vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Summary : Santander Bank has continued to restrict access to my checking account and funds well beyond the release date provided in their official written notice. The bank has failed to provide any updated notice or lawful explanation for the continued freeze. 

Details : I maintain a personal checking account with Santander Bank. In XX/XX/year>, a check from my mortgage company was flagged as suspicious, and Santander placed a temporary hold on the funds. I received a written notice from the bank confirming that the funds would be available on XX/XX/year>, after XXXXXXXX XXXX 

As of XX/XX/year>, my checking account remains completely locked, and I still have no access to my money. I contacted Santanders customer service several times, including speaking with a representatives, who assured me that my account would be accessible by XX/XX/year>. Despite this assurance, my account is still restricted with no access to funds or updated communication from the bank.

Santander has not issued any new notice or provided a valid regulatory reason for continuing to withhold access to my account after the promised release date. This appears to be in violation of Regulation CC ( 12 CFR 229.13 ), which requires timely notice and reasonable hold periods on deposited funds. The banks actions have caused significant financial hardship and prevented me from meeting essential living expenses.

Supporting documentation : I can provide a copy of the written notice from Santander stating that my funds would be available on XX/XX/year>, as well as call records showing my communication with the banks representatives. 

Bank : Santander Bank, N.A. 
Account type : Personal 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 2025-11-01 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: FL

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I want to dispute several unauthorized and fraudulent credit inquiries that have recently appeared on my credit reports. These inquiries were made without my consent and are directly related to suspected identity theft. Because of this fraudulent activity, my Social Security number has been frozen to prevent further harm its has told me there is an identity theft on my social number. 
Please investigate and remove the following false inquiries from my credit report immediately : Equifax : XXXX ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian : I did not authorize any of these inquiries, and I request that they be I am writing to dispute several unauthorized and fraudulent credit inquiries that have recently appeared on my credit reports. These inquiries were made without my consent and are directly related to suspected identity theft. Because of this fraudulent activity, my Social Security number has been frozen to prevent further harm. 
Please investigate and remove the following false inquiries from my credit report immediately : Equifax : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize any of these inquiries, and I request that they be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Please send me writtenconfirmation once these inquiries have been removed. 
Thank you for your prompt attention and cooperation in resolving this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XXXX, XXXX  attorney XXXX XXXX XXXX engaged in financial manipulation and coercion under the guise of personal and professional assistance. He had access to my Wells Fargo accounts while funding legal expenses and household costs. After I ended the relationship in XXXX, he withdrew funds without consent, totaling several XXXX dollars, and used those withdrawals to control and intimidate me during ongoing legal proceedings in XXXX. He also interfered with payments to my attorneys, causing further financial harm and stress. 

I request that the Bureau review his unauthorized access, withdrawals, and misuse of personal banking data to determine whether his actions violated federal consumer-protection and anti-fraud laws. A fair resolution would include : Reimbursement of all unauthorized withdrawals and related bank fees ; Written acknowledgment and investigation by Wells Fargo regarding his access ; Referral for federal review of potential financial coercion and fraud under color of legal authorit

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I see that incorrect accounts are still appearing on my credit report and they have not been removed. I urgently ask that the documents I attached be reviewed carefully so I can finally stop worrying 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 non-monetary relief
Consumer complaint received 2025-11-01 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: KS

Complaint narrative:
The account was settled in full, but late payment notations remain.

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 2025-11-01 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-01 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-01 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: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all relevant consumer protection statutes due to severe inaccuracies and violations committed by credit bureaus and data furnishers. My consumer file contains false addresses and unauthorized inquiries that have harmed my creditworthiness, caused emotional distress, and violated my federal rights. I am demanding a complete reinvestigation, deletion of the inaccurate and unauthorized data, and written confirmation that the errors have been permanently removed. 

XXXX XXXX Date : XX/XX/year> Unauthorized and unverified inquiry. No permissible purpose or signed consent provided under 604 ( a ) ( 2 ). Continued reporting violates 611 ( a ) ( 1 ) ( A ).

Delete immediately for lack of proof.

Failure to comply is a willful FCRA violation.

Provide written confirmation of deletion. 

XXXX Inquiry Date : XX/XX/year> I never authorized this inquiry, and no evidence supports a permissible purpose under 604 ( a ) ( 3 ) ( A ). Reporting unverified data violates 607 ( B ).

