vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am entitled to compensation of {$11000.00} in compensation through the Bank of America XXXX program for financial harm I suffered XX/XX/XXXX to XX/XX/XXXX. I provided evidence showing that I was facing eviction from my home, and this money was meant to help me recover and avoid further hardship. However, Bank of America closed my account, preventing me from accessing the funds, and now they are refusing to release the compensation that I am rightfully owed. This has left me in an even more severe financial situation, and I am urgently requesting that the full {$11000.00} be released in 4 days to me without further delay.

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 2025-09-04 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: NC

Complaint narrative:
I am a victim of identity theft. Checked my credit today and see alot of fraudulent accounts that werent opened by me. I have never gave anyone permission or authorization to open these accounts in my name. Inquiries are 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 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Canceled XXXX XXXX on XX/XX/2025. Received e-mail confirmation of phone cancellation on XX/XX/2025 from XXXX. Paid outstanding bill and received e-mail confirmation of payment on XX/XX/2025 from XXXX. Received an e-mail from XXXX later in the day XX/XX/2025 confirming the cancellation of my phone. Odd because I had been with XXXX a month already. Received an invoice from XXXX on XX/XX/2025 for the period XXXX XXXX XXXX. I called XXXX mobile customer service and was assured my account was paid in full and that they knew I cancelled on XX/XX/2025. In XXXX and early XXXX I started getting texts, phone calls and letters from Credence. I called Credence and was told XXXX " sold '' my debt to Credence and I now needed to pay them. I told them I had called XXXX and that it was a mistake. They said I talked to the wrong department at XXXX and I owed them money. I called XXXX and tried to resolve online with no success. After 3 visits to my local XXXX store they connected me with a higher level customer service. XXXX has a record of my call and assurance I didn't owe any more money but they now say they have no record of my XX/XX/2025 cancellation. I showed them the e-mail from XXXX proving the cancellation. They said take it up with Credence. They can not do anything once it goes to collection. I have a letter outlining all of this with attachments which I sent Certified Mail to XXXX and Credence. I'm stuck between two companies unwilling to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I sent the Dave App ( Dave , Inc. ) a revoked authorization notice instructing them to stop debiting my bank account. Dave acknowledged receipt of my notice but stated that my revocation does not apply to their ExtraCash advances because they consider these not to be recurring drafts.

Dave also claimed they are not required to comply with Regulation E. This is incorrect. Under the Electronic Fund Transfer Act ( EFTA ), Regulation E ( 12 CFR Part 1005 ), consumers are protected from unauthorized electronic fund transfers, whether they are one-time or recurring.

Despite my revoke authorization notice, Dave continues to assert that they will continue to debit my account. This disregards my rights under federal law and exposes me to unauthorized withdrawals. 

I will be attaching proof of the notice being sent and the response I received. I do have additional documentation that can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
I am writing to formally dispute the inclusion of what appears to be an alleged medical debt reporting on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and recent changes to credit reporting guidelines that impact medical debt reporting.

Upon reviewing my credit report, I found the following medical debt item that I believe is being reported in violation of current federal guidelines : Creditor Name : Transfinancial Companies Amount : {$1100.00} Date Reported : XX/XX/XXXX Grounds for Dispute : As of XX/XX/XXXX, the three major credit bureausXXXX XXXX XXXX XXXXagreed to no longer include paid medical debt on consumer credit reports. If this debt has been paid in full, it must be removed. 
As of XX/XX/XXXX, the credit bureaus began excluding all medical collections under {$500.00}, per the updated National Consumer Assistance Plan ( NCAP ) and CFPB guidance. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information must not be reported. If this debt falls under the exclusions above, or is not properly validated, it is not eligible to remain on my credit report. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized that medical debt often does not accurately reflect a consumers creditworthiness due to billing errors and insurance disputes. The continued reporting of invalid or excluded medical debt could constitute an unfair practice under the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ). 
I request that you : Investigate this matter under FCRA guidelines ; Provide written verification of the medical debt, including validation of the amount, date, and status ; Remove the account from my credit report if it is inaccurate, unverified, or qualifies under the exclusions outlined above. 
Please complete this investigation within 30 days, as required under 15 U.S.C. 1681i ( a ). If the debt is not removed, I request a detailed explanation and documentation supporting its continued reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my Chase debit card ending in XXXX, there were multiple unauthorized charges by XXXX/BILL between XX/XX/XXXX and XX/XX/XXXX, totaling about {$930.00}. 

I reported this fraud to Chase immediately. The bank refunded only around {$300.00} but refused to return the rest without providing a clear explanation. 

I have been communicating with Chase for over a month, but there has been no resolution. Chase is required under Regulation E ( Electronic Fund Transfers Act ) to reimburse consumers for unauthorized debit card transactions, yet they failed to fulfill this responsibility.

I am requesting CFPBs assistance to require Chase to refund the remaining stolen funds and provide a full explanation of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} I am disputing the collection account reported by your agency. Under FDCPA 809 and FCRA 611, you are required to validate this debt.

Grounds for Dispute : 1. Provide proof of assignment from the original creditor.

2. Provide the original signed agreement.

3. Provide a full itemized accounting of the alleged balance.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am disputing the way BANK OF AMERICA is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, BANK OF AMERICA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2025-09-04 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:
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 identity 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 XXXX 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 XXXX 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 XXXX 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 2025-09-04 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: FL

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
I sent a letter to XXXX regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Management Incorporated
State: OH

Complaint narrative:
They say they are from Capital recovery services. I called the real capital recovery services in XXXX Ohio and they have no debts but informed me that a scammer is using their information. When I asked the guy who called for mailing address and a supervisor he got hostile. He said they were coming to arrest me. He claims it was for a payday loan. I have never taken out a payday loan ever. The guy then hung up on me when I said I was reporting them. They called from XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: TX

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 identity 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 XXXX 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 XXXX 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 XXXX 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To Whom It XXXX Concern, I am responding to your claim that I owe a debt. This letter is being sent in response to your communication added to my credit report with a balance of {$250.00}. This is showing as a collection. I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, please provide the following : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments applied. 
XXXX. Documentation proving that I am legally obligated to pay this debt. 
XXXX. A copy of the agreement that shows I agreed to assume this debt. 
XXXX. Proof that your agency has the legal right to collect on this debt in my state. 

Please be advised that until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit bureau, as required by the FDCPA. 

If you fail to provide proper validation, or if you continue collection efforts without doing so, I will consider this matter closed and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation