vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$31000.00} I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the XXXX  credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you XXXX XXXX XXXX XXXX XXXX XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( ATTACHED TO THIS COMPLAINT WITH SUPPORTING EVIDENCE ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I did not give permission for my information to be sold. I would like the original contract with my wet signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I had made a purchase at the XXXX in XXXX, PA on XX/XX/year> and a credit was supposed to be put back into my checking account and it has not been put back in and I want to know why? Santander is the only bank that I know of that holds funds back. 

I want the credit of {$15.00} to be put back in my account immediately. I am sick and tired of Santander causing so many issues with my accounts. I just paid off my Santander credit card and closed it because I was having so many issues and they were not rectifying them.

I sent Santander executive 's office a copy of the receipt for the {$15.00} that I was incorrectly charged. 

I really want to switch Banks but the problem is my social security is what I am living on and is getting direct deposited every month into my checking account and I don't know what kind of problems I'll have if I have to stop it and transfer it to another bank since I pay all of my bills from Santander online banking checking account.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I did not give permission for my information to be sold. I would like the original contract with my wet signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Notice of Dispute Fair Credit Reporting Act ( 15 U.S.C. 1681i ) To Whom It May Concern, I am disputing the accuracy of the following information on my Equifax credit report : Creditor/Account Name : PROFESSIONAL DEBT MEDIATIO Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Not my account / Incorrect balance / Account was paid/ No authorization given Under 15 U.S.C. 1681i, please investigate, verify, and remove or correct any item that is inaccurate, incomplete, or can not be verified. 
Please provide me with the results of your reinvestigation within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX  I received calls from a XXXX XXXX number, XXXX, regarding suspicious activity on my account in Michigan, Indiana, and New York. The representative identified himself as XXXX XXXX ( ID : XXXX ) and stated he was on a recorded line. He provided my card number, my mothers maiden name, and the last four digits of my Social Security number. I did not provide any personal information except for a verification code he texted me, which I gave only after questioning why I hadnt received alerts for charges over {$50.00}. 
On XX/XX/year> I called the number on the back of my XXXX XXXX card and reported the incident. I was told that representatives can ask for any information and that sending verification codes is standard practice. I was informed that my card had been canceled on both XX/XX/XXXX and XXXX, and that new cards would be issued. 
I declined the offer to receive a temporary card number. 
They did send me new cards as they told me I can use the new cards and pay for the charges I incur. All the while they said they were working on the fraudulent charges. 
However, when I received my billing statement, it showed a balance of {$11000.00}. I contacted XXXX XXXX again and was told from XXXX 's XXXX that the fraudster had somehow bypassed the notification system. I confirmed that I still had the physical cards in my possession. 
I have filed a police report with Deputy Frost ( XXXX ) at the XXXX XXXX XXXX Sheriffs Office ( Report Number : XXXX ) and am working with their Fraud XXXX XXXX XXXX XXXX XXXX XXXX ). 
On XXXX separate occasions, each at the beginning of XXXX, XXXX & XX/XX/year>, Synchrony Bank sent correspondence indicating that results of their fraud investigation determined that I participated in or authorized the charges that I am disputing. Within 2 days of each of these notices, I additionally received correspondence from Synchrony Bank that acknowledged immediate cancellation of my credit card, temporary credit for the disputed charges, and opening of investigation into the claims. To date, Synchrony Bank has refused to provide me any details of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
To begin, I do not have ( and have never had, in any capacity ) a Chase credit card. My father had added me as an authorized user on his Chase United Explorer Visa card back in summer XXXX while I was studying abroad, but removed me after the summer ended. 

I initially applied online for a Chase Sapphire card back in XX/XX/XXXX but strangely was auto-rejected immediately. Upon visiting a local Chase branch in XXXX, I came to discover that there was another customer with an active Sapphire product that had my SSN attached to their card. A Chase rep called in to the backend office on my behalf ( as branch staff do not have access to the backend system and can only assist with filing new applications? ) and wasted XXXX hours getting jerked around by several internal Chase departments who kept punting the issue/responsibility to other departments. They did confirm that the other customer was legitimate, was not related to me, had opened their account over 10 years ago, and some Chase rep had likely entered my SSN inadvertently. After I left the branch, said Chase XXXX ended up leaving the company within a few months so my issue was not resolved and Chase never bothered reaching out to me. 

Earlier this year, I tried applying again due to Chase 's XXXX points offer but was rejected again as the other customer still had my SSN attached to their card. Since XX/XX/XXXX, I have applied XXXX more times ( apparently applications are only good for 30 days ) and wasted countless hours on the phone during working hours getting redirected fruitlessly between : Chase Customer Protections group, Fraud Operations team, New Account Screening team, Fraud Security team, Chase Underwriting Dept, Card Lending Services, Customer Service, Credit Bureau Dept, Acquisitions/Reconsiderations , Fraud Verification , Card Lending/Escalations, Credit Card Servicing, Backend team , Fraud Specialist team. I have had to re-explain my situation to every single rep, and every time without fail the rep on the phone eventually punts me to some other department with no resolution or accountability. 

