vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX and XXXX of this year I stayed at XXXX XXXX in XXXX AZ. I had XXXX free night with them but I still needed to pay the {$100.00} deposit on the room for each night. So what the hotel did was charge me {$100.00} for XXXX night deposit and that was the night I used my free room voucher. Then the following day I had to put another {$100.00} deposit down because I did it online plus the cost of the room for the night which was {$100.00} so the amount of the charges were XXXX transaction for {$100.00} and then another transaction in the amount of {$200.00} which was the deposit and the cost of the room for the night. Well the second night there the office had a major flood in their office around XXXX. Everyone 's water was shut off. There was no running water whatsoever. They told us it'd be back on in about an hour but by XXXX it still wasn't on. The office is open until XXXX usually but that day they closed early with a sign in the door stating they closed because of the flood and they apologize to everyone but all Reservations for that night would be canceled and refunded. I had a XXXX XXXX XXXX that was sick with XXXX and a fever that I had no water to wash her up with plus the toilet was not working so my fiancee had to go buy gallons and gallons of water until we ended up ultimately leaving and at XXXX to go to a different hotel so I could have accessible water. I didn't have the money really but borrowed it on someones credit card and told them I'd pay it off when I was refunded. I never received the refund but I have letters and emails from the hotel stating they refunded the money which was a total of {$300.00}. I received the refund for the deposit on the room so I got back {$200.00}. but never received the {$100.00} for the room. I've presented this to cash app, maybe XXXX different times trying to explain and they just deny me immediately and say from what they see I have been refunded all of the money, then they closed my account and XXXX still not sure why. I tried contacting the hotel and they tell me to contact my bank. Cash app isnt even listening to what XXXX telling them and they will not give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One withdrew over {$800.00} from my bank account after I had already XXXX auto-pay. I had also made a payment earlier that same month, so this second withdrawal was not authorized. It caused my debit account to overdraft by {$840.00}. 

I receive {$960.00} per month in XXXX benefits, and this withdrawal left me without enough money to buy food or meet basic needs. If this is not resolved, I will have nothing to survive on next month. 

Only the earlier payment I made was reflected in my available credit. The {$800.00} Capital One pulled afterward is still not restored, and I have received no explanation. 

I have been XXXX since childhood, and my income is federally protected. If my XXXX status or income source played a role in how my account was handled, it XXXX also violate the Equal Credit Opportunity Act ( XXXX ). Withdrawing funds after disabling auto-pay may also violate the Electronic Funds Transfer Act ( Regulation XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MA

Complaint narrative:
I have been denied a mortgage due to a collection account that was initially with XXXX XXXX and shows it is with XXXX XXXX XXXX inaccurately reporting on my credit report with experian. 

This account was disputed and resolved in XX/XX/XXXX however, XXXX XXXX XXXX is still reporting that it is in dispute on the statement and it is being reflected to lenders as currently in disputed. I have not been able to get this corrected. I have tried to reach out several times with no luck and also can not seem to get a live person with Experian. This is a situation that should not even be happening as this dispute again was resolved in XX/XX/XXXX. It is now XX/XX/XXXX and it is being reported in accurately still. XXXX XXXX XXXX continues to update my credit report monthly and continues to inaccurately report the status of his account. 

I have also tried to dispute this account again with Experianusing their online system but was unable to choose the appropriate reason because it says it has already been disputed before. 

Due to the inaccuracy of this, I have been denied a mortgage loan and it has been affecting my credit and putting me in substantial financial distress. I am requesting that this be deleted from my credit report immediately. 

I have attached photos showing that the dispute was updated in XX/XX/XXXX and another photo showing that the current statement from the creditor shows the account currently in dispute.

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 2025-05-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am submitting this letter as part of a formal dispute with the consumer reporting agency Experian. These accounts have been disputed with the credit reporting agencies directly but have not been properly validated or removed. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable information in my credit report. Specifically : FCRA Section 611 [ 15 U.S.C. 1681i ] states that a credit reporting agency must conduct a reasonable reinvestigation of disputed items within 30 days. If the item can not be verified, it must be deleted from the file. 

FCRA Section 609 [ 15 U.S.C. 1681g ] entitles me to receive all information in my credit file and the sources of that information.

The following accounts should be removed based on their failure to meet the FCRAs verification and accuracy requirements : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX All the accounts listed above are either inaccurately reported, lack original source documentation, or are duplicates. Therefore, they violate the FCRA 's requirement for accurate and verifiable reporting. 


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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had two Capital One credit card accounts that were charged off. I later paid both accounts in full settlement. Despite being paid, both accounts are still showing on my credit report as charge-offs with derogatory marks. I called Capital One several times and asked them to update or delete the accounts, but they refused. I also filed disputes with all three credit bureaus, but the negative reporting remains. This is unfair and continues to harm my credit, even though I fulfilled my obligation. I respectfully request that the CFPB assist in having Capital One either delete the accounts or update them to reflect a paid and neutral status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-10 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: DE

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account XXXX : XXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: CA

Complaint narrative:
I spoke with a representative of XXXX regarding an outstanding credit card debt. During this conversation, the representative explicitly stated that if I paid the debt in full, the collection account would be removed from my credit report. Relying on this verbal agreement, I paid the full balance of the debt on [ XX/XX/year> ]. 

