vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was supposed to re-home my dog, this person contacted me pretending to be interested and has yet to respond after all of this went down. They mailed me a fake check to purchase my dog for {$4300.00}, I assumed if it was fake they wouldnt accept it but they posted a credit to my account and part of the money was supposed to go to the quote on quote mover agent and they requested that I send the money through Zelle but I could only Zelle them XXXX. The remainder was sent through XXXX. I requested a refund through cash app and included text evidence and proof of the fake check and everything and they denied it and didnt tell me why. I Cashapped the person {$1200.00} and {$500.00}. They mailed me the check from XXXX XXXX. I called the non emergency number and they told me to come to them if cash app denied my claim officially. I sent the money the same day I received the check, zelle held the money and I called my bank the next day and they told me cash app and zelle had to do something about it so they denied my claim. The woman on the phone just told me the they werent liable and wasnt helpful. The person went by XXXX XXXX. Ive called them multiple times and spoken to their representatives which have been unhelpful, I filed a claim with zelle and they havent responded truly, the person banked at XXXX. Zelle hasnt emailed me or called me, it has been over XXXX business days. No update. Zelle has done nothing, allowing scammers to access zelle and not contacting the bank even though they held it for two days is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone in XXXX  with XXXX XXXX stole my money out my account I tried to dispute it XXXX times chime want solve the problem because they said because I had my card with me but I stay in XXXX  never been to no XXXX  period I sent proof for XX/XX/XXXX that I was in XXXX  I order a whole new card so it want happen again but they still denied my claim want my money back I been with them a long time but if you can let scammers take people money and deny them they money back you a bad company Im very XXXX  off this XXXX crazy I have proof I was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Bank of America Funds Availability / Misrepresentation of Check Hold I am submitting this complaint regarding Bank of Americas mishandling of a deposited check, the misinformation provided by bank staff, and the financial hardship this caused.

Before depositing my check, I specifically asked Bank of America staff how long the check would be placed on hold. I was told that once the check was deposited, the hold date would be known and communicated to me. Based on this representation, I deposited the check. This information was false. 

I was led to believe that a partial amount of {$6400.00} would be available on XX/XX/XXXX and the remaining balance of {$50000.00} would be available on XX/XX/XXXX. I was never notified that the funds would not be available on those dates. I only discoveredafter calling Bank of America myselfthat the hold had been extended even longer, without any advance notice or explanation. 

I have been a Bank of America customer for 21 years and entered into financial agreements relying on the XX/XX/XXXX availability date provided to me. Despite explaining this to multiple representatives and advising them of the hardship being caused, no assistance was offered. Bank of America refused to release even {$50.00} for a scheduled doctors appointment on XX/XX/XXXX. 

The banks actions demonstrate : Misrepresentation of funds-availability information Failure to provide timely and accurate notice of extended holds Lack of reasonable accommodation despite documented hardship Unprofessional conduct and lack of empathy As a direct result of this misinformation, I am now facing financial hardship and potential default on obligations that were arranged in good faith. Due to this experience, I am closing my Bank of America account immediately. 

Resolution Requested : 1. A formal explanation for the inaccurate information provided regarding the check hold.

2. An explanation for the failure to notify me of the extended hold.

3. Review of whether Bank of America complied with Regulation CC
( Funds Availability ).

4. Appropriate corrective action for the harm caused by this misinformation.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company XXXX XXXX and XXXX has stated over XXXX days ago that they would remove the account they placed onto my credit report their next reporting period. They made this statement the begining of XX/XX/year> and filed it with the CFPB. Its still being reported on my credit as of today, XX/XX/year>. They have failed to do as promised and have reported this information as still there. This is not only violating my consumer rights that are protected under several laws, but also is also damaging my credit as well as causing extreme emotional distress trying to get this handled in a timely manner. This has cost me time in researching the appropriate laws, replying and waiting for responses. I have no business with this company since they were handed off " a file with my information '' that could not be verified by myself. I could also not verify the other XXXX party they claim to have gotten my information from, therefore, as promised by the company, need this removed immediately and reimbursed for the damages in the same dollar amount they are attempting to collect.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

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 id-entity 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 may 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 Federal 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

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 id-entity 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 may 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 Federal 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have XXXX separate student loans being serviced by MOHELA. XX/XX/XXXX of these are in the repayment period and I make payments on monthly via auto pay. XX/XX/XXXX of the loans have been in administrative forbearance for months. I contacted MOHELA on XX/XX/XXXX and XX/XX/XXXX to question this administrative forbearance and attempt to get it removed. I was unable to add the loans to my auto payment since they were not in repayment. The representatives I spoke to could not give me any info on this administrative forbearance or why it was placed on XX/XX/XXXX of my loans. My online account showed that this administrative forbearance would end XX/XX/XXXX. 

