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 — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: WV

Complaint narrative:
On XX/XX/year>, I received multiple Dispute XXXX XXXX XXXX transactions from Current totaling approximately {$150.00} across several small-dollar disputes that Current confirmed I won. These credits were posted to my account at XXXX XXXX XXXX XXXX XXXX 

Immediately after posting, Current removed the funds without any explanation, documentation, or required notice. The money disappeared from my account ledger with no corresponding debit, no reversal transaction, and no explanation. It simply vanished from my balance. 

I did not authorize any reversal. 
I did not receive any provisional credit notice. 
I did not receive any Reg E dispute results. 
I did not receive any written explanation required by 12 CFR 1005.11. 

I requested documentation from Current showing : Why the dispute credits were removed Any investigation notes Any final determination Any reason for taking the money Where the funds went Current provided none of this. Instead, they claimed I paid the credit back even though there is no transaction showing any payment or debit in my statement. The money was added and immediately taken with no trace and no legal reason. 

This has caused financial harm and deprived me of funds Current legally owed after confirming I had won the disputes. The situation remains unresolved, and the company has stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
I was not aware i had an oustanding balance with XXXX university since they make your pay off the XXXX XXXX before they release your degree .they sent the amount to this company https : XXXX who have been texting me, I have not gotten a letter and when I click the website it says this link does not exist and i called the company and requesting a validation of debt letter or email because as far as im aware i did not owe any money it has been over XXXX  days with no response from the debt collection company and they continue to sent me text messages. the reference number they supply in tyhe text message is XXXX.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company 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: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I am submitting this complaint regarding an issue with JPMorgan Chase Bank involving a third-party check that I deposited into my Chase account. 

On XX/XX/year>, I deposited a legitimate third-party check into my Chase Bank account XXXX After depositing the check through the ATM machine, Chase informed me that they no longer accept third-party checks as of XXXX. I was never notified of this policy change before or after I made the deposit. 

The main concerns are : Lack of Notice : Chase implemented a change in check-deposit policy but did not provide any written or verbal notice to me as a customer.

Improper Handling of My Check : Despite refusing to process the check, Chase is also refusing to return the original check to me so I can take it back to the issuer or deposit it elsewhere.

Withholding of Funds/Property : Chase is currently holding a check that belongs to me and will not clear it or return it, leaving me unable to access or negotiate the funds.

Unclear Resolution : Chase provides no timeline or solution for releasing or returning the check, which is causing financial inconvenience and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions on my Chime/XXXXXXXX XXXX  account XXXX 

On Monday, XX/XX/year>, my Chime debit card appears to have been lost or stolen without my knowledge. I did not realize the card was missing until I reviewed my account activity. Chime did not send me * any * alerts or notifications to warn me that multiple high-value transactions were suddenly being made on my account. 

Beginning around XXXXXXXX XXXX that night, an unknown individual used my debit card information to conduct a series of unauthorized transactions. From what I can see in my account history, my card was used through Cash App to send money to multiple people. I did * not * authorize any of these transactions. 

I reported the fraud to Chime on XX/XX/year>, for a total disputed amount of * * {$2900.00} * *. Chime informed me that I would not receive provisional credit until XX/XX/year>. This is beyond the 10-business-day timeframe required under Regulation E for providing provisional credit during an extended investigation.

I am requesting assistance because : * These transactions were unauthorized.

* My card was lost or stolen.

* I received no notifications from Chime while multiple transactions occurred. 
* ChimeXXXXXXXX XXXX is delaying the required provisional credit. I am asking the CFPB to review this issue and requir
e Chime/XXXXXXXX XXXX to follow Regulation E obligations and provide timely resolution and reimbursement for the unauthorized transactions.

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: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both unfair and unlawful.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Require the removal of all disputed accounts within the time periods established by law.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because several items on my credit reports appear to be inaccurate, incomplete, or being reported improperly. I am requesting the CFPBs assistance to have each credit bureau conduct a proper investigation and remove or correct any information that can not be verified according to the Fair Credit Reporting Act ( FCRA ).