Provide proof or remove it immediately.

Your lack of verification violates 611 ( a ). 
Delete within 15 days as required by law. 

XXXX XXXX XXXX Date : XX/XX/year> No authorization, no consent, no proof under 604 ( a ). The bureau failed to verify legitimacy under 611 ( a ) ( 1 ) ( A ).

This inquiry must be deleted now. 
Failure to verify shows negligence. 
Report deletion confirmation in writing. 

XXXX Inquiry Date : XX/XX/year> Unverified and unauthorized inquiry under 604 ( a ) ( 2 ). No documentation or signed application exists. Continued reporting violates 607 ( B ) and 611 ( a ). 
Delete immediately for noncompliance. 
Your reinvestigation was incomplete. 
This will be reported to the CFPB. 

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all relevant consumer protection statutes due to severe inaccuracies and violations committed by credit bureaus and data furnishers. My consumer file contains false addresses and unauthorized inquiries that have harmed my creditworthiness, caused emotional distress, and violated my federal rights. I am demanding a complete reinvestigation, deletion of the inaccurate and unauthorized data, and written confirmation that the errors have been permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-01 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: IN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute with Regions Bank in XX/XX/year> for an unauthorized or incorrect charge from XXXX XXXX. I followed up in late XXXX and was informed that the dispute had been entered incorrectly by a Regions employee. Because of this internal error, my refund was not processed, and I was told it must be resubmitted delaying my refund until XXXX. I received no communication from Regions about this mistake until I personally visited the branch. This delay and lack of transparency are unacceptable. I am requesting immediate correction and refund of my disputed funds, and an explanation of how this error occurred.

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 2025-11-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Summary : Portfolio Recovery Associates ( PRA ) continues to engage in unlawful, harassing, and deceptive collection and reporting practices on a debt that was already satisfied by the original creditor, XXXX XXXX. 

Details : PRA has repeatedly called, emailed, and mailed unsolicited communications after I requested they cease contact. They contacted my employer and issued false threats of legal action and arrest. These actions violate 15 U.S.C. 1692b ( 2 ), 1692c ( b ), 1692d ( 3 ) - ( 5 ), 1692e ( 4 ) - ( 5 ), and 1692f ( 1 ). 

The alleged debt originated with XXXX XXXX, who was fully compensated when PRA purchased the account. Under 15 U.S.C. 1692e ( 2 ) ( A ) and 1692g ( b ), a debt buyer must validate ownership and the consumers obligation to pay. No valid contract or proof of transfer was ever provided, meaning the debt has been satisfied and is not legally collectible.

PRA also continues to furnish conflicting and inaccurate data ( false open date and past-due balance ) to XXXX  and XXXX  in violation of FCRA 623 ( a ) ( 1 ) ( A ). Their ongoing reporting of false data after notice of dispute constitutes willful noncompliance.

Attached evidence includes : Screenshots from XXXX  showing inconsistent reporting dates and invalid entries for the Portfolio Recovery Associates ( PRA ) account, proving ongoing FCRA 623 ( a ) ( 1 ) ( A ) violations.

Copies of CFPB responses and prior complaints demonstrating that PRA was previously notified of inaccuracies but continues to furnish false data.

Screenshots and emails showing repeated collection attempts, harassment, and threats after cease requests violations of FDCPA 1692b ( 2 ), 1692c ( b ), 1692d ( 3 ) - ( 5 ), and 1692e ( 4 ) - ( 5 ).

Documentation proving that XXXX XXXX, the original creditor, sold the debt to PRA, which satisfies the original obligation. PRA has provided no lawful proof of ownership or assignment, violating 15 U.S.C. 1692e ( 2 ) ( A ) and 1692g ( b ).

These attachments collectively show that PRA not only misrepresented the validity of the debt but also engaged in unlawful collection, data furnishing, and harassment practices despite prior CFPB involvement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
XXXX XXXX XXXX original creditoXXXX XXXX XXXX XXXX XXXX a collection agency this is not my account i have no knowledge of this account and it should be remove Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 
Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 
Due to this apparent oversight, I insist on the immediate removal or DELETION of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 
I appreciate your prompt attention to this crucial matter. 
Sincerely,

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite being paid off, the account still lists late payments inaccurately.

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