vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Subject : Hardship Complaint Regarding Santander XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my auto loan with Santander XXXX. I am experiencing severe financial hardship and I respectfully ask for your review and assistance. 

I recently lost my job and, as a result, I have become XXXX. At this time, I am living in my car, which is not only my only means of transportation but also the only shelter I have. This makes the vehicle essential to my survival. 

Despite my circumstances, Santander XXXX has shown no patience or flexibility with my late payments. Their constant pressure, along with threats that they will repossess my car, has caused me extreme XXXX XXXX during a time when I am already struggling with XXXX and XXXX. 

I am not refusing to pay my loan, but at this time I simply do not have the resources. If I lose my car, I will also lose the only place I can sleep and the only means I have to search for new employment and rebuild my life. 

I am asking for the CFPBs help in ensuring that Santander XXXX works with me in good faith whether through temporary payment relief, deferment, or any other hardship assistance program instead of continuing to add to my hardship with threats and pressure. 

Thank you for your time and for reviewing my case. 

Sincerely, XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I rented a vehicle from XXXX at the XXXX XXXX from XX/XX/year>2025 to XX/XX/year>2025 and there were multiple times where they charged my account for several XXXX dollars before I returned the car and the transactions would just disappear from my account days later, and when I dropped the vehicle off on the XXXX I was given my receipt showing your total charges paid {$1200.00} and your total due {$0.00} and then 3 days after returning the car they they put the full charge on my account even though my receipt shows it was already fully paid, putting my account in the negative, and when I filed a claim with Wells Fargo, my bank, they never contacted me even though they said they would to request more information and I received a letter in the mail saying they closed my case even though I attempted to send them my receipt through email.

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 2025-09-02 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 to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX CARD # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX -Balance {$5800.00} Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX -Balance {$8500.00} Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX -Balance {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: MI

Complaint narrative:
Selene disbursed my XXXX XXXX taxes just two days later.

Selene also adopted XXXX XXXX  flawed escrow math, including a negative escrow balance that should have been cleared in my XXXX loan modification. Instead of correcting this error, Selene projected inflated escrow shortages and used them to manufacture arrears.

The arrears Selene claims do not reflect borrower delinquency but a combination of : Rejected payments ( servicer-caused delinquency ), Inflated escrow shortages ( based on projections, not actual bills ), and Failure to audit XXXX  false math.

In short : Selene has created arrears out of thin air and is trying to collect them from me.

Would you like me to also write a separate, shorter version of this that you could use if the CFPBs form limits characters in the Whats the problem? box?

You said : mention that the negative escrow is a XXXX issue that should have been neutralized in the second mod XXXX  said : Got it lets make that crystal clear. Heres the tightened Whats the problem? section with that explicit point added : Whats the problem?

Selene Finance is reporting and attempting to collect false arrears that are the result of servicer error, not borrower default. Beginning in XX/XX/XXXX, Selene refused to accept my payments, then issued a reinstatement demand on XX/XX/XXXX for {$40000.00}. That figure was already invalid because Selene disbursed my XXXX XXXX taxes just two days later. 

Selene also adopted XXXX XXXX flawed escrow math including a negative escrow balance that was a XXXX error. That balance should have been neutralized in my second loan modification ( XX/XX/XXXX ), but Selene carried it forward without audit. Instead of correcting this, Selene projected inflated escrow shortages and used them to manufacture arrears.

The arrears Selene claims do not reflect borrower delinquency but a combination of : - Rejected payments ( servicer-caused delinquency ), - Inflated escrow shortages ( based on projections, not
actual bills ), and - XXXX  negative escrow error

, carried over by Selene without correction. - In short : Selene has created arrears out of thin air and is trying to collect them from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment reported on my account. This entry is false and unsupported by my documented payment history. The inaccuracy must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-02 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: IN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 ( XXXX ) 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 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 2025-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: NM

