vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint because several accounts on my XXXX  credit report are being inaccurately reported. The accounts listed under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Santander Consumer USA contain false, misleading, and/or unverifiable information. 

XXXX. XXXX XXXX XXXX XXXX - {$1100.00}. This company is inaccurately reporting a collection account for {$1100.00} on my credit report. I have never received proper validation or documentation of this alleged debt, and the company has not provided proof that they have the legal right to collect or report this account. The balance, payment history, and dates being reported are inconsistent and do not match any records of mine. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and require XXXX XXXX XXXX XXXX to provide complete validation of the account, including a signed contract and chain of assignment. If they can not verify this debt with accurate documentation, I request that it be deleted from my credit report immediately, and all negative reporting be removed. 

XXXX XXXX XXXX XXXX {$1100.00}. I am submitting this complaint because XXXX XXXX XXXX is reporting a collection account for {$1100.00} on my credit report. I have not received any verification or written notice that validates this alleged debt. The company has failed to provide proof of ownership, assignment, or a signed agreement to confirm that this account is legitimate. The reporting contains errors in the balance, dates, and payment status that do not accurately reflect my credit history. I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel XXXX XXXX XXXX to produce complete validation. If the account can not be verified with proper documentation, I request its immediate deletion and the removal of all related negative information from my credit report. 

XXXX XXXX XXXX XXXXXXXX {$21000.00} I am filing this complaint because Santander Consumer USA XXXX reporting inaccurate information about an auto loan with a charged-off balance of {$21000.00} on my credit report. The account shows a repossession and charge-off status that does not align with the actual terms or history of the loan. I have requested validation and a full accounting of this alleged balance, but the company has failed to provide clear documentation or records verifying the accuracy of the reporting. The payment history and amount listed are inconsistent with my records and appear to be incorrectly reported. I am requesting that the Consumer Financial Protection Bureau investigate this account and require Santander Consumer USA to validate the debt in full. If they can not provide complete and accurate proof, I ask that this account be deleted from my credit report and all negative information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX, XX/XX/year>, at approximately XXXX XXXX, I noticed two unauthorized transactions from my Bank of America checking accountone for {$350.00} and another for XXXX XXXX {$550.00}. Upon noticing these transactions, I immediately called Bank of America and requested a stop payment while the charges were still processing. The representative said she would attempt to stop them and provided me with a temporary credit for the {$550.00} that had been illegally debited from my account. 

By Monday XX/XX/year>, I saw the payments had gone through, and when I called again, another representative told me the stop payment didnt go through because it was the weekend and the transactions had already processed. This was not my fault. I acted quickly and responsibly. I trusted Bank of America to protect my account, but instead, the payments were allowed to go through. 

Fast forward to XXXX, XX/XX/XXXX, XXXXBank of America reversed the temporary credit and debited my account again for the same two unauthorized transactions. I didnt realize this until three days later, on XXXX, XX/XX/XXXX, because I had just started a new job and am not allowed to use my phone on the production floor. I wake up early and return home exhausted, and it was only at XXXX XXXX  that I discovered the reversal. It felt like I was being robbed a second timefirst by the fraudster, and now by the very institution I trusted to protect me. This is something I never imagined could happen with a financial institution. 

My fraud claim was denied with a vague explanation about no recurring payment pattern, and they mentioned something about accounts like mine typically being drained. That reasoning felt dismissive and insulting. Bank of America did not explain how they reached that conclusion. They never confirmed whether they contacted the merchantXXXX which is based in the XXXX whether my XX/XX/XXXX call was documented in the investigation timeline. I called twice, and no one ever mentioned whether the merchant was contacted directly. 

The information they provided did not justify denying my fraud claim, especially since I called while the transactions were still pending and requested a stop payment. I feel like I was defrauded twiceonce by the unauthorized transactions, and again by the institution that was supposed to safeguard my money. 

I need my little money. Whether its a large amount or not, it matters to me. I want my money back from the same institution I trusted to hold it. 

Best regard, 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 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: GA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: NY

Complaint narrative:
After my identity was stolen when I was very ill when they called me up the first time I told them that whatever they want can't be from me not fighting for my life being in the XXXX  and my dad my ID was stolen more than once while I was still in the XXXX and out of the XXXX  fighting for my life yeah I'm still fighting for my life now being forced to live on a low income can't work and I certainly wouldn't put myself into that kind of situation fighting for my life

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
My card was used multiple times at companies I have never even heard of. 

Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$710.00} After submitting my claim multiple times, Chime denied both.

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: CA

Complaint narrative:
I am submitting this dispute regarding inaccuracies and unverified information on my credit report, as provided by the XXXX major credit bureaus : TransUnion. The following are the accounts in dispute. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these accounts be verified or removed in accordance with FCRA guidelines.

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 2025-11-07 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring oaks capital bought a debt that I never gave consent to do business with them

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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

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 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: TX

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding several accounts listed on my credit report. These accounts may contain inaccuracies or incomplete information, and I am requesting a thorough investigation of the details below. 
Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Inquiries : ( None listed for EQ ) Late Payments : Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ive paid off the balance in full on XX/XX/year>, Ive reached out to the capital one credit card company few days after because they had reported on XX/XX/year>, inaccurate payment status saying its in collections/ charge off, Ive ask them to update the payment status saying that its paid in full, they had refused to update the account accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFBNA Card Partial Acct # XXXX Charged this account of a secured credit card. Company never notified me and did not send a 1099 according to 15 U.S.C. 1681, The company refuses to remove a debt they were paid for from my XXXX  Credit Card Bureaus causing my Credit to fall below XXXX. Furthermore, they sold the debt and i was not notified.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on TransUnion only and not shown on any other bureau Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only and not shown on any other bureau Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only and not shown on any other bureau which is being inconsistently reported among the national credit bureaus.

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 2025-11-07 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: TX

Complaint narrative:
This erroneous record provides a misleading reflection of my payment habits. Please correct and update my account information.

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 — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-11-07 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: FL

Complaint narrative:
I am filing a formal dispute regarding certain items on my credit report. These accounts were inaccurately reported, and I request a complete investigation under the FCRA. Any unverified or incorrect information should be promptly corrected or removed from my credit file. 

Charged Off 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

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX of XXXX XXXX XXXX I had transferred {$300.00} dollars of eth a cryptocurrency to my Venmo account to access the money quickly. I had never had a problem with Venmo but they have done this to me multiple times where they sell my XXXX but say I cant have my funds for XXXX  days they did that for a {$150.00} transfer and whats strange is after they did that I ended up taking the other half out in transfers of {$20.00} and they had no problem like how dose that make sense they mislead customers and there should be no reason a fully verified account should have to wait from the XXXX till the XXXX especially after the ridiculous high fees they charge and probably just dont want to pay the gains made in XXXX they are greedy and I after I complained now every single transaction I make or get has to go through a XXXX  day wait like what the XXXX is wrong with this company they do what ever they want to people and there hard earned money they never have a problem taking this company is a complete joke managed by greed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my 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 2025-11-07 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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