vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I searched online for a CD savings account back in XXXX of XXXX. I entered my email in order to receive a quote from the bank. 
I received the quote and did not pursue anything further. 
Since that time I have received multiple emails stating I have an open account and to login to check my statement. 
I am unable to login. 
When I call I am unable to reach a person and the email addresses I have have a no reply setting.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have tried to send money on several occasions on XXXX  using different bank accounts and keep getting errors. I tried contacting customer support and went through an endless loop when I called, there was no option to get in touch with an agent. I tried reaching out through a XXXX  and was never put through to an agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I deposited XXXX XXXX on XX/XX/XXXX and kept that until XX/XX/XXXX in my savings account from my funds at other banks to get the {$250.00} bonus by XX/XX/XXXX from Citizens Bank. It has not been credited yet. The issue is pervasive as two of my family members besides me have not received the bonus yet. My father called them for XXXX minutes only to create a case number XXXX but no resolution for his bonus. My account number is XXXX. Offer from Citizens : To Earn Bonus : You must, XXXX ) have an existing or open a new personal Citizens checking account between XX/XX/XXXX and XX/XX/XXXX and, XXXX ) have an existing or open a new personal Citizens savings account between XX/XX/XXXX and XX/XX/XXXX and, XXXX ) have one single deposit of at least XXXX XXXX {$25000.00} or more in new money post into one personal Citizens savings account by XX/XX/XXXXXXXX  and, XXXX ) your savings balance as of the end of the day prior to the qualifying single deposit plus qualifying single deposit ( XXXX XXXXXXXX {$25000.00} ) must be maintained through XX/XX/XXXX. The qualifying deposit of XXXX XXXXXXXX {$24000.00} is eligible for a {$250.00} bonus, or qualifying deposit of {$25000.00} or more is eligible for a {$500.00} bonus. If the qualifying deposit at the end of the retention period drops into the lower tier, you will be eligible for the lower bonus.

Company response to consumer: Closed with 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not the owner of these accounts and demand their removal within 15 days under USC 1681g.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AR

Complaint narrative:
XXXX XX/XX/year>, my wife ( has XXXX ) ordered a product XXXX from XXXX because of an add popup on her XXXX. Cost {$310.00}, charged on card. Then next screen urges you to buy more, so she did, {$280.00} charged on card. Then next screen, the same thing, buy more. She immediately found their phone number and called to cancel the whole order. The service rep said that they could not cancel the order, but when the product arrives, just take the package to XXXX unopened and have it returned to them. That was done a week later. After not receiving the refunds, I opened a dispute with Discover on XXXX XX/XX/year>. 
XXXX XX/XX/year> XXXX refunded the {$310.00} charge but not the {$280.00}. From there it's been a roller coaster ride with phone calls to Discover and uploading emails from XXXX every two to three weeks. Then the email from XXXX stating that I was " absolutely entitled to a refund of {$280.00} ''. I then logged on to Discover to upload the email and saw that my dispute had been deleted so I could not upload any documents. I called and was told to fax them, so I did. Two weeks later I called to see if they had received them. They said no, so I faxed them again and two weeks later called again and they said they did not. Next, I mailed the documents. Two weeks called then three called and they received them. I was told yes they owed me the {$280.00} but I had to get XXXX to pay me the refund. I emailed XXXX and they responded that yes they refunded the {$280.00} on XXXX XX/XX/year> and I needed to contact Discover to have them find out where the funds went because they were not posted to my account. Discover says I am the one to tell XXXX they did not issue the refund. So now I'm now in the unending loop back and forth with nothing accomplished.

I will upload my documents. Please forgive me if some pages are duplicates. I am XXXX XXXX XXXX and can't cut and paste that good. Thanks for your help.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Experian and Equifax are reporting incorrect information from XXXX  XXXX

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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: CA

Complaint narrative:
Per USC 1681g, you have 15 days to eliminate these fraudulent accounts from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have tried to dispute these charges but were denied for some odd reasoning, and when I asked for further explanation I was told no basically and to expect a denial email.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Opened XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  Acct XXXX XXXX Credit limit {$400.00} Opened XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XX/XX/XXXX Dept of ED/XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX Acct # XXXX Balance {$4300.00} Opened XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged Filing XX/XX/XXXX XX/XX/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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Opened XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  Acct XXXX XXXX Credit limit {$400.00} Opened XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XX/XX/XXXX Dept of ED/XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX Acct # XXXX Balance {$4300.00} Opened XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged Filing XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received a call from Midland Credit Management. They wanted to set up a payment for an old debt dating to 2024. They also mentioned that there would be a lawyer involved. The initial total of the debt was {$700.00}. The payment plan was set for {$1100.00} with a minimum balance of {$22.00} per month. I asked why I wasn't contacted before the {$1100.00} balance was accumulated? Their response was that there was, I have yet to see a call or received anything in the mail. I had to give them my email which confirms that all resources were not taken. I ask why the balance was of {$700.00} is now {$1100.00}. He referred to fees from other companies have to close accounts etc. I explained that I was willing to pay the initial amount due which was {$700.00}. He said due to the severeness of the account he could not. I told him I shouldn't have to pay for fees that I didn't accumulate. He then says let him talk to his supervisor to see if they ok it. He puts me on hold ; he then states that they will ok {$800.00}. I told him I'm still paying more than the initial bill. He then " gets it down '' to {$770.00}. I told him I'm willing to pay the {$700.00}, he said he couldn't and if I couldn't pay then I would have to deal with the issue however I see fit.

Company response to consumer: Closed with non-monetary relief
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: I.C. System, Inc.
State: AL

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. Enclosed are the necessary documents to support my claim.

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: NV

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX, NY XXXX and i have wrote this report because of unauthorized negative credit accounts on my credit report. These are all false and misleading. These have hindered my credit score and it hurts my image and soul to see this. I need these accounts investigated and removed from my consumer report. I have tried to resolve this with the 3 major credit agencies ( Transunion, Experian, Equifax ) and they refuse to help me with bad business. Please help as i am looking to buy a home and take care of my family AND I CAN NOT because of credit denials. XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened : XXXX Balance : {$990.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XXXX Balance : {$140.00}, and MORE!

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: NY

Complaint narrative:
Hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX, NY XXXX and i have wrote this report because of unauthorized negative credit accounts on my credit report. These are all false and misleading. These have hindered my credit score and it hurts my image and soul to see this. I need these accounts investigated and removed from my consumer report. I have tried to resolve this with the 3 major credit agencies ( Transunion, Experian, Equifax ) and they refuse to help me with bad business. Please help as i am looking to buy a home and take care of my family AND I CAN NOT because of credit denials. XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) Account Number XXXX Date Opened : XXXX Balance : {$990.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XXXX Balance : {$140.00}, and MORE!

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