vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I recently opened an account with Santanders online niche bank, Openbank, mainly attracted by its high-yield savings account. The bank claims to provide up to {$250000.00} FDIC insurance. However, I noticed several concerning issues regarding the transparency and functionality of their app. 

After depositing a total of {$50000.00}, the funds did not immediately appear in the app. When I contacted customer support, I received conflicting information : Customer Representative A said there were no withdrawal limits. 

Customer Representative B said that as a new customer, I am limited to withdrawing {$10000.00} per day, which means it would take at least five days to transfer my full balance.

Additionally, the deposit process itself is very slow : three business days for the transfer to complete and another four business days for the funds to appear in the app. None of these limitations or delays were clearly disclosed on the app or website.

This lack of transparency feels misleading and raises concerns that the bank may be intentionally holding customers funds for extended periods, limiting flexibility and access. I hope your institution can investigate this matter to ensure that customers are not being misled or unfairly restricted.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: IN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
15 USC 1681B permissible purpose request original contract that I signed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
I purchased the vehicle on XX/XX/XXXX. From the XXXX month that I had it. The vehicle constantly had mechanical issues, going on with it. Some of which I had to pay out of pocket for, just to have a running vehicle. I did have a service contract with Car-Mart also . They wanted to keep the vehicle weeks at a time, with no status updates for repairs. The car was constantly having to be put in the shop. The last repair that I encountered was a major mechanical issue. I had another diagnostic scan done on the vehicle. I received a code from the repair shop, and they told me to contact XXXX. That they were not familiar with the service code. The XXXX dealership then told me, that my computer system on the car was malfunctioning. I could barely drive the vehicle far, before it would completely power its self off. The XXXX Dealership told me that it would cost $ XXXX of dollars to repair. They specifically said, if I were you I would get rid of it. The vehicle is a lemon. I then contacted Car mart in early XX/XX/XXXX. I let them know that, I no longer wanted the vehicle. I asked them to come pick the vehicle up asap. I was informed by Car-Mart , that they did not currently have a tow truck. I was told they were definitely sending someone from their lot to get the vehicle. If I had not returned the vehicle myself on XX/XX/XXXX. I would probably still have the Vehicle. Car Mart left notices on my door at my house, before and after I returned the vehicle. They knew I wanted it picked up, but stuck a note on my door to call them and get my account current. My account would not have been past due, if they would have just picked up the car like we agreed on. Then I receive a ( Notice of Our Plan To Sell Property ) It was mailed out on XX/XX/XXXX. It states that they will sell the vehicle at a private sale sometime after XX/XX/XXXX. I never received any other additional information about the sale. The date that it was actually sold, or how much was received to count towards my account. I reached out, and was not given any additional information about the sale. The people who have the information are never in the office. I should have received a notice of when it was sold, and for how much. Its crazy how they can continue to report derogatory marks on my credit report. However, they can not update records in the system. I have documents to support this information. Car-Mart XXXX XXXX- I had a horrible experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL
State: NJ

Complaint narrative:
XX/XX/year> VALIDATION AND CEASE AND DESIST Dear : Andrew Palma Lavin & Solis I received a debt collection communication from you where you advise that you are debt collectors and anything I say will be used to collect the debt. I am told that is called a mini-Miranda warning that is required to be on a debt collection letter. I am seeking validation on this debt you claim I owe {$1000.00}. Do you have the right person? I need you to validate the debt and prove I owe the debt to you. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR OR YOU AND PROOF MY SPECIFIC DEBT WAS ASSIGNED TO YOUR CURRENT CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit, I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have permissible purpose to contact my credit. I dispute this. debt to you and you should not be reporting this disputed account to one or more credit reporting agencies, including XXXX XXXXXXXX XXXX XXXX. As this debt is formally disputed, your continued reporting of this unverified information is a serious issue under the Fair Credit Reporting Act ( FCRA ). 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute that I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Therefore, I demand that you immediately notify XXXX XXXX XXXX XXXX  that this account is formally disputed. I further demand that you cease all collection activities, including any further credit reporting, until you have provided me with the complete and satisfactory validation demanded above. 
Please be advised that I am documenting all communications. If you fail to validate this debt as required by law yet continue collection efforts or adverse credit reporting, I will not hesitate to seek all available legal remedies under the FDCPA and FCRA. 
Thank you for your immediate cooperation. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$500.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$38000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Referred friend ( new Capital One member ) Friend was promised {$200.00} sign up bonus and 0 % introductry 0 % APR I have the email to prove this offer and she did not receive any promotional offers that were shown when signing up. 

Called and emailed the company multiple times and no explanation, they would pretend that the phone connection was bad and would hang up. 



This is a classic bait & switch offer to get people to sign up up for their card, absolutely false advertising their fake promotional offers. Have been Capital One member for over 12 years and will not bank or refer anyone else ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Moxley & Associates, LLC
State: AL

Complaint narrative:
XX/XX/XXXX - Moxley and Associates, the Plaintiff files a lawsuit against the defendant in small claims court for unpaid medical debt for {$820.00} plus {$280.00} in attorney fees and interest. 
XX/XX/XXXX - I, the Defendant affirm the debt is owed and submit a repayment plan through the Online Dispute Resolution portal to settle the debt. 
XX/XX/XXXX - The Court issues a judgment for the Plaintiff in the amount of {$820.00} and removes the attorney fees and interest. 
XX/XX/XXXX - I, the Defendant write a letter to the Plaintiff seeking to adjust the original repayment plan to remove attorney fees and interest seeking to bring it in alignment with the total amount of the judgment. The letter included the first payment of the repayment plan of {$100.00}, which the Plaintiff cashed on XX/XX/XXXX. 
XX/XX/XXXX -Plaintiff responds to letter by asking the court to add back the attorney fees and interest claiming an inadvertent mistake by the court XX/XX/XXXX - I, the Defendant was improperly served with notice of the adjustment with the wrong name and address on the certificate of service XX/XX/XXXX - Court enters default judgement on behalf of the Plaintiff to add back the attorney fees, interest and court fees. 
XX/XX/XXXX - I, the Defendant find out late from being improperly served. Despite that, I submit a second letter offering to go back to the original repayment plan submitted through the XXXX before the original court error confused the me about the total amount owed. The second letter also included an adjusted repayment plan reflecting the increased amount with the first payment of {$100.00}, which the Plaintiff cashed on XX/XX/XXXX. 
XX/XX/XXXX - Plaintiff files a garnishment order based on the amended default judgement order on XX/XX/XXXX. The garnishment order is for the wrong amount. It only reflects credit for the {$100.00} check that was cashed on XX/XX/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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I have a Prosper Credit Card. When I signed up for the card I was approved with a {$1500.00} limit. I opened the card in 2024. Several months into having the card, with no explanation, I get an email that my credit limit is being reduced to {$500.00}. While I was still paying down the balance and after my credit card limit was reduced, I began having an issue where when I would log into the app and website, it would say that I didn't have a credit card account at all and it would invite me to apply for a credit card or loan. The only way I was able to pay the balance was by phone after the website and app stopped recognizing my account. I reached out to the CEO and got an email from a customer service rep informing me that I still have a credit card with them. I don't have this problem with any other credit card I have. I don't know what their issue is.

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 2025-11-12 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: FL

Complaint narrative:
I am reporting multiple unauthorized hard inquiries on my Experian credit report. I never applied for credit or gave permission for these companies to access my report. When I tried to dispute them through Experian, the system stated that inquiries can not be disputed online and gave no option for verification or removal. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), a credit bureau can only list inquiries that were made with the consumers consent. I am requesting that Experian provide written proof of my authorization for each inquiry and remove any that can not be verified.

I have attached screenshots of the inquiries in question and proof of my identity.

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