vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: WI

Complaint narrative:
I just want to Follow up this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that are negatively affecting my credit profile and financial standing. My reported addresses are inconsistent and inaccurate across the three bureaus, including XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX in Equifax, and XXXX Wisconsin, XXXX, WI XXXX and XXXX XXXX XXXX, WI XXXX XXXX TransUnion, none of which fully reflect my verified residency history. Additionally, my XXXX account XXXX, with a balance of {$8900.00} and last activity on XX/XX/XXXX, is reported only in Equifax and omitted from Experian and TransUnion, resulting in incomplete and misleading reporting. Several hard inquiries are also incorrectly listed or outdated, including XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) in Experian, and XXXX XXXX ( XX/XX/XXXX ) in TransUnion, some of which I did not authorize or which exceed permissible reporting time limits. These discrepancies collectively violate the Fair Credit Reporting Act 605 ( a ), 605B, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 623 ( b ), as the information is inaccurate, obsolete, and has not been properly verified or updated, causing harm to my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I am following up regarding multiple ongoing errors and potential violations on my credit reports from Experian, Equifax, and TransUnion, which continue to cause significant harm to my credit profile. My XXXX XXXX  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as a {$28000.00} charge-off with an inaccurate or unverifiable Date of First Delinquency, in violation of FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, XXXX XXXX reports a {$1000.00} XXXX XXXX XXXX collection without providing proper debt validation as required under FDCPA 807, 808, and 15 U.S.C. 1692g. My credit reports also include multiple unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, none of which I authorized, in violation of FCRA 604 ( a ), 605 ( a ), and 611. Despite my prior disputes and submissions of supporting documentation, these inaccuracies, outdated information, and unauthorized inquiries remain unresolved, negatively impacting my creditworthiness, causing financial stress, and limiting my access to fair lending opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
I had an issue with an online casino called XXXX casino, I filed a complaint and was told to dispute the charges if I felt it was fraudulent. I did that and the bank closed my account because of the disputes. Earlier I had an issue with a website called " XXXX '' and out of the XXXX disputes and all the proof they approved XXXX of the XXXX and denied the rest based on the same proof which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I am filing a complaint against Santander Bank, N.A. ( Openbank division ) regarding an improper restriction on my deposit account and refusal to allow me to withdraw my own funds. 

On XX/XX/year>, I deposited approximately {$19000.00} into my XXXX account. On XX/XX/year>, I requested a withdrawal of {$10000.00} from that account. 

On XX/XX/year>, my account was blocked, and the withdrawal request was cancelled. I was informed that this was due to a back office policy that requires my money to remain in the account for XXXX  days before I am permitted to withdraw it. 

I have reviewed the account disclosures and agreements provided to me, and nowhere do they reference a mandatory XXXX hold on funds before withdrawals are allowed. Despite this, Openbank has refused to release my money earlier and has not provided any written policy or contractual language to support this XXXX back office rule. 

This restriction has effectively frozen my account and prevented me from accessing my own funds, causing financial stress and limiting my ability to meet obligations. The decision was made unilaterally and after my deposit, without prior notice of such a hold period. 

I have searched online and found many negative reviews and complaints from other Openbank customers describing very similar issuesaccounts being blocked or frozen and customers being unable to withdraw their funds due to unexplained or undisclosed internal policies. This suggests that my experience may not be an isolated incident but part of a broader pattern.

I believe Openbank/Santander Bank , N.A. is imposing undisclosed or inadequately disclosed funds-availability and withdrawal restrictions, effectively depriving customers of timely access to their deposits. I am concerned that this practice is unfair and potentially deceptive, and that it may violate consumer protection and banking regulations.

I respectfully request a review of Openbanks practices regarding funds holds and withdrawal restrictions, including whether these practices are clearly disclosed, lawful, and consistently applied. 

I also request that a withdrawal of the full amount can be made tomorrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Destiny Mastercard - opened XXXX XXXX, XXXX  Milestone Creditcard - opened XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
. Issues Identified Across Reports Incorrect Personal Information Different names reported across bureaus. 

Employment information inconsistent ( XXXX XXXX XXXX XXXXXXXX XXXX vs. XXXX ). 

Multiple incorrect addresses reported Only one valid address exists Account Inconsistencies XXXX XXXXXXXX XXXX Reported differently across all three bureaus ( account numbers, payment history, remarks, balances ). 

Inconsistent reporting violates FCRAs accuracy requirement. 

Must be corrected or deleted. 

XXXX ) : Account details ( payment dates, balances, account numbers ) differ across bureaus. 

Inconsistent reporting makes the account unverifiable. 

XXXXXXXX XXXX XXXXXXXX XXXX Account : Account does not belong to me. 

Contains little to no identifying information. 

Reported as verified without explanation of verification method. 

Must be deleted as unverifiable. 

Other Accounts with Inconsistencies XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : account numbers, balances, and payment histories differ across bureaus. 

These discrepancies show inaccurate reporting. 

3. Violations of Law Under the Fair Credit Reporting Act ( FCRA ) : Bureaus must conduct a reasonable investigation of disputed information. 

If an account can not be verified, it must be deleted. 

Reporting inaccurate, inconsistent, or unverifiable information is a violation of federal law. 


5. Supporting Documentation Copy of government-issued ID ( drivers license ). 

Copy of Social Security card. 

Copy of utility bill showing correct address. 

Copy of credit report highlighting disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: NC

Complaint narrative:
. Issues Identified Across Reports Incorrect Personal Information Different names reported across bureaus. 

Employment information inconsistent ( XXXX XXXX XXXX XXXXXXXX XXXX vs. XXXX ). 

Multiple incorrect addresses reported Only one valid address exists Account Inconsistencies XXXX XXXXXXXX XXXX Reported differently across all three bureaus ( account numbers, payment history, remarks, balances ). 

Inconsistent reporting violates FCRAs accuracy requirement. 

Must be corrected or deleted. 

XXXX ) : Account details ( payment dates, balances, account numbers ) differ across bureaus. 

Inconsistent reporting makes the account unverifiable. 

XXXXXXXX XXXX XXXXXXXX XXXX Account : Account does not belong to me. 

Contains little to no identifying information. 

Reported as verified without explanation of verification method. 

Must be deleted as unverifiable. 

Other Accounts with Inconsistencies XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : account numbers, balances, and payment histories differ across bureaus. 

These discrepancies show inaccurate reporting. 

3. Violations of Law Under the Fair Credit Reporting Act ( FCRA ) : Bureaus must conduct a reasonable investigation of disputed information. 

If an account can not be verified, it must be deleted. 

Reporting inaccurate, inconsistent, or unverifiable information is a violation of federal law. 


5. Supporting Documentation Copy of government-issued ID ( drivers license ). 

Copy of Social Security card. 

Copy of utility bill showing correct address. 

Copy of credit report highlighting disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/year>, my employer confirmed that my direct deposit for {$1900.00} was released on time through their payroll system. I contacted payroll and verified that the funds were successfully transmitted to PNC using the correct routing and account information. 

Despite this, PNC Bank has repeatedly stated that they can not see any pending or incoming deposit on their end, even though the deposit should have already posted based on my regular pay schedule. I checked my account throughout the day and the following business day, and no deposit has appeared. 

I also learned that multiple other PNC customers reported experiencing the same issue with delayed or missing direct deposits during this same time period, which suggests this may be a broader processing or system problem on PNCs side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I applied for a mortgage loan assumption through JPMorgan Chase. The process has taken nearly a year with repeated document requests, long periods of inactivity, and no clear communication from the assumption team. Throughout this time, I provided every document Chase requested, sometimes multiple times. 

Most recently, I was informed that my assumption application was declined, but Chase did not provide a specific underwriting reason or any written adverse action notice as required under Regulation B ( ECOA ). Representatives repeatedly told me they could not access the reason or were not part of the assumption team, and I was transferred between departments without receiving any explanation. A case was eventually opened for escalation, but once again I was told to wait several more days, despite the process already taking close to a year. 

This has been especially difficult for my family. The home we are attempting to assume belonged to my wifes parents. Their passing was a traumatic event for her, and the home carries significant emotional importance. The prolonged delays, lack of communication, and now an unexplained denial have caused additional stress for our family. 

It is also important to note that the home is worth XXXX times the current loan balance, making this an extremely low-risk assumption from any underwriting perspective. Our loan-to-value position is exceptionally strong, which makes the sudden denial even more confusing. We have been fully cooperative throughout the process and remain willing to meet any additional requirements Chase may need in order to qualify. However, we have not been given clear information on what is actually needed or why we were denied.

