vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I was issued a check from Bank of America in the amount of {$6600.00} on XX/XX/year>. At that time, I was back in XXXX, so I was unable to cash it personally. About XXXX month later, I asked a trusted friend to attempt cashing the check at XXXX XXXX. He informed me that the teller refused, stating that only the account holder could cash the check. 

I did not use or deposit the check afterward. Recently, when I contacted Bank of America to request a reissue, I was told that the check had already been cashed on the same date my friend attempted. This is impossible, as I was not present in the XXXX, and my friend did not successfully cash it. 

I am highly concerned that this check was either fraudulently cashed by someone else or mishandled by the bank. I have contacted Bank of America directly via email but received no response. 

I am requesting a full investigation, including a copy of the front and back of the canceled check, and a resolution so that I can receive the funds that rightfully belong to me. 

I attach a scanned copy of my passport ( showing I was outside the XXXX on the cashing date ) and a short written statement. This is an urgent fraud matter please respond within 5 business days.

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 2025-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX there was a charge for XXXX and XXXX $ i did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: GA

Complaint narrative:
I called the debt Collector claiming that I you owe me {$34.00} XXXX XXXX  and they told me that it was from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I call the debt collector they never gave me a date of service but I told them that I had qualifying Medicare beneficiary and full XXXX benefits When I was living in Washington at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I was contacted by XXXX regarding an account with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a privacy student loan that was acquired back in XX/XX/XXXX througXXXX XXXX XXXX XXXX  I went through a XXXX XXXX XXXXankruptcy from XX/XX/XXXX through XX/XX/XXXX. After the discharge, I received a collections notice from a former collection agency of the XXXX. I paid a settlement back in XXXX or XXXX, which I can not recall. However, I recall paying around {$10000.00} to settle the debt. Now this past Spring XXXX, I received a collections notice from XXXX stating I owe the full amount over {$24000.00}. Not only is the statute of limitations to collect on a debt passed, 6 years in California according to my bankruptcy attorney, but they are also now stating I owe this despite having settled this with the former collections agency. Additionally, I requested evidence that I owe the debt and all they provided me was the original promissory note from XX/XX/XXXX and several other accounting documents that show dates of interest accrual from XXXX through XXXX. There is no mention of the settlement that I paid to be done with this. I am afraid they are going to threaten legal action against me, and use aggressive tactics to get me to give another settlement to be done with them. But what is to say that they will not repeat this again and come after me with a different collection agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I placed a legitimate purchase of approximately {$970.00} in XXXX through my Coinbase account. Immediately afterward, my existing XXXX balance of XXXX XXXX ( {$12000.00} ) was withdrawn to an external address I do not control. I did not authorize this transfer. 

I had two-step verification and security protections enabled at the time. Nevertheless, the transaction appears as completed within Coinbase and is also confirmed on the XXXX XXXX ( XXXX XXXX ). I briefly observed a screen flash showing a much larger balance ( XXXX XXXX ), which disappeared instantly. 

I opened multiple cases with Coinbase ( including escalation Ref. # XXXX ). Instead of investigating, they locked/restricted my account and eventually closed my case, stating the activity came from my own device. I requested transaction logs, IP/device access records, breach disclosures, and restoration of my balance, but Coinbase denied responsibility and refused further review.

I am a retired consumer living on fixed income, and this loss represents critical retirement funds. I have attached a complete complaint package with exhibits ( AN ) showing transaction records, blockchain explorer entries, Coinbase emails, and chat logs for your review.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  do not furnish, report, or transmit consumer information to the credit reporting agencies. In fact, the XXXX XXXX  XXXX has made it clear that they have no role in verifying, validating, or providing data to Equifax, Experian, or TransUnion. Despite this, my credit reports are showing the bankruptcy entry as though it were being reported by a furnisher, which is misleading and inaccurate. Since the courts are not the source of this information, the listing on my credit file is being supplied by a third-party data vendor without permissible purpose or proper validation. This misrepresentation creates the false impression that the courts themselves are furnishing account information, which is a violation of the Fair Credit Reporting Acts accuracy and permissible purpose provisions. 

