vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint because there is a hard inquiry on my credit report made by SANTANDER CONSUMER USA on the date of XX/XX/year> which I did not authorize and did not apply for credit with them I have contacted the company directly and disputed the inquiry with the credit bureau XXXX, but I have not received any results under the fair credit report act credit inquiries must be authorized since I did not provide consent. This inquiry was made without my permissible purpose, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

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 1581e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall tollow reasonable procedures to assure the maximun possible accuracy of the information concerning the individual about whom the report feldies 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unveritiable information ( A ) In general it after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the Intormation is tound to be inaccurate or incomolete or can not be venitied. the consumer reporting agency shall_ ( i ) promptly delete that item of information from the le or te consumer, or moaly wat lem or Iniormaton , as appropriale, Dased on te 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 : ( XXXX XXXX XXXX  Capital one, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a {$7500.00} domestic wire transfer from my business account at XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX at Bank of America ( Routing No. XXXX, Account XXXX. XXXX ). The payment was made under the false belief that I would receive a legitimate business service. However, immediately after the transfer, I identified multiple indicators of fraud and misrepresentation by the recipient. I acted swiftly and submitted a formal wire recall request to XXXX, supported by detailed evidence. 

On XX/XX/XXXX, XXXX informed me that Bank of America had accepted the recall request. Since then, over four weeks have passed with no return of funds and no formal response from Bank of America. 

On XX/XX/XXXX, I also sent a direct written notice to Bank of America requesting urgent action and clarification regarding the recall status. Despite this, I have received no update, resolution, or even acknowledgment. This prolonged silence from the bank raises concerns about compliance with proper recall procedures and the handling of fraud complaints. 

I am requesting your intervention to ensure that Bank of America fulfills its obligations, either by executing the wire recall and refunding the {$7500.00}, or by providing a legally sound, detailed written explanation justifying its inaction.

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 2025-06-22 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: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Deletion of Inaccurate Account XXXX XXXX  I am writing to dispute the inaccurate and conflicting information being reported on my credit file regarding the account listed below : Creditor Name : XXXX XXXX  Account Number last four : [ XXXX ] Reported Delinquency : 60 Days Late ( XX/XX/XXXXXXXX  ), then 120 Days Late ( XX/XX/XXXX ) Inconsistencies & Violations : 1. Chronological Impossibility : Reporting the account as 60 days past due in XX/XX/XXXX followed by 120 days past due in XX/XX/XXXX is factually and mathematically impossible under any standard payment schedule. A 120-day delinquency can not chronologically follow a 60-day delinquency that occurred nearly a year earlier. Also statement shows worst history 60 days past due not 90 or 120+. 
2. Violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This reporting fails that test.

3. Violation of FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : As a consumer, I am disputing the accuracy and completeness of this account. You are now legally obligated to conduct a reasonable reinvestigation and delete the account if it can not be verified accurately.

4. Violation of FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I am demanding disclosure of all documentation used to furnish this derogatory information, including payment history, delinquency logs, and original reporting from the furnisher.

Demand for Immediate Action This entry is factually and legally deficient. The conflicting dates and severe delinquency claims are : Inaccurate Misleading Unverifiable Damaging to my credit profile If you are unable to verify the accuracy of the reported data with documented evidence, as required by law, you must delete this XXXX XXXX  account from my credit file entirely. 

Failure to act within 30 days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue remedies under 15 U.S.C. 1681n for willful noncompliance and damages under 1681o for negligent failure to maintain accurate records.

Supporting Enclosures : Copy of my government-issued ID Proof of current mailing address Copy of the disputed credit report with XXXX XXXX  account highlighted I expect a written response detailing the results of your reinvestigation, as required by law. If you can not verify this account with original documentation from XXXX XXXX, it must be deleted in full. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This company Santander got me a high interest loan about two years ago for a mustang. The loan was for XXXX and i have been paying it for 2 years. I belive the salesman at the dealership used predatory tactics to get me into a high interest loan. I had no idea what a high interest rate looked like and he used that to his advantage to get me approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/scrub>XXXX I opened a Walmart plus account using my Sams club credit card. I immediately canceled this service ( < 30 minutes after signing up ) when I found out they would not deliver. ( the whole reason I signed up ). On XX/XX/year>, I was contacted by a Walmart customer service rep who indicated the charge would be removed within 1-2 days. I have made 3 subsequesnt call and received various answers. On XX/XX/year> at XXXX spoke with a rep from Walmart plus customer serviceXXXX. She advised the charge would be removed within 2 days. Did not happen. XXXXI spoke to XXXX at the number on the back of my card ( XXXX ). Now she is stating 60 days to resolve while everyone else said 1-2 business days.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed when I checked on my credit report with Experian, I still notice very old accounts that have been closed and put on my account negatively, reappearing with new current dates. Every time I dispute them, they don't get taken off

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-22 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: FL

