vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My phone and wallet were stolen. Fraudsters accessed bank accounts, credit cards, applied for loans, and withdrew money from ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
RE : Complaint Against Santander Consumer USA Predatory Lending, Illegal Credit Reporting To Whom It May Concern : I am submitting this complaint regarding Santander Consumer USA for predatory lending practices, violations of the Fair Credit Reporting Act ( FCRA ), and violations of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Santander has continued to report inaccurate information on my credit report and has failed to provide proper documentation of the alleged debt. 



XXXX. FCRA Violations Inaccurate and Unverified Reporting Santander is reporting an account that is not mine / inaccurately reported, despite my formal disputes.

Santander is in violation of : FCRA 602 ( A ), 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to ensure accuracy.

FCRA 611, 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation after I submitted disputes.

FCRA 623 ( a ) ( 3 ) furnishers duty to not report information they know or should know is inaccurate.

FCRA 623 ( b ) duty to investigate and correct disputed information. 

I filed an identity theft report, and despite this, Santander has continued to report the account without supplying any documentation, which is required under FCRA 609 ( e ). 


XXXX. Illegal Re-Aging or Updating of a Closed/Charged-Off Account If Santander has changed dates or updated the account in a misleading way, this may be illegal re-aging, which is a violation of : FCRA 605 ( c ) the Date of First Delinquency can not be changed or manipulated FCRA 623 ( a ) ( 5 ) accurate reporting of DOFD is mandatory FCRA 607 ( b ) furnishers must follow reasonable compliance procedures Any attempt to extend the reporting period on a negative account is prohibited by law. 



XXXX. Predatory Lending Practices Referencing XXXX  Multistate Settlement In XXXX XXXX XXXX  states and the District of Columbia reached a {$550.00} XXXX settlement with Santander Consumer USA for predatory auto lending practices and placing borrowers into loans they knew were likely to default. 

This demonstrates a documented pattern of : Unfair and deceptive lending High-risk and unaffordable loans Failure to adequately verify income Abusive dealer practices My situation reflects similar concerns and indicates a possible violation of state consumer protection laws, including : Unfair or Deceptive Acts or Practices ( UDAP ) statutes State Attorney General consumer fraud laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
In XX/XX/year>, XXXX unauthorized Cash App transactions totaling {$4000.00} were completed using my linked XXXX XXXX debit card while my phone was not in my possession. My phone was being repaired, and someone else had access to the device. I did not authorize these transfers in any way. 

I filed a dispute with Cash App. Cash App denied the dispute without providing any documentation or evidence supporting their denial. Later, Cash App stated that the funds were subsequently sent back to the original funding source. However, the original funding source ( my XXXX XXXX  account ) has confirmed that no reversal or refund was ever received. 

I requested that Cash App provide proof of the reversal, such as screenshots, transaction IDs, or processor confirmation. Cash App refused to provide this information and did not give any clear explanation of their investigation or decision. 

The transactions also appear in my Cash App activity as Declined or Failed, which supports that the transfer did not complete successfully and that no goods or services were received. 

Cash Apps handling of my dispute is inconsistent with federal consumer-protection requirements and aligns with previously documented issues in regulatory actions involving Cash App. I am requesting CFPB assistance to ensure Cash App properly investigates these unauthorized transactions, provides the reversal documentation they claim exists, and cooperates with my bank to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
A auto loan was opened in my name XXXX  times with this company I identify was stolen in XXXX  by a family member and she have open so many accounts in my name and destroyed my credit

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 2025-11-19 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: FL

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively impacting my life and my credit score. These inaccuracies are preventing me from achieving financial stability and freedom, and the ongoing issues have caused me significant stress and difficulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my XXXX XXXX, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 


Charged Off Accounts : [ No entries provided ] Inquiries : XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Positive Accounts : [ No entries provided ] Late Payments : XXXX XXXXXXXX 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 2025-11-19 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:
I am writing to formally dispute inaccurate information reported on my Equifax credit report. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information being reported to the credit bureaus. I request a thorough investigation and the correction or deletion of the following accounts due to the identified inaccuracies and violations : Account Name : XXXX-XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : [ Date ] Balance : {$15000.00} Dispute Reason : Data Breach : Failure to report accurate account details. 
FCRA Violation : Inaccurate reporting of account status and balance. I am requesting validation of this account 's open status and payment history. 
Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$430.00} Dispute Reason : Data Breach : Unclear account information and unexplained balance. 
FCRA Violation : Incorrect collection account reporting. The balance should be reviewed for accuracy. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$330.00} Dispute Reason : Data Breach : Unreported payment history and disputed account status. 
FCRA Violation : Incorrect reporting of account status as Closed when it should have been updated or removed due to recent payments. 
Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$550.00} Dispute Reason : Data Breach : Account placed for collection without proper notification. 
FCRA Violation : Account should be removed or marked as disputed. The collection status is inaccurately reported. 
Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$2.00} Dispute Reason : FCRA Violation : Inaccurate late payment history and unresolved charge-off status. 
XXXX XXXX : Failure to update the account status after payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an error on my recent Capital One statement. I was charged interest fees XXXX, and this is absolutely unacceptable. I pay close attention to my accounts, and duplicate interest charges are ludicrous, inaccurate, and completely contrary to fair billing practices. 