To my shock, I received a cascading delinquency letter from MOHELA on XX/XX/XXXX that my account is over XXXX days past due, that theyve been attempting to reach me, and that theyve been sending billing statements showing this past due amount. 

None of this is true. Ive not been contacted. As of my last payment on XX/XX/XXXX, my account was up to date and paid. Ive not received ANY indication of having any amount past due. 

It seems like the administrative forbearance was retroactively removed, with no warning. Looking at my online account, XXXX of the loans show they are past due from XX/XX/XXXX, the other XXXX say they are past due from XX/XX/XXXX. I also have an alert banner on my account that says Ive missed XXXX payments. 

Ive tried contacting them about this, and have not heard back. In the interim, I paid this past due amount to bring my account current. 

A false reporting of missed payments to the credit bureaus due to MOHELAs servicing error would be detrimental and cause extreme financial harm and distress. 

I am requesting immediate correction of this and assurance that no inaccurate credit reporting occurs or that any such reporting is removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX I TRANSFERRED {$80.00} TO MY DAUGHTER FOR MY PHONE BILL. IT WAS MY FIRST TIME USING XXXX ( SHE SET IT UP FOR ME ) SO I DID NOT RECOGNIZE THE CHARGE ON MY BANK ACCOUNT AND IMMEDIATELY CALLED MY BANK AND DISPUTED IT. I SPOKE WITH MY DAUGHTER THE FOLLOWING DAY AND CALLED THE BANK AND CANCELLED THE DISPUTE THE SAME DAY. I RECEIVED A LETTER ON XX/XX/XXXX STATING THE DISPUTE HAS BEEN CANCELLED HOWEVER, THE FUNDS STILL HAVE NOT BEEN RELEASED TO MY DAUGHTER OR MYSELF. SHE HAS GONE BACK AND FORTH WITH XXXX FOR A MONTH AND A HALF AND THEY ARE STATING THAT CHASE HAS NOT INFORMED THEM THAT THE DISPUTE HAS BEEN CANCELLED EVEN THOUGH THE FUNDS WERE TAKEN FROM MY BANK ACCOUNT AGAIN. WE ARE NOT SURE WHO TO CONTACT AT THIS POINT BECAUSE BOTH COMPANIES KEEP REFERRING US BACK TO EACH OTHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am now requesting proof of the investigation from Dispute # XXXX for XXXX I want the name who you spoke with, the address and the transcript of the conversation that took place. I demand this done in XXXX days if I do not get this within XXXX days, I demand that this go to PAID/NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute the following inquiries appearing on my credit report. I believe they are inaccurate or unauthorized, and I request that they be removed. Please see the details for each bureau : INQUIRIES XXXX XXXX XXXX Date of Inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Complaint Against XXXX Funding Failure to Properly Validate Debt I submitted a formal Debt Validation Request to XXXX Funding on multiple occasions ( at least five attempts ), requesting full validation of an alleged credit card debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested : The original signed contract or agreement bearing my signature Proof of ownership and chain of title showing lawful assignment of the debt A complete payment history from the original creditor Itemization of the alleged balance Proof of legal authority to collect in my state Verification that the amount being reported is accurate XXXX Funding failed to provide any of the required validation. 
Instead, they sent only a generic printout listing alleged missed payments, which does not constitute proper debt validation under federal law. No contract, no assignment documents, no original creditor verification, and no itemized accounting were provided. 

Despite this failure, XXXX XXXX continued reporting the account to credit bureaus, thereby furnishing unverified and inaccurate information. 



XXXX Violations Include ( but are not limited to ) : 15 U.S.C. 1692g ( b ) Failure to properly validate the debt and continuing collection activity 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate or unverified credit information FCRA 602, 604, 611, 623 Failure to ensure maximum possible accuracy and failure to investigate disputes Relief Requested : Immediate deletion of the tradeline from all consumer reporting agencies Cessation of all collection activity Correction of my credit report to reflect accurate information Investigation into XXXX Fundings debt collection and reporting practices I reserve the right to pursue statutory damages, actual damages, and attorneys fees, and to file complaints with the CFPB, FTC, State Attorney General, and consumer reporting agencies for continued non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a bankruptcy that is listed on my Experian credit report that was XXXX in XXXX XXXX XXXX XXXXXXXX XXXX have already removed the bankruptcy from those credit reports, but Experian continues to refuse to remove the information. Their refusal has adversely affected my ability to obtain credit and continues to lower my credit score.

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