vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I ( and my family as well ) have been a Bank of America customer since the XXXX. I recently discovered that my checking account has been charged XXXX XXXX monthly maintenance fees since approximately XX/XX/2023. These fees accumulated for nearly XXXX years without my knowledge. 

I did not receive any notifications about the fees because Bank of Americas system retained XXXX outdated and invalid email addresses for my profile ( they also had my occupation set as " XXXX '' even though they are or should be aware I own an online agency ). As a result, none of the monthly fee notices or balance alerts reached me, including when the fees began to accrue. The first email that reached my current address appeared today when a transaction was declined due to insufficient funds. 

The branch refunded only XXXX months of fees and stated they could not escalate the issue further. Phone supervisors also informed me they had no authority to reverse more than XXXX months. 

Because the fees were assessed without effective notice, and because I am a long-term customer, I am requesting a full courtesy reversal of the accumulated maintenance fees. I am asking the CFPB to review this matter and ensure that Bank of America provides an appropriate remedy. 

It is interesting to note that charging {$12.00} a month for no services, emails, paper mails, or bank visits while earning money with my cash is extremely XXXX sided and not even a remotely a fair situation.

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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Hello, I recently pulled my credit report and noticed that there was an account listed with Credence XXXX Resource and I am not familiar with this company. I never purchased anything from Credence XXXX Resource. This has to be a mistake of some sort or identity theft. I am take precautions to assure that this is reported to you, so that this can be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
I sent my boyfriend with my cashapp card to pull money out of the atm for me and the atm never despenced the money and I was still charged for it. This happened on XX/XX/year> at an XXXX ATM inside a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He was requesting to withdraw {$180.00} and the atm never spit out the money out r a receipt or anything. It just bent back to the main screen and spit the card out, but I was still charged {$180.00}. I called XXXX and the XXXX  said to contact my card issuer, which was cash app. I was told to file a dispute, which I did, and was told my multiple cashapp reps that the dispute was completed in my favor and it said completed online but I never received any money. After multiple requests for the refund, I was finally given my money back on XX/XX/year>. I was told that the dispute was completed and that it was a refund, not a provisional credit, but a few days ago it noticed that my account was overdrawn but {$180.00}. I contacted cashapp and they said they sent me the documents that they used to determine no error occurred and that they reversed the dispute after recieving information from XXXX XXXX XXXXXXXX regarding the atm error. They told me multiple times that they sent me the information they used to determine this but I still have not received any documentation aside from a statement showing the amount, the time and the date of the the disputed transaction and that it was reversed. Even today they emailed me stating they were attaching the information but only attached the info I stated already. Today I sent them pictures of the atm I used, which says XXXX XXXX XXXX on it, not boa. I filed an appeal of their decision to deny the dispute after telling me it was completed in my favor and refunding me my money and then taking it back, causing me to overdraft my account. Today was told there is nothing at all they can do to refund my money and that Im basically out of luck and outn {$180.00}. Im going keep requesting the official documents. I even contacted XXXX XXXX XXXX in hopes they could help but they said its an XXXX atm and they dont own it and that I should contact visa and try to get refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Subject : Mishandled Refund, Contradictory Support Responses, and Potential Security Risk Details of the issue : I have been attempting to recover a {$26.00} refund that was sent to my minor sons Cash App account, which he later closed without informing me. I began contacting Cash App support approximately XXXX  months ago. Throughout this period, I have received contradictory and inconsistent responses from Cash App representatives. 

At XXXX point, I was connected with a supposed supervisor who communicated through email and requested the last XXXX digits of my personal debit card. Cash App policy does not require or permit providing debit card details for a sponsor on a minors account, and this request created a significant security concern. 

Additionally, Cash App representatives have told me conflicting information : some said they could not see the email thread, while others claimed they could see it. Despite this contradiction, no resolution or refund has been provided. 

Most recently, Cash App support stated that the case was logged and that there was no further action needed, which effectively closed the complaint without addressing the issue. They also informed me that a supervisor emailed me on XX/XX/year>, but I never received such an email. 

What I want resolved : Immediate investigation into the contradictory responses A review of the unauthorized request for my debit card information Recovery of my {$26.00} refund Assurance that no fraudulent contact occurred through Cash App channels A clear, documented explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WI

Complaint narrative:
XXXXTo Whom It May ConcernXXXXI am writing to formally dispute and demand the immediate removal of the\nfollowing fraudulent accounts and inquiries from my credit report due to identity\ntheft. These accounts were opened without my consent, and I am invoking my rights\nunder the Fair Credit Reporting Act (FCRA) to have these items promptly removed.\nI am also writing to formally notify you that I am a victim of identity theft and request the\nimmediate blocking and deletion of all fraudulent accounts or information related to theXXXXidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach of\nmy personal information through the XXXX  data breach, which has exposed myXXXXsensitive data to unauthorized individuals.XXXXThe following fraudulent accounts and inquiries have been identified as a result of this\nbreach: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 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: OH

