraft coverage is restored. 

Written explanation of why my eligibility has not been applied. 

Review of Cash Apps complaint handling process, as customers are being ignored with template responses instead of actual support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: DC

Complaint narrative:
The debt thats mentioned with this company has already been paid in full and settled with Original creditor. I have no contract of any with this company whatsoever. I have no knowledge of this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE REMOVE ALL FRAUD ACCOUNTS and HARD INQUIRIES FROM EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}

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 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IA

Complaint narrative:
I am on the XXXX plan and made a large payment of {$150000.00} on XX/XX/XXXX to prevent excess interest accrual when interest resumed on XX/XX/XXXX. That payment reduced my balance to {$150000.00} and paid off 11 of the loans in full. However, by early XXXX, my balance inexplicably increased to ~ {$170000.00}, and the 11 loans that had been paid off began showing new balances. As of XX/XX/XXXX, my balance was $ XXXXan unexplained increase of nearly {$17000.00}, far more than could be accounted for by interest. 
I immediately contacted EdFinancial, but they have failed to resolve this. When I first called, I was told the issue would be " researched '', yet the only responses I have received was an incomplete account summary of financial activity which does not even show the interest or explain how balances are calculated. Despite multiple requests, I have not been provided a full transaction ledger, which servicers are required to maintain under federal law.

Resolution Requested : A complete transaction ledger beginning XX/XX/XXXX for each loan ( showing principal/interest balances, all payments, interest accruals, and fees ). 
Correction of all loan balances, including reinstating the 11 loans that were paid off on XX/XX/XXXX to {$0.00}. 
A clear written explanation of how my balance increased from {$150000.00} on XXXX to ~ {$170000.00} by XX/XX/XXXX. 
I am also contacting the XXXX Department of Education and my state senator regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file that doesnt belong 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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Creditor/Company Information : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Complaint Summary I am filing a complaint regarding inaccurate and unfair credit reporting by XXXX XXXX ( XXXX ) to the credit bureau XXXX  XXXX  and XXXX,. The account is reported as a derogatory, charged-off automobile loan, which is factually inaccurate and damaging to my credit profile. 

Reported Details ( per XXXX  ) : Balance : {$6300.00} Highest Balance : {$38000.00} Opened : XX/XX/XXXX ( 76-month term ) Last Payment : XX/XX/XXXX Current Payment Status : Charge-off / Profit & Loss Write-Off Worst Status : 90119 Days Late Account Remarks : Profit and loss write-off Issues with the Reporting 1. Account Status Inaccuracy The account is reported as a current charge-off, despite the fact that the last payment occurred over four years ago ( XX/XX/XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), outdated or misleading information may not be reported if it does not accurately reflect the accounts status.

2. Payment History Errors XXXX  shows only 1 % of payments made on time, which is mathematically inconsistent with the loans 76-month term and my payment history.

This appears to be false or incomplete reporting.

3. Balance Misrepresentation The balance of {$6300.00} is inconsistent with the accounts reported profit & loss write-off status. If the account was charged-off and sold, no balance should remain with XXXX. 
4. Duplicate & Contradictory Remarks The account lists Profit and loss write-off twice, but also shows a remaining balance due, creating contradictory reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Email : XXXX FTC Report Number : XXXX Statement of Facts I, XXXX XXXX, am the victim of identity theft. 

I submitted my official FTC Identity Theft Report and supporting documentation to TransUnion, Equifax, and Experian. 

Despite providing proof, the bureaus have refused to block fraudulent accounts, inquiries, and addresses, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these items multiple times with all three credit bureaus and through the CFPB, but no corrective action has been taken. 



Fraudulent Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX, fraud began XX/XX/XXXX, discovered XX/XX/XXXX ) Fraudulent Addresses XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Applicable Law FCRA 605B ( 15 USC 1681c-2 ) : Requires CRAs to block fraudulent accounts upon receipt of an FTC Identity Theft Report.

FCRA 611 ( 15 USC 1681i ) : Requires CRAs to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( 15 USC 1681s-2 ) : Prohibits furnishing inaccurate information once notified of identity theft. 



Demand for Relief I demand immediate : Deletion of all fraudulent accounts, addresses, and inquiries listed above.

Blocking of the fraudulent information under FCRA 605B.

Written confirmation from TransUnion, Equifax, and Experian that these deletions are permanent. 



XXXX XXXX I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct. 




XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is a formal legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Uniform Commercial Code ( UCC 1-308 & UCC 1-103 ).

I am disputing the following unauthorized and fraudulent hard inquiries and accounts listed on my consumer credit report. These inquiries were made without my written authorization or permissible purpose as required under FCRA 604 ( a ). 

FRAUDULENT INQUIRIES TO BE REMOVED IMMEDIATELY : XXXX XXXX XX/XX/year> Factual Data XX/XX/year> XXXX / XXXX In XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX and any other related inquiries tied to the above ] LEGAL BASIS FOR REMOVAL FCRA 604 ( a ) ( 2 ) : No inquiry may be made without my written authorization. I never provided such consent.

FCRA 609 ( a ) ( 1 ) : I demand full disclosure of the method of verification for each inquiry.

FCRA 611 ( a ) ( 1 ) ( A ) : You must investigate disputed items within 30 days.

FCRA 616 & 617 : Willful noncompliance entitles me to damages up to {$1000.00} per violation, plus attorneys fees.

UCC 1-308 & UCC 1-103 : I reserve all rights without prejudice, and no contract, obligation, or consent can be implied without my explicit agreement.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a formal legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Uniform Commercial Code ( UCC 1-308 & UCC 1-103 ).

I am disputing the following unauthorized and fraudulent hard inquiries and accounts listed on my consumer credit report. These inquiries were made without my written authorization or permissible purpose as required under FCRA 604 ( a ). 

FRAUDULENT INQUIRIES TO BE REMOVED IMMEDIATELY : XXXX XXXX XX/XX/year> Factual Data XX/XX/year> XXXX / XXXX In XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX and any other related inquiries tied to the above ] LEGAL BASIS FOR REMOVAL FCRA 604 ( a ) ( 2 ) : No inquiry may be made without my written authorization. I never provided such consent.

FCRA 609 ( a ) ( 1 ) : I demand full disclosure of the method of verification for each inquiry.

FCRA 611 ( a ) ( 1 ) ( A ) : You must investigate disputed items within 30 days.

FCRA 616 & 617 : Willful noncompliance entitles me to damages up to {$1000.00} per violation, plus attorneys fees.

UCC 1-308 & UCC 1-103 : I reserve all rights without prejudice, and no contract, obligation, or consent can be implied without my explicit agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
I'am writting regarding account number XXXX, which has been placed under my name XXXX XXXX XXXX I would like to make it clear that this debt does not belong to me, ,as I did not receive the XXXX XXXX referenced in the bill. The name of the debt is One advantage LLC XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX, the service supposedly in XXXX XXXXXXXX XXXX account number XXXX at XX/XX/year>. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Follow-Up New Evidence : On XX/XX/year>, I submitted a complete FTC Identity Theft Report ( # XXXX ) and FCRA 605B block request identifying this account as fraudulent and not mine. Despite this, Midland Credit Management has continued to attempt to collect and furnish the alleged debt to the credit reporting agencies. 

The debt stems from XXXX XXXX Bank, XXXX, but I never authorized or signed any agreement for this account. The debt is the result of identity theft, is outside Louisianas 3-year prescription period under Civil Code Art. 3494, and is therefore not legally collectible. 

I have repeatedly requested validation, including the original signed contract, full account history, and ownership/assignment records. To date, Midland has failed to provide this information and has instead continued furnishing contradictory and damaging information to the CRAs in violation of FCRA 607 ( b ), 611, and FDCPA 809810. 

Each day this debt remains on my file, it suppresses my credit score and causes ongoing harm, including denial of housing and higher borrowing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Subject : Request for Security Freeze and Blocking of Fraudulent Information Under FCRA Dear to whom it may concern I am writing to request both a security freeze on my credit file and the blocking of inaccurate information that has resulted from fraud. 
I recently detected fraudulent activity on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am exercising my rights to have all information resulting from identity theft or fraud blocked from my credit file.

Specific Requests : 1.

Security Freeze : Please place a freeze on my credit file immediately to prevent further unauthorized access or fraudulent activity. A Security Freeze be placed on my consumer file, pursuant to FCRA 609.

2.

Blocking of Inaccurate Information : Reason : A Block of any information that is inaccurate, unverifiable, or due to identity theft, as required under FCRA 605B. Fraud/Identity Theft

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