I believe this application may have been mishandled, and I am requesting CFPB review to ensure that Chase followed proper procedures and complied with federal lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
Bought the car wanting a reliable vehicle but was upcharged sale. Over priced vehicle wasnt presented with the overall price. 
Bought XX/XX/2024 Total sale price : {$37000.00} Payed {$5000.00} in down payment and trade in, and been paying monthly for a year. Paid over XXXX for vehicle but the vehicle doesnt value that cost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX, XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX CFPB Complaint : I am a merchant using XXXX. I won a chargeback dispute after proving the customer received the product and attempted fraud. 


The cardholder then filed a pre-arbitration dispute, and XXXX never notified me, depriving me of my right to respond. 


XXXX accepted the pre-arbitration on my behalf without my consent and without giving me the required opportunity to rebut the claim. 


This violates card network rules and constitutes improper dispute handling. When I contacted support, they could not provide any proof of notification. 


Because of this error, the scammer received a refund AND kept the product. 


I am requesting : A dispute handling audit Proof of merchant notification That the pre-arbitration be reopened or escalated properly Return of the funds removed in error XXXX negligence caused financial loss and enabled fraudulent activity. 

This notice serves as my official declaration of intent to pursue XXXX XXXX due to improper handling of a pre-arbitration dispute on my merchant account. 


Customer used XXXX to make purchase : Arbitration Intent Basis : I won the original dispute. 

A pre-arbitration was filed by the cardholder. 
XXXX failed to notify me and therefore denied me my required opportunity to respond under XXXX Dispute Resolution Rules. 

XXXX accepted the pre-arbitration without my authorization, transferring liability to me in violation of required dispute procedure. 


This constitutes acquirer/processor mishandling, which is explicitly recognized by XXXX as grounds for dispute reopening and financial reversal. 

XXXX Rules Support Arbitration When : The merchant was not notified of the pre-arbitration. 

The acquirer accepted liability without merchant participation. 

The dispute process was not followed according to XXXX XXXX. 


All of the above apply to my case. 

My Demand : I am requiring that XXXX : 1. Reopen or escalate this dispute pursuant to XXXX Dispute Resolution rules. 


2. Provide all internal logs showing : When the pre-arbitration was received When and how I was allegedly notified Who accepted the pre-arbitration 3. Reverse the funds removed from my account due to improper handling. 



If XXXX can not provide proof of timely merchant notification, I will proceed with formal arbitration through XXXX, citing acquirer mishandling. 

Additional Actions : This notice is being submitted alongside my formal complaints to : CFPB XXXX State Attorney General Unless this matter is corrected immediately, I will request that XXXX evaluate the case based on procedural violations, which places liability on the acquirer, not the merchant. 

Please escalate this to the Risk & Compliance Team or Executive Disputes Team without delay. 

Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
I have XXXX companies involved XXXX ( XXXX XXXX XXXX  ) and Hire Right both violated the FCRA I applied for a position with RELX, which uses HireRight for employment background checks. On XX/XX/XXXX, HireRight sent XXXX a background report marked Completed with Discrepancy for my education. This discrepancy was not caused by anything I provided ; it was later explained to me by HireRight as a processing delay on their end. 

On XX/XX/XXXX, XXXX issued a pre-adverse action notice stating that the offer was in jeopardy due to a background discrepancy. Under the FCRA, I should have been given XXXX business days to review and dispute the information. However, XXXX issued an adverse action notice and rescinded my job offer the next day on XX/XX/XXXX, before I had any opportunity to dispute or correct anything. 

I asked both HireRight and XXXX for clarification about what triggered the discrepancy and whether XXXX reviewed the actual report before taking action. I did not receive clear or consistent answers. XXXX issued adverse action notices as if the decision was based on the background report, but later stated the decision was not based on the report, which is contradictory. XXXX also did not verify the cause of the discrepancy before taking adverse action. 

HireRight later confirmed that the discrepancy resulted from their own delay and not from inaccurate information on my part. The corrected information was not provided before XXXX rescinded the offer, and the adverse action was taken while the report was still inaccurate. I was not given my 5 days to respond Because of these errors and XXXX failure to follow the FCRAs pre-adverse action timeline, I lost a job opportunity and was not given a fair chance to review or dispute the report.

Company response to consumer: Closed with explanation