I have reach out to Experian who verified the account on XX/XX/year> Equifax verified the account to be accurate on XX/XX/year> TransUnion and XXXX XXXX verified the account to be accurate XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Issue : Incorrect credit reporting despite enrollment verification Details : I am currently enrolled in school and provided Nelnet with my enrollment verification letter on [ insert date ]. Despite this, Nelnet continues to report my student loan as delinquent every month, which causes repeated drops in my credit score.

I have contacted Nelnet and requested a correction, but they have failed to update my account status to reflect " in-school '' deferment. This has resulted in inaccurate and damaging information being furnished to all three major credit bureaus ( XXXX XXXX and XXXX  ).

Requested Resolution : Immediate correction of my account status to reflect in-school deferment.

Removal of all erroneous delinquency reports from my credit history.

Written confirmation from Nelnet once all corrections have been made.

Impact : My credit score is being harmed monthly due to Nelnets failure to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
Please remove the following Charge off Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} I'm gon na need the following inquiries remove from my file with accordance to FCRA 619 15 U.S.C. 1681q XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them 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 explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp representative, XXXX did not respond when I asked him to please remove my marriage certificate, driver 's license and photo recognition selfie about my legal name change from the Cashapp chat. I mistakenly placed those items in the chat instead of a secure method. Which was provided. However, I asked him to remove/delete the information and he avoided the request. Instead, he replied by asking me to do the survey. Again, I repeated the question and received no response. The chat ended with my request ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I opened a base membership with XXXX XXXX in XXXX and later went into the location to cancel it. At the time of cancellation, I was never told that I owed any balance. Now, in XX/XX/XXXX, I discovered a derogatory account on my credit report for XXXX XXXX in the amount of {$87.00}. This account is listed under Aldous & Associates. I have never, at any point, been contacted by Aldous & Associates regarding this alleged debt or given an opportunity to resolve it. 

This account is over XXXX years old, I was never notified of any balance owed, and no attempts were made to collect it. Its reporting is inaccurate, unfairly damaging my credit score, and I am formally disputing it. I request that this derogatory account be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Klarna AB
State: TX

Complaint narrative:
In XXXX of last year I made a bundled payment to Klarna to pay off my debt to them. Upon that payment being paid off Klarna pulled out over XXXX $ more out of my bank account than what I owed all together. I owed Klarna for my split up payments XXXXsomething dollars and they pulled out XXXX something I dont know the exact amount without pulling it up in the app. The payment went processed and everything since XXXX of last year I have been trying to get the whole amount they owe me returned. They have only sent me half of the mount they owe me and they told me twice that they send my refund for the rest but Ive never recieved it. I even checked with my bank and they said theres no trace of the rest of the refund. They give me the run around every time I call or chat with them about it. Its like a loop of the same information going around and nothing being done to find my refund. I dont think I will ever see my other XXXX $ ever again. I have all the proof of what I have spent and owed and what I paid to them.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
Please remove the following Charge off Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} I'm gon na need the following inquiries remove from my file with accordance to FCRA 619 15 U.S.C. 1681q XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
Please remove the following Charge off Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} I'm gon na need the following inquiries remove from my file with accordance to FCRA 619 15 U.S.C. 1681q XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Synovus Bank
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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

15 U.S. Code 1881i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) to dispute several charge-off accounts appearing on my credit file. After carefully reviewing my report, I have identified the following issues that require immediate correction or deletion : Charge-Off Accounts Over {$600.00} Without IRS Form 1099-C The following accounts are being reported as charge-offs, yet no IRS Form 1099-C has been issued . Under IRS regulations, creditors are required to issue a Form 1099-C if a debt of {$600.00} or more is canceled or forgiven. The absence of this form suggests these debts have not been officially forgiven, making continued reporting misleading and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because no IRS Form 1099-C exists , the reporting of these accounts as charge-offs violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires accurate and verifiable reporting of consumer information. I request that these accounts be either corrected with supporting documentation or permanently deleted from my credit file.

The following account is obsolete and should no longer appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ) and FCRA 605 ( c ), charge-off accounts may only be reported for seven years plus XXXX  days from the date of the first delinquency. This account is beyond the allowable reporting period and must be removed immediately. 
Unauthorized Inquiry Additionally, I am disputing the following inquiry as it was not authorized by me and therefore does not meet the permissible purpose requirements outlined in FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation