vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I've been in forbearance since last year which means I don't have to make any payments until next year. XXXX reported that I was over 90 days late in XXXX, which is incorrect. I was in forbearance, and I've been in green/good standing payment history. The company reported the wrong information. I disputed it with them, and they said they will fix the issue immediately. I've reached out to them several times and they still have not updated the information. It's been over a week, and this error is severely messing up my credit score. The company provided me with the documentation that proves I was in forbearance during the dates they claim late payments. I have attached the documents from the Dept of Education which proves I was in good standing and in forbearance.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Dave Operating, LLC
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, I contacted my financial institution ( Dave : powered by XXXX XXXX XXXX XXXX which has at least two class-action lawsuits pending that I have been notified of via email, by the way. ) to deactivate my debit card for a fraudulent charge made by XXXX XXXX for an app called XXXX in the amount of {$180.00}. 

The bank then emailed me a form to fill out to proceed with my claim. In the meantime, I also contacted XXXX XXXX and XXXX directly requesting a refund and supplied evidence of said fraud. Both vendors responded via email that they had processed refunds for me, so I contacted my bank to let them know so that I did need to proceed with the investigation through them. They processed it despite me asking them not to AND I never signed and returned the authorization form they sent. So : My bank processed a dispute I never signed off on. 

That dispute was closed ( citing no refund would be issued ) based on a false or inaccurate merchant response. ( XXXX responded to the bank around XX/XX/XXXX stating no fraudulent activity had been found- which was significantly after their XX/XX/XXXX email to me stating they were issuing a refund and XXXX 's email also stating they had issued a refund as of XX/XX/XXXX ). 

I have now received multiple confirmations from the merchant ( XXXX and/or XXXX ) that a refund was issued. 

My bank has no record of receiving it but wont investigate or assist me any further other than to re-open a dispute and an another investigation which could take anywhere from 10-90 days.

It's already been well over a month and no resolution has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CSPB, I am sharing a letter to Capital One-Mastercard, due to unfair message received today from that business, I need your help, this situation has been happening since XX/XX/XXXX, I want to be honest, only twice I saw during these years they were honest, but not always. 

Rebuttal Letter : Capital One 360 Dispute Follow-Up Subject : Urgent Reconsideration Request for Dispute # XXXX Violation of No Foreign Transaction Fee Policy To : Capital One Disputes Department From : XXXX XXXX Account Ending in : XXXX Date : XX/XX/XXXX Dear Capital One Disputes Team, I am writing to formally request a reconsideration of your decision to deny my dispute ( Claim # XXXX ) regarding the transaction processed in XX/XX/XXXX, during which I withdrew XXXX and was charged {$790.00} including an unpermitted 2 % currency conversion fee and an unfavorable exchange rate that contradicts the terms advertised for my Capital One 360 Checking account. 

As stated on your official materials, this account guarantees no foreign transaction fees and competitive exchange rates for international debit card transactions. I chose Capital One 360 in XX/XX/XXXX specifically for this feature. 

However, the ATM screen ( screenshot attached ) clearly states : Transaction : XXXX Amount charged : {$790.00} Exchange rate : XXXX USD = XXXX XXXX ( or XXXX XXXX XXXX USD ) Currency conversion fee : 2.00 % Based on the real-time exchange rate at the moment of the transaction ( XXXX XXXX XXXXXXXX USD ), the total amount charged should have been approximately {$730.00}, not {$790.00}. The overcharge breaks down as follows : Unfavorable exchange markup : ~ {$57.00} 2 % currency conversion fee ( on {$790.00} ) : ~ {$15.00} Total excess charge : {$73.00} This violates the commitment of no foreign transaction fees. It is especially concerning that Capital Ones own receipt does not display these hidden charges, which can only be seen on the ATM interface something I have documented by taking real-time photos during the transaction, as a protective measure. 

Your response dated XX/XX/XXXX, states the merchant validated the charge. But this avoids the core issue : Capital One should be protecting the customer from these exact charges not passing them through. I respectfully ask : That this decision be escalated for further review. 

