vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Subject : Business Account Frozen Without Notice Funds Withheld Since XX/XX/XXXX I am filing this complaint regarding my business account held by Santander Bank under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account has been frozen since XX/XX/XXXX, with an available balance of USD XXXX, and no prior notice, justification, or written explanation has ever been provided. 

I have not received any notification of a court order, legal hold, or regulatory requirement that would justify the continued restriction of my account. Despite multiple attempts to contact the bank, I have received no clear response, no timeline, and no explanation. 

XXXX Massachusetts This unjustified and prolonged freeze has caused severe financial hardship. My family is currently experiencing financial distress, my rent is overdue, and I have been unable to pay essential monthly bills, all because my business funds remain inaccessible without legal basis. 

I have fully cooperated with the bank and am willing to provide any documentation if required. However, withholding my funds indefinitely without justification is unreasonable and harmful. 

I respectfully demand that Santander Bank : immediately release the funds held in my account, or provide a written legal explanation for the freeze, including confirmation of any court order or regulatory mandate. 

I am requesting urgent intervention and immediate resolution of this matter, as the continued withholding of my funds is causing ongoing and irreparable harm. 

Desired resolution : Immediate release of the USD XXXX balance, or a written legal justification with a definitive resolution timeline.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable state laws. I hereby request a full investigation and the prompt correction and removal of this erroneous information 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services/LVNV Funding is reporting a XXXX XXXX XXXX  account that is not mine. I sent a written debt validation request by certified mail, which they received and acknowledged. Despite this, they have not provided any validation required under federal law.

On the phone, a supervisor identifying herself as XXXX XXXX stated she is not required to provide any further information and that they will NOT stop reporting the debt, even though it is disputed and unvalidated. She said the only action they would take is marking it as disputed. 

This conduct violates multiple federal laws : FDCPA Violations - 15 U.S.C. 1692g ( b ) A debt collector must cease collection activity until validation is provided. Continuing to report to credit bureaus is considered a collection activity.

- 15 U.S.C. 1692e ( 8 ) Prohibits communicating or threatening to communicate false credit information, including failing to report a debt as disputed and reporting a debt without proof it is owed.

- 15 U.S.C. 1692e ( 2 ) ( A ) Prohibits falsely representing the character, amount, or legal status of a debt. Reporting an unvalidated debt as accurate violates this section.

- 15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect a debt. Refusing to suspend reporting after acknowledging a validation request is unfair and coercive.

FCRA Violations - 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate. Reporting a debt with no validation is knowingly inaccurate.

- 15 U.S.C. 1681s2 ( a ) ( 3 ) Requires furnishers to report a debt as disputed. They did so only after I forced the issue, and they continue reporting without proof.

- 15 U.S.C. 1681s2 ( b ) After receiving notice of a dispute, furnishers must conduct a reasonable investigation. Continuing to report without providing validation is not a reasonable investigation.

Resurgent/LVNV is knowingly and willfully reporting an unvalidated debt, refusing to suspend reporting, and refusing to comply with federal validation requirements. I am requesting immediate CFPB intervention to require them to : 1. Provide full and complete validation, or 2. Remove the account from all credit bureaus, and to investigate the supervisors refusal to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
b"I am filing this complaint regarding my banks refusal to reimburse funds lost due to extortion and a coerced wire transfer.\nI was the victim of a serious crime involving credible threats of harm to my children. Because of extreme fear for my childrens safety, I acted under duress and was forced to comply with the demands made by the criminals. The wire transfer was not voluntary and was not truly authorized, as it was completed solely as a result of intimidation, coercion, and threats.\nI promptly notified my bank that this transaction was the result of extortion and wire fraud. I also reported the crime to law enforcement and to the FBI (IC3) and am cooperating fully with all investigations. Despite this, my bank denied reimbursement, stating that the transaction was authorized, without properly considering that it was made under unlawful coercion and psychological pressure.\nTreating a transaction made under threats to a customers children as authorized is unreasonable and inconsistent with fair consumer protection standards. I believe the bank failed to properly investigate this matter as a case of extortion and coerced fraud.\nI am requesting CFPB assistance to:\nReview the banks handling of my fraud and extortion claim\nRequire the bank to conduct a proper investigation recognizing duress and coercion\nRequire reimbursement of the disputed funds\nRequire the bank to provide a clear written explanation of its decision and applicable policies\nI am a victim of a crime, not a negligent customer. I respectfully request CFPBs help in ensuring fair treatment and appropriate resolution.\nMy name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nMy bank is citi bank\nAll amount was XXXXAll this happend in XXXX   but the bank refusing All help.\nI am talking to my doctor because i am feeling so depressed after this situation. I am walking with my kids to the car and i am checking if no one will take them. I can't sleep good anymore.My life change so much.My kids are little XXXX and XXXX years old. ALL PARENTS WILL DO THE SAME to save the children.These people told me how my kids look like what they wearing today.i was thinking  I will  end up in the hospital from XXXX.Please please help me.\nMY NUMER IS XXXX XXXX XXXX \nI WONT  be home from XXXX  eve until XXXX XXXX.I will  go to Poland to visit my sick grandma.My phone won't work there.\nXXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and continued reporting of hard inquiries, closed accounts, and a charged-off account appearing on my credit report. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report information that is complete, accurate, and verifiable. A charge-off is an accounting action taken by a creditor to classify an account as a loss. However, this designation does not relieve the credit bureau of its obligation to ensure that any information reported thereafter is accurate and legally reportable. 
I am requesting that you conduct a full investigation pursuant to FCRA 611 and provide written verification of this account, including confirmation that : The account balance being reported is accurate ; The account has not been canceled or forgiven ; and The information is being reported in compliance with all applicable federal laws.

If the account can not be fully verified, or if the debt has been canceled or forgiven, I demand that the account be promptly removed from my credit file. Additionally, if the debt has been canceled, I request written confirmation so that I may obtain the appropriate Form 1099-C from the creditor, as required by federal law.

Please note that failure to correct or delete inaccurate or unverifiable information constitutes a violation of the Fair Credit Reporting Act.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/year>, my Chase debit card was charged {$1200.00} by XXXX. 

I verbally canceled the XXXX service on XX/XX/year>, before this charge occurred. During that call, I was told the account would be closed and billing stopped. I did not authorize any renewal or additional charges after that date. 

At the time of the charge, I did not have access to XXXX. I did not have login credentials, account control, or the ability to use the service. I could not access the platform or receive any benefit from it. 

Any XXXX activity during that period was conducted by third-party telemarketers for a separate campaign, not my campaign and not for my benefit. I did not authorize my debit card to be used for services benefiting another party. 

I disputed the charge with Chase. Chase initially issued provisional credit, but later reversed the credit after the investigation, stating that there were prior transactions with the merchant. 

Prior transactions do not authorize a post-cancellation charge, nor do they authorize billing for a service I could not access or use. I did not receive proof that I re-authorized billing after XX/XX/XXXX. 

I believe this debit constitutes an unauthorized or incorrect electronic fund transfer and/or a billing error under Regulation E ( 12 CFR 1005.11 ). I am requesting a senior-level review and appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/year>, my mobile phone number was stolen and compromised. Upon discovering this, I immediately contacted my bank, Wells Fargo, to report the incident and explicitly requested that my account be frozen to prevent any unauthorized activity. 

Despite this notification and freeze request, multiple unauthorized transactions were processed on my account after I contacted the bank. These transactions occurred between XX/XX/year> and XX/XX/year>, totaling {$3400.00}. I did not initiate, authorize, or recognize any of these transactions. 

After discovering the unauthorized activity, I contacted Wells Fargo again to report the fraud and opened a formal fraud claim. I also took steps to secure my accounts, including changing passwords and working with my mobile carrier to secure my phone number.

My concern is that the unauthorized transactions occurred after the bank was notified of the phone theft and after I requested an account freeze. I believe the bank failed to adequately protect my account after receiving timely notice. I am requesting that all unauthorized transactions be reversed in full and that the bank provide documentation showing when my freeze request was processed. 

As of today, the investigation has not resulted in a full resolution or reimbursement of the disputed funds, and I am seeking regulatory assistance to ensure a fair and timely outcome.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion, Experian, Equifax Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name on my credit report ]. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Incorrect Contact Information : The phone number listed on my credit report, [ Incorrect Phone Number ], is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ TRANSUNION, EXPERIAN, XXXX  ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at or by email at XXXX 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 2025-12-23 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: SC

Complaint narrative:
I signed up for XXXX believing it was a credit card or loan where I would receive usable funds to build credit. I paid an initial signup fee of approximately {$25.00}. After signing up, I learned that I would not receive any money, credit line, or usable funds, and that XXXX only charges a monthly fee to report a tradeline. 

Once I realized this, I immediately attempted to cancel the account. XXXX refused to cancel unless I paid an additional monthly charge. I declined because I was not receiving any product, service, or funds in exchange. 

Despite this, XXXX has reported the account to the credit bureaus. I believe this reporting is misleading and unfair because I was misled into signing up, attempted to cancel promptly, and did not receive the product I reasonably believed I was purchasing. 

I am requesting that XXXX remove all credit reporting related to this account and cease reporting any negative or ongoing information.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the U.S. Federal Trade Commission that all of the above hard inquiries are the result of identity theft and fraud.

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 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am submitting this complaint regarding repeated, unfair, and potentially discriminatory treatment by Navy Federal Credit Union in connection with our cash-out refinance loan application on a property we own free and clear. 



Background : We applied for a cash-out refinance loan on a property we purchased outright using our personal savings. At no time has there been an existing mortgage on this property. 



Despite providing full documentation of our income, savings history, the source of funds used to purchase the property, and other required documents, we were repeatedly asked to resubmit identical information multiple times. This includes full bank statements and complete 2024 tax returns documentation that was submitted in full on multiple occasions. 



Specific Issues : Repeated Requests for Previously Submitted Documents We submitted the documentation requested by the lender multiple times. Each time we complied, the lender requested the exact same information again. This repeated documentation burden has been unnecessary and excessive. 

Extended Delays and Lack of Communication Our loan application has been delayed for over XXXX months with limited updates. We have had to proactively contact the lender repeatedly to receive any status information. 

Unnecessary Source-of-Funds Inquiries Even after providing clear evidence of the source of funds used to purchase the property ( savings ), we were repeatedly asked how we acquired the cash. This question has persisted despite evidence showing long-term savings history and income verification. 

Perceived Discriminatory Treatment The nature and persistence of repeated documentation requests, combined with extended processing delays despite full cooperation, have led us to believe that we are being treated unfairly. The repeated demands for the source of funds even after substantiation feel discriminatory in nature compared to typical underwriting practices, particularly given that our requested loan amount falls well within favorable loan-to-value parameters. 



Impact : This experience has caused undue stress, has delayed our financial planning, and has imposed an excessive administrative burden. We believe these practices are inconsistent with fair lending standards and may constitute discrimination or unfair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation