vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roach & Murtha, P.C.
State: CT

Complaint narrative:
Complainant : XXXX XXXX, former tenant of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Summary of the issue : I am disputing an alleged debt of {$4400.00} claimed by XXXX XXXX XXXX ( also associated with XXXX XXXX  XXXX ) and their collection law firm, Roach & Murtha , P.C . This charge is inaccurate and was added retroactively, after I had already terminated my lease and paid the agreed termination fee. 

Timeline of events : Lease end date : XX/XX/year> ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ). 
XX/XX/year> : Through my attorney, I sent a written termination notice to XXXX XXXX XXXX due to severe water leakage that made the apartment uninhabitable. I vacated the unit accordingly. 
XX/XX/year> : I paid {$250.00} through XXXX as a lease termination fee. This payment was accepted. 
XXXX & XX/XX/year> : No rent charges appeared on XXXX, indicating that the termination was recognized and no further rent was due. 
XX/XX/year> : My XXXX account showed Balance Due : {$0.00}. ( screenshot attached ) XX/XX/year> : After receiving a collection letter from Roach & Murtha, XXXX XXXX XXXX suddenly added a retroactive Residential Rent Adjustment of {$4400.00} for XXXX, XXXX, and XXXX. ( screenshot attached ) Why this is a problem : XXXX XXXX first confirmed that my balance was {$0.00}, then nearly XXXX month later retroactively created a {$4400.00} charge. 
This retroactive billing was only added after a debt collection firm became involved, raising serious concerns of inaccurate and misleading practices. 
The debt collector, Roach & Murtha, is now demanding payment of this disputed and unsubstantiated debt. 
This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and may also constitute unfair or deceptive practices by XXXX XXXX XXXX. 

What I am requesting : That CFPB require XXXX XXXX XXXX and Roach & Murtha , P.C . to immediately cease collection activities regarding this invalid debt. 
That XXXX correct my XXXX account to reflect the true balance of {$0.00}, as confirmed on XX/XX/year>. 
That CFPB review these practices to protect other tenants from similar retroactive and misleading charges. 

Attachments provided : XXXX. XXXX of XXXX statement dated XX/XX/year> showing Balance Due : {$0.00}. 
XXXX. Screenshot of XXXX  update dated XX/XX/year> showing sudden {$4400.00} charge. 
XXXX. Copy of the collection letter from Roach & Murtha. 
XXXX. Copy of my attorneys lease termination letter. 
XXXX. Proof of {$250.00} lease termination fee payment on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two Capital One credit card accounts that have been repeatedly assessed late fees based on the amount of my missed payment, up to a maximum of {$40.00}. These fees violate the Consumer Financial Protection Bureaus XX/XX/XXXX rule, which caps late fees at {$8.00} unless the issuer can demonstrate higher collection costs. Capital One has not provided any such proof. Charging late fees based on the bill amount, up to {$40.00}, is not reasonable, proportional, or lawful. 

I contacted Capital One customer service by phone to dispute these fees, citing the CFPB rule, but they refused to reverse the fees and dismissed my concerns. 

Importantly, on XX/XX/XXXX, I contacted Capital One regarding these fees, and they credited the late fees for both cards. Despite this, Capital One continued to assess the same unlawful fees in subsequent months, demonstrating a pattern of noncompliance. 