That my account not be debited on XX/XX/XXXX, until a fair and complete investigation is done. 

That I be reimbursed for the excess charges in accordance with your policy. 

I trust Capital One will uphold its integrity and resolve this fairly. Please contact me if any additional documentation is required I am willing to provide all screenshots and receipts. 

Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: NV

Complaint narrative:
Reference # XXXX Cashapp. Friday XX/XX/year>XXXX  I am having work done in my home, I have several XXXX dollars deposited to my cashapp card specifically for this purpose. It shows on my app that is designed for me personally that my limit is {$25.00} per week but, it is only letting me get {$1.00} I contacted cashapp and they are stating that they can not increase my limit and that this was not for ATM it was to withdraw to a linked card or bank. However, this is not stated in my personal app it just says withdraw limit is {$25.00} weekly. 

Also, in the midst of the conversation, I first spoke with the advocate XXXX, who basically/digitally hung up on my and passed me off to the chat bot after I requested your information to file a report. The bot is who gave me your information to file. 

Then the bot sent me to another advocate named XXXX I just asked him for a copy of our conversation which he stated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
This is my second formal CFPB complaint against XXXX. I borrowed {$800.00} and have now paid a total of {$1000.00}. Despite this, XXXX  continues to claim I owe more. I previously submitted a complaint asking for hardship resolution or Paid in Full closure. Spotloan ignored that complaint and refused to engage in writing. 

In good faith, I sent them a written {$100.00} settlement offer after rejecting their prior offer. They have not responded at all, despite clear documentation of overpayment and revoked ACH authorization. They are now uncooperative and acting in bad faith. 

I am requesting CFPB intervention. XXXX  should either accept the {$100.00} hardship offer or mark the account Paid in Full. Any attempt to add more fees, interest, or collection activity during this unresolved dispute will be considered retaliation and reported to the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

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 2025-07-11 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist Bank is demanding an overpayment of {$7500.00} on a loan payoff due to bank error and misapplication of funds received for payoff. 

On XX/XX/XXXX, my loan was transferred to Truist Bank from XXXX XXXX. On XX/XX/XXXXXXXX  a wire transfer was received and accepted by XXXX in the amount of {$880000.00}. 

According to RESPA during the first 60-days of the transfer of servicing, should a payment be received by the transferor servicer they shall promptly either transfer the payment to the transferee servicer for application or reject the payment. If the payment is accepted, the transferee servicer must apply the funds with an effective date matching the date the transferor servicer accepted the payment. 

In this case, the funds were transferred to Truist ( transferee ) and are required to be applied with an effective date matching the date the funds were received by the transferor ( XXXX  ). 

Again, in my scenario, the funds were wired to XXXX on XXXX and accepted. These funds were expected to be applied to the loan as follows to satisfy the obligation : Principal Balance : {$870000.00} Interest : {$6000.00} Escrow Balance : {$2400.00} Release Fee : {$45.00} Overpayment : {$770.00} These funds should have been applied to the loan on XXXX resulting in an over payment of interest of {$770.00} ( XXXX, XXXX, @ {$190.00} ) Unfortunately, the title company did not include nor collect the {$4000.00} in property taxes that XXXX  paid XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX post payoff ) and added to the escrow account I am assuming some time in XXXX prior to the loan being transferred. 

With that said the payoff sent on XX/XX/XXXX was short {$3200.00} and Truist should have applied the {$880000.00} funds as follows : Escrow : {$6500.00} Interest : {$6000.00} Release Fee : {$45.00} Principal Balance : {$860000.00} Outstanding principal balance : {$3200.00} It is important to note that XXXX did not transfer the payoff funds to Truist until XX/XX/XXXX, 14 business days from receipt. XXXX nor Truist reached out to the title company nor myself stating the payoff was short. 

On XXXX Truist attempted to take a full loan payment from my checking account which I assumed was fraud being as my loan was assumed to have been paid in full. Due to the delay in payoff funds moving to Truist from XXXX, this loan attempt was in excess of the amount owed based on the remaining balance. 

