vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The dates might not be exactly correct, however the order is correct. For context, I have an HYSA  account with Openbank that my wife and I were using to save for a house. Our close date was XX/XX/XXXX, and I needed to transfer the ~ {$90000.00} into a different bank account so that I could pick up a cashiers check. 
XX/XX/XXXX : I knew it was a large sum of money that I was about to transfer and figured there would be a possibility that the transaction would get flagged. In effort to get ahead of the extra red tape, I called Openbank support prior to initiating the transfer to see if there was anything I could do to make sure it wouldnt get flagged. I was told there was nothing I can do. Thus, I initiated the transfer. 
XX/XX/XXXX : I checked the account first thing in the morning and saw that it was flagged. Since then, Ive called OpenBank over XXXX times. Each time Ive spoken to a different support rep and have been told a number of different things. I always asked to speak to a manager, and there is never XXXX available. They do offer to have a manager call me back, but I have never received a call back. I have told support this information, and they claim that a manager has called me back. Yet, I dont have a record of any phone calls on any of the phone numbers Ive given them. Im also told that the transaction was flagged as fraudulent, which is especially frustrating considering I called ahead of the transfer initiation. No one can give me and my wife any clarity and the last person we spoke to said it looked like our account had been closed. We had to borrow money to close on our house. They did end up sending {$75000.00} back to our E * trade account, but we still have over XXXX in that account that is apparently closed now? 

Again, no one from Openbank has tried to contact me via phone or email since this began.

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 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX  - XX/XX/XXXX 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 XXXXXXXX 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
b'I am submitting this formal complaint to the Consumer Financial Protection Bureau against LexisNexis Risk Solutions (LexisNexis) for its failure to comply with the statutory duties imposed under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., specifically  1681e(b) and 1681i. LexisNexis has failed to respond to a properly filed consumer dispute within the statutory timeframe and continues to report materially inaccurate bankruptcy information, thereby causing significant and ongoing harm to my credit reputation.\nXXXX XXXX XXXX XXXX, I transmitted a formal dispute letter to LexisNexis via XXXX Certified Mail, Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX. The letter was received and signed for, yet LexisNexis has not issued any response, nor has it conducted or communicated the results of a reinvestigation as required by FCRA  611(a)(1)(A). This constitutes a clear and unambiguous violation of LexisNexis reinvestigation obligations. The statute requires that a consumer reporting agency conduct a reasonable reinvestigation of disputed information and provide the consumer with the results within XXXX  days. LexisNexis failure to do so is a statutory breach that triggers mandatory deletion of the disputed information.\nMoreover, the bankruptcy record LexisNexis is reporting contains material inaccuracies. According to the official XXXX  record (Case No. XXXX), the bankruptcy was filed in the United States Bankruptcy Court for the Central District of California, Santa Ana Division. The case was filed on XXXX XXXX XXXX, discharged on XXXX XXXX XXXX, and terminated on XXXX XXXX XXXX. The correct court name is California  Central  Santa Ana. Any deviation in the reported court name, filing details, or disposition constitutes a factual error and violates FCRA  607(b), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.\nLexisNexis refusal to respond to my dispute, coupled with its continued reporting of inaccurate and unverified information, constitutes willful and/or negligent noncompliance with the FCRA. This conduct has caused demonstrable harm by perpetuating erroneous public record data that negatively impacts my credit profile and the accuracy of downstream reporting by other consumer reporting agencies relying on LexisNexis data.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/year> To : Transworld System Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX Dear TRANSWORLD SYSTEM INC I am writing in response to your [ letter/phone call/email ] dated [ insert date if known ], regarding the debt you claim I owe. This letter is a formal request for validation of the alleged debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized breakdown of fees, interest, or other charges. 
XXXX. A copy of the original signed agreement or contract showing that I agreed to the debt. 
XXXX. Proof that you are authorized to collect this debt in my state. 
XXXX. The date the debt was incurred and the date of last payment. 
XXXX. Verification that the statute of limitations for collecting this debt has not expired. 

Until you provide this information, you must cease all collection activity, including phone calls, letters, or reporting to credit bureaus, as required by the FDCPA. 

Please note that this letter is not a refusal to pay but a request for validation. I ask that you respond within XXXX  days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received a notice from Truist that they stopped a suspicious transaction when I looked at my account I found another transaction from the same retailer pending on my account. I called the bank and advised them that was also fraudulent on the XXXX while it was still pending. On the XXXX the bank paid the charge which I again disputed and now was given a conditional refund that wouldnt have been necessary if they had stopped that charge also while it was pending. When going through my emails I received several orders made on the same day from happy finds store? They were paid for by an XXXX pay account? After contacting XXXX we realized that our XXXX accounts were compromised and that someone had ordered from happy finds several things some with our debit cards others from cards that arent ours. All but XXXX were stopped XXXX was charged to my bank account another from a credit card that is not ours. The receipts from happy finds that I have had links for viewing order and invoice however the links are invalid there is only a personal email address that does not appear to be related to any company that Im afraid to contact for obvious reasons it just doesnt seem legit. I have sent all of this information to Truist and there claiming the retailer has verified it was my order but cant provide me any information as to what was ordered or even where it was shipped or proof of receipt. Notice on the receipts sent theres no payment information and they allowed say I would receive another email when order was shipped. I have never received any further correspondence. It important to note that the XXXX pay account was opened by whomever compromised our accounts. Neither my husband nor myself ever had an XXXX pay account its sense been closed by XXXX and we have also been issued new XXXX prime cards and have strengthened the security features of our accounts.

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 2025-10-14 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 submitting this complaint because Experian has repeatedly failed to conduct a proper investigation of my credit report disputes, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ].

I filed a dispute with Experian regarding inaccurate and/or unverifiable information on my credit report. Despite providing supporting documentation to verify my claim, Experian responded within a very short period with a generic notice stating that the item was verified as accurate, without any explanation or evidence of how that determination was made. 

It is clear that Experian did not perform a reasonable reinvestigation as required by law. They appear to have simply relied on automated verification from the furnisher ( creditor ) through the e-OSCAR system, rather than reviewing the documentation I provided or contacting the furnisher directly for a meaningful review. 

This failure to properly investigate has caused ongoing harm, as the inaccurate information remains on my credit report, affecting my creditworthiness and ability to obtain fair credit terms. I believe Experians handling of my dispute violates my rights under the FCRA and represents a pattern of negligent and unfair practices. 

I am requesting that the CFPB review this matter and require Experian to : Conduct a proper reinvestigation with full documentation review, Provide a detailed explanation of how the item was verified, and Remove or correct any information that can not be substantiated with proper evidence from the furnisher. 

Attached are copies of my dispute correspondence and any related documents showing Experians response. 

Thank you for your attention to this matter.

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 2025-10-14 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: MS

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
My debit card never works with Charles Schwab bank. The past month Ive spent XXXX times on the phone ( XXXX ) each time to get it to work. Schwab claims its their algorithm and has no recourse for this action. 

This is a debit card being used with a XXXX mile radius of my home and constantly never works for purchases. Im currently on the phone again with them. Theyve refused to remove their cumbersome fraud locks. Everytime I get paid I have to spend XXXX mins going through all of my purchases just to use my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This account ALLY Financial with a showing balance of {$14000.00} was fraudulently opened in my name and is reporting to my credit profile. Ive sent in XXXX separate disputes that included an FTC report, a police report, a copy of my photo ID and social security card to validate my claim. Ive made it very much clear that I did not open these accounts and that Ive been a victim of identity theft. Someone was using my credit profile and all of my information as if they were me and this creditor has been made aware of that. All XXXX major credit bureaus were also made aware of this and they initially deleted and blocked this account but weeks later they added it back. From what I could gather from them as to why it was reinstated it was because they believe I shouldve known or done my due diligence to be aware of this debt. Regardless of what they believe or assume that I shouldve known the fact remains that I didnt and that this account was opened fraudulently and doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Wire sent from Truist Bank to XXXX XXXX  XXXX XXXX to the account of XXXX XXXX XXXX XXXX.. I was advised by the recipient that my memo on the wire was incorrect. So it could not be processed. I was advised to request a recall. Truist followed with this but efforts failed.

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 2025-10-14 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: FL

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within XXXX ( XXXX ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EXPERIAN, the following fraudulent account was reinserted on my credit report : XXXX XXXX XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after XXXX  days, received no response. This account was previously removed by other agencies due to lack of verification, yet EXPERIAN, reinserted it without proper validation. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EXPERIAN, complies with the law by blocking this fraudulent account immediately and confirming the action.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX- XXXXXX/XX/XXXXXXXX XX/XX/XXXX BANKRUPTCYXX/XX/XXXXFRAUDULENT INQUIRIES :XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Tried to send {$1100.00} to XXXX XX/XX/XXXX and XX/XX/XXXX of this year. Both attempts were declined. XXXX wrote in an email that they did not accept the money, and that it should be back in my checking account in XXXX days. Never happened. Now I am pursuing it this way, then small claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I called PayPal about my account and how I could not access it. Im no longer able to access my email and have changed my phone number. I informed PayPal about the issue and was told there is no way to access my account and they can not provide me any further assistance that without getting into the email my funds would not be able to withdraw and that they would keep my money indefinitely without any further options. I asked them to send me a check or change my information but they refused and said my account is limited and the only way is for me to get into my old email account

Company response to consumer: Closed with explanation