Complaint narrative:
My husband XXXX XXXX died XXXX XXXX, XXXX. Penfed sent me a statement telling me I had {$3500.00} and they would be sending me a check. They sent me a check but kept {$1600.00}. I called and they said that SS had requested the XXXX payment sent to XXXX back, but they could not send my XXXX payment back until they heard from SS. My reply was they had heard from SS when they requested the funds for XXXX. They said they had to keep XXXX payment until they heard from SS. I asked them how long they would keep that money because they had already heard from SS. I ask if it would be months or even years. I ask if it would be XXXX or XXXX years and they said until they heard from SS. I said so you will keep the money indefinitely. They said until they heard from SS. 
I went to my SS local office and they typed me a letter to send to Penfed. I faxed the letter on XX/XX/XXXX and sent the original letter via certified mail on XX/XX/XXXX. I called they said they had not received the fax, so I faxed it again on XX/XX/XXXX. They also said it would take a few weeks once they got the notice from SS. 
I called today on XX/XX/XXXX and they said they had not received anything. I said that is not possible. The tracking service said it was delivered on XXXX XXXX, @ XXXX XXXX. The lady said she would go check. She stated that she had just found the fax in the fax box and they would start working on it. 

I do not think they are working honestly with me. I also wonder how many more people they treat this way. I think they would just keep my money ( as they have so far ) if I did not work diligently trying to get it back. 

After, SS gets the money back, I have to go through a lengthy process of getting the money back from SS. Which is ridiculous because SS had already requested the money they needed from Penfed

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request that this discrepancy on my credit report be addressed promptly, and if the information can not be verified, I ask that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX -- Account number : 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am writing to formally complain about PNC Bank 's handling of unauthorized transactions on my debit card, which occurred between approximately XX/XX/XXXX and XX/XX/XXXX of this year. 

Upon noticing several suspicious transactions on my account, I immediately contacted PNC Bank to report the issue. During my call, the representative and I identified a total of 25 unauthorized transactions, and she informed me that there were still about 6 pending transactions that could not be disputed until they settled. I should also add I never received a single fraud alert for any of these transactions. I followed her instructions and monitored my account for the pending charges, eventually calling back once they had posted, only to receive two claim numbers for my disputes.

Approximately a week later, I reached out to PNC Bank for an update on my claims and was shocked to learn that my claim had been denied. The representative explained that this denial was due to the initial representative 's failure to dispute three transactions, despite the fact that we had reviewed all the transactions together during my original call. I had clearly informed the first representative that I do not use XXXX XXXX and that there should be no associated transactions on my account. 

The second representative claimed my claim was denied for a " pattern of use, '' referencing the three transactions that had not been disputed, alongside the multiple claims I had filed. I would like to emphasize that I acted in accordance with PNC Bank 's policies, as I was instructed to wait for pending transactions to post before disputing them. Therefore, having multiple claims arises directly from the bank 's own policies, not from any wrongdoing on my part.

Following this, the representative refiled my claim to include the missed transactions, yet I was again informed that it had been denied. I have since followed up twice with escalation managers regarding my case, receiving inconsistent information each time. On one occasion, I was told my claim had been refiled, only to discover that it had not been submitted days later when I followed up.

The lack of clear communication, the mishandling of my claims, and the overall ineffectiveness in resolving this issue have left me feeling frustrated and helpless. I trust that the CFPB will investigate this matter and work towards a resolution that addresses the concerns I have raised regarding PNC Bank 's practices and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. You are required by law to block the fraudulent information within four ( 4 ) business days of receiving this request. 

Fraudulent Accounts to Be Removed XXXX  XXXX BANK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : Not Listed XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX ( Student Loans ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Date Opened : XXXX XXXX, XXXX Balance : {$1000.00} Date Opened : XXXX XXXX, XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Balance : {$3600.00} Fraudulent Inquiries ( 7 Total ) XXXX  CARD Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX BANK XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Statement of Harm These accounts and inquiries have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. 

I have attached the following for your review and records : A list of the fraudulent hard inquiries in question. 

A copy of my consumer credit report maintained by TransUnion showing the fraudulent items. 

A copy of the FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the U.S. Federal Trade Commission that the accounts, collections, and inquiries in question are fraudulent. 

I do not recognize these accounts, collections, or inquiries as reported. They were not opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 
TransUnion is required to block all of the fraudulent accounts, collections, and inquiries listed above within four ( 4 ) business days of receipt of this complaint, pursuant to FCRA 605B.

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