vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, I noticed that my checking account had an extra {$56.00} that I did not expect. I typically keep my balance at XXXX, so this was unusual. To be cautious, I transferred the {$56.00} to my savings account and took screenshots of all transactions and balances at that time. I carefully reviewed and added up every transaction, and everything correctly matched the displayed balance, with no pending or unsettled charges unaccounted for. 

However, on Tuesday afternoon, I checked my account and found it had a negative balance of approximately XXXX. When I reviewed my transaction history, I noticed that a transaction had mysteriously appeared and adjusted the balance, causing the negative.

I immediately contacted the bank, and I was informed that when a purchase is made, a merchant has up to three days to finalize the transaction. If they dont, the transaction drops off the account, but the merchant can return at any time in the future to withdraw those funds, potentially resulting in a negative balance.

This explanation concerns me because it implies that even when my account appears accurate and reconciled, merchants can later access funds without a new authorization, potentially causing unexpected overdrafts.

I am formally requesting the following : A refund of {$52.00} to correct this situation, as the sudden and unexpected posting of a previously dropped transaction caused my account to go into a negative balance.

That Capital One implement notifications to account holders any time a merchant attempts to access funds again in the account after an authorization has expired or dropped.

A detailed explanation of this policy in writing, including how long a merchant has to settle a transaction after the initial authorization drops off.

Clarification on what protections exist for account holders in situations like this.

Information about how to dispute transactions that post to the account after the authorization window has expired.

I look forward to your prompt response and a resolution of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: IL

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-16 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/year> LVNV FUNDING PUT A COLLECTION FROM XXXX  XXXX IN THE AMOUNT OF XXXX ON MY XXXX  CREDIT REPORT. 

I HAVE NEVER HAD A XXXX XXXXXXXX CREDIT CARD,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received a letter in the mail. The company has chosen to increase monthly fees to {$230.00} annually broke down monthly to {$19.00}. They stated that you may reject the changes, which i called and did over the phone. While this was going on I was informed that the account would be reported consumer closed. I feel as the change being something they put into place the account being closed should not look negatively on me as I am making a smart financial decision but a consumer closed account will not look good on my report as I am building credit. I have had the card less than a year. I find this increase to be predatory as it allows people with bad credit to get a card only to end up raising fees and then blaming them for closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc.
State: VA

Complaint narrative:
i.c. system, Inc. To Whom It May Concern, I am writing regarding the account referenced above, which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information to validate this debt and ensure its accuracy : Chain of Assignment : Please provide a complete and detailed chain of assignment for the account. This documentation should include : The original creditors name and address. Any subsequent owners or assignees of the debt, including names, addresses, and dates of transfer or sale. Account-Level Documentation : Please provide all account-level documentation related to the debt, including but not limited to : A copy of the original contract or agreement that created the debt, bearing my signature. Itemized statements showing the calculation of the amount you claim is owed, including interest, fees, and other charges. Proof of your authorization to collect on this account, including any agreements or contracts between you and prior assignees or creditors. I request that all communication regarding this matter be conducted in writing and sent to the address provided above. Additionally, I ask that you cease all collection efforts until the requested information has been provided and the debt has been validated. If you are unable to provide the requested information, please confirm in writing that you will cease collection efforts and remove any negative reporting related to this account from my credit report. Please note that this letter is not an acknowledgment of liability or acceptance of the debt but a formal request for validation and verification. Failure to respond adequately within 30 days will be interpreted as your inability to validate the debt, and I will consider the matter resolved. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, 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 2025-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
Paragon revenue group keeps calling my phone about my mothers account which violates HIPAA law and they also keep calling and saying they have an account in my name and that they are the original creditors as it states on my credit report. I have asked for all documents but the representative just hangs up on me every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX, I made a payment for {$1100.00} USD, but few mmintues after I canceled the transaction, the merchand told me that my pending expense will not go thru and I will have my funds back. But on XX/XX/XXXX the transaction on my bank account had been posted, I did advise Chase bank of the situation, the opened a claim but did not refund me the credit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
TransUnion Illegal Reporting of Late Payments on Charge-Off Accounts, Failure to Remove Real Estate Accounts, and Retaliatory Behavior Summary of Complaint : This is a formal complaint against TransUnion for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), including unlawful reporting practices, failure to correct erroneous data, and potentially retaliatory actions. 

On XX/XX/XXXX, I mailed a certified dispute letter to TransUnion requesting the immediate correction and removal of the following accounts : XXXX. XXXX ( XXXX XXXX XXXX XXXX falsely reporting missed payments despite being closed with {$0.00} balance since XXXX. 


XXXX XXXX XXXX  XXXX missed payments still appearing despite being closed or transferred. 


XXXX. XXXX ( XXXX XXXXXXXX XXXX  ) XXXX missed payments. 


XXXX. XXXXXXXX XXXX XXXX missed payment still affecting my report even after resolution.

However, in this formal complaint I am also including two additional major issues not covered in the written letter : -- - A. XXXX XXXX XXXX  ( 3 separate credit card accounts ) Each account is reporting 7 missed payments, despite prior disputes. TransUnion has failed to remove or properly verify these derogatory marks. The companys response was either dismissive or verified as accurate without any documentation. 


-- - XXXX XXXX XXXX ( Charge-Off Account ) This account is marked as a charge-off, which under FCRA should not continue to report ongoing missed payments. TransUnion is unlawfully reporting 5 missed payments, which is deceptive and punitive in nature. 


-- - These actions appear to be a form of retaliation or intentional harm, as I have previously submitted disputes, complaints, and documentation showing that the accounts were either settled, closed, transferred, or already resolved.

TransUnion continues to violate : 15 U.S.C. 1681e ( b ) By reporting inaccurate or misleading information.

15 U.S.C. 1681i ( a ) By failing to reasonably reinvestigate disputes.

15 U.S.C. 1681s-2 ( b ) By failing to correct or delete disputed accounts after being notified.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXI need to validate my name across the three major credit bureaus, as it appears 17 different ways. I want my name to appear exactly as it appears on my ID.'

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
Today Wednesday XX/XX/year> at approximately XXXXXXXX XXXX to XXXXXXXX XXXX I transfer {$25.00} from my cash app into my XXXX account and paid the fee to have it instantly available. I did not receive the funds and I spoke to an agent through the app and they told me that the transfer was complete on their end but it's probably just my bank and it could take up to three business days I challenge them and told them that that's not true and if I did not have my money immediately I was closing my account and they refuse to close my account. The agent I spoke to when I called them to close my account told me that the transfer was pending but the first agent told me the transfer was complete. They're stealing my money and playing with my account doing what they want with my funds when they want and there's nothing I can do anytime I try to escalate it to a manager they blow me off and tell me that the supervisor will contact me via email but never does The company is corrupt they're playing with people 's money and there's nothing we can do but sit back and get screwed over on a regular basis now I'm out {$25.00} and they get to play with my money and deny my account being closed because they said a transfer was pending even though the first agent told me to transfer was complete so I am severely XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I currently work full-time for a qualifying nonprofit and have done so continuously for over 10 years. My Direct Consolidation Loans, totaling {$460000.00}, have been serviced by XXXX XXXX, XXXX, and now MOHELA. According to MOHELA, I currently have XXXX qualifying PSLF payments. 

However, I am missing 30 qualifying payments from XX/XX/XXXX to XX/XX/XXXX, which were incorrectly placed in an in-school deferment status by XXXX. XXXX later issued documentation confirming that the deferment had been waived and that this time period was reinstated as active repayment, making it eligible toward PSLF. This correction was not carried over during the transfer to MOHELA, and the 30 months remain missing from my record.

In addition, the five most recent monthsduring which I was in SAVE forbearance and had a pending IBR applicationare also not reflected in my PSLF payment count. Under current PSLF and SAVE guidance, these months should count toward forgiveness.

I have contacted MOHELA and the Department of Education multiple times via phone, email, and official feedback forms over the past several years. Despite these efforts, I have not received a clear explanation or resolution. My cases have often been closed without notice or any meaningful review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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