Late Fee Summary : Card ending in XXXX Late Fees : XX/XX/XXXX : Payment {$25.00} Late Fee {$25.00} ( exceeds CFPB {$8.00} cap ) XXXX XXXX, XXXX : Payment {$32.00} Late Fee {$32.00} ( exceeds CFPB {$8.00} cap ) XXXX XXXX, XXXX : Payment {$32.00} Late Fee {$32.00} CREDITED XX/XX/XXXX : Payment {$25.00} Late Fee {$25.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$40.00} Late Fee {$40.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$40.00} Late Fee {$40.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$40.00} Late Fee {$40.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$40.00} Late Fee {$40.00} ( exceeds CFPB {$8.00} cap ) Card ending in XXXX Late Fees : XX/XX/XXXX : Payment {$25.00} Late Fee {$25.00} ( exceeds CFPB {$8.00} cap ) XXXX XXXX, XXXX : Payment {$29.00} Late Fee {$29.00} ( exceeds CFPB {$8.00} cap ) XXXX XXXX, XXXX : Payment {$29.00} Late Fee {$29.00} CREDITED XX/XX/XXXX : Payment {$25.00} Late Fee {$25.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$40.00} Late Fee {$40.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$40.00} Late Fee {$40.00} ( exceeds CFPB {$8.00} cap ) XX/XX/XXXX : Payment {$25.00} Late Fee {$25.00} ( exceeds CFPB {$8.00} cap ) I was not able to upload all my statements as you only allow XXXX attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
My loans transferred to MOHELA around late XXXX when I started making payments towards XXXX. Soon after the transfer, I got on the XXXX plan which was then paused by federal injunction. I was placed on administrative forbearance and interest was supposed to be 0 % during that forbearance. I noticed interest continued to accrue on a few of my loans which MOHELA corrected when I called them. I noticed my loan balance increasing in early XXXX and saw that the balance had increased by over {$17000.00} compared to the last statement I had from my last servicer, XXXX. I called MOHELA XXXX or 4 times about this. MOHELA told me a few times that the interest would be removed after the XXXX XXXX debacle was resolved. I found XXXX transactions in my account history dated XX/XX/XXXX showing that {$8500.00} in interest capitalized twice on the same day, adding {$17000.00} to my loan balance. Around XXXX or XX/XX/XXXX, I called MOHELA and explained this should be impossible because the highest interest rate on any of my loans is 7 % and it should be impossible for over {$17000.00} in interest to accrue in XXXX year. Now that MOHELA has clarified that the interest should have been 0 % during the administrative forbearance, I believe that interest should never have accrued. I want to begin paying off my loans in bulk but I can not tell what the true balance is because of this incorrect interest capitalization. The sudden increase in my loan balances also negatively impacted my credit score. I explained all of this to MOHELA and a representative told me my account would be flagged for review. I have not seen any change to my account for months. I have since switched to the XXXX plan to continue making payments but I can't move forward with my plans to pay off my loans until I figure out this interest issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
All the credit bureaus government and TransUnion themselves have been sending letters to me about. Identity theft and fraud. Because I'm going through it. We have put a credit freeze on end up purchased extra insurance for identity. Theft and fraud in case it was to happen to me {$2.00} XXXX policy. Now I'm getting to run around. I don't exist. I can't receive the money from the insurance. And even with the freeze, they allow, and let people request all my information and purchases being made and me personally can't even buy a XXXX XXXX  piece of bubblegum. This is lost my home investments. Call wife is credit bureau.Companies need to do a better job. Also, why does the government and everything claim? And XXXX XXXX XXXX XXXX XXXX XXXX  up investments or banking account information, and all that stuff because it's been idle too long.Well, if it's retirement account and you're not old enough to retire, why does there need to be movement? You wait until you're old enough to retire.Have a lot of issues with that.The government is took him a lot.Because that reason for my time in the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I dispute the presence of unauthorized accounts within my credit file. Please perform a detailed audit and delete them accordingly. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I am disputing several accounts that are being reported on my credit reports by the nationwide credit bureaus ( Experian, Equifax, and TransUnion ). I believe these accounts are inaccurate, unverifiable, or unfairly reported. 

The accounts in question are : XXXX. XXXX  XXXX Account Number : XXXX XXXX : Paid in settlement / charged-off. 
XXXX. XXXX XXXX XXXX XXXX XXXX Loans ) Account Number ( XXXX ) : XXXX ( two separate loans ) Status : Open / Past due. 
XXXX. XXXX XXXX Account Number : XXXX Status : Collection account Balance {$10000.00}. 
XXXX. XXXX Account Number : XXXX XXXX : XXXX account XXXX {$99.00} past due. 

I request an investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of these accounts with each bureau. Please remove or correct any information that is inaccurate, unverifiable, or outdated.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Dear American Express XXXX XXXX, Re : Account Ending in XXXX Request to Settle and Remove from Credit Report ( Pay for Delete ) I am writing once again regarding my account, which I have been actively trying to resolve for the past XXXX months. Despite numerous attempts to contact your company by phone, I have been unable to obtain any clear information or assistance. Each time I call, I am told the account can not be located and that it was sold to a law office. However, no one has been able to provide me with the proper contact details or documentation for the alleged debt. 

Previously, I received an offer of approximately {$2000.00} to settle this account, and I remain willing to move forward with that resolution. Unfortunately, despite my repeated good-faith efforts, I have not been able to reach anyone at your company who can help me finalize this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: DC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs closed my Apple Card XX/XX/year> close to midnight. I received an email from them and in the email, there was only XXXX bullet point with a brief vague reason for the account closure. I owe no balance and Ive always paid my balances in full. I had not even used the card in several months. The only activity were disputes from a disreputable app game I downloaded in the Apple App Store. Goldman Sachs agents encouraged me to reopen disputes and continue to supply evidence of the game and App Stores breach of terms of service, which I did and which also took several days. I contacted Apple Card via Apples text and even called the number listed. Both agents said they were unable to access that information. In a phone call, the agent said they would have a supervisor contact me as soon as possible. No supervisor never did. I asked for the terms of service of the golden sacks, Apple Card, which I did receive. Those were vague as well. They state in one brief sentence that they can close an account for any reason. Suddenly closing a card without so much as an email or call to let me know the reasons for doing so, and whether or not I had extra information they might need, is treating a responsible customer in an opaque and disrespectful way. I asked whether this would be reported to the credit bureaus, and I was told it would be. I further asked whether it would be derogatory, and the agent said they did not know. Beware of Apple Card and Goldman Sachs. I vetted their customer terms of service closely and in one line out of many pages, I found that for whatever reason Goldman Sachs can and will close an account, without notice or attempt to contact the client, and they will not respond to any queries about why. Highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
Despite multiple requests since XXXX, XXXX XXXX has failed to provide documentation to support the reported late payments and charge-off on my closed account. Instead, they continue to update my credit report with negative information without ever supplying validation. This repeated refusal has resulted in housing, auto, and credit card denials. Their claim that they can not remove negative reporting is misleading, since the FCRA does not prohibit voluntary correction.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXTransUnion: XXXX XXXX XXXX, XXXX, PA XXXX Dispute of Inaccurate Reporting under FCRA  XXXX(b) and  XXXXAccount: XXXX XXXX, Acct. XXXXTo Whom It May Concern,\nI am writing to formally dispute the accuracy of the XXXX  XXXX  account reporting on my credit file. After careful review, I have identified several clear inconsistencies and inaccuracies:\nConflicting Balances: XXXX  reports a $XXXX  high balance while TransUnion reports $XXXX. Additionally, both show a $XXXX  balance owed, yet the remarks indicate an unpaid balance charged off. This is contradictory.\nImproper Charge-Off Reporting: XXXX  is reporting continuous CO notations month after month (XXXX XXXX through XXXX XXXX). A charge-off is a one-time accounting event, not a recurring delinquency. This repeated reporting is misleading and unfairly damages my credit profile.\nContradictory Status Information: The account is listed as Closed and Paid, yet simultaneously marked as Collection/Charge-off. These are contradictory statuses.\nDate of Last Activity/Payment Errors:\nThe account closed on XXXX, yet a Last Payment is being reported on XXXX.\nThe Date of Last Activity also differs across bureaus (XXXX vs. XXXX). A closed account cannot continue to show new activity.\nDuplicate Derogatories: XXXX  reflects late payments (30/60/90 days late) and continued CO designations. This results in double-penalization for the same delinquency.\nThese reporting issues violate the Fair Credit Reporting Act, specifically:XXXX XXXX(b): Duty to maintain maximum possible accuracy.XXXX XXXX Requirement to reinvestigate disputed information.\nRequested Resolution\nI respectfully request that the bureaus:\nCorrect the reporting to accurately reflect the account status.\nRemove all duplicate late/CO notations following the charge-off date.\nEnsure consistency across all fields (balance, dates, and status).\nPlease provide me with the results of your reinvestigation within XXXX  days as required by federal law.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
This complaint is directed to Experian, Equifax, and TransUnion as a formal follow-up regarding identity theft that has significantly impacted my credit reports. 

I am submitting this dispute to formally report unauthorized accounts that do not belong to me. Based on my research, I understand that under Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly block any information resulting from identity theft once proper documentation is provided. 

To facilitate this process, I have attached the necessary supporting documents and identification. The following accounts must be corrected from my credit file as they are fraudulent and not associated with me : XXXX XXXX Balance : {$250000.00} -mortgage XXXX XXXX XXXX Balance {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I respectfully dispute entries connected with accounts I never created. Please conduct a meticulous investigation and delete them. Supporting materials are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-01 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX has locked my account with {$820.00} worth of cryptocurrency. 

I received a cryptocurrency settlement from a class action lawsuit against XXXX XXXX XXXX through XXXX XXXX  was fully aware of this settlement process. 

On XX/XX/XXXX, XXXX contacted me via email saying there was " suspicious activity '' on my account and that I needed to electronically send a photo ID. I sent my driver 's license. Then, on XX/XX/XXXX, they emailed me saying they were placing a " permanent limitation '' on my account but that I would be able to transfer remaining funds to my bank account linked to the XXXX account. 

They have not allowed me to transfer the remaining funds. My account has {$820.00} worth of cryptocurrency ( as of XX/XX/XXXX ). The XXXX XXXX does not allow me to sell the cryptocurrency so that I may transfer the resultant money to my bank account. 

XXXX has stolen over {$800.00} from me.

Company response to consumer: Closed with non-monetary relief