vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management for knowingly reporting inaccurate and unverifiable information on my credit report. The company is attempting to collect an alleged debt in the amount of {$520.00}, opened on XX/XX/2023. I do not recognize this account, nor have they provided any documentation that proves I am legally obligated to pay this debt. 

I have disputed this account with the credit bureaus. Despite my dispute, Credence Resource Management has failed to provide any meaningful response or validation. They have not provided a signed contract or agreement with my wet signature proving that I entered into a legal obligation with them. 

It is illegal for Credence Resource Management to hold, report, or use my personal information without my explicit consent or authorization. Their actions are in direct violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires debt collectors to provide verification of a debt upon request, and the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681s-2 ( b ) ), which prohibits the reporting of inaccurate or unverifiable information. Additionally, under Texas Finance Code 392.101, a debt collector must possess and be able to show proper documentation and proof of assignment before attempting to collect or report a debt. 

By failing to provide such proof, Credence Resource Management is unlawfully damaging my credit standing and mishandling my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Deposited an settlement check I've been waiting XXXX and a half years for it be given a XXXX week hold like I don't have bills to pay then chase bank doesn't want to release it I've called over XXXX Chase XXXX XXXX employees asked to speak to managers nothing and I've had Chase over XXXX yr going on XXXX and a half so I don't get why my money is being held I'm closing my account once I receive funds and going to a credit union my account # is XXXX just for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I called XXXX XXXX XXXX separate times ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requesting my account number, debt validation, and instructions on how to pay the balance. Each time, the representatives refused to provide the information. Twice they promised to email me a form to make payment, but nothing was sent. On my last call, they hung up when I again requested my account number. As of today, I still have not received the legally required written debt validation notice. Without this, I can not verify or resolve the debt. This appears to be a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I made my XXXX payment for my Concora credit XXXX  card ending in XXXX. The {$40.00} payment was taken out with {$44.00} in the checking account. It left {$4.00}. The {$40.00} was put back into the account, but there was no reason on the credit union banks side this occurred.

There was no reason for insufficient funds there was {$4.00} left in the account!!!

I have not made any payments on any of my accounts including destiny account ending in XXXX and more. 

I needed help a little less than a year ago pertaining to the cluster of accounts, and this is getting worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: DISCOVER BANK
State: MS

Complaint narrative:
They removed each positive payment that I made with discover from my credit report. I requested that the fraudulent late payments and negative charge off be removed and they removed everything positive and negative. I need my payment history updated. I only asked for these specific items to be removed not everything. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive attached the previous complain that Ive submitted with the accounts that I asked to be removed highlighted in red. I NEED MY PAYMENT HISTORY ADDED BACK TO MY ACCOUNT EXCEPT FOR XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Formal Complaint Inaccurate Debt Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reports Affected : XXXX  & TransUnion To Whom It May Concern, I am filing this complaint regarding an inaccurate and invalid debt reported by XXXX XXXX XXXX XXXX in connection with XXXX XXXX XXXX ( managed by XXXX ) on my XXXX  and TransUnion credit reports. 

Details of Dispute Creditor / Furnisher : XXXX XXXX XXXX ( via XXXX XXXX XXXX XXXX ) Reported Balance : {$410.00} Reported Date : XX/XX/XXXX Credit Bureaus Affected : XXXX  XXXX TransUnion Original Creditor Contact : Email : XXXX Phone : ( XXXX ) XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis of Complaint Debt Is Invalid and Inaccurately Reported On XX/XX/XXXX, I received written confirmation from XXXXXXXX XXXX XXXX  that my security deposit and an administrative refund of {$350.00} were being processed and sent to my forwarding address. The attached email from XXXX XXXX, Assistant Community Manager, confirms this.

Contradictory Records Despite this confirmation, a {$410.00} collection has been reported to XXXX  and TransUnion by XXXX XXXX XXXX XXXX. This reporting is erroneous, misleading, and damaging to my credit profile.

Violation of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, 15 U.S.C. 1681, furnishers and reporting agencies must ensure the maximum possible accuracy of information. Reporting this collection without proper verification when a refund email clearly invalidates the debt constitutes a failure to comply with the FCRA.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Excessive Overdraft Fees and Refusal of Assistance During Hardship by Fifth Third Bank Complaint : I am filing a complaint against Fifth Third Bank regarding excessive overdraft fees that were charged to my account. These fees were assessed for declined transactions, which I believe is unreasonable and predatory. 

When I contacted the bank to request assistance and relief, I explained that I am experiencing financial hardship. Despite being a customer with Fifth Third Bank and making a good faith effort to resolve the issue, the bank refused to provide any support or reverse the fees. I was told no multiple times, with no consideration given to my circumstances or to the fact that these charges are excessive for declined transactions. 

I feel that Fifth Third Banks practices are unfair, especially given that I sought help in good faith during a time of financial difficulty. Their refusal to provide any assistance has made my hardship worse. 

I respectfully request the CFPBs help in holding Fifth Third Bank accountable for these unfair fees and in assisting me with having these charges reversed. 

Relief Requested : Reversal of the excessive overdraft fees Assurance that the bank will review and adjust its overdraft practices for declined transactions Fair treatment for customers experiencing financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXXXXXX XXXX XXXX XXXXXXXX, opened XXXXXXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent accounts were opened without my knowledge or authorization : XXXXXXXX XXXX XXXX XXXXXXXX, opened XXXXXXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address. 
All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. 
Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. 
This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XX/XX/year>XXXX  XXXX XXXX XXXX they want to garnishment my pay and I have no business with them where is the original contract with the signature

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I dispute the Jefferson Capital Systems account on my XXXX XXXX XXXX XXXX reports. The account shows a {$1700.00} collection from XXXX opened XX/XX/year>. I requested full debt validation and the original purchase agreement proving XXXX XXXX XXXX owns the debt, but they did not provide it. The account is unverified and inaccurate and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account is not reporting accurately, as it reflects two late payments that were, in fact, paid on time. Consumer reporting agencies are required to ensure all information is reported with complete accuracy, and this account has never been late on payments. I have attached a copy of my credit report highlighting the errors for the following dates : XX/XX/year> and XX/XX/year>. I am requesting that you investigate this matter and provide verifiable proof with records showing that these payments were late. If such information can not be verified, I demand that the account be corrected immediately to reflect an on-time payment history. Thank you for your understanding and prompt attention to this matter. 

15 U.S. Code 1681e - Compliance procedures Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been divorced since XXXX. My XXXX was awarded the home at the time of the divorce, XXXX  XXXX XXXX owned the loan. The loan was good then. XXXX Mortgage bought the loan in XXXX time period. So the XXXX  XXXX XXXX loan was closed out with the status of " XXXX XXXX '' and the comments said " Transferred to another XXXX ''. 

Around XXXX during a weather event. XXXX XXXX  altered the loan and now the Comments say " Loan Modified Non Government ''. XXXX XXXX  did not contact me to authorize any modification to this loan. I did not give my permission to do any such thing. I have been remarried and bought another home all before XXXX XXXX  bought this loan from XXXX  XXXX XXXX. So they dont have any dealings with me. I contend they can not produce any documents or calls that I approved this. I have only talked to the XXXX times and that was when the loan was late. My ex-wife manages this loan. I am still the primary on the loan. But I did not authorize this and I want those remarks removed from all XXXX credit bureaus. The Remark in question is, XXXX XXXX XXXX. 

I contacted XXXX Mortgage in XXXX to have this removed and they said it wasn't their comments it was the Credit Bureaus. I contacted Experian and they investigated with XXXX XXXX  and nothing was done. The comments were not removed. 

XX/XX/XXXX, I contacted XXXX XXXX to have the comments removed and they said they only do that through the credit Bureaus. I contacted Experian and filed an investigate. I also did it with XXXX. Experian finished and said the info was accurate. So I'm fiing this complaint to get someone to hold XXXX XXXX  responsible for what they are putting on my credit report. They should be able to show tangible proof where I authorized this loan modification by mail, signature, phone call, email, something. They can not because I never authorized it. This has a real affect on my credit score. I would like to get them to take this off my credit.

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 2025-08-23 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: TX

Complaint narrative:
I have been divorced since XXXX. My XXXX was awarded the home at the time of the divorce, XXXX  XXXX XXXX owned the loan. The loan was good then. XXXX Mortgage bought the loan in XXXX time period. So the XXXX  XXXX XXXX loan was closed out with the status of " Transferred/Closed/Never Late '' and the comments said " Transferred to another Lender ''.

Around XXXX during a weather event. XXXX XXXX  altered the loan and now the Comments say " Loan Modified Non Government ''. XXXX XXXX  did not contact me to authorize any modification to this loan. I did not give my permission to do any such thing. I have been remarried and bought another home all before XXXX XXXX  bought this loan from XXXX  XXXX XXXX. So they dont have any dealings with me. I contend they can not produce any documents or calls that I approved this. I have only talked to the XXXX times and that was when the loan was late. My XXXX manages this loan. I am still the primary on the loan. But I did not authorize this and I want those remarks removed from all 3 credit bureaus. The Remark in question is, Loan Modified Non-government. 

I contacted XXXX XXXX  in XXXX to have this removed and they said it wasn't their comments it was the Credit Bureaus. I contacted XXXX  and they investigated with XXXX Mortgage and nothing was done. The comments were not removed. 

XX/XX/XXXX, I contacted XXXX XXXX  to have the comments removed and they said they only do that through the credit Bureaus. I contacted Experian and filed an investigate. I also did it with Transunion. XXXX  finished and said the info was accurate. So I'm fiing this complaint to get someone to hold XXXX XXXX  responsible for what they are putting on my credit report. They should be able to show tangible proof where I authorized this loan modification by mail, signature, phone call, email, something. They can not because I never authorized it. This has a real affect on my credit score. I would like to get them to take this off my credit.

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 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
Mohela owes me {$450.00}. I was enrolled in the XXXX XXXX XXXX XXXX plan, and I reached my XXXX payment through Mohela on XX/XX/XXXX. All of my student loan payments went to Mohela. At this point, my loans would be technically forgiven, but because there was a large data migration operation happening with Mohela, this forgiveness could not be processed yet and I had to continue to make payments until forgiveness was officiated. I was notified in XX/XX/XXXX that my loans would be forgiven and therefore I did not need to continue to make payments. I suspended payments at the end of XXXX, but at that point had overpaid XXXX months ' worth of payments totalling {$450.00}. I received notification that my loans were processed for forgiveness on XX/XX/XXXX, and the staff person on the phone stated that my refund check for the {$450.00} was mailed to me at that time. I have never received that check. My address was current at all times with both Mohela and the XXXX XXXX XXXX 

I noticed today, XX/XX/XXXX, that the forgiven loans had been removed from my credit report. However, the refund still remains " not received ''. I want Mohela to give me my money back.

Company response to consumer: Untimely response