To be perfectly clear : NO ACTION has been taken by the company in the XXXX years that I have been trying to get this resolved and they refuse to take responsibility for ( or even acknowledge ) their mistake. I have also reached out to the Social Security Administration and TransUnion Credit Bureau, who supposedly escalated this issue with Chase directly but I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> T

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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Cease and Desist / Debt Discharge Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX NOTICE TO CEASE AND DESIST COLLECTION ACTIVITY To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt referenced above. Any further attempt to collect, report, or enforce this matter will be considered unlawful and in violation of federal law. Violation of Equal Credit Opportunity Act 15 U.S.C. 1691 Under the Equal Credit Opportunity Act ( ECOA ), no creditor may discriminate against an applicant regarding credit transactions. By attempting to enforce a debt that was extinguished upon execution of my original agreement, you are acting in bad faith and outside the scope of lawful credit practices. Payment Made by Operation of Law HJR-192 / Public Law 73-10 ( 1933 ) Congress declared in HJR-192 that since the United States abandoned the gold standard , all obligations must be discharged through legal tender or equivalent. When I signed the original contract/application, I furnished my signature, which operates as a negotiable instrument and perfected a security interest. This action constituted payment in full by law. Debt Already Satisfied By operation of law, the debt was satisfied when I executed the agreement and provided consideration. Any further attempt to treat this matter as unpaid is fraudulent misrepresentation. DEMANDS You are hereby ordered to cease and desist all collection activity, including reporting or attempting to collect this alleged debt. You must remove all negative reporting related to this matter from any consumer reporting agency ( credit bureaus ) immediately. Provide written confirmation within 15 days that this account has been discharged, closed, and will not be pursued further. Failure to comply will leave me no choice but to pursue legal action for violations of federal law, including but not limited to : the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and for damages under common law fraud.. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), only accurate and complete information may be furnished, and recent credit reporting rules state that paid or actively paid medical debts should not be reported. I requested verification and removal of this improper reporting. This letter is written without prejudice, pursuant to UCC 1-308, reserving all rights XXXX- XXXX XXXX Parker Authorized Representative Without Recourse UCC 1-308 ALL REIGHTS RESERVED BENEFICIARY

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 2025-09-10 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account was HACKED via Chime App. The Thief moved all my money from my savings to my checking account and payed two different Chime members my money overnight. It was a total of 8 transactions that I disputed the second I realized my accounts were all zeroed out only leaving me XXXX XXXX in my Credit builder account. I called Chime crying and pleading with them to refund my money. I was told to file a fraud claim, I did. I was transferred multiple times before I was finally asked to dispute the charges after telling them over and over again that I had been CLEARLY HACKED they kept accusing me of giving my information out or blaming the hack on my phone company. After banking with them for XXXX years I was so disgusted about the tone the supervisors were taking with me and NO ONE WOULD HELP. THEY told me it would take up to XXXX days to investigate only to be DENIED the next day. It happened at XXXX on XX/XX/XXXX and {$400.00} was missing but they only claimed {$380.00} in the dispute either way I was told I couldn't rebut bc I had no NEW INFORMATION after telling them I had absolutely no clue what or who did this and I was told to file a police report I DID THAT TOO. WHEN I had the final talk with a supervisor she agreed that there was no error mentioned on my end but there was no one I could speak with in investigations and I told her I am a single mom that has been Robbed and I feel sick I had a XXXX XXXX on the phone my children witnessed my attack and are crying in the background of the call ans I'm glad the calls are monitored bc they causes me to be literally sick and I suffer with extreme anxiety and was triggered so badly by being told " it's nothing we can do for you have a good day " and hung up on. I'm ALONE I HAVE NO MONEY FOR PULLUPS OR GAS FOR THE WEEK. I BEGGED AND SCREAMED FOR SOMEONE TO HELP ME GET BACK WHAT WAS CLEARLY STOLEN from me only to be dismissed and hung up on by the supervisor. I want my $ back it's My money and the savings and accounts were hacked and I followed all the protocols for a refund this is not right and I need XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
On XX/XX/year>, a check in the amount of {$110000.00} drawn from a trust account was deposited into a Navy Federal Credit Union ( NFCU ) account at the XXXX, New Mexico branch. NFCU accepted the deposit and provisionally settled the check. The check was cashed by NFCU on XX/XX/year>, and fully cleared on XX/XX/year>, with funds debited from the issuing bank 's trust account. 

Despite the clearance, NFCU imposed a hold on the funds citing suspected fraud, specifically because the beneficiary was not named on the account, and required coordination with the issuing bank to initiate a " recall '' or refund request, without providing evidence for the suspicion. 

In-person identity verifications were conducted at the branch prior to the deposit on or about XX/XX/year>, again in XX/XX/year>, and by the trust executor on XX/XX/year>, to address the concerns. They have also spoken to executor of the trust account and confirmed the appropriate information to ascertain its legitimacy. 

A Security Appeal Form was submitted on or about XX/XX/year>, contesting the restriction and noting the in-person verifications. A subsequent Security Appeal Form was submitted on or about XX/XX/year>, confirming the trust 's legitimacy and additional verifications. 

As of XX/XX/year>, approximately 79 days post-deposit, the funds remain held and inaccessible, exceeding the timelines under the Expedited Funds Availability Act ( EFAA ) and Regulation CC ( typically XXXX business days, or up to XXXX for documented cause ). This has caused severe financial hardship, including inability to meet housing and utility obligations, leading to risks of eviction and asset loss. 

On XX/XX/year>, a formal demand letter was sent to NFCU 's Legal Department via fax, demanding immediate release of the funds plus accrued interest, citing violations of EFAA, Regulation CC, UCC, and other laws, with notice of intent to file complaints and pursue legal action if not resolved within XXXX  business days. No resolution or response has been received to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC is trying to collect a debt that I do not own or have any information about. I already contacted the company with no results. I keep receiving text messages and probably phone calls that go to spam asking me to accept a payment plan.

Company response to consumer: Closed with explanation