vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: MA

Complaint narrative:
This account is being reported inaccurately. The balance and delinquency information are both incorrect. The loan was fully paid on XX/XX/year>, but the creditor continues to report it as delinquent. 

I had an outstanding balance on XXXX of {$8900.00} as of XX/XX/year>. On XX/XX/year>, I paid XXXX that full amount. Around that time, my loan was transferred to CRI, who only credited {$8000.00} of my payment and failed to account for the remaining {$940.00}. As a result, CRI is erroneously reporting an unpaid balance and has falsely reported me as delinquent to the credit bureaus. 

I have contacted CRI multiple times by certified mail, email, and phone. Despite providing proof of payment, they have refused to correct their error and continue to extract payments from me under false evidence. 

I have provided bank statements and payment receipts showing the full payment and request that CRI immediately correct its records and notify the credit bureaus to remove the inaccurate delinquency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for unlawfully disclosing and/or selling my personal identifying information and debt account to a third-party collection agency, Credit Management Company, without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

This disclosure included my personal identity and account details, which are protected under federal privacy and credit reporting laws. I did not grant authorization or consent for XXXX XXXX XXXX XXXX XXXX to transfer or sell any account or debt associated with my name, nor to disclose my information to any outside entity for collection purposes. 

Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ), a company may only furnish consumer information for purposes permitted by law and with a valid permissible purpose. Transferring my personal and financial information to a third-party debt collector without my authorization constitutes an unlawful disclosure and violation of my privacy rights. 

I am requesting that the CFPB : 1. Investigate XXXX XXXX XXXX XXXX LLCs actions and determine whether they have violated the FCRA or related consumer protection laws. 
2. Order deletion or removal of any unlawfully transferred or reported debt information.

3. Ensure that my personal information is no longer shared, sold, or used by any third-party entity without my express consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management is falsely claiming I owe a {$610.00} XXXX XXXX debt ( Acct. XXXX ) while never producing the only legally valid proof : the original signed purchase agreement from XXXX XXXX, making their claim unverifiable, illegal, and knowingly false ( CFPB complaints XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> ). They cite FDCPA 1692g ( b ), which requires proper verification of a debt, including evidence of the original obligation if requested, yet their validation letters on XX/XX/year> and XX/XX/year> had no certified mail, tracking, or proof of delivery, and only after XXXX  flagged the account for potential fraud on XX/XX/year> did they attempt to claim the debt may be fraudulent, retroactively contradicting prior statements. By continuing to report this account without proper verification, Trident is knowingly violating FCRA 623 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) and committing FDCPA violations ; I demand CFPB direct Trident to produce the original signed agreement within 10 days or immediately delete the account from all credit reporting agencies and cease all collection activity, and any further reporting should be treated as willful, knowing violations subject to maximum enforcement and statutory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XXXX my boyfriend endorsed and check to me in the amount of {$2500.00} as reimbursement for paying his property taxes and I deposited it. The check was put on hold and eventually cleared on XX/XX/year>, but Chase bank put a freeze on it to verify my exes identity, they said he had to have a phone number registered to him, prepaid and government phones wouldnt work so he wouldve had to pay for a post paid phone. He tried to ask if he could take his ID to them and they said they wasnt enough proof of identity. A few weeks later my account was closed and Chase kept the check along with the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dis
pute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Request to Delete Previous Addresses and Retain Current Address I am writing to request that you delete all previous or incorrect addresses from my credit report and retain only my current and verified address listed below. Having inaccurate or outdated personal information on file may lead to confusion or incorrect reporting of my credit history.

Current Address ( Keep This ) : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Previous / Incorrect Addresses ( Delete These ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Per 15 U.S.C. 1692g is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that outlines a consumer 's right to request validation of a debt. This section mandates that debt collectors provide specific information to consumers and cease collection efforts under certain circumstances. 

I XXXX do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the high balance nor do I recognize the late payments associated with this account. Everything reported here does not meet 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 2025-10-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$730.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi claim:XXXX i reported a fraud from my saving account to bank of america and bank of america is not even disputing the charges! see attached document from bank of america NOT disputing the fraud charges! even after it was reported as fraud and police report.! and was not covered, reimbursed as per the policy and law of a customer is not liable for any fraud transaction and the bank should protect and reimburse also i have the document from the bank and bank of america is not even disputing the transactions reported as fraud! see attach document im with bank of america for 18 years!

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 2025-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
HELOC mortgage loan principal reduction payments, totaling {$5000.00}, had been deposited into my regular share account instead. I immediately called the credit union and spoke with a representative that said he could simply transfer the {$5000.00} from my share account to the loan account. I told him that was fine but I wanted to make sure that the principal reduction payments were applied as of the date I made them, since I was paying almost 7 % on the HELOC and the credit union was only paying me .1 % on the share account. SchoolsFirst FCU has refused to credit the loan payments as of the date made. See attached copy of my correspondence detailing the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


Hard Inquiries : 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
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
There was a transaction on XX/XX/XXXX where XXXX cent was withdrawn from my linked bank account front cash app.Then a traction for XXXX was sent to some weird bank I never even heard of. As soon as my bank sent me the notification, I contact the Cash app and made them aware. They directed me to contact the bank, which I did the bank submitted the case and return the funds but weeks later did a reversal due to them stating that cash app submitted a claim to stating that they didn't investigation and it was a Cousin who the money was sent to. Which was absolutely not true so I contacted the cash app who informed me that they never sent my bank any documentation stating this because it was still an open investigation. I did call the bank again. Who stated that they had documentation from Cash app which cash app was denying to me. I've been going back-and-forth between cash app and my XXXXXXXX XXXX account. Both parties are referring me to the other party, I've spoke to managers in the back office and no one has been able to help me with this situation. I'm not sure what to do with this point. I've been going back-and-forth with both party for weeks and no resolution or evidence to show any claim was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX of this year and old associate of mine requested {$300.00} on cash app I declined the request because I don't owe him any money two days later money hit my account and I sent my fiance some money when I did so it doubled my payment and sent my old acquaintance and my fiance the same amount of money which I did not do I tried to stop it it went through instantly first time ever a transfer has went through instantly they would not let me stop it it would not let me cancel it and I didn't do it to begin with on the records it shows I declined his request two days earlier he only made one request and I denied it two days later when I sent someone else money it took two payments out went to him and one to my fiance when I tried to get it back they told me that there was nothing they could do because it was already completed I'm going to file a lawsuit if this is not resolved I don't have {$300.00} to lose over someone else 's negligence this is not the first time this has happened it's about the 3rd I will be taking legal action if this is not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief