vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$210.00}

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 2025-05-18 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$210.00}

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 2025-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Investigation/Inquiry into Online Banking Transactions To Whom It May Concern : I am writing to formally request your assistance regarding concerns related to online banking transactions involving [ insert bank or financial service provider Openbank, a division of Santander I believe that unauthorized transactions, lack of transparency, difficulties in account access, delays in returning my closed account funds are actions Openbank is operating under. 

Despite my attempts to resolve this matter directly with the institution, the issue remains unresolved and may involve noncompliance with federal regulations governing online banking or consumer protection.

I respectfully request that your office investigate this matter or provide guidance on how I may proceed to ensure my rights as a consumer are upheld.

Below are the relevant details of the incident ( s ) : Institution Name : Openbank Account ending XXXX Date ( XXXX ) of Issue : XX/XX/XXXX or thereabouts. 

Description of issue : I tried to close the account in XXXX on which they told me my {$30000.00} on deposit was only available via a mailed check in XXXX days. 

A few days later the {$30000.00} was wire transferred to my external checking account on file. I assumed the account was closed. 

In XXXX, I got an online statement and I saw there was $ XXXX interest balance. The rate at the bank online savings rate was better than most, so I transferred {$5000.00} back into the account. 

On or about XX/XX/XXXX the bank closed the account and supposedly sent a check to my home address. I called multiple times trying to understand this. 

As of XX/XX/XXXX I do not have a check and the bank will not tell me anything except they are investigating this and to expect a response from them in the days ahead. 



Enclosed are copies of any documentation, I have related to the matter, including correspondence with the bank, screenshots, or transaction records. 



Thank you for your attention to this issue. I am confident the CFPB will help ensure fairness and transparency in online financial services. Please do not hesitate to contact me at [ your phone number or email ] should you require any additional information. 



Sincerely, 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 2025-05-18 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: GA

Complaint narrative:
Subject : Round 2 Dispute - Fraudulent Accounts and Inquiries ( Identity Theft ) Dear Consumer Relations Department, This is a formal follow-up dispute regarding fraudulent accounts and inquiries that continue to appear on my credit report, despite my initial dispute. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ) to demand that these fraudulent items be blocked, reinvestigated, and permanently deleted from my credit report. 
I first became aware of fraudulent activity on my credit report on XX/XX/year>, when I attempted to apply for a home loan. Despite my previous dispute, the following unauthorized accounts and inquiries remain on my report : Fraudulent Accounts to Be Blocked & Deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter serves as a request for immediate investigation and resolution of these issues. I recently became aware that information about my account has been shared with third parties without my explicit consent. As you are aware, such actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( b ), which explicitly prohibits debt collectors from communicating with third parties in connection with the collection of a debt without the prior consent of the consumer or the express permission of a court. Additionally, I believe this conduct may be in violation of other applicable consumer protection laws, including but not limited to the Gramm-Leach-Bliley Act ( GLBA ), which restricts the sharing of nonpublic personal information with unauthorized third parties. I demand that you immediately cease and desist from sharing my personal information with any third party without my prior written consent. Furthermore, I request a detailed accounting of all entities with whom my personal information has been shared, including the nature and purpose of each disclosure. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. I expect a response within 30 days from the date of this letter. What I received from my initial complaint was not what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Financial Recovery Group
State: FL

Complaint narrative:
This letter serves as a request for immediate investigation and resolution of these issues. I recently became aware that information about my account has been shared with third parties without my explicit consent. As you are aware, such actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( b ), which explicitly prohibits debt collectors from communicating with third parties in connection with the collection of a debt without the prior consent of the consumer or the express permission of a court. Additionally, I believe this conduct may be in violation of other applicable consumer protection laws, including but not limited to the Gramm-Leach-Bliley Act ( GLBA ), which restricts the sharing of nonpublic personal information with unauthorized third parties. I demand that you immediately cease and desist from sharing my personal information with any third party without my prior written consent. Furthermore, I request a detailed accounting of all entities with whom my personal information has been shared, including the nature and purpose of each disclosure. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. I expect a response within 30 days from the date of this letter. What I received from my initial complaint was not what was requested.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-18 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$27000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-18 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Hi Dear CFPB, this has been a mess. It all started on XX/XX/XXXX. Coinbase right now is the problem because they are not giving my money back. 

But XXXX was the initial problem. I made a purchase XX/XX/year> from them, an XXXX nvme. This to be exact XXXX XXXX XXXX XXXXXXXX XXXX messed my money. 
XXXX On XX/XX/XXXX I made my payment with XXXX from XXXX Coinbase Account to XXXX XXXX XX/XX/XXXX XXXX returned my XXXX  to my Coinbase Account XXXX without notice, email or anything. I had to mail support. I thought my order was cancelled.

3.- No, support told me my order was not cancelled and that this was normal. I received this reply a few d
ays after I got my money back.

4.- I used my money to buy a XXXX XXXX  from XXXX. I thought everything was well and my order with XXXX was hopefully Cancelled. I contacted XXXX agents multiple times begging them to cancel my order and to not charge me again since I did not wanted their hard drive anymore. They had no stock either way. 
5.- Nope they said we can not cancel your order. They charged me again on XX/XX/XXXX and pulled my XXXX XXXX from my Coinbase account without prior notice, email or anything. They still did not had stock... 
XXXX Ok I got to another XXXX agent XXXX XX/XX/XXXX, XXXX or so agent I spoke to. Well, She was able to FINALLY cancel my order. XXXX sent my money to coinbase. 
7.- When it hit my Coinbase account it said refund denied on my card transactions.

8.- Another nightmare but with Coinbase. So far I had spoken to like XXXX+ agents I lost count. My case is supposedly under investigation. A dispute was opened. It is XX/XX/XXXX as of today, a month after I put my order with XXXX which is now cancelled. They had stock a few days ago. I believe XXXX 's tariffs were to blame. 
9.- Well today I have no XXXX XXXX XXXX and no money back. Coinbase is not even replying to my emails now. 

I want my money back guys, please help me. 
XXXX XXXX : I also sent this report to the XXXX. I need help guys. I just want my money back.

Company response to consumer: Closed with explanation