As I have previously stated, I am happy to wire the {$3200.00}, and at this point any accrued interest on the {$3200.00}, to Truist Bank immediately. 

Truist is not applying payoff funds correctly and insisting an payoff in excess of actual amount owed.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im requesting the removal of inaccurate and harmful late payments from a closed and paid student loan account with XXXX XXXX XXXX, originally opened in XX/XX/XXXX and closed in XX/XX/XXXX. The account was paid in full, but still reflects 30-, 60-, and 90-day delinquencies leading up to its closure in XXXX. 

These late payments occurred during a time of financial hardship caused by the COVID-19 pandemic. Like many Americans, I struggled to stay afloat during the public health crisis, but once I was financially stable again, I made it a priority to pay the account in full. 

I reached out directly to XXXX XXXX XXXX to request a goodwill removal or to resolve the issue. Unfortunately, I was told there is nothing they can do to help me and that they are not the party reporting the late payments despite the fact that their name is clearly listed as the furnisher on all three of my credit reports. 

Under the Fair Credit Reporting Act ( FCRA 623, 15 U.S.C. 1681s2 ), if XXXX XXXX XXXX is listed as the furnisher of the account, they are legally responsible for ensuring the information is accurate and resolving disputes. Their refusal to investigate or provide assistance is both frustrating and potentially unlawful. 

I have already submitted disputes to XXXX, Equifax, and XXXX, but each bureau responded that the information was verified as accurate. The account is now closed and paid in full, but these derogatory marks are continuing to damage my credit profile and prevent me from accessing fairly priced credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX SSN : XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX  TX XXXX Subject : Legal Dispute XXXX XXXX To Whom It May Concern, I am writing to formally dispute the derogatory information being reported regarding the account listed as * XXXX XXXX XXXX XXXX XXXX on my credit report. The reporting contains inaccurate and/or unverifiable information that violates my rights under multiple consumer protection laws. 

The issue is as follows : This account reflects a 30-day late payment and states 'first payment never received. ' This is inaccurate and unverifiable. XXXX  shows it as current, while others list it as derogatory. These conflicting reports violate FCRA 607 ( b ) and must be corrected by deletion.

This reporting violates several provisions of the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *, including but not limited to : - * * FCRA 1681i ( a ) ( 1 ) ( A ) * * Grants the right to dispute any item believed to be inaccurate or incomplete.

- * * FCRA 1681i ( a ) ( 5 ) ( A ) * * Requires the permanent deletion of any item not verified within 30 days.

- * * FCRA 607 ( b ) * * Mandates maximum possible accuracy in the maintenance and reporting of consumer information.

- * * FCRA 623 ( a ) ( 1 ) ( A ) * * Prohibits data furnishers from reporting information they know or have reason to believe is inaccurate.

- * * FDCPA 809 ( b ) * * Requires debt collectors to validate any debt if challenged, and delete unverifiable records.

As required by law, I demand that this account be reinvestigated. If the information can not be 100 % verified using original source documentation and confirmed with the original creditor, it must be * * permanently deleted * * from my file. 

Please provide written confirmation of the results of your reinvestigation within 30 days. 

Sincerely, 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
The other bankruptcies are remove except this one. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
On XX/XX/year>XXXX  my account with XXXX was closed. XXXX has been reporting to the credit bureau each month after XXXX that the account is delinquent, when the account is in dispute. The account was closed and sold. See attachment :

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 2025-07-11 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: MD

Complaint narrative:
On XX/XX/year> my account with XXXX was closed. XXXX has been reporting to the credit bureau each month after XXXX that the account is delinquent, when the account is in dispute. The account was closed and sold. See attachment :

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/year> my account with XXXX was closed. XXXX has been reporting to the credit bureau each month after XXXX that the account is delinquent, when the account is in dispute. The account was closed and sold. See attachment :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 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: FL

Complaint narrative:
someone told me they do credit repair, they took my information and did fruad

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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