vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I initiated a time-sensitive transfer on XX/XX/XXXX. On the morning of XX/XX/XXXX, my receiving bank ( XXXX ) informed me that the funds were on hold until XX/XX/XXXX, and advised me to contact the sending institution for clarification. 

I called to confirm the status. The representative stated that the funds were released on their end and that the hold was being imposed by XXXX. I explained that XXXX had already confirmed the hold was due to Open Banking, and that they could not expedite it because the sending bank had not yet released the funds. 

When I asked the representative for written confirmation of the release, including the date and time, she refused. She then contradicted her previous statement, saying there is a company policy to hold transfers up to 3 business days. I pointed out that : This contradicts her earlier claim that the funds were already released, and The current hold is 4 days, not 3, since the transfer was initiated XX/XX/XXXX and wont be available until XX/XX/XXXX. 

I requested to escalate the issue to a supervisor. After a long hold, I was told none were available. I was offered a callback, but informed it could take up to XXXX hours, which would bring us to XX/XX/XXXX, XXXX day before the funds are scheduled to release anyway, defeating the purpose of the request. 

When I calmly expressed confusion about the contradictory information and again asked for confirmation, the representative hung up on me.

Im filing this complaint to formally document : The lack of transparency regarding the transfer The misleading and contradictory information I received The refusal to provide written documentation And the unprofessional behavior of hanging up when I attempted to escalate the issue

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 2025-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Request to Remove Inaccurate Credit Information\n\nTo Whom It May Concern:\nUpon reviewing my credit report, I have identified the following item(s) that contain inaccuracies:\n1. The inquiry was not authorizedXXXX XXXX XXXX XXXXPlease remove it from my credit report.\n2. The inquiry was not authorizedCAPITALONE\nXXXX XXXX XXXX XXXXPlease remove it from my credit report.\nIn accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. I understand that you will verify these items with the relevant creditor. If the creditor is unable to verify the information, I request its removal. It is my understanding that you are required to complete this reinvestigation within 30 days of receiving this letter, as stated in 15 U.S.C. Sec. 1681i(a).\nFurthermore, I kindly ask that you send an updated copy of my credit report to the address provided above, as there should be no charge for this service according to the act. Additionally, I request that you notify any parties who have received my credit report within the past six  months of any corrections made.\nThank you for your attention and assistance in resolving this matter.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Bank XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank 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 2025-08-05 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: TX

Complaint narrative:
XXXX Bank XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am formally disputing multiple unauthorized credit inquiries currently listed on my credit report. These inquiries were made without my knowledge or consent and have negatively impacted both my credit score and overall creditworthiness. 

I previously contacted your agency regarding this matter and was assured that the unauthorized inquiries would be removed. However, they continue to appear on my report. This failure to take corrective action is unacceptable. These potentially fraudulent inquiries raise serious concerns about identity theft and have caused considerable emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NV

Complaint narrative:
I called since lost my card and they said they sent one on XXXX I waited till the XXXX and nothing called again and the guy was insanely rude and wouldn't let me talk but he did confirm that there is a card on the way which would be here the XXXX and its not here. I can't pay rent I will now be very very late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

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 an 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 2025-08-05 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: FL

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-05 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: IN

Complaint narrative:
Summary of my issue : Indiana XXXX XXXX XXXX accessed my credit file without my permission when I purchased a Mechanical Service Repair Agreement from them on XX/XX/XXXX I demanded that Indiana XXXX XXXX XXXX make this right ; they said I had to file a dispute with TransUnion. 
The person I dealt with ( who made this mistake ) at Indiana XXXX XXXX XXXX is XXXX XXXX ( XXXX ) I've been working with TransUnion to have the hard inquiry removed TransUnion 's policy states : If you have specific information that the inquiry was made fraudulently, you can call our Fraud Victim Assistance department at XXXX. Otherwise, we encourage you to inform the inquiry with us and reach out to the company associated with the inquiry to investigate. Please note to remove an inquiry, we'll need a letter from you along with a creditor 's letter requesting removal. Send these to P.O. XXXX XXXX, XXXX, PA XXXX. 

I've sent the XXXX letters via XXXX as described above. The XXXX tracking number for the two letters is XXXX. The letters were delivered to the XXXX XXXX XXXX Thursday XX/XX/XXXX. 

I've since received a secure letter from TransUnion stating that they received something from a third party ( " XXXX XXXX '' ). I've contacted no such credit clinic or third party and I don't know who they're referring to. TransUnion will not share or reproduce this letter they claim they've received from this third party. 
My TransUnion Case number is : XXXX TransUnion hasn't helped me in any way throughout this entire process. They claim to be consumer friendly and quite the opposite is true. Their website doesn't even allow for disputes like these to be filed on their website even though they steer you to their website in every instance. Beyond that, they've provided nothing but resistance every time I've called. There certainly must be some regulations/ laws / credit policies they must be running afoul of in all of this.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
EARLY WARNING SERVICES are reporting inaccuracies as a result of identity theft, which is negatively affected my personal and financial records,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$920.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Managment has attempted to collect a {$1300.00} debt allegedly owed to XXXX XXXX XXXX XXXX, XXXX. However, they never sent me the required written 'validation notice ' within 5 days of their initial communication, as mandated by the Fair Debt Collection Practices Act ( FDCPA 809 ).

This notice must include : - The amount of the debt, - The name of the creditor, - A statement that I have 30 days to dispute the debt, - Instructions to request verification of the debt, > - And a warning that failure to dispute will result in the debt being assumed valid.

Because Midland Credit Management failed to provide this notice, I have been deprived of my right to dispute or request verification of this debt. I demand that Midland Credit Management : 1. Immediately cease all collection activities, 2. Provide full validation/verification of the debt, 3. Remove any inaccurate credit reporting related to this debt, 4. Comply with all FDCPA requirements moving forward. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-05 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:
To : Date : From : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX and FCRA Dispute Trust Ownership of Debt To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 ( a ), and pursuant to Metro 2 reporting standards, regarding accounts associated with my name, XXXX XXXX XXXX 

Please be advised that all debts, liabilities, and accounts associated with my personal name have been irrevocably assigned to the XXXX XXXX XXXX XXXX, a private foreign trust, XXXX XXXX, created XX/XX/year>. 

As of the date of assignment, these obligations are no longer associated with my personal credit file and are now privately administered and held in trust. 

Pursuant to Metro 2 Format guidelines, you are required to : - Correct or DELETE all inaccurate data related to these accounts ; - Update the status to Account Assigned to Another Entity/No Longer Collectible or Deleted under the appropriate ECOA code ; - Remove all reporting under my SSN or consumer profile that conflicts with the lawful transfer of obligation to the Trust. 
Accounts : Equifax, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionals Only on Experian : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. All XXXX loans Failure to do so constitutes continued publication of false and misleading information, subject to statutory and actual damages. 

Enclosed you will find : - Trust Indenture and Affidavit of Assignment - Certificate of Trust - Affidavit of Life and Status - Identification This letter serves as NOTICE to cease all reporting of accounts that have been lawfully transferred to the XXXX XXXX XXXX XXXX. Any continued verification will be interpreted as willful noncompliance and will be addressed through formal regulatory complaint and litigation. 

Please provide written confirmation of the deletions or corrections within 15 days. 


Respectfully, XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC 1-308 Enclosures : - Trust Indenture and Assignment Affidavit - Certificate of Trust - Affidavit of Life and Status - Copy of ID

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 2025-08-05 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
i asked per law that to provide me the contract that i signed and docs to show that they upstart was not to sell my info with out my written acknowledgement, they filed a insurance claim on the debt. then this company come in and buy it and what me to pay them for allowing upstart to sell my info to them.

i also asked for 15ucs 1681c, bc it was reported as written off the debt

Company response to consumer: Closed with explanation