1. Charged-Off Accounts XXXX  Account : XXXX Reported DOFD : XX/XX/XXXX Amount : {$180.00} I dispute the accuracy of this account, including the dates and balance. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Amount : {$230.00} XXXX dispute this account in full as potentially inaccurate or not mine. 

2. Hard Inquiries These inquiries were not authorized by me : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please have the furnishers validate permissible purpose or remove them. 

3. Late Payment Reporting XXXX  Account : XXXX I dispute the late payment. I request a full investigation and removal if the furnisher can not provide complete verification.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
* * THIS IS MY SECOND COMPLAINT FILING WITH CFPB AND NO ACTIONS HAS BEEN TAKEN AGAINST VALON MORTGAGE --. RECEIVED NOTICE OF TRANSFER FROM XXXX  XXXX BANK DATED XX/XX/year>. AS OF THIS DATE XX/XX/year> I HAVE NOT RECEIVED ANY WRITTEN PAPERWORK FROM SAID VALON MORTGAGE. IT HAS BEEN WELL OVER THE ALLOWED TIME FRAME ON GOVERMENT GUIDELINES AND PROCEDURES. THEY ARE IN VIOLATION AND SHOULD BE HELD INCOMPLIANCE IN FAILURE AND - OR REFUSAL IN FOLLOWING GOVERMENT RULES, REGULATIONS AND LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC has emailed me continuosly from XXXX to XX/XX/year> about a disputed medical debt, without providing any information to validate the alleged debt. I have responded to each of their letters requesting information however instead of providing this they continue to simply repeat inappropriate/unhelpful information, for example " Investigation Response : The charges on your account are valid and patient is responsiblefor the remaining balance ''.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and found multiple accounts that I do not recognize. Please remove as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am rejecting Credence Resource Managements response. The company has not provided adequate validation of this alleged XXXX XXXX XXXX XXXX debt, despite their claim that validation was properly provided. The validation they sent is incomplete, inaccurate, and does not satisfy FDCPA 809 ( b ) or FCRA 611 investigation standards. 1. XXXX only provided a generic XXXX XXXX XXXX  billnot actual validation. The PDF validation sent ( the bill issued XX/XX/XXXX ) does not contain : A signed contract or agreement with my signature Proof that I opened or authorized the account Proof that I activated eight phone lines and eight financed devices IMEI/serial numbers tied to me Proof of device delivery or acceptance Any itemized detail showing how the {$6500.00} balance was calculated Records showing that the alleged usage belongs to me Any identity verification performed at account opening A bill is not validation. A collector must show how the amount was calculated and provide proof I am legally responsible. XXXX did not do this. 2. XXXX admitted they reported the debt BEFORE providing validation. XXXX states : They reported the debt on XX/XX/XXXX Validation wasnt sent until XX/XX/XXXX This violates FDCPA 809 ( b ) because a collector may not continue collectionincluding credit reportinguntil validation is provided first. 3. XXXX response shows ongoing FCRA violations. XXXX admits the account is in dispute, which means accuracy has not been confirmed. Under FCRA 611 ( b ), if the furnisher can not fully verify accuracy, the debt must be removed from all credit bureaus. XXXX can not verify : The identity of the account holder The legitimacy of the charges The device financing The contract terms The alleged usage Therefore the information can not be reported as accurate. 4. Requested Action I am respectfully requesting that the CFPB require XXXX and XXXX XXXX XXXX to : Provide full validation, including : Original signed contract Device financing agreements Proof of device delivery Usage/activity logs Identity verification at account opening Full itemized statements explaining the balance Remove this account from all credit bureaus if this documentation can not be provided. Cease all collection activity until proper validation is produced. As of now, they have not proven any legal obligation on my part. A copy of an XXXX XXXX XXXX XXXXill is not proof that I opened or used the account. I am requesting continued CFPB investigation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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