vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Bank of America by phone to request a stop payment / merchant block on a merchant called XXXX XXXX. I was explicitly told by the Bank of America representative that the stop payment had been placed and that transactions from this merchant would be stopped on my credit card. 

At no point during that call was I informed that the stop payment would take several days to take effect, nor was I advised of any delay or interim risk. I relied on the banks representation that the stop payment was active and in place. 

XXXX days later, during this undisclosed delay period, transactions totaling approximately {$2400.00} from XXXX XXXX were approved on my account. When I contacted Bank of America again, I was told for the first time that stop payments can take up to XXXX days to become effective. This information was never disclosed during the initial call when the stop payment was requested. 

These charges were authorized only because Bank of America failed to disclose material information regarding the effectiveness timing of the stop payment. Had I been informed that the stop payment was not immediate, I would have taken additional steps to protect my account. 

I am not disputing these charges as unauthorized. Rather, I am filing this complaint due to Bank of Americas failure to properly disclose critical information, which caused me direct financial harm. I am requesting remediation in the form of reimbursement, credit, or other appropriate relief, and a review of Bank of Americas stop payment disclosure practices

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 2025-12-26 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-26 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:
I am reaching out because I have discovered several serious inaccuracies and legal violations within my credit report, and I feel compelled to tell the full story of why these items must be removed. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am exercising those rights now. 
When I reviewed my report, I noticed that my personal information was not being reported correctly. My name has been listed in several inaccurate variations XXXX XXXX, XXXX XXXX XXXX, and XXXX none of which reflect my true legal identity.Under FCRA 607 ( b ), is required to maintain maximum possible accuracy, and reporting false names and addresses violates that obligation. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Taken together, these errors tell a troubling story : my credit report is not being maintained with the accuracy and fairness required by law. The FCRA and FDCPA were designed to protect consumers like me from exactly this type of situation. Under FCRA 611, I have the right to dispute inaccurate information and require reinvestigation within 30 days. If they fails to comply, it will constitute willful noncompliance under FCRA 616 and 617, which subjects to civil liability.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened my Chase XXXX XXXX Credit Card in XX/XX/2024 with an initial limit of approximately {$6000.00}. 

My credit limit was increased from approximately {$6000.00} to its present limit of {$24000.00} without my clear knowledge or informed consent. I was not aware that my limit was increased, and this contributed to severe financial hardship. They did this without my input. I never updated my income or otherwise indicated that I would be capable of repaying a limit this high, given my current financial situation.

See evidence below of my statements and the complete lack of any notification of the increase.

I am unable to repay the amount they are asking for as I did not realize I had exceeded my {$6000.00} limit until now. I have called the company ( today ), cancelled the card, and informed the representative of my situation. I am still waiting to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-26 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DailyPay, Inc
State: TX

Complaint narrative:
DailyPay doesnt follow funds availability policies that are regulations. Now Im being paid a day late and the associates give NO XXXX! Im glad Im a XXXX worker and cant receive my check on Christmas when they were supposed to give me my money. This company and bank is a XXXX joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have a XXXX XXXX protection plan with ID restoration. My account has a legal department ID restoration fraud with my account agent suspicious log in XXXX  XXXX  breach attack. I have a specialist looking to update a retainer agreement for a notification of dispute with a data breach cyber extortion liability claim with my account data solutions agreement. My bank account was not reinstated on my account with the credit report. I have a business theft of my XXXX affidavit log in ID restoration claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am reporting unauthorized transactions on my XXXX prepaid card account. I did not authorize these transactions, did not share my card, PIN, or login credentials, and did not benefit from the charges. I no longer have possession of the physical card. 

I reported the unauthorized transactions to XXXX promptly after discovering them. XXXX later denied my dispute without providing a detailed explanation of how the transactions were determined to be authorized. 

I appealed the denial exactly as instructed and requested supervisor review and a written explanation of the investigation under Regulation E. XXXX acknowledged my appeal and assigned case number XXXX, but did not provide a substantive written response by the 10th business day. 

As of now, XXXX has not provided a written explanation of the investigation, the evidence relied upon, or confirmation of provisional credit or extended investigation as required under Regulation E. I am seeking regulatory assistance to ensure compliance and proper resolution of the unauthorized transactions.

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 2025-12-26 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:
b'I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties.\n\nFRAUDULENT ACCOUNTSXXXX XXXX XXXX XXXX  Date Opened: XXXX XXXX XXXX XXXX  Date Opened: XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX XXXX XXXX  - Date Opened: XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX XXXX XXXX XXXX  -- Balance: $XXXX - Date Opened: XXXX XXXX XXXX XXXX XXXX Balance: $XXXX - Date Opened: XXXX XXXX XXXX XXXX XXXX  Balance: $XXXX - Date Opened: XXXXUNAUTHORIZED INQUIRIES: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 explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am submitting this XXXX formal follow-up to demand the immediate and permanent removal of multiple charge-off accounts currently reported on my credit file across Experian, Equifax, and TransUnion XXXX Despite prior disputes and repeated follow-ups, these accounts remain inaccurately reported, unverifiable, and in several cases lack proper documentation, including the issuance of a 1099-C for debts over {$600.00}, as required by federal law. The continued reporting of these items is misleading, harmful, and constitutes a violation of federal statutes that govern accurate credit reporting and verification. 
Specifically, the account XXXX XXXX XXXX with a reported balance of {$21000.00}, reported on Experian and TransUnion, has been inaccurately reported as a charged-off account without proper verification or issuance of a 1099-C for the debt above {$600.00}, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Similarly, XXXX  XXXX with a balance of {$5900.00}, reported on Experian, Equifax, and TransUnion, and XXXX XXXX with a balance of {$2800.00}, reported on all three bureaus, are also being reported inaccurately as charged-off accounts without proper documentation, which violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, XXXX  XXXX XXXX XXXX accounts with balances of {$6000.00}, {$11000.00}, and {$940.00}, reported on Experian and TransUnion, and XXXX XXXX  XXXX XXXX with a balance of {$4500.00}, reported on Experian, Equifax, and TransUnion, continue to appear as charged-off accounts without proper verification. These accounts are also in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as they remain on my credit report despite lacking sufficient documentation to prove their accuracy. 
The repeated presence of these inaccurate charge-off accounts has caused significant and ongoing harm to my creditworthiness, limiting my access to financial opportunities, and creating a misleading impression of my financial standing. The absence of proper verification and required 1099-C issuance underscores that these items are unverifiable and must be permanently removed from my credit file. This request is not for correction, clarification, or adjustment ; it is strictly for complete removal of all disputed charge-off accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 submitting this XXXX formal follow-up to demand the immediate and permanent removal of multiple charge-off accounts currently reported on my credit file across Experian, Equifax, and TransUnion XXXX Despite prior disputes and repeated follow-ups, these accounts remain inaccurately reported, unverifiable, and in several cases lack proper documentation, including the issuance of a 1099-C for debts over {$600.00}, as required by federal law. The continued reporting of these items is misleading, harmful, and constitutes a violation of federal statutes that govern accurate credit reporting and verification. 
Specifically, the account XXXX XXXX XXXX with a reported balance of {$21000.00}, reported on Experian and TransUnion, has been inaccurately reported as a charged-off account without proper verification or issuance of a 1099-C for the debt above {$600.00}, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Similarly, XXXX  XXXX with a balance of {$5900.00}, reported on Experian, Equifax, and TransUnion, and XXXX XXXX with a balance of {$2800.00}, reported on all three bureaus, are also being reported inaccurately as charged-off accounts without proper documentation, which violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, XXXX  XXXX XXXX XXXX accounts with balances of {$6000.00}, {$11000.00}, and {$940.00}, reported on Experian and TransUnion, and XXXX XXXX  XXXX XXXX with a balance of {$4500.00}, reported on Experian, Equifax, and TransUnion, continue to appear as charged-off accounts without proper verification. These accounts are also in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as they remain on my credit report despite lacking sufficient documentation to prove their accuracy. 
The repeated presence of these inaccurate charge-off accounts has caused significant and ongoing harm to my creditworthiness, limiting my access to financial opportunities, and creating a misleading impression of my financial standing. The absence of proper verification and required 1099-C issuance underscores that these items are unverifiable and must be permanently removed from my credit file. This request is not for correction, clarification, or adjustment ; it is strictly for complete removal of all disputed charge-off accounts.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Date : XX/XX/year> To : RADIUS GLOBAL SOLUTION XXXX From : XXXX XXXX XXXX XXXX XXXX Ct XXXX, FL XXXX XXXX RE : Cease and Desist Demand This letter serves as a formal demand that you immediately cease and desist from the following actions : On multiple occasions you have engaged in unwanted and repeated contact with me, including but not limited to phone calls, text messages, emails. This contact has occurred without my consent and despite no encouragement or response from me. 

Your actions are unwelcome, inappropriate, and unlawful, and they have caused distress and disruption. You are hereby directed to stop all such conduct immediately, including but not limited to : Any further contact with me directly or indirectly Any continued harassment, threats, or intimidation Any false or damaging statements made verbally, in writing, or online Failure to comply with this demand XXXX result in legal action, including but not limited to seeking injunctive relief, filing a police report, and pursuing all available civil remedies under applicable law, without further notice. 

This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 

Govern yourself accordingly. 

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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I selected to do an instant withdrawal from cash app in the amount of {$100.00} to my XXXX XXXX account. Any other time I have requested I withdraw to my account it goes through no problem. But for some reason this time it did not. Cash app only shows on their end as if the withdrawal had been sent to XXXX XXXX. They have provided what they call a transaction ID number which is actually no good to XXXX XXXX. Cash app claims that they need to do research on their end and that it's their problem that I haven't received the money yet. XXXX XXXX and they're legal department agree and have told me that the burden of proof falls on cash after show that not just money was sent that it was actually received and cleared through XXXX XXXX because XXXX XXXX doesn't have any activity not even pending or anything for the transaction that cash app claims that they fulfilled. Ever reached out to customer service numerous times and they keep sending me through the same repetitive XXXX over and over and over again and they also claim they are opening up cases for me and doing an investigation and they're just running me around in circles. They refuse to give me any other further information that I'm asking for they just keep repeating themselves because I'm sure it's an automated but doing the chat. I requested that someone from cash app call me on the phone and I asked permission for them to allow me to do a three-way call with them to XXXX XXXX to speak to a banker regarding this transaction they were very hesitant at first but I finally made the three-way call. Once XXXX XXXX got on the line and said that the call may be recorded the cash app representative got very nervous and stopped the conversation said well I can't allow us to be recorded I'm sorry I can't go any further and he hung up and disconnected the call. Nobody at Cash app has even tried to assist. I have recorded the chat conversations with my phone screen recorder and you can see where they have said yes it's definitely their responsibility to provide this information yet nobody can and I want to know why not. I want to know where my money is and I want it back. They have told me that it's not in their hands anymore. And I'm prepared to go full civil lawsuit with this if I have to and recover any legal fees back from them in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require 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 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I called several times to follow up on a bonus {$750.00} for opening savings account with E-trade. Called on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>. I never received any call back or update on when I will be getting the bonus, I should have received it around XXXX, they confirmed my eligibility. 
They said all calls are recorded. I asked that they send me an email or recording of the call or anything that indicates we had this conversation but they refuse.

Company response to consumer: Closed with monetary relief