vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
This debt with XXXX XXXX  was discharged at the end of my bankruptcy! The judge wrote a letter that said all debt with XXXX XXXX pre bankruptcy and post bankruptcy is discharged because t mobile lied about keeping the account current until my case was closed! I have proof of all this and this collection company has the proof also and still reported this to my credit report! That is false reporting and needs to deleted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I accidentally wrote a check from a closed credit union account and deposited in my Chase account for {$7000.00}. I did not realize they were old checks and i never really write checks anymore. On XX/XX/XXXX i received a notice from chase that the check was from a closed account. Since the credit union i have does not have a branch where i live, I went to the XXXX XXXX branch after I got a cashier 's check, from my credit union for {$10000.00}. They told me my account was on hold and i could not do any transactions. I explained to the bank employee what happened and she called chase offices and told them i wanted to deposit the {$1000.00} cashiers check to fix the situation. she had to override the transaction for the teller and she did. I thought all was fixed and done, until i get a notice that my accounts were closed and chase " will terminate our relationship '' and i am to no longer do business with chase. I went to my local branch in XXXX and explained everything again. For over 1 week they have been trying to reinstate my account and trying to get an explanation as to why they returned the {$10000.00}. Chase requested a letter from my credit union saying the check came from a closed account and i obtained the letter. Neither the local bank or myself were ever given an explanation as to why this has happened. Today i called chase again and after speaking with 2 employees and getting the same answer over and over again. " they don't know why and that they can not give me any information '' i asked to speak to a manager and one by the name of XXXX  ( spelling? ) basically told me that chase has the right to close accounts after an investigation. I told him i wanted a copy of the investigation. He literally hung up on me. I am not a criminal, I am a human being with a lot of stress in my life right now, caring for my ex-husband with XXXX XXXX and yes i made a mistake- but i immediately tried to fix it. Chase will not give me an answer and every time i have called, they have treated me like criminal. In the meantime, my small business checking account has not allowed for renters to send in their payments and for my payments to go out. So i have to quickly go and open accounts somewhere else and clean things up with all my vendors. I can't even sign up to see their information, nor my credit cards. I am incurring charges and very disturbed by the way chase has handled this and treated me. I AM NOT A CRIMINAL. Please help me, I am a XXXX  XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: NV

Complaint narrative:
[ Your Address ] [ City, State, Zip ] [ Date : XX/XX/year> ] Re : Final Dispute of Inaccurate Credit Reporting Discover Card {$4200.00} Sunbit {$1800.00} To Whom It May Concern, This letter serves as my final written dispute regarding the above-referenced accounts being reported under my name. I have already notified you that these accounts are the direct result of a data breach/identity theft, and therefore are fraudulent and unauthorized. 

You are hereby formally demanded to : 1. Immediately delete and permanently remove these accounts and all associated derogatory information from my credit report.

2. Cease and desist from any collection activity related to these accounts.

3. Provide me with written confirmation that these accounts have been deleted in compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 



Failure to comply will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing civil legal action for damages resulting from your continued reporting of fraudulent accounts. 

This is your final opportunity to correct these violations voluntarily. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Mine-Collection US BKPT XXXX -Dismissed-Keep updating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Formal Complaint Capital One Bank Violation of 12 C.F.R. Part 229 ( Expedited Funds Availability Act ) To Whom It May Concern, I am submitting this formal complaint regarding Capital One Bank, N.A. and its unlawful handling of a deposited check, which violates federal banking regulations and my consumer rights. 

I have been a Capital One account holder since XXXX. On XX/XX/XXXX, I deposited a check in the amount of {$11000.00} from XXXX XXXX XXXX into my Capital One account. Immediately, the Capital One mobile application reflected the funds as available. However, when I attempted to use the funds, I was informed that they would not actually be released until XX/XX/XXXX. 

Despite this significant hold, Capital One failed to provide me with any written notice explaining the reason for the hold, as required under 12 C.F.R. Part 229 ( Regulation CC Expedited Funds Availability Act ) : - 12 C.F.R. 229.13 ( e ) ( 2 ) requires financial institutions to notify customers in writing if an exception hold is placed, including the reason for the hold and the date when funds will be made available. 
- Capital One did not provide me with such a notice. 
- Further, showing the funds as available in the mobile application while withholding access constitutes a deceptive and unfair practice in violation of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

This conduct has caused unnecessary hardship, confusion, and directly undermines my trust in Capital One. As a loyal customer of over 18 years, this treatment is unacceptable. 

Requested Actions : 1. Investigate Capital One Banks check hold practices and compliance with Regulation CC ( 12 C.F.R. Part 229 ).

2. Require Capital One to provide me with the legally mandated written explanation for this hold.

3. Direct Capital One to release my funds immediately and ensure future compliance. 
4. Impose corrective actions or penalties if this reflects a systemic violation.

I request a written response from Capital One and the appropriate oversight body regarding this complaint. Please consider this matter urgent, given the amount withheld and the harm caused by the banks noncompliance. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PR

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a detrimental impact on both my personal life and my overall credit health.

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 2025-09-13 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: PR

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a detrimental impact on both my personal life and my overall credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX : [ XXXX XXXX XXXX ] Account Number : XXXX Reported Balance : {$17000.00} Date Reported : XX/XX/scrub>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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company has not shown proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
Originating Business : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX [ XXXX : XXXX ] Original Complaint : On Saturday, XX/XX/XXXX, my family participated in a tea time that's hosted by this business. In total, there were six of us in the party, including one child of less than 10 years. My portion of the payment was for two individuals within the six-party reservation. 
When the tea time concluded, we received our checks, just as one would at a regular restaurant, and my check was for {$80.00}. I provided my card to the server who took it to the point-of-sale system and charged me {$80.00}. She then brought the receipt back to me, and I completed the transaction by signing the receipt. Afterwards, my party and I were wished well and we departed the main event center. 
Following our departure, this business repeatedly harrassed my family over {$17.00}, which they claimed was owed them. They repeatedly called and texted my family over the course of less than an hour. When I was able to return to the business to discuss the issue with them, they were unable to provide a copy of the original check or a copy of the receipt that I had signed, and they insisted that I owed them {$17.00}. The individual I spoke with was condescending, pompous, and outright rude. The entire affair made what was supposed to have been a pleasant family gathering into an terrible experience that has taken more of my time and theirs than what {$17.00} is worth. The amount of time wasted in harrassing my family alone was likely worth more than {$17.00}. 
This complaint is a demand for reimbursement of all costs expended, in total {$97.00}. 
Failure of the business to comply with this demand will result in the charges being reported as fraudulent, since the business could not produce evidence as to the charges they claimed they were owed. The business 's only response was that " I know how our system works ''. I'm sorry, that's unacceptable. I do not own their system, and I feel as though they've targeted me unfairly, treated me with prejudice, and scammed me out of my money. 

Additional Comments : XX/XX/XXXX : XXXX XXXX  has not yet rendered a decision on the disputed transactions that were reported to them. 

XX/XX/XXXX : CashApp denied an appeal to the original dispute submitted, which they denied prior to the appeal submittal. 

XX/XX/XXXX : The Originating Business ( XXXX XXXX ) has not responded to the XXXX  complaint filed against them : Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After learning the value of the promissory note. I thought to Donate XXXX to WELLS FARGO in exchange for bank credit to my existing credit card. This was sent to the CFO of WELLS FARGO and I was contacted by their Executive dept representative That researched my offer and denied my request but kept my donation for WELLS FARGO. I asked them to send my security documents back to me and the reply was We will send you copies. This is not valuable consideration for a long standing consumer of WELLS FARGO. After learning of the predatory Nature of loan process and the non disclosure of the value of the promissory note 12 USC 1813 L1. Banks can not loan from their own stock 12 USC 83. And all debts are a government obligation 18 USC 8.

I am the creator of the obligation by gifting a prommisory note to the banks via blank indorsement and through special indorsement they take pure profit from the Federal reserve discount window.I am aware that banks gain great profit from blank indorsements.

VALUABLE CONSIDERATION was my simple request. And I am certain they would try to make it look like a loan when cash equivalent was gifted to WELLS FARGO.

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 2025-09-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent informati
on from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-13 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent informati
on from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I disputed a collection account related to an alleged XXXX debt through XXXX. This account had been placed by a different collection agency at the time. After the investigation, the dispute was resolved in my favor, and the account was removed from my credit report. 
Since XXXX, multiple collection agencies have tried to collect this same alleged XXXX debt. Each time, I disputed the account both with the credit bureau and directly with the agency. Each case was eventually closed and removed from my report, confirming that the debt was either invalid or uncollectible. 
On or around XX/XX/XXXX, Diversified Adjustment Service began reporting a new collection account for the same alleged debt to XXXX. I have not received any written notice or validation of the debt from Diversified Adjustment Service, despite my prior disputes and despite the fact that other agencies previously closed their cases.

I requested validation under FDCPA Section 809 ( b ), including an itemized statement of the debt, proof of the original creditor, date of last payment, charge-off date, and proof that Diversified has the legal right to collect. To date, I have received no such documentation.

This repeated reporting of an unvalidated debt is causing a XXXX-point drop in my credit score and creates ongoing financial hardship.

Actions Taken : Filed disputes with XXXX  each time a new collection appeared.

Sent debt validation requests to previous collectors.

Received confirmation that earlier accounts were closed and deleted.

Have not received validation from Diversified Adjustment Service.

What I Want : Immediate removal of this inaccurate collection account from all credit reporting agencies.

Written confirmation that the debt is either fully validated with documentation or permanently closed and will not be re-reported by any agency.

Assurance that Diversified Adjustment Service will cease all collection activities unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PR

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a detrimental impact on both my personal life and my overall credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
Attached is a Dispute Report created by Equifax. I'm not sure why all the details of my credit report was included in one Dispute with the bureau and do not understand my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Today a new address was added to my credit that wasnt mine. 

On XX/XX/XXXX yet the same exact address appears on my credit report and once again it doesnt belong to 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: MI

Complaint narrative:
Message to XXXX  Support : I submitted a XXXX XXXX  Withdrawal Over One Day ago from my XXXX  Account to my XXXX XXXX This withdrawal is still showing as " Pending '' inside of my XXXX Account and it is NOT VISIBLE on the XXXX. 

Has the XXXX withdrawal been broadcast to the XXXX network? 
What is the reason for this delay which is intensifying anxiety issue? 
If there is a temporary withdrawal hold exactly when will it be lifted? 

Withdrawal ID : XXXX Transaction ID : XXXX XXXX XXXXXXXX : Ref ID : XXXXXXXX XXXX XXXX Withdrawal Date : XX/XX/year> XXXX, Amount 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