vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX False Over the Credit Limit Reporting Discover Card Account XXXX XXXX As of XX/XX/XXXX, Discover Card inaccurately reported my credit card account as being over the credit limit, which is false and misleading. I had filed a formal dispute regarding this account, which was marked as completed on XX/XX/XXXX. Despite the dispute resolution, Discover failed to update the balance to reflect my current available credit and instead continued reporting an outdated, inflated balance that incorrectly shows I exceeded my credit limit as of today. This is a blatant reporting failure and provides false information to the credit bureaus. 

Federal law requires that the information reported to consumer reporting agencies be accurate and not misleading. Reporting outdated or incorrect balances that falsely suggest I exceeded my credit limit is a violation of the Fair Credit Reporting Act, including : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish any information relating to a consumer to any consumer reporting agency if the furnisher knows or has reasonable cause to believe the information is inaccurate.

15 U.S. Code 1681i ( a ) : Upon dispute, the data furnisher is obligated to conduct a reasonable investigation and update or correct information as needed. Discover failed to report my current balance after resolving the dispute, which is negligent and unacceptable.

This incorrect reporting has negatively impacted my credit profile. I have attached or can provide a recorded phone call with Discover Card dated XX/XX/XXXX, verifying that I was not over the limit, had available credit, and had no pending transactions pushing me over. 




While I am legally entitled to pursue legal action for this violation, I would prefer to resolve the issue amicably. 

I am requesting the removal of two late payments on my Discover Card account as a gesture of goodwill : A 30-day late payment from XX/XX/XXXX A 60-day late payment from XX/XX/XXXX These negative marks are unrelated to the current issue, but I believe their removal is a fair and reasonable resolution given the distress and inaccuracy caused by the false over-limit reporting. The Fair Credit Reporting Act does not require creditors to report negative marks such as late paymentsit only requires that if reported, the information must be accurate. Therefore, Discover is legally permitted to delete these marks, and can not cite the FCRA as a reason for refusing to do so. 

If both late payments are fully deleted or changed to No Data or Paid on Time, I will consider this matter resolved in full and will not pursue legal action regarding this FCRA violation. 


Please see attached Recorded phone call, identity documents and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
In XXXX, I took out a student loan for an educational program at XXXX in. The loan was through XXXX but serviced through launch servicing , LLC. I missed a payment and reached out to XXXX, was referred to Launch Servicing but could never actually speak to someone. They do not have anyone to verbally speak to. Received no correspondence regarding the loan or that a missed payment would result in the program locking. To contact them through their website. I was locked out of the actual program and ultimately did not complete it. Which I do not understand. How am I responsible for a loan on a program I was locked out of for nonpayment? When reaching out to the school, I was referred to the services and just went round in circles. The loan serviced refuses to close the loan and turn it into an actual debt to be collected. For XXXX  years the loan has been active and is collecting interest and late fees, I am assuming because it is on my credit report. I have tried to file a dispute through the credit bureaus, the XXXX XXXX XXXX and attorney generals office. There are many people with the same stories as myself according to the XXXX. Launch servicing , LLC has hopped states and owners according to records, and XXXX no longer uses them as a servicer due to bad reviews. This has damaged my credit significantly. I have tried everything. Advised them I am in school and the payment went from the original XXXX $ in XXXX  to now {$500.00} due to even reaching out to a class action attorney. Now it has been determined this company may not even be practicing legally. They have moved from state to state which means their laws as a business may change dependent on the state. 


I filed a complaint previously and 2 pages were provided in return. I want the full loan documents with my signature and any other information regarding the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX unauthorized XXXX charges totaling {$2100.00} were withdrawn from my Cash App balance not my linked bank account or card. I didnt authorize or benefit from any of these transactions. 

I reported the fraud on XX/XX/XXXX through in-app chat. Cash App never sent fraud alerts, froze my account, or communicated about the issue. Instead, my account was abruptly closed on XX/XX/XXXX with only a vague Terms of Service violation message and no follow-up explanation. 

