vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts 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 XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/year> I contacted a XX/XX/XXXX company to do some work like writing grants, help with website development and marketing.with in a month I notice work was not being done missing deadlines for grants, the website was stolen from the company and they had a attorney that was a fraud using someone else bar number and name. I reversed the charge on my account chase account of XXXX chase bank refused back most of the money but would not return the amount of XXXX XXXX XXXX dollars .chase bank has closed my account and said I owe them the money. This was clearly fraud I have submitted the documents showing fraud and a scam but Chase bank tried to blame it on visa for the over turn of the depute.today Im still dealing with the fraud from the company my new attorney told me that XX/XX/XXXX is trying to steal our trademark, our product and property this has to stop and Chase bank needs to reverse their decision

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX Re : Consumer Compliant- Spring Oaks Finance, LLC/ Refusal to Release the Lien & Title After Issuance of 1099-C in XX/XX/XXXX. 

Dear Consumer Protection Division, My name is XXXX XXXX, and I am submitting this complaint regarding Spring Oaks Finance LLC, a Virginia -based lender that has engaged in what I believe to be unfair and unlawful business practices. 
In XXXX, I obtained a loan from XXXX XXXX XXXX for the purchase of an XXXX XXXX. The loan was later transferred to Spring Oak Finance LLC in XXXX DURING covi9 period. In XX/XX/XXXX, Spring Oaks Finance LLC issued me an IRS Form 1099-C ( Cancellation of Debt ) dated XX/XX/XXXX, in the amount of {$4700.00}. I properly reported this cancelled debt as income on my XXXX federal tax return ( Form 1040 ) per creditor request under the IRS Rule of " debt cancellation ''.

Based on IRS rules, once a creditor issues a form 1099-C for cancelled debt, they can not both treat the loan as cancelled and continue to enforce collection or retain collateral securing the debt. Despite this, Spring Oaks Finance has refused to release the lien and title for the vehicle that XXXX has declared as XXXX. 

When I contacted Spring Oaks Finance in XXXX of XXXX, their representatives, including employees named XXXX and XXXX confirmed that the company could not collect on the debt. However, they still refused to release the lien or title, instead demanding that I enter a new monetary arrangement to obtain the lien release and the title effectively trying to collect again on a debt they already cancelled and reported to the IRS that i paid a tax against the amount alleged cancelled in the amount of {$4700.00} as an income on my 1040 IRS Form.

Additionally, I was informed that the company attempted to involve my insurance carrier in settling this already-cancelled debt. This has caused further confusion and hardship, as I can not dispose of the vehicle ( currently declared salvage ) without a lien release and title.

I believe this conduct violates IRS rules and constitutes an unfair and deceptive business practice under North Carolina law, as Spring Oaks Finance has : 1. Issued a 1099-C reporting debt cancellation, which I reported as taxable income in my XXXX 1040 IRS form .

2. Refused to release the lien and title despite acknowledging that they can not collect the debt.

3. I attempted to pressure me into making a monetary settlement in exchange for the releasing of the lien and title. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I am writing to formally file a complaint and dispute regarding an inaccurate charge-off entry listed on my credit report. I have attempted to resolve this matter directly with the furnisher and the credit reporting agencies, but the issue remains unresolved. the account is reporting inaccurately without my knowledge. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information on my credit report. I am requesting that the CFPB investigate this matter and ensure that the information being reported is fully compliant with FCRA guidelines.

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 2025-10-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only on stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 168li of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Falling that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : XXXXXXXX XXXX XXXX  & Account NumberXXXX This account is listed as a charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only on stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 168li of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Falling that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name : XXXXXXXX XXXX XXXX  & Account XXXX This account is listed as a charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

Sincerely, 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 2025-10-03 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding my account with Openbank.us ( managed by Santander ). I opened two accounts with Openbank on XX/XX/year> while residing in the United States as this bank offered the highest interest rate ( 4.2 % ), was FDIC insured, and was rated highly from trusted financial sites. During the account opening process, I transferred {$33000.00} from my XXXX checking account. Since then, my account has been blocked, and I have been unable to access my deposited funds for thirty days.

Despite contacting the Openbank support team via telephone more than ten ( 10 ) times, I have not been provided any information on why my account was blocked, and what specifically needs to by done to unblock the account. I am told by customer service that this issue is handled by the " back office '' and that they don't have any addition information. Each time I call, customer service asks the same questions : " what is your address '' and " have you traveled frequently. '' I give them the same answer each time with no change in the account status. 

I have also been told that I can not close my account or transfer my funds while my account is in " blocked '' status. Given that there has been no meaning change in what customer service needs from me to address this issue, I feel as though I am stuck in a perpetual loop and my funds are perpetually frozen. This situation is causing financial hardship and is unacceptable. 

I request an immediate review of my case and full reinstatement of access to my account. Please consider this a formal complaint in accordance with your regulatory obligations.

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 2025-10-03 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is 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 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is a formal dispute of inaccurate, incomplete, and/or misleading information on my TransUnion file. You must conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), maintain maximum possible accuracy under FCRA 607 ( b ), and delete any information that is inaccurate or can not be verified under 1681i ( a ) ( 5 ) ( A ). Under Cushman v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), you may not rely on mere furnisher codes ; you must independently verify with competent evidence.

Below are bureau-specific defects with factual quotes and the precise Metro 2 fields breached, plus short legal explanations :

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 2025-10-03 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief