vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
I had made a deal with one of Credence Resource Managements employee to pay a lower amount on a bill that I owed. The agreement was I would pay {$100.00} to close my account. The original payment was for {$190.00}. We had an agreement and I did pay the amount in two payments per agreement. The agreement was made XX/XX/XXXX. Payment made that day was {$52.00}. The 2nd payment of {$52.00} on XX/XX/XXXX. After that my account should've been closed. Now on my credit report there is a {$110.00} still owed. Very confused I called Credence Resource Management. I called on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have the names of 12 people I have talked to. Each time I get the same thing, I owe {$110.00} included in with the {$30.00} payment. I don't even know about the remaining {$86.00}. 
I asked for proof that the money was added and they said they don't have that information they just have the information from what they received from the company. I called the company and they confirmed I have a {$0.00} XXXX balance. They gave me a case number to give to them. I just called and I'm still getting the same thing. That I owe {$110.00}, with {$30.00} included. I made a deal. I had an agreement. Now they tell me that their waiting on the company to confirm the case number I gave them. They also said that my account in desbute, so I'm waiting to be approved for that. I said I shouldn't have to wait. Your ruining my credit. I have to wait on them and their slowly dragging their feet. 
I told them that the recordings are proof that I made an agreement. Proof that I made the agreement. I'm very frustrated. They told me to call back. Really!?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XX/XX/year>, three unauthorized wire transfers totaling {$14000.00} ( {$5000.00} + {$5000.00} + {$4800.00} ) were executed from my Chase business checking account after Chase flagged the activity as suspicious, suspended my online access, and was explicitly notified by me that the transactions were fraudulent.

Same day, I called Chase helpline and told rep I did not authorize the two {$5000.00} wires nor a third {$4800.00} wire I discovered. Rep said dispute letter would mail in 35 days but later that night, I got emails from Chase confirming wires successfully processed.

Violations : Chase detected fraud and suspended access but allowed wires to complete. 
I reported fraud during the call ; no hold was placed. 
Loss of {$14000.00} is irreversible and threatens my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as Equifax instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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 non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I respectfully request that the following inquiries be reviewed for accuracy and proper reporting. If any information can not be verified or if these inquiries were made without my authorization, I request that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 


INQUIRIES XXXX, XX/XX/25 XXXX XXXX, XX/XX/25

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/year>, I processed a {$2000.00} balance transfer through my Barclays Financing Mastercard. Barclays confirmed the transfer was processed that day and would reach my XXXX XXXX  account ( ending in XXXX ) within XXXX business days. As of XX/XX/year>, the funds have not been received. XXXX confirmed no incoming or pending transfers from Barclays. Barclays has posted the {$2000.00} as a debit, making me liable for funds I never received. I contacted Barclays multiple times and was given conflicting information about dates and timelines. On XX/XX/XXXX, Barclays opened XXXX ID XXXX for investigation, again stating I must wait another 710 business days. I am requesting proof of transfer or immediate reversal of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Please look over the attached materials ; these inquiries came without notice and might be invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
I borrowed {$50.00} on XX/XX/XXXX. From cash app with payback in 4 payments of {$13.00}. they have requested repayments and taken money from from my bank 10 times all on XX/XX/XXXX as follows _ {$52.00}, {$51.00}, {$51.00}, {$52.00}, {$52.00}, {$52.00}. {$39.00}, {$26.00}, {$13.00} They are staying I borrowed and paid back {$50.00}. I the same day ten times. They are still saying I still have a balance of {$52.00} as of XX/XX/XXXX with late fees. The XXXX XXXX  deposits on XXXX when the XXXX falls on Saturday. Refund of {$400.00}. I borrow only {$50.00}. Their system is stuck on repay and borrow. CASH APP B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: KY

Complaint narrative:
Dear TransUnion, I am disputing the following items on my credit report. Please review and investigate the listed accounts for accuracy. 

CHARGED OFF : XXXX XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Amount : {$7600.00} XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Amount : {$3300.00} XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Amount : {$670.00} LATE PAYMENTS : DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 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: Regional Management Corporation
State: AL

Complaint narrative:
I am filing this formal complaint against XXXX REGIONAL FINANCE AL for attempting to collect on and reporting an inaccurate and fraudulent account that is a direct result of identity theft. 

The account in question is : XXXX : XXXX REGIONAL FINANCE AL XXXX Past Due : {$1200.00} This account is NOT MINE. The debt was fraudulently opened and incurred by an identity thief using my personal information without my knowledge or authorization. I never opened this account, nor did I incur or authorize the debt. 

Documentation of Identity Theft This specific fraudulent entry is part of a larger, documented identity theft case. I will be attaching the following evidence to this complaint, which substantiates my claim : Police Report # XXXX ( XXXX Police Department ) FTC Identity Theft Report ( Submitted through IdentityTheft.gov ) Government-issued photo ID ( Drivers License ) Social Security Card Proof of Address ( Utility Bill ) Requested Actions Under FCRA Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( Blocking information resulting from identity theft ) and 611 ( Duties of furnishers of information ), I formally demand that XXXX REGIONAL FINANCE AL immediately take the following actions :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
Complaint Summary : I am reporting an unlawful debt collection attempt by Stillman Law Office, which is attempting to collect additional money on a Delaware judgment that has already been fully satisfied. 

Details : Stillman Law Office ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX ; Phone : XXXX ; Website XXXX XXXX XXXX obtained a judgment against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No. XXXX ( XXXX XXXX. XXXX ) on XX/XX/XXXX. The total judgment amount, including post-judgment interest and court costs, was {$16000.00}, as stated in the courts Writ of Garnishment dated XX/XX/XXXX. 

Between XX/XX/XXXX, and XX/XX/XXXX, that full amount of {$16000.00} was paid in full through wage garnishments administered by my employer. These payments satisfied the judgment balance listed in the courts writ. 

However, on XX/XX/XXXX, Stillman Law Office sent me a new collection letter demanding an additional {$1000.00} for alleged post-judgment interest. This demand is not authorized by the court and appears to be an attempt to collect an amount not permitted by law or court order. 

In Delaware, under 10 Del. C. 2301 ( a ), post-judgment interest is fixed by statute, and a creditor can not collect more than what the court awarded without obtaining an amended judgment or court order. Stillman Law has not done so. Their attempt to collect more money beyond the total specified in the writ violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( false or misleading representation ) and 1692f ( 1 ) ( collection of an amount not expressly authorized by law ).

I have also discovered that Stillman Law does not have any attorneys licensed to practice in Delaware, meaning their debt collection activities in this case may also constitute the unauthorized practice of law under Delaware Rule of Professional Conduct 5.5 and 10 Del. C. 361.

I have disputed this debt in writing and requested validation on XX/XX/XXXX. I am requesting that the CFPB investigate this firms conduct for : Attempting to collect an amount not authorized by law ; Misrepresenting the balance due after the judgment was satisfied ; and Potentially engaging in unauthorized legal practice and improper collection activity in Delaware. 

Supporting Documents : I am attaching : The Writ of Garnishment ( dated XX/XX/XXXX ) Proof of payments showing full satisfaction of {$16000.00} The collection letter from Stillman Law dated XX/XX/XXXX My written dispute letter dated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I opened a checking account deposit a reimbursement check via mobile app from XXXX XXXX XXXX... for whatever reason you all closed my account and then held my funds... I called and asked about the account on XX/XX/XXXX was told my account was on hold and would be closed that filling Monday the XXXX I visited my local branch was told account was closed and check was already processed and mailed. Called back after I noticed last direct deposit would still go to that account was reassured that would be returned to my employer. No problem... yesterday still no check called and asked told the account wasn't closed until XXXX... today no check called to track again and was told to just wait it out ... what is really going on not much money but this is theft. I have been waiting since XX/XX/XXXX for funds I don't have access to and you guys won't be honest... I just want my money that is rightfully owed to me asap or im calling attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-05 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief