vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
deposited {$1500.00} cash into a Santander ATM and the machine accepted the money but never credited it to my account. I immediately filed a dispute and received a case number. 

I called multiple times and was told on my last call that I would definitely receive the funds by today. That information was false. Today I was told there is no update and that I will not receive my money, and that I must wait for a letter in the mail first. 

I was also told conflicting information about the investigation timeline. One representative guaranteed today as the deposit date. Another told me the 10th business day is actually Monday. The bank has given me inconsistent and misleading information. 

It has now been long enough that Santander is required under Regulation E to issue a provisional credit, but they refuse to do so. They also refused to escalate me to the Regulation E department or a supervisor. 

This delay is causing financial hardship and my bills are now late because the ATM took my cash and the bank has not returned it. I need immediate action and the return of my {$1500.00}. 

CASE 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Williams & Fudge, Inc
State: IL

Complaint narrative:
This letter is a formal demand that you immediately cease and desist all communication with me regarding any alleged debt. Under 15 U.S.C. 16

92c ( c ) of the Fair Debt Collection Practices Act, I am exercising my legal right to stop all further contact. Effective upon your receipt of this letter, you are forbidden from contacting me by phone, text, email, mail, or through any third parties, including my workplace. The only permissible communications under federal law are : Notice that you are ending collection efforts ; Notice of specific remedies you may invoke ; or Notice that you intend to invoke a specific remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This letter is a formal demand that you immediately cease and desist all communication with me regarding any alleged debt. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I am exercising my legal right to stop all further contact.

Effective upon your receipt of this letter, you are forbidden from contacting me by phone, text, email, mail, or through any third parties, including my workplace. The only permissible communications under federal law are : Notice that you are ending collection efforts ; Notice of specific remedies you may invoke ; or Notice that you intend to invoke a specific remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Ensure all disputed entries are taken down in accordance with legally mandated timelines.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because XXXX  is reporting a large number of inquiries on my consumer file that I am disputing as fraud. I have had fraudulent activity appear on my credit reports with other credit bureaus, which shows there has been misuse of my personal information. These XXXX  inquiries are consistent with the same type of unauthorized activity, and I did not authorize these companies to access my XXXX  consumer file. 

I attempted to dispute these inquiries directly with XXXX  and clearly stated they were the result of fraud. Despite this, XXXX  refused to remove them and continues to claim they were verified, even though I did not initiate these applications and did not grant any of these companies permission to run a XXXX  inquiry. Under the Fair Credit Reporting Act, XXXX  is required to remove any information that is inaccurate, unverifiable, or the result of fraud. They have failed to do so. 

Below is the full list of inquiries I am disputing as fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XX/XX/XXXX ) These inquiries do not reflect my legitimate activity, and many of them occurred with lenders I have never had any contact with. Several are duplicates, many are from high-risk lending networks that commonly appear in identity-theft cases, and none of them were authorized by me. Their presence on my report is causing financial harm, including denials of credit union membership and other adverse decisions.

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 2025-11-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have three close accounts on my report. One is from capital one which says that I owe them {$78.00} which I already paid them in full. The other two accounts are from the XXXX XXXX XXXX XXXX XXXX XXXX They are showing that they were charged off when both accounts were paid in full in my bankruptcy. One was a line of credit and the other one was a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] XX/XX/year> Bridgecrest Creditor C XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist 15 U.S.C. 1692c ( c ) To Whom It May Concern : This letter is a formal demand that you immediately cease and desist all communication with me regarding any alleged debt. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I am exercising my legal right to stop all further contact.

Effective upon your receipt of this letter, you are forbidden from contacting me by phone, text, email, mail, or through any third parties, including my workplace. The only permissible communications under federal law are : Notice that you are ending collection efforts ; Notice of specific remedies you may invoke ; or Notice that you intend to invoke a specific remedy.

Any contact beyond these limited exceptions will be treated as a willful violation of federal law. I will not hesitate to pursue legal action, including statutory damages and reporting your agency to the CFPB, FTC, and my State Attorney General.

If you need to confirm closure of your file, you may do so only by mail to the address above.

Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I haven't been able to get into my PayPal since XXXX  idk why or what happened my PayPal got hacked an I haven't been in it since fast forward to now I've been getting it payments from my distribution deal I'm a XXXX  an I have a settlement I've filed years ago just pay out to my PayPal an I can not access it I have all screenshots an documentation to provide an backup what I'm saying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: AR

Complaint narrative:
To Whom It May Concern, Pursuant to 15 U.S.C. 1692 ( c ) ( c ), I am formally requesting that you cease and desist all communications with me regarding the alleged debt you have on file. I dispute the validity of this debt and request no further contact unless you can provide full verification.

Please note that failure to honor this request may result in me pursuing further action through the Consumer Financial Protection Bureau ( CFPB ) or other legal channels.

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I found several late payment listings on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be investigated, and if they can not be validated, they should be corrected or deleted.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I found several late payment listings on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be investigated, and if they can not be validated, they should be corrected or deleted.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/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 2025-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Verify that contested accounts are removed in conformity with applicable statutory periods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I called Huntington Bank customer service number ( XXXX ) on Monday on XXXX XXXX and spoke with a rep named XXXX or XXXX in an attempt to close the checking account. The balance on the account was XXXX and made sure to clear the balance to XXXX prior to closing the account. The rep said it will be closed but told me she cant provide me with her agent number as its against the policy nor can provide me with confirmation that I closed the account because there is none. I waited another 2 days and the account is still open. 

By Wednesday, XX/XX/XXXX, I called again and got an option for a calll back at noon in which I did receive the call and again was told by a rep, the account will be closed. Come Thursday, the account remained open. I then decided to call the local office in XXXX NC ( XXXX ) XXXX and was told by the rep she is in front of a customer and will call back in 30 minutes but never got a call back. Now Friday, the account remained open and a monthly cycle reset and has a charge of XXXX XXXX monthly fee putting the account into negative balance of XXXX XXXXXXXX because they failed to close the account repeatedly upon request over and over. 

Do I need to take half a day off to drive an hour to the bank in order to accomplish closing the account? Their website stated there clearly that in order to close the account that it can be done via customer service. Why would closing the account this difficult? Absolutely the worst bank I ever dealt with. Do I need to hire representation in order to close this ccount?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am disputing inaccurate late payment reporting on a closed installment loan account listed on my credit report under the furnisher name XXXX. The account was opened on XX/XX/XXXX, reported closed on XX/XX/XXXX, with a highest balance of {$1000.00} and a current balance of {$0.00}. My credit report shows late payments that are incorrect for XXXX ( a late mark reported near the end of that year ) and for XXXX ( late payments reported for XXXX and XXXX ). This information is inaccurate and does not reflect my true payment history. Under the Fair Credit Reporting Act ( FCRA ) 602, 609, 610, and 611, furnishers are required to report with maximum possible accuracy. I requested verification of these alleged late payments and have not been provided with any documentation proving they are accurate. Because the late payments are unverified, they should not be reported. The ongoing reporting of these inaccurate derogatory marks is harming my credit standing and violates FCRA accuracy standards. I am submitting this complaint to request that the CFPB review the matter and ensure the furnisher corrects or removes the inaccurate information. I agree to allow the CFPB to publish this description so others may learn from my experience.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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