vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
Supplemental Complaint Against Experian for False Reporting of Settled Account To Whom It May Concern, This supplemental complaint is filed against Experian Information Solutions , Inc., who continues to report my XXXX XXXX XXXX XXXX XXXX account as not settled for less than the full balance despite full payoff, as documented in the attached receipt from XXXX XXXX XXXX XXXX. 

I. Evidence of Full Payoff On XX/XX/XXXX, I accessed my official XXXX XXXX dashboard ( see attached XXXX XXXX XXXX Paid In FulXXXX  ) which confirms : Account balance : {$0.00} No amount due Due date still active but no payment required This clearly demonstrates the account has been paid in full. 

XXXX. Experians Failure to Correct False Tradeline Despite submitting this receipt during dispute proceedings, Experian responded with a blanket denial and refused to adjust the account status. Their actions violate the following consumer protections : XXXX5 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete information proven inaccurate Florida Statutes 501.204 Deceptive trade practices under FDUTPA III. Ongoing Harm This misrepresentation : Continues to suppress my credit score with their sham investigations Creates a false impression account not being settled. 

Has directly impacted financing, insurance, and housing opportunities as it increases debt ratios

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I found inquiries on my credit report that