vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting. 

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards. 

Please provide a written response detailing the results of your investigation within 30 days, as required under the FCRA. If any item remains on my report, kindly include the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner is reporting a Progressive account with missing information, inconsistent dates, and no original creditor documentation. They did not provide a validation letter as required under FDCPA 1692g, and they continued updating the account during an active dispute, violating FCRA 623 ( a ) ( 3 ) and FCRA 623 ( a
) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

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 non-monetary relief
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: PA

Complaint narrative:
OK, so XX/XX/year> I ended up going to a job site with XXXX the app and I forgot to update my direct deposit information to my new Cash App account because I lost access to my old Cash App account so the deposit ended up going into the old Cash App account that I cant gain access to because I lost access to the email and the phone number that is associated with that account. So I called Cash App and I tried to explain everything to them. I gave them all my information. I gave them the old email address and they gained access to the owed Cash App account. They said yes the deposits on the account but they cant close the account and they cant resend that paycheck to my employer so they can resend the money to my new Cash App account or bank account. This doesnt make sense because I have multiple ways to prove that I am who I am. I have my Social Security card? I have a drivers license with my picture. I have a birth certificate so this is very inconvenient and unprofessional and its basically that Im stealing money from me because they arent trying to escalate the problem and there should be a solution, especially if both accounts were verified with the same drivers license. So I just got off the phone XX/XX/year> and they escalated the issue to a supervisor to see what they can do but I was told more than likely there is nothing they can do. So I wan na find out if I can sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I had put a car in my name for someone which they got it repossessed because they wasnt making payments on it, they got the car back & added on my credit but now they are garnishing my checks I didnt receive any notification that they where going to be doing that until they started taking payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
XX/XX/year> Debt : {$680.00} Company : Progressive Re : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern : This letter is a formal request for validation of the alleged debt you have contacted me about.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including itemized accounting of all fees and interest 3. Documentation showing that I am legally obligated to pay this debt 4. Proof that your company is authorized to collect debts in my state 5. Copies of any contracts, agreements, or account statements related to the alleged debt 6. The date the debt was incurred and the date of last payment 7. Proof that the alleged debt is within the statute of limitations for collection Until you provide the requested validation, you must cease collection activities, including phone calls, written communication, and credit reporting, as required by 15 U.S.C. 1692g ( b ).

If this alleged debt has already been reported to any credit bureau, you are required to notify them that the debt is disputed.

Please send the complete validation package to me by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I am submitting this formal complaint regarding Santander Bank, N.A.s handling of an investigation related to a returned check that was deposited into my checking account. 

On or around [ insert date ], I deposited an outside check through mobile deposit after first visiting the Santander XXXX XXXX to request verification. I explained to staff that the check was from an external bank and asked if they could confirm its validity. I was told that Santander could not assist with verification because it was not a Santander-issued check, and that I could proceed with the deposit. 

The check initially cleared, and the funds were made available in my account. However, approximately XXXX days later, the check was returned. Santander attempted to contact the issuer, but when they were unable to reach that person, the bank placed full responsibility on me for the balance of the check and the resulting negative account fundsdespite the fact that I acted in good faith and sought assistance before depositing. 

I have consistently disputed this determination. Since XX/XX/year>, I have : Contacted Santander multiple times requesting a reinvestigation ; Submitted XXXX written demand letters requesting a proper review of the check verification process and account decision ; Most recently sent a final demand letter, which has received no response.

To date, Santander has not provided written findings, not addressed the branchs refusal to verify the check, and not explained the investigation process or the basis for the determinationdespite my repeated requests.

This unresolved issue has caused me significant financial hardship, including : Damage to my account standing ; Inability to access banking services normally ; Personal financial strain and instability ; Time lost attempting to resolve the matter ; Emotional distress related to the lack of communication and accountability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WV

Complaint narrative:
I have been a Chime customer for 2 years now. Never had any problems. I take advantage of the XXXX feature where you can access up to {$500.00} of your paycheck early. Ive taken advantage of the instant loans they offer. I use my card for normal, daily expenses that anybody does - XXXX, XXXX, to pay my bills, etc. I got an email today - after 2 years with Chime and never an issue - saying that they are closing my account in a month. I of course had no idea why, so I called customer service. I talked to XXXX different people and each one only told me it looks like your account is being closed due to violation of policy and procedures. I said how? I use my card to get food, shop and pay my bills! Every person I spoke to had the same response : that is all Im seeing on my end and all I can tell you I said so you cant give me an explanation to what I supposedly violated? Their response no. The second woman even hung up on me. How is that allowed????? I said what do I do about my instant loan I have through Chime that I owe on if youre closing my account ( Ive already made a few monthly payments but I still owe {$910.00} ). I was told I had until my account was closed ( XXXX MONTH ) to pay it off or it would affect my credit score negatively. So just a recap : I have to switch my bank and all my accounts linked to it within a month and Im not truly being given an explanation as to why and I somehow have to cough up {$900.00} in a month as well. Please tell me how this makes sense or is allowed??????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting this dispute regarding the following accounts listed below. Please review and investigate them according to the Fair Credit Reporting Act ( FCRA ) and make the necessary corrections if any inaccuracies are found. The details of the disputed accounts are provided below : Experian ( EX ) Disputes : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$340.00} AFFIRM XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$410.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$360.00} AFFIRM XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$100.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$79.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$390.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$360.00} AFFIRM XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$170.00} AFFIRM XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$180.00} AFFIRM XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$190.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$1300.00} XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$250.00} Inquiries : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have requested a voluntary surrender of my vehicle with Credit Acceptance. They refuse to provide a drop-off location or accept the collateral. This forces interest to continue accumulating unfairly. Under UCC 9-620 and 9-609 they must accept surrender when tendered. I want to surrender the vehicle peacefully, end interest, and resolve the account, but they are blocking the process. Please investigate and compel Credit Acceptance to accept the collateral.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my Experian credit report. I believe that the information listed is inaccurate, and I would like to request a full investigation of these entries. Below are the details of the disputed accounts and inquiries : Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am disputing several items being reported inaccurately on my Experian credit file. These entries are either unverifiable, outdated, or reported in error. 

Accounts in Dispute ( Charged Off ) : DEPTEDXXXX Account # XXXX Date : XX/XX/XXXX Amount : {$1800.00} DEPTEDXXXX XXXXcount # XXXX Date : XX/XX/XXXX Amount : {$2900.00} XXXX  Account # XXXX Date : XX/XX/XXXX Amount : {$3000.00} These accounts are inaccurately reporting as charge-offs. Please verify all account ownership, balances, and reporting dates. If unverifiable, please remove them in accordance with FCRA XXXX. 

Hard Inquiries in Dispute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing several of these inquiries. Please provide proof of permissible purpose and authorization. Any unverifiable inquiry should be removed. 

Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide verification of each reported delinquency and its date. If verification can not be substantiated, these late marks should be deleted.

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