vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am an international student living in XXXX, XXXX. On [ insert exact date ], I deposited {$1000.00} in cash at a Santander Bank ATM located at the XXXX XXXX  XXXX XXXX XXXX. 

The ATM malfunctioned it accepted only {$69.00}, returned part of the money, and withheld {$250.00} ( two {$100.00} bills and one {$50.00} bill ). I immediately reported the issue and followed all procedures as a responsible customer.

Santander initially credited {$250.00} temporarily, but after nearly two months, they reversed it, stating insufficient evidence. I have repeatedly requested ATM cash reconciliation reports, electronic journal ( EJ ) logs, XXXX footage, and maintenance records, but Santander has not provided any evidence or transparency about their decision.

Because of this, my account went negative, and I was charged overdraft fees. As a student with limited funds, this has made it extremely difficult to pay my rent and manage daily expenses. The situation has caused me severe stress and anxiety, making it hard to focus on my studies or function properly.

I believe Santander failed to comply with Regulation E ( Electronic Fund Transfer Act ) by not conducting a proper, documented investigation and by reversing the credit without providing proof or disclosing how the determination was made.

This case involves clear financial and emotional harm due to the banks negligence and lack of accountability.

I am requesting : Reversal of the {$250.00} loss and refund of all overdraft fees Disclosure of ATM investigation records ( EJ logs, reconciliation reports, XXXX  ) Formal review of Santanders dispute handling process and failure to communicate evidence to customers I have attached my previous emails, bank statements showing the reversal and overdraft, and my detailed escalation letter to Santanders dispute resolution team.

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 2025-11-07 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: CT

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 2025-11-07 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am disputing three separate tradelines on my Equifax credit report that are being reported under the names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( second card ) All three list the same address in XXXX, XXXX  and all three show charge-offs from XXXX. These appear to be either duplicates, misattributed accounts, or mixed-file errors. The company previously responded to my prior CFPB complaint by stating that the accounts do not belong to them, even though their exact name and address appear on my Equifax credit report as the furnisher. 

This is a violation of the Fair Credit Reporting Act.

1. The company failed to perform any investigation under FCRA 1681s-2 ( b ).

They did not verify any information, provide any documentation, or identify the correct furnisher. Instead they denied ownership of the tradelines despite Equifax listing them as the reporting creditor.

2. The tradelines contain multiple inconsistencies and inaccuracies : Different balances across accounts with the same open date Identical furnishers reporting multiple charge-offs opened on the same date Conflicting DOFD and delinquency dates One account reports as a credit card, one as a line of credit, one as another credit card All three report different high balances but originate from the same credit union These inconsistencies suggest duplicate reporting, incorrect assignment, or mixed file.

3. If the company claims these are not their accounts, they are required to notify Equifax and request deletion.

They have not notified Equifax or corrected any inaccurate information. Continued reporting of data they deny ownership of is a direct violation of 1681s-2 ( a ) and 1681s-2 ( b ).

4. Equifax is also in violation of 1681i for failing to correct or delete unverifiable tradelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am disputing the following accounts as they have been inaccurately reported. These accounts are listed as " charged off, '' but I believe that either the balance or the reporting of the status is incorrect. I request a full investigation and resolution. 


Inquiries : I am disputing the following unauthorized inquiries. As per the FCRA, I request that any inquiry made without my express consent be removed immediately. 

XXXX : XX/XX/year>

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

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 2025-11-07 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-11-07 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-11-07 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: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Reported Late Payments : XX/XX/year>

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is Incorrect reporting of late payments when they were made on time. The time is inconsistent and inaccurate. It should be removed and marked as ontime payments. XX/XX/year>, XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XX/XX/year>, XX/XX/year> I have tried to make a dispute with the credit reporting agency and 2 of the 3 companies changed it without issue. Experian is harming my credit score with inaccurate late payment remarks. It should be listed as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
This dispute involves the following accounts that are being reported inaccurately by the credit bureaus. I am requesting that these items be investigated for accuracy and removed if they can not be verified according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} This account has been reported inaccurately. I request that this account be investigated and removed if it can not be properly verified. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account has been reported inaccurately. I request that this account be investigated and removed if it can not be properly verified. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account has been reported inaccurately. I request that this account be investigated and removed if it can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
XX/XX/XXXX, I reported my car stolen. CNAC was my loan provider and The insurance provider because I paid for liability within my car note. I called in reported that my vehicle was stolen while I was incarcerated on the misdemeanor charge in XXXX XXXX courts located in XXXX OH. My power attorney was notified that the dealership had a tracking device on the vehicle and they knew where the vehicle was at. I was told that they would track the vehicle reclaim the vehicle and I could pick the vehicle up once they attained the vehicle. Instead of retrieving the vehicle after I have reported it stolen the vehicle wasn't retrieved until XX/XX/XXXX. 

CNAC used the tactic of waiting to the car was in default of payment then put it in repossession retrieve the vehicle. once the vehicle was received in XXXX of XXXX. I was never contacted that they found the vehicle. They sold the vehicle and put it on my credit report. Since XXXX I have been contacting CNAC at is business XXXX XXXX XXXX XXXX XXXX, IN XXXX. 

Every time I get in contact with them and request a 1099C or to retrieve the documents of me calling in stating that the vehicle was reported stolen The phone call always get hung up or they give me an attitude about a police report. When I informed them that the only person who can file a report on a stolen vehicle is the actual person and because I was incarcerated my power attorney XXXX XXXX Was the one who contacted the dealership and spoke to the representative. So since I did not have a police report I notified the company and filed it stolen with them because they were my insurance company as well that they have the burden of giving me and saving the documentation. However every time I speak to a representative if the phone call isn't disconnected they state they do not have access to my file. 

Sold the contract to a creditor when a creditor contacted me, I sent a debt validation letter. I never heard anything back from the creditor but then I noticed that CNAC started reporting on my credit again. so it appears that they bought the debt back and they are now still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
I am a consumer who is trying to fix my credit, and I am submitting this complaint regarding inaccurate reporting by the credit bureaus. I have identified accounts that I believe are being reported incorrectly and need correction. 

Account ( XXXX ) in dispute : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Dear XXXX Compliance Team, I am writing to formally report repeated unauthorized or premature debits from my linked bank account associated with my Cash App account ( XXXX XXXX XXXX XXXX XXXXXXXX concerning the Cash App Borrow feature. 

On multiple occasions, Cash App has initiated automatic debits several days before the agreed repayment date, despite no authorization or prior notice. These early withdrawals have caused account imbalances, overdraft risks, and significant financial inconvenience. 

I have attempted to resolve this matter through standard customer support channels, but the issue persists. These transactions appear to violate both the user agreement terms and Electronic Fund Transfer Act ( Regulation E ), which require advance notice and explicit consent for such withdrawals.

I request the following actions : 1. A full audit of all Borrow-related transactions on my account.

2. Immediate reversal or reimbursement of any premature debits.

3. Written confirmation that repayment dates will not be altered or advanced without prior consent.

4. Documentation identifying the source and authorization trail of each early debit.

Please provide written acknowledgment of this complaint within 10 business days, and a detailed resolution or corrective plan within 30 days, as required under CFPB complaint procedures.

Thank you for your immediate attention to this matter. I look forward to a prompt and transparent resolution. 


Sincerely, XXXX XXXXXXXX XXXX XXXX  [ XXXX ] last XXXX digits of linked account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I tried to get a validation of debt and I was unable to get this directly from the company within the allotted time within the state law.

Company response to consumer: Closed with explanation