vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against santander Bank, Branch Address : XXXX XXXX XXXX XXXX, XXXX, New York XXXX, for a false and misleading denial of credit in violation of the Equal Credit Opportunity Act ( ECOA ), 15 USC 1691. On [ XXXX XXXX XXXX XXXX  ], I visited the aforementioned branch and requested to apply for a bank home loan in the amount of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX under Federal Statute 31 USC 3123. However, Branch Manager XXXX XXXX she refused to provide me with an application, thereby denying me the opportunity to obtain credit. This denial is in direct contravention of the ECOA, which prohibits creditors from discriminating against applicants based on certain characteristics. Furthermore, banking officers have a duty to comply with federal law and regulatory requirements, as outlined in 433.3 and the FDIC Statement Concerning the Responsibilities of Bank Directors and Officers. Which have obligations to discharge duties owed to their institution and to the shareholders and creditors of their institutions, and to comply with federal and state statutes, rules and regulations. Establishing and monitoring adherence to policies and procedures required by statute, regulation, and principles of safety and soundness ; and for making business decisions on the basis of fully informed and meaningful deliberation. Moreover, the Uniform Commercial Code ( UCC ) 4-103 and 4-202 also support my position, as they define the responsibilities of banks and their liability for wrongful dishonor. I respectfully require that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Santander Bank complies with federal law and regulatory requirements. Please find attached all relevant documentation supporting my claim. Thank you for your prompt attention to this matter.

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 2025-04-09 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This in regards to an alleged debt reporting on my XXXX XXXX XXXX from Caine & Weiner for {$210.00}. 

Caine & Weiner are reporting inaccurate information and they do not have permissible purpose to access or report this information under the Fair Credit Reporting Act ( FCRA ), Section 1681b.

I request that the access and reporting of the information be investigated for compliance with the law.

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ) they are required by federal law to verify through physical verification of the original signed contract to prove the account/debt is mine In addition according to XXXX XXXX XXXX XXXX  is not even certified/licensed to collect debt in the State of Florida so they are not in compliance and this is a violation of my consumer rights Please be aware I have been writing to XXXX since XX/XX/year> about these false allegations that need to be removed, I even notified XXXX & XXXX. 

I am reaching out now because I need your help with resolving this matter. 
Because these allegations are affecting me mentally and financially

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing regarding my XXXX XXXX credit account, which was set up with a promotional interest rate set to expire in XX/XX/year>. I had scheduled an automatic payment with the intention of paying off the balance in full before the promotional period ended. However, I later realized that I had only enabled automatic minimum payments, which unfortunately prevented the full balance from being paid off by the deadline. 

As a result, deferred interest has now been applied to my account. I recently contacted your customer service team to request a reversal or adjustment of these interest charges, but my request was denied. 

My account is in good standing, with no history of late payments, and I have since paid off the full financed amount aside from the interest that was applied after the promotional period ended. I truly believed I had taken the necessary steps to meet the promotional payoff terms and was not aware that the full balance had not been paid in time due to the auto-payment setup.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
according to 45 USC1626 c you have violated my right by in lawiul communications please remove this collection off of my credit report thanks You

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 2025-04-10 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-04-10 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$380.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$77.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$720.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and Experian 's responses to this complaint for your review.

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 
Sincerely, XXXX XXXX Attachments : * Copies of Experian 's responses * Copies of dispute letters sent to Experian

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 2025-04-09 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael J Adams PC
State: TX

Complaint narrative:
Hello. I was checking my bank account today and saw that my accounts were negative. My accounts are connected to both of my daughters accounts and their accounts are also negative. When I went to call my banks, they said there was a legal hold to a Debt collection law firm named Michael J Adams PC. I do not know of this person / firm and I did not authorize this transaction on my accounts or my daughter 's accounts. This amount was around {$2100.00} each across all three accounts in the past XXXX hours. 

I looked up the firm as well and there are many reviews calling it a scam and how there was no warning for other citizens as well. The firm does not answer any of their calls which is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
RE : Formal Dispute of Inaccurate Account ( s ) Report Number ( if available ) : [ Insert ] To Whom It May Concern, I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report : Account Name : XXXX XXXX  Account Number ( if known ) : XXXX Reason : This account is not mine, and I demand its immediate removal. I have never opened or authorized this account, and it is damaging my credit profile and reputation.

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 2025-04-09 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry suddenly showing up on my credit report. I had checked it like I normally do, but this time there were discrepancies I didnt expect. I refreshed my browser hoping it was just a glitch, but the issue remained. Im really frustrated and I want the documents Ive sent to be reviewed carefully right away so I can stop stressing about this.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, Experian and Equifax, I've previously attempted to dispute this account ; with no resolution.

This letter serves as a formal dispute regarding inaccurate late payment information currently listed on my credit report for the following account : Creditor Name ( XXXX XXXX XXXX  ) Account Number ( XXXX ) : My credit report currently shows a consistent pattern of " XXXX '' days late payments for nearly every month throughout XXXX ( XXXX ) and XXXX ( XXXX ). This pattern is highly improbable and suggests a significant error in the reporting of my payment history for this account. It is not realistic for an account to be exactly XXXX  days late each and every consecutive month over such an extended period. 

Furthermore, my credit report also indicates a status of " Paid or paying as agreed '' with an entry of " XX/XX/XXXX ''. This status contradicts the consistent listing of XXXX late payments in the preceding years, suggesting that the account was brought current. 
The consistently reported " XXXX '' days late status appears to be a data entry error, a system malfunction, or a misinterpretation of account status codes. This inaccurate reporting is negatively impacting my credit score, and I request an immediate investigation into this discrepancy.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was the victim of a scam involving someone impersonating Truist Banks fraud department. I received a call from someone claiming to be a Truist representative, who informed me of suspicious activity on my account. The caller spoofed Truists phone number and had convincing information, making me believe the communication was legitimate. 

Under the pretense of securing my account, the scammer convinced me to transfer {$1500.00} to XXXX XXXX. I believed I was following Truists official instructions to prevent fraudulent activity. My XXXX account then was hacked and used to puchase {$1400.00} worth of goods at XXXX XXXX of XXXX XXXX florida. 

When I realized I had been scammed, I immediately contacted Truist to report the fraud and requested a dispute and attempted to cancel the transaction. However, I was told that because I authorized the transaction, they would not refund the money despite the fact that I was manipulated into doing so through fraud and impersonation. 

This is a clear case of social engineering fraud, and I am requesting CFPB assistance in urging Truist to investigate this properly under the protections outlined in the Electronic Fund Transfer Act ( Regulation E ). I was misled into authorizing the transfer under false pretenses, believing I was dealing with my bank.

I am happy to provide additional details, call logs, and a police report if necessary. 



Company name : Truist Bank Amount involved : {$1500.00} Date of transaction : XX/XX/25

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 2025-04-10 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check for XXXX dollars into my BMO checking account. The guy that gave me the check said he has the money in his account. My account has been completely frozen. I cant log into the mobile app. Everytime i call to see whats going on i get told it will take 14 to 30 days before my account is unfrozen for me to access the funds and theres nothing i can do to get them to unfreeze my account. Ive had the same account for over 12 years. Deposited severeal checks for more than XXXX dollars and ive never had my account frozen. I even tried cancelling the check and was told i couldnt cancel it.

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 2025-04-09 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
I submitted a formal dispute to Equifax regarding the XXXX XXXX XXXX account due to multiple clear violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting guidelines.

In response, Equifax sent a letter claiming that my dispute was frivolous and refused to reinvestigate despite the fact that I submitted new relevant information, including updated screenshots, a notarized affidavit, and documentation of ongoing inaccuracies. 

These violations include : - Ongoing monthly CO ( charge-off ) notations reported from XXXX through XXXX. XXXX XXXX guidelines clearly state that charge-offs are final status codes and should not be updated monthly. 
- A past due balance of {$2600.00} is still showing, even though the account was charged off. This is inaccurate and misleading.

- Late payment notations are being reported after the charge-off date, which violates Metro 2 and FCRA rules.

- Equifaxs refusal to reinvestigate, despite receiving new and relevant information, violates FCRA 1681i ( a ) ( 3 ), which requires a proper reinvestigation unless the dispute truly lacks merit which mine does not.

My dispute included : - Updated credit report comparisons ( Equifax vs. XXXX ) XXXX Screenshots of the CO notations and payment history - Proof of certified mail delivery and notarized affidavit Despite this, Equifax marked the dispute as frivolous without explanation or documentation, and refused to investigate further.

Company response to consumer: Closed with explanation