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute the following accounts that are inaccurately reported on my Experian credit report. Please review the details below and correct the discrepancies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ) Issued XXXX student loans ( via Mohela ) to a fraudulent student using my identity. This activity was confirmed fraudulent by XXXX and XXXX. To get the XXXX student loans removed from my credit, I was directed to submit an application stating fraudulent loans via Mohela. The application was faxed to Mohela on XX/XX/XXXX with all requested information including police report, address verification, picture id, etc. Received a letter on XXXX that was dated XX/XX/XXXX denying the application due to missing submission of XXXX signatures, despite it not being requested in the application. Emailed Mohela the XXXX signatures while on the phone with them on XXXX told I needed to wait XXXX days for XXXX XXXX XXXX to review and everything has been received. 
On XXXX received another letter from Mohela dated XX/XX/XXXX called to inquire. XXXX with Mohela 's Resolution team said everything was good & wait XXXX days for XXXX XXXX XXXX to review. 
On XX/XX/XXXX received a Mohela letter dated XXXX declining the application due to missing signatures, that were submitted on XXXX. Called and XXXX with Mohela 's XXXX XXXX confirmed she saw the signatures and said it was automated generated letter and everything was good and to wait for 60 days for XXXX XXXX XXXX. 
Fast forward to XX/XX/XXXX called Mohela to inquire due to no communication and XXXX with XXXX XXXX said everything was voided and another application was needed despite seeing all the information submitted. After the application is received, I have to wait another 60 days for it to be reviewed. Meanwhile the account will be marked as Past Due on XX/XX/XXXX despite submitting over XXXX pages of documents proving fraud has occurred. 
Mohela is being allowed to ruin people 's credit and disregard their own processes. The required signatures were submitted on XXXX before the denial letter on XXXX was generated. To be forced back through the application process again even though everything was submitted as requested while Mohela gets to report the account as late, is a significant mishandling of Mohela and their internal controls. XXXX different Mohela staff members confirmed in XXXX everything was ready for the XXXX XXXX XXXX review and now 2 month later it is deemed insufficient and they never sent any communication,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
They are attempting to garnish nongarnishable wages in XXXX XXXX. They are hereby on notice that any attempt to garnish the wages of XXXX benefits when that is my sole income is illegal and they are not lawful to continue that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received an XXXX credit card from the Comenity Capital Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX Another Address is Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX I called the phone number listed for XXXX XXXX. I provided them the credit card number and asked them to cancel the credit card, since I did not apply for it. They refused to comply unless I provided them with the last XXXX digits of my SSN. Since I did not know if this was a scam, I did not provide that information. Please advise what I need to do here. Thanks. 

XXXX XXXX XXXX ( XXXX ) XXXX cell

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: KY

Complaint narrative:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
Experian is reporting my mortgage loan serviced by XXXX XXXX with a history of serious delinquencies that I believe is inaccurate and misleading. On my Experian credit report, the XXXX account is shown as an open, current FHA mortgage with {$0.00} past due, but the two-year payment history also shows XXXX, XXXX, XXXX, and XXXX late payments in late XXXX and early XXXX, including a maximum delinquency of 120 days in XX/XX/XXXX. 

Based on my own records mortgage statements and bank payment history I do not agree that this account was 120 days past due in XX/XX/XXXX, nor that the sequence of XXXX lates for XX/XX/XXXX through XX/XX/XXXX is correct. The reporting is internally inconsistent ( showing the account as current with {$0.00} past due while also showing very serious delinquencies ) and does not match my actual payment history. 

I have disputed this information with Experian multiple times and provided supporting documentation. Experians responses are generic they simply state that the furnisher verified the information and add the remark Subscriber reports dispute resolved consumer disagrees/ CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, but they leave the same late payment history in place and do not provide any documentation showing how it was verified. I have asked Experian and XXXX for a proper reinvestigation and proof of these late payments, but the errors have not been corrected. 

As a result, my Experian credit report shows a mortgage with very serious late payments that I do not believe are accurate, which is harming my credit scores and my ability to qualify for credit and better loan terms.

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 2025-11-21 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: NY

Complaint narrative:
Inaccurate and Unverified Late Payment Reporting by XXXX XXXX XXXX I am submitting this complaint regarding my auto finance account with XXXX XXXX XXXX ( Account Number : [ insert number ] ). This account has been paid in full and satisfied, yet XXXX XXXX XXXX continues to report late payments on my credit report. These reported late payments are incorrect, unverified, and inaccurate. 
I have not received any formal verification or documentation from XXXX XXXX XXXX  substantiating these alleged late payments, despite my prior disputes. This failure to verify violates my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., which requires furnishers and credit reporting agencies to ensure the accuracy of information and to delete unverifiable data. 
Legal Basis : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not provide information that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : When a consumer disputes the accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation and delete the item if it can not be verified. 
CFPB guidance confirms that companies must remove disputed information that can not be verified from consumer reports. [ consumerfinance.gov ] Account is paid and closed, yet XXXX XXXX XXXX reports late payments. 
No verification provided despite dispute requests. 
This inaccurate reporting harms my creditworthiness and violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inaccurate and Unverified Late Payment Reporting by XXXX XXXX XXXX I am submitting this complaint regarding my auto finance account with XXXX XXXX XXXX  ( Account Number : [ insert number ] ). This account has been paid in full and satisfied, yet XXXX XXXX XXXXe continues to report late payments on my credit report. These reported late payments are incorrect, unverified, and inaccurate. 
I have not received any formal verification or documentation from XXXX XXXX XXXX substantiating these alleged late payments, despite my prior disputes. This failure to verify violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires furnishers and credit reporting agencies to ensure the accuracy of information and to delete unverifiable data.

Legal Basis : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not provide information that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : When a consumer disputes the accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation and delete the item if it can not be verified.

CFPB guidance confirms that companies must remove disputed information that can not be verified from consumer reports. [ consumerfinance.gov ] Account is paid and closed, yet XXXX XXXX XXXX reports late payments. 
No verification provided despite dispute requests. 
This inaccurate reporting harms my creditworthiness and violates federal 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 non-monetary relief
Consumer complaint received 2025-11-21 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: AZ

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure 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 2025-11-21 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation