vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I utilized a XXXX  XXXX ATM - SPECIFICALLY XXXX XXXX at the XXXX  XXXX Located on XXXX XXXX XXXX XXXX XXXX NY XXXX . I utilized my DISCOVER BANK CARD to attempt to withdrawal {$300.00} USD. It allowed me to withdrawal the money in intervals, meaning I can withdrawal 1 {$100.00} dollar bill, 3 {$20.00} dollar bills, 22 {$5.00} dollar bills and 30 {$1.00} dollar bills. The atm dispensed only 22 {$5.00} dollar bills and 30 {$1.00} dollar bills and the 1 {$100.00} dollar bill and 3 {$20.00} dollar bills remained stuck in the ATM. I tussled with it attempting to try and pull it out but it remained stuck and after about 30 seconds it closed and a pop up came on the screen that my money was retained and a receipt came out showing {$300.00} dollars. However, I did not recieve the entirety of my withdrawal. This was at an ATM inside the BANK, meaning I am on camera and these pop ups came up on the screen. I utilized my XXXX  XXXX card, immediately after to see if the same dispenser would dispense cash and maybe open up with my {$160.00} inside. I attempted to withdrawal {$40.00} from my XXXX  XXXX debit card and in turn that dispenser at XXXX XXXX did not open, the other side did. I contacted discover bank immediately ; told them about the entire situation. The following day I contacted XXXX XXXX and informed them about it as well and they stated the terminal would be reconciled on Friday XX/XX/XXXX. On Friday XX/XX/XXXX ; I went to the XXXX XXXX XXXX and spoke with a manager whom stated the ATM was reconciled and that they need DISCOVER bank to reach out in order to solve this. By XX/XX/XXXX, I was blown away I havent recieved any call from Discover or a provisional credit in regards to my funds. At this time I was told the claim was closed on XX/XX/XXXX which was before XXXX XXXX stated the reconcile occurred of the ATM. How do you close a claim about a dispute regarding an ATM withdrawal before the ATM is even reconciled? I want to contact the police. I have reopened the claim with discover since XX/XX/XXXX XXXX XXXX  eastern standard time but this seems like the run around. This is my funds I work hard for. I shouldnt have to deal with all of this for my funds to be returned due to an ATM error. Not only can the ATM messages and alerts, show what occurred on XX/XX/XXXX but the cameras at the atm vestibule and also in the bank can show everything. I shouldnt have to deal with this and also XXXX XXXX owns discover this should be easily solved. Please assist,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-12 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: CA

Complaint narrative:
XXXX beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 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: NJ

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-12 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: MD

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged-Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$530.00} Inquiry Disputes : XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-12 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days 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
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My mortgage was bought XX/XX/XXXX by NationStar dba MrCooper the information on my loan was transferred to MrCooper from XXXX XXXX. After I repeatedly called MrCooper about receiving letters about fees and increases in my mortgage payments I filed a complaint with consumer finance protection office.

Now I have paid off my loan and NationStar dba MrCooper has not issued a viable refund check for the amount in the escrow account. I paid off my loan XX/XX/XXXX and have not been issued the check in the amount of {$2100.00} from the escrow account. I am now seeking the interest NationStar has accrued on my money they have withheld. I have emailed and had numerous phone calls. Please investigate this mortgage company for fraud and failure to pay me the amount of money in my escrow account. There is no way an ethical company should keep my money to earn the interest off my money owed to me. Please do not accept the standard reply from NationStar about how customer service is utmost critical in their businesses.

Homeowner XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please take a look at this record ; it might be incorrect and posted late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : ( capital One ) : ( XXXX * * * * ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
Signed up for a payment reduction plan. Has made 2 payments so far. For some reason they took one of my loans of the reduction plan while they had it in there and now they increased the payment for my reduction plan. I have been trying to talk with a manager and they said multiple times that they will be calling me but no one ever did. Please get someone to help me. I want to make payments but no one is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Possible Financial Inc
State: TX

Complaint narrative:
I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by Possible Financial, who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and CRA 623 ( a ) ( 1 ) ( A ). 

ACCOUNT IN DISPUTE : Collection Agency : Possible Financial INC Account Number : XXXX Reported Balance : {$110.00} Date Opened : XX/XX/2022 Credit Bureau Reporting : XXXX  / XXXX / XXXX  LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809, the collector either. Failed to provide full chain of assignment or legal ownership. Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ).

Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I am filing this complaint against Bank of America regarding an XXXX XXXX credit card because the company charged me late fees and {$80.00} in interest without providing proper notice of the payment due date, which I consider to be an unfair and deceptive act or practice ( UDAAP ). As a customer with a XXXX history of paying my Bank of America credit cards in full and on time, I was never adequately notified that a payment was due for the new card, which is contrary to the intent in the Truth in Lending Act ( TILA ) under Regulation Z, 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) that the customer must be notified at least 21 days prior to the payment due date. The companys failure to ensure timely delivery of the statement, which resulted in a fee and loss of the grace period leading to the interest charge, demonstrates malicious negligence given their profit motive from this omission. I requested a refund for these charges, but Bank of America only refunded {$0.00}, and I demand a full refund of the {$80.00} interest charge as it was imposed as a direct result of their failure to meet the required regulatory notice standards.

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 monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
Cashapp has decided to deny both of my disputes for a transaction that I did not make.

The transaction was done in a completely different state than I live in and I do not travel.

I marked my card as stolen ( because it was, along with the rest of my wallet ).

Yet they still wont accept my dispute request.

The total amount is {$330.00} and was completed in XXXX XXXX, MO. However I live in XXXX XXXX, IA! So please explain to me why my dispute was denied.

This money was supposed to go towards my cellphone bill, now I cant have a working phone because someone decided to steal my wallet and now I cant get the money back because nobody will listen to me.

Any help would be greatly appreciated..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My account is restricted with my money inside & I have a son who has to go to XXXX  and I cant even pay!! I have work but I XXXX  & cant even pay for them! They wont give me my money or unrestrict it when Im explaining to them whats going on!

Company response to consumer: Closed with explanation