I expect this matter to be investigated and corrected immediately. Please remove the duplicate interest charge and provide written confirmation that my account has been adjusted accordingly. 

I also request a review of my account to ensure no other improper or duplicate fees have been applied. 

I have been a responsible customer, and I expect Capital One to uphold the same level of accuracy and integrity. 

Please address this issue promptly. I look forward to your confirmation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I applied for a loan with XXXX. They asked for a {$500.00} deposit to process the loan but it wouldn't be charged until the loan went through. I agreed. They ended up charging me and saying it was non -refundable after I decided to go with another lender that had better rates. Never was I told it was non refundable. 
I contacted them about it and they said they would escalate it but the final decision was not in my favor. 
I dealt with XXXX XXXX and XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I have been disputing since XXXX of XXXX  they have ignored all certified letters of dispute they did not do an investigation and lied about things that I did wrong

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 2025-11-19 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: NY

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for me and the receiver because text me saying XXXX XXXX allow him access the funds I send him for {$580.00} XX/XX/year> at XXXX pm XXXX because they told me they contact XXXX support about the issue but they dont understand him or dont understand what he is saying or dont understand what they are doing and they claiming the payment is fraudulent or fraud when its is not and it is valid and authorized I am the person to send him the money so please allow him to get access to the funds XXXX  y'all get this complaint and investigated it and remove the hold on his payment or limit because he very need access to the funds and very badly need the payment and very badly need the funds so please contact him by email too saying yall are working on the complaint too and investigated it and will provide him with a update too and me a update too by email and cfbp and this complaint need to be investigated and resolved and allow access to the funds and payment asp yall get this complaint and investigate it and we need a decision emergency urgent and urgent XXXX  by deadline XXXX etc. 


Receiver information is Email XXXX Account name XXXX XXXX My account email is XXXX Payment id number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
This complaint is regarding an account I originally had with XXXX XXXX XXXX XXXX that was later sold. My credit report shows the original XXXX XXXX account was closed on XX/XX/XXXX with a {$0.00} reported balance. However, XXXX XXXX confirmed to me that the account had been sold to a third-party, but they did not provide the date of sale, the name of the debt buyer, or documentation showing the balance at the time it was sold. 
Recently, a new collection account appeared on my credit report from XXXX XXXX XXXX. It shows : Opened : XX/XX/XXXX Reported balance : {$15000.00} Status : Placed for collection Original creditor ( as listed ) : XXXX XXXX  Last reported : XX/XX/XXXX I was never notified that XXXX XXXX XXXX purchased or now owns this debt. I have not received a validation notice, which the debt collector is required to send within 5 days of first contact. Because of this, I can not verify whether XXXX XXXX is the legitimate owner of this debt or how the reported balance increased to {$15000.00}, especially since the XXXX XXXX account was reported as {$0.00} when closed. 
I am filing this complaint because I need : The date XXXX XXXX sold or transferred the account The name of the actual debt buyer XXXX XXXX sold it to The balance at the time of sale Documentation from XXXX XXXX proving ownership and explaining the amount they are reporting A proper debt validation notice from XXXX XXXX I have attempted to resolve this directly, but the information from both XXXX XXXX and the collection agency has been incomplete, unclear, or missing required notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
This complaint is regarding an account I originally had with XXXX XXXX XXXX XXXX that was later sold. My credit report shows the original XXXX XXXX account was closed on XX/XX/XXXX with a {$0.00} reported balance. However, XXXX XXXX confirmed to me that the account had been sold to a third-party, but they did not provide the date of sale, the name of the debt buyer, or documentation showing the balance at the time it was sold. 
Recently, a new collection account appeared on my credit report from XXXX XXXX XXXX. It shows : Opened : XX/XX/XXXX Reported balance : {$15000.00} Status : Placed for collection Original creditor ( as listed ) : XXXX XXXX  Last reported : XX/XX/XXXX I was never notified that XXXX XXXX XXXX purchased or now owns this debt. I have not received a validation notice, which the debt collector is required to send within 5 days of first contact. Because of this, I can not verify whether XXXX XXXX is the legitimate owner of this debt or how the reported balance increased to {$15000.00}, especially since the XXXX XXXX account was reported as {$0.00} when closed. 
I am filing this complaint because I need : The date XXXX XXXX sold or transferred the account The name of the actual debt buyer XXXX XXXX sold it to The balance at the time of sale Documentation from XXXX XXXX proving ownership and explaining the amount they are reporting A proper debt validation notice from XXXX XXXX I have attempted to resolve this directly, but the information from both XXXX XXXX and the collection agency has been incomplete, unclear, or missing required notices.

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 2025-11-19 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:
I am writing to formally dispute certain accounts, inquiries, and late payments appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my XXXX XXXX, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed items for each bureau. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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