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There has been an account opened with Chase Bank unknowingly to myself, the business owner. When I contacted Chase Bank, they confirmed that there was an account, but it was closed. They did receive a check and flagged it for forgery. They told me to come in to a local office to fill out an identity fraud form. There are no local offices within at least seven hours of my location. I need assistance in taking the appropriate actions to get this information off of my businesses credit. The check that was wrote and flagged for forgery was written on XXXX for the amount of {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management is reporting inaccurate information and can not verify that the information reporting belongs to me. 
Company is in violation of ( FDCPA ) : 1. Attempting to collect debt not owed 2. Sending written notification with insufficient information about debt Please provide all Original documentation and my signature that is attached to this debt that you are claiming or reporting on my credit report. If you fail to provide documentation requesting desist from reporting inaccurate information on my credit report or I will be taking legal actions against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am wondering the amount that suntrust is saying I owe {$200.00} from withdrawing the {$200.00} from the atm. Because that is all the money I have since I am hard up on money with bills kids and not a full time job. The rest of the {$110.00} I do t have because I make just enough money to get by. I can pay the {$200.00} this coming up if you would agree to agree to close the account and be willing not to bank with yall because this issue is costing a lot of issues with trying to open a bank account I take responsibility of the {$200.00} I overdraft but I am desperately needing a banks account because of issues I have so please I hope yall will work with me on the situation XXXX  and look forward to settling the situation the easy way 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 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
Collection Professionals Inc. is currently attempting to collect a rental-related debt under the name XXXX XXXX XXXX XXXX XXXX XXXX prior registration under a dissolved entity ( XXXX XXXX XXXX XXXX XXXX XXXX and its trade name now being registered under Collection Professionals Inc . The company is reporting a balance of {$1200.00} to credit bureaus, even though the original balance was only {$930.00}. They added post-default interest and fees without a court judgment or contractual authority. When I questioned this, they cited XXXX. XXXX, which only allows interest after a judgmentnot before. Their justification misrepresents the law. I requested full validation, including a copy of the lease and breakdown of charges, but was only sent general citations and still no lease or interest breakdown. The company refuses to delete the tradeline unless I pay the full inflated balance. This violates the FDCPA and misrepresents the amount legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: IL

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 2025-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The XXXX XXXX XXXX ( XXXX ) a non-profit organization serving XXXX members in the XXXXXXXX XXXX XXXX XXXX  has a checking and a savings account with JPMorgan Chase Bank N.A . at XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. About {$160000.00} was stolen via unauthorised ACH transactions since XX/XX/XXXX, most amount of money was stolen in the month of XXXX and XXXX of XXXX. I did not setup any ACH from the savings account to pay anyone. I submitted several claims on XX/XX/XXXX. The claim numbers : XXXX, XXXX, XXXX, XXXX, XXXX. The money was not credited yet by the bank. My claims are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NC

Complaint narrative:
Equifax is in violation of FCRA ( 15 U.S.C code 1681e ( b ). I am entitled to a fair and accurate credit report and this company has been notified many times that they are the only credit bureau that continues to report unverified and inaccurate accounts on my credit report. To my knowledge my information was compromised through their data breach. 
I need a reinvestigation on the following accounts in question and requesting proof of investigation and how the account came back VERIFIED. 
Equifax is the only credit bureau that says the accounts below is VERIFIED, while transunion and Experian is not reporting the account. 
XXXX. XXXX XXXX XXXX # XXXX Please provide documentation under 15 USC 1681i. 
Please report all authorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: OR

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXX through XXXX for {$69.00}. The item was listed as genuine, but after receiving and using it, I discovered it was counterfeit. The device would not update firmware or play sounds via the XXXX XXXX XXXX and the packaging had typos all common signs of fakes. XXXX confirmed that the serial number was spoofed. 

I filed a police report with the XXXX XXXX Sheriffs Office ( tracking number XXXX ), submitted complaints to the FTC and Oregon DOJ, and provided photos, XXXX  confirmation, and screenshots of my communication with the seller. Shortly after I requested a refund through XXXX, the seller blocked me and their listings disappeared. 

I submitted a dispute to Discover. They initially credited the amount but then reversed it after claiming the transaction was valid. I appealed the decision and re-submitted all documentation. On XX/XX/year>, Discover sent a second letter again denying the dispute, stating that my documentation was insufficient. 

I am asking the CFPB to review this matter, as this is not a case of dissatisfaction with a purchase it is a case of counterfeit goods being sold, which is a violation of federal law. Discover failed to act on extensive documentation showing that the transaction was fraudulent and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The sequence of events was as follows. 

( 1 ). I paid the balance due to XXXX XXXX, and the matter seemed over. 

( 2 ) Then, I saw that I had a " derogatory mark '' pending on my XXXX account as I was in collections with Transworld Collections for XXXX XXXX 

( 3 ) I contacted XXXX XXXX and they confirmed they received my payment on or about XXXX XXXX. 

( 4 ) I never received a notice of collections from Transworld Collections, and more importantly, the bill was paid a month before it appeared on my credit report.

( 5 ). I disputed the " collections mark '' with XXXX  by providing a check no., date sent, and Bank Statement showing the check cleared.

( 6 ) The dispute was reviewed and removed from my credit report. BUT, XXXX XXXX did NOT contact XXXX  nor XXXX  or XXXX  as promised. 

( 7 ). Presently, I am now disputing the " collections mark '' with the other agencies.

( 8 ) I do NOT believe my XXXX  score has rebounded at the rate it plummeted due the inaccurate " derogatory mark '' for a collections that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems put debt for XXXX into collection on XX/XX/year> for XXXX XXXX I only found this out when I was denied a credit card application and looked at my report. 
I was not notified of the debt by XXXX before it went into collections. I am a current XXXX customer with an active account that is in good standing. They never sent me a bill or notices for the {$380.00}. I have a XXXX account and every bill has been paid in full and on time. 

I have not received any mail or communications from Transworld System or XXXX regarding this debt. 

My rights under the FDCPA have been violated. The only information I have about this debt comes from looking at my credit report. 
I have not received a notification of debt from Transworld Systems. 
I have not received an validation notice from Transworld Systems. 
I have not received information about consumer protections under th FDCPA from Transworld Systems.

Company response to consumer: Closed with explanation