However, after the payment was made, I was informed that the agency would not be removing the account from my credit report as previously promised. This constitutes a misrepresentation and a breach of the verbal agreement that influenced my decision to pay the debt in full. I am seeking resolution and a correction to my credit report in accordance with the terms initially communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
This company sent me an offer letter around XXXX XXXX  2025. You have to pay a {$95.00} processing Fee. However, I paid the Fee on XX/XX/XXXX. I got the card XX/XX/XXXX. I tried to register the card and it kept saying I couldn't register with no explanation given. I called the company and the Woman that I spoke to said I had to wait 48 hours to activate the card after payment. It is now 3 days later and I still dont have access to the website. The reviews all state that everyone is having the same issue. I just want my money back. There is no one you can email. When you call they tell you they dont see a payment, but I have email confirmation.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear Experian, XXXX, XXXX  I am writing to formally dispute inaccurate information appearing on my credit report. The item in question relates to a debt originally reported by [ Original Creditor Name ] and currently reported by [ Debt Collector Name ]. 
Accounts in Question : Original Creditor : Achieve Personal Loans Account Number : APP XXXX Status : Charged Off / Closed Debt Collector : XXXX XXXX  Account Number : XXXX Status : Collection Dispute Summary : The two entries reflect conflicting dates, including different/NO original delinquency dates and inconsistent account timelines. 


Neither entry provides a clear " Date of First Delinquency ( DOFD ), '' which is required under the FCRA, specifically XXXX05 ( c ).

The absence of accurate delinquency dates may improperly extend the reporting period beyond the 7-year limit, and this could be considered unlawful re-aging of the debt.

Requested Action : Please investigate and remove any inaccurate, incomplete, or unverifiable information. 


Ensure that the Date of First Delinquency is accurately reported and consistent across all tradelines. 


If the accounts can not be verified or corrected, they must be deleted from my credit report under FCRA guidelines. 


I have included a copy of my government-issued ID and a utility bill as proof of identity and address. 
Please respond within 30 days, as required by the Fair Credit Reporting Act. I would appreciate written confirmation of your findings. 
Thank you for your prompt attention to this matter. 
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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid off the full balance owed on my account with the creditor, as confirmed by the attached " Paid in Full '' letter dated XX/XX/year>. Despite resolving the debt in full, the account is still being reported on my credit report as having an outstanding balance and is listed as being in collections. 

This reporting is inaccurate, outdated, and damaging to my credit profile. I contacted the company to have the information corrected and the account removed, but they have not taken any action. I am submitting the attached documentation as proof of full payment and resolution of the account. 

I want this complaint to be published on consumerfinance.gov to help other consumers who may face similar issues.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid off the full balance owed on my account with the creditor, as confirmed by the attached " Paid in Full '' letter dated XX/XX/year>. Despite resolving the debt in full, the account is still being reported on my credit report as having an outstanding balance and is listed as being in collections. 

This reporting is inaccurate, outdated, and damaging to my credit profile. I contacted the company to have the information corrected and the account removed, but they have not taken any action. I am submitting the attached documentation as proof of full payment and resolution of the account. 

I want this complaint to be published on consumerfinance.gov to help other consumers who may face similar issues.

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 2025-05-10 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: GA

Complaint narrative:
I paid off the full balance owed on my account with the creditor, as confirmed by the attached " Paid in Full '' letter dated XX/XX/2024. Despite resolving the debt in full, the account is still being reported on my credit report as having an outstanding balance and is listed as being in collections. 

This reporting is inaccurate, outdated, and damaging to my credit profile. I contacted the company to have the information corrected and the account removed, but they have not taken any action. I am submitting the attached documentation as proof of full payment and resolution of the account. 

I want this complaint to be published on XXXX  to help other consumers who may face similar issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
About 2 years ago my car was stolen with my passport. Now Im the victim of identity theft with accounts open up in my name. I have been trying to get the credit bureaus to remove the items but they still have some on my credit file and it is affecting me in a bad way. I will attach the ftc report and the XXXX police report. Accounts that need to be removed at first premier for XXXX, XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX for XXXX. XXXX XXXX for XXXXXXXX XXXX XXXX XXXX  for XXXX, blaze for XXXX. Please remove all inquires including XXXX, trophy of XXXX, ally financial. All of these accounts neeed to removed from Experian, Equifax and Trans Union.

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 2025-05-10 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: CA

Complaint narrative:
About 2 years ago my car was stolen with my passport. Now Im the victim of identity theft with accounts open up in my name. I have been trying to get the credit bureaus to remove the items but they still have some on my credit file and it is affecting me in a bad way. I will attach the ftc report and the XXXX police report. Accounts that need to be removed at first premier for XXXX, XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for XXXXXXXX XXXX XXXX XXXX for XXXX. XXXX XXXX for XXXXXXXX XXXX XXXX XXXX  for XXXX, blaze for XXXX. Please remove all inquires including XXXX, trophy of XXXX, ally financial. All of these accounts neeed to removed from Experian, Equifax and Trans Union.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> around XXXX a.m., I went to the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to cash my {$900.00} paycheck. A teller told me to use the ATM instead of waiting in line. I followed her instructions and deposited the check into the XXXX the machine jammed and took my check. 

I immediately told the teller what happened, and she said there was nothing she could do and told me to call XXXX so they could credit my account. I called and spoke to XXXX different reps, but both said they couldnt credit my account and would only file a claim, which could take up to XXXX business days. 

This is unacceptable. That was my entire paycheck. I now have {$0.00} in my account and no way to pay my bills or buy food for my children. I am in crisis because of a mistake that was completely on XXXX XXXX end. This is not okay. A multi-billion dollar bank should be able to fix its own ATM error and credit me the {$900.00} while they investigate

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