vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XXXX LVNV Funding LLC [ LVNVs Address from their letter or credit report ] Re : Request for Debt Validation Account # [ Insert Account Number ] To Whom It May Concern, I am writing in response to your collection activity regarding the account referenced above. This is not a refusal to pay, but a notice that your claim is disputed, and I am requesting validation of the debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Proof that I am the correct party legally obligated to pay the alleged debt.

2. The name and address of the original creditor, and documentation showing your companys right to collect on this account.

3. An itemized accounting of the alleged debt, including the original balance, any interest, fees, or other charges added.

4. A copy of any judgment ( if applicable ).

5. Verification that your company is licensed to collect in my state, and provide your license number.

Until you provide this information, you must cease all collection activity regarding this account, including reporting to credit bureaus. Be advised that failure to properly validate this debt, yet continuing collection efforts, constitutes a violation of the FDCPA. 

I request that all communications be in writing only. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: HI

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I paid my XXXX XXXX XXXX in Wisconsin XXXX hotel in full on XX/XX/year> using my Chase debit card. The charge was posted, and I received a receipt from the hotel. Days later, without any notification or visible record in my Chase account, the funds were returned and then rechargedoverdrawing my account. I was never informed of a delay, reversal, or pending hold. This is causing overdraft fees and has made me unable to pay my mortgage. Chase failed to notify me, provide transaction transparency, or allow me to manage this charge. Im requesting an immediate reversal of fees and formal correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has now repeatedly withdrawn VA and SSDI benefits from my personal savings account to satisfy an old business debt despite having already admitted these funds are federally protected and refunding them once before. 

About a month ago, they drained my account for this same debt. I filed a CFPB complaint, and the banks compliance team eventually refunded the full amount, acknowledging the error. I was assured it wouldnt happen again. However, they have now done it again : my entire savings account was drained, and all recent VA and SSDI deposits were taken. I had no warning and no opportunity to move the funds. 

This appears to be a pattern of behavior rather than a one-off mistake. I rely on these benefits for my basic needs. There was no court order, no judgment, and no authorization to seize protected funds. This conduct violates consumer protection laws and possibly veterans benefit statutes.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The listed entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no effective steps have been taken. Despite submitting all required documentation and following up multiple times, the errors remain unresolved. This ongoing situation has caused significant financial strain and negatively impacted my well-being. The process of addressing these inaccuracies has been both frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial activity, including the timely correction of outdated or incorrect information. I am requesting that you take immediate steps to correct or remove the erroneous late payment entries. Continued inaction would constitute a violation of my rights under federal law. 
I expect a prompt and thorough resolution to this matter. Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ME XXXX XX/XX/XXXX US Bank XXXX XXXX XXXX XXXX, MN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied online for a Business Checking account at US Bank ( the Bank ) in response to an oer to receive a {$900.00} bonus. My application was approved and all terms of the promotion were met. 
Upon contacting the bank, I was informed that I had not met the terms of the promotion because only 4 or the 5 required transactions were made. I provided evidence that a total of 11 transactions posted, which qualifies me for the bonus. The Bank, by and through Customer Assurance agent XXXX, denied my request for payment on XX/XX/XXXX. 
Please pay the advertised bonus of {$900.00} immediately. 
Otherwise, this matter will proceed to arbitration with all costs and fees taxed to the Bank. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: AdvantageFirst Lending Inc.
State: FL

Complaint narrative:
I am filing this complaint against Advantage First Lending regarding their unfair and deceptive practices related to appraisal fees. 

I was charged {$600.00} for an appraisal when applying for a loan with Advantage First Lending. Later, I chose to move forward with another lender. When I requested that the appraisal be released ( which I paid for in full ), Advantage First Lending refused to release it, claiming I had a {$100.00} balance due. 

This is unacceptable and feels like a deliberate tactic to trap consumers. Everyone in the industry knows that once an appraisal is paid for, it belongs to the borrower, not the lender. Holding an appraisal XXXX over an alleged small balance is nothing short of a scam. 

I am demanding : The immediate release of my appraisal report. 

A full explanation and accounting of why they claim I owe an additional {$100.00} after already paying {$600.00} upfront. 

A reimbursement of the extra {$100.00} I paid to get them to release the appraisal, so I didn't miss out on my refinance with XXXX XXXX who they refused to release it to. 

Investigation into Advantage First Lendings practices, as they appear designed to take advantage of borrowers. 

I strongly believe this is a predatory and deceptive business practice that needs to be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SC

Complaint narrative:
our ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am a documented victim of identity theft and have extended fraud alerts on file with both TransUnion and XXXX as of XX/XX/year>. Despite these alerts, multiple accounts have been fraudulently opened or modified without my authorization and continue to report negatively on my credit profile. 

Several accountsincluding but not limited to XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  reporting as charge-offs or collections, with inflated balances and no substantiated proof of authorization. These entries do not belong to me and were either opened or tampered with during the timeframe of active fraud alerts. 

I have not received proper documentation, validation of debts, or copies of signed agreements from the furnishers. In many cases, adverse reporting was allowed to continue even after disputes and fraud reports were submitted. This appears to be a clear violation of my rights under FCRA 1681c-2, which mandates blocking of fraudulent accounts upon submission of an identity theft claim. 

I am requesting that the credit bureaus and data furnishers : Permanently remove and block the identified fraudulent accounts, Refrain from any future re-reporting of these tradelines without direct authorization and identity verification, Provide full records of investigations conducted regarding these disputes, Be held accountable for failure to comply with FCRA protections after receiving notice of identity theft. 

I have submitted formal disputes, and my fraud alerts remain active. Please investigate and enforce appropriate remedial action.

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 2025-08-19 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I am a documented victim of identity theft and have extended fraud alerts on file with both XXXX and XXXX as of XX/XX/year>. Despite these alerts, multiple accounts have been fraudulently opened or modified without my authorization and continue to report negatively on my credit profile. 

Several accountsincluding but not limited to XXXXXXXX XXXX  ( original creditor XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX reporting as charge-offs or collections, with inflated balances and no substantiated proof of authorization. These entries do not belong to me and were either opened or tampered with during the timeframe of active fraud alerts. 

I have not received proper documentation, validation of debts, or copies of signed agreements from the furnishers. In many cases, adverse reporting was allowed to continue even after disputes and fraud reports were submitted. This appears to be a clear violation of my rights under FCRA 1681c-2, which mandates blocking of fraudulent accounts upon submission of an identity theft claim. 

I am requesting that the credit bureaus and data furnishers : Permanently remove and block the identified fraudulent accounts, Refrain from any future re-reporting of these tradelines without direct authorization and identity verification, Provide full records of investigations conducted regarding these disputes, Be held accountable for failure to comply with FCRA protections after receiving notice of identity theft. 

I have submitted formal disputes, and my fraud alerts remain active. Please investigate and enforce appropriate remedial action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.

Complaint narrative:
Consolidated Timeline Cash App Funds Complaint ( XX/XX/year> ) XX/XX/year> Initial Call ( after 34 minutes on hold ) Rep stated : Your card is suspended, not closed. The account is under review for possible fraudulent activity.

Rep said review could take weeks.

Rep said I would only be contacted through email.

When I asked for a supervisor, I was told : The only way a supervisor could contact you is through email.

I responded : That is not acceptable. I need to speak to a supervisor. 


XX/XX/year> Complaint Filed Case number XXXX issued. 

Reps wording : If I dont hear back, I will assume you recognize and understand the resolution. 

I rejected this and asked for escalation. 


XX/XX/year> Escalation Requested Rep confirmed escalation per your request.

Promised : A manager will be in touch via email as soon as possible.

Asked for my best email.

I provided it and requested the case remain open until resolved. 


XX/XX/year> Escalation Confirmation New case number XXXX issued. 

Reps wording : Weve escalated your case XXXX, and our team is actively reviewing it and working hard to resolve your issue. 

At this point, I had two active cases : XXXX ( manager request ) and XXXX ( appeal case ). 


XX/XX/year> Further Responses Rep repeated : If you have any more details or questions, let me know your satisfaction is our priority. No resolution provided. 

Rep stated : Your case has been forwarded to the right team. I can not provide an update or expedite the process. All communication will now be by email.

Final statement from Cash App : I completely understand you would like to know the specific reason why your account was closed, however, for security reasons I can not share more information with you. Please review the terms and conditions to understand the reasons why an account may be closed. 


Contradictions Noted : Reps alternated between saying the account was suspended and closed. 

No specific reason for suspension/closure provided.

No concrete timeline given ( only weeks ).

Escalations promised, but no manager ever contacted me.

Funds remain frozen and inaccessible. 



-- - Summary for CFPB Cash App has withheld my funds indefinitely under the justification of fraudulent activity review. Despite multiple case numbers, escalations, and repeated requests, I have not been given : 1. A specific explanation of why my account was closed/suspended.

2. A clear and concrete timeline for resolution.

3. Access to my funds. 



This has left me without money I rely on for daily living. The company is not providing transparency or a path to resolution, only repeating scripted responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This complaint relates to CFPB case # [ XXXX ], which was closed without resolution. 
On XX/XX/XXXX, PNC charged me a {$36.00} overdraft fee for a {$310.00} debit card transaction. 
I requested confirmation of my available balance at the moment of authorization. PNC has never provided this, only citing beginning-of-day balances ( which do not reflect real-time authorization ). 
PNC claims I opted into overdraft coverage on or around XX/XX/XXXX, but has not provided proof of my affirmative consent ( signature, electronic confirmation, or verifiable record ). 
Under Regulation E ( 12 CFR 1005.17 ), a financial institution may not assess overdraft fees on one-time debit card transactions without explicit opt-in. 
PNCs response included irrelevant information about a different dispute and failed to provide documentation specific to this overdraft fee. 
I believe this fee was improperly assessed and request that PNC either : Provide verifiable proof of my affirmative opt-in, OR Refund the overdraft fee. 

Requested Resolution : Reverse the {$36.00} overdraft fee ( and any related charges ) unless PNC can produce verifiable proof of my consent to overdraft coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
The FDCPA protects consumers from abusive, deceptive, and unfair debt collection practices by third-party debt collectors. 

Failure to Verify Disputed Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) I have reason to believe that the information being reported is either incomplete or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted from my credit report. I am formally requesting that this account be removed as it can not be verified accurate.. 

HFS has failed to verify and take my dispute into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have applied for a line of credit from Wells Fargo. My current credit rating is well over XXXX based on the reports I have pulled from XXXX XXXX XXXX XXXX. However, the letter they sent me stated that my credit was denied due to " Unable to authenticate identity of applicant. '' I have spoken to a variety of representatives at Wells Fargo, and none of them can tell me why they can not authenticate my identity. All of the contact information they received on my application matches what is on record at XXXX XXXX XXXX XXXX. I need help in determining exactly what this issue is in order to resolve it.

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