Despite repeated chats and follow-up requests, I received no provisional credit and no documentation to support their investigation. It wasnt until XX/XX/XXXX nearly a month later that I finally received a generic denial. The denial did not include any supporting evidence, such as device ID, IP address, or account activity logs. 

Ive asked multiple times for the documentation used to deny my claim and for clarification on why my account was closed and have received no meaningful response. 

Under Regulation E, I understand that if an investigation takes more than XXXX business days, Im entitled to a provisional credit while it continues. Im asking for CFPBs help in obtaining : A provisional credit while the investigation is properly conducted Or a full refund if their review is already complete And a written explanation backed by actual evidence, as required Im confident this can be resolved once the proper steps are followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NY

Complaint narrative:
For the last 3 months or so, Ive not been able to redeem my rightfully earned rewards points earned from my card spend on my US Bank business credit cards. If first started when one of my U.S. bank cards would not receive any reward points even though I was completing spend on the card. Apparently, it had to do with my account being in standard billing as opposed to individual billing and they lost the points when they converted my account. After getting that fixed, I wanted to redeem my points on that card and another card I had with them. Whenever I try to redeem my points on the mobile app, online, or over the phone through a representative, it informs me that an error occurred. I immediately called the US Bank business credit line at the end of XXXX and again in XXXX about the issue and they said they would open an investigation and call me back in two days. During this time, I contacted U.S. Banks XXXX unit to make sure nothing was wrong with my checking account and they confirmed it was fine. Fast forward two days and I never received that call. After waiting several weeks with nothing being changed, I received a letter in early XXXX in the mail from them asking me to call them to redeem my points. When I called them, its like they never even heard of the problem and told me to call their business checking line which was closed that weekend. A couple days later I called their business checking line who said everything was fine on their end and gave me the run around, telling me to call their business credit line back. After frustration I decided to wait a couple more weeks. This past XXXX XXXXXX/XX/XXXX, I called their business business credit line again and got the run around again along with false platitudes assuring me how sorry they are and they would call me in another two days after continuing their vacation. Its been 5 days since then and I havent heard a word. Im beyond XXXX at this point. 
On my US Bank triple cash ending in XXXX, US bank owes me {$860.00} in reward points and on my US Bank Business Leverage ending in XXXX, US bank owes me XXXX reward points ( equivalent to {$910.00} ). They are keeping my rightfully earned rewards hostage at this point. The last time I called on Monday, they gave me a case number for this investigation : 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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had a charge off with Capital One, XXXX, XX/XX/year> I paid off my balance. I asked them to remove the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
his complaint follows up on previously submitted CFPB Case ID XXXX, which was closed on the basis of XXXX XXXX requesting consumer authorization. 

I do not authorize XXXX XXXX to access, investigate, or respond to this complaint. No such authorization was given for XXXX XXXX to furnish any data to consumer reporting agencies in the first place. 

The tradeline they have reported is unlawful, unverifiable, and unauthorized per : 15 U.S.C. 1681b ( a ) ( 2 ) ( no permissible purpose ) 15 U.S.C. 1681e ( b ) ( failure to ensure accuracy ) 15 U.S.C. 1681n and 1681o ( civil liability for noncompliance ) No written agreement, contract, or signature exists to justify their reporting. I am demanding the immediate and permanent deletion of the XXXX XXXX tradeline from all CRAs. 

This complaint is filed for record as unresolved and retained for future arbitration or legal proceedings.

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 2025-06-07 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:
his complaint follows up on previously submitted CFPB Case ID XXXX, which was closed on the basis of XXXX XXXX requesting consumer authorization. 

I do not authorize XXXX XXXX to access, investigate, or respond to this complaint. No such authorization was given for XXXX XXXX to furnish any data to consumer reporting agencies in the first place.

The tradeline they have reported is unlawful, unverifiable, and unauthorized per : 15 U.S.C. 1681b ( a ) ( 2 ) ( no permissible purpose ) 15 U.S.C. 1681e ( b ) ( failure to ensure accuracy ) 15 U.S.C. 1681n and 1681o ( civil liability for noncompliance ) No written agreement, contract, or signature exists to justify their reporting. I am demanding the immediate and permanent deletion of the XXXX XXXX tradeline from all CRAs. 

This complaint is filed for record as unresolved and retained for future arbitration or legal proceedings.

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 2025-06-07 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:
his complaint follows up on previously submitted CFPB Case ID XXXX, which was closed on the basis of XXXX XXXX requesting consumer authorization. 

I do not authorize XXXX XXXX to access, investigate, or respond to this complaint. No such authorization was given for XXXX XXXX to furnish any data to consumer reporting agencies in the first place. 

The tradeline they have reported is unlawful, unverifiable, and unauthorized per : XXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( no permissible purpose ) XXXX XXXX. XXXX ( b ) ( failure to ensure accuracy ) XXXX XXXX. XXXX and XXXX ( civil liability for noncompliance ) No written agreement, contract, or signature exists to justify their reporting. I am demanding the immediate and permanent deletion of the XXXX XXXX tradeline from all CRAs. 

This complaint is filed for record as unresolved and retained for future arbitration or legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I spoke to XXXX XXXX and asked them to speak to one of their stores to give me information about a XXXX dollar money order. I did the money order around XX/XX/year> and sent it to a group called XXXX. The XXXX XXXX asked me for my ID and other information before they would produce the money order. I also had to put where the money was going and other identifying information. I was told to send in XXXX dollars and materials to get them to look into the issue. After waiting about 6 weeks, as their document recommended, I had to call them to find out they never looked into the topic or found out anything about my issue. They were taking my money without rendering services or contacting me. 

After some conversations, I was told that they would look into this concern, and they asked me to check the information because they wanted to confirm I paid the XXXX check. Which happened, and I provided them a picture of the check they took and the checking number they posted on the back of the check after they deposited it. I also gave them the exact store where I did the money order. I am a bit concerned about their practices because they have to regularly take money from individuals, and if they have no real audit practices on their stores, how would one know what business is legitimate or not? Also, why would the company not be aware of money going in and out of their stores? If I had given XXXX dollars instead of XXXX dollars, someone could just take large sums of money in certain stores, cash it out, and XXXX XXXX could just say they have no idea where the money goes? That seems like a possible money laundering issue based on their audit practices from just talking to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: LA

Complaint narrative:
A credit building account was opened under my information in XX/XX/2025. At that moment my credit score was already at XXXX. I never signed up for the program and none of my information matches the account. The individual may have possibly gotten it from old mail from the mailbox after I moved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I took out title loan with OneMain Financial XXXXXXXX XXXX XXXX for repairs. The vehicle was then vandalized with sugar in the gas tank in XXXX. I met with the manager at the XXXX location to inform them of the damages in XXXX while I attempted to have it repaired at XXXX XXXX. The dealership could not repair the vehicle and had it towed to the impound. I was not notified of this until the vehicle had been towed. I also made a payment with OneMain and was threatened to be arrested for Theft by deception if I did not make the payment. I continued to make payments until XXXX and have received harassing phone calls since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
This account is an fraudulent account doesn't 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 explanation
Consumer complaint received 2025-06-07 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: LEXISNEXIS
State: NJ

Complaint narrative:
Name : XXXX XXXX Address Line : XXXX XXXX XXXX. 
Address Line : XXXXXXXX XXXX XXXXXXXX Document Date : XX/XX/year> LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION To Whom It May Concern, Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ).

2. Comply with the investigation requirements, as required by 15 U.S.C. 1681i.

3. Not provide consumer files to companies without determining permissible purpose under 15 U.S.C. 1681b.

4. Provide full consumer file disclosures under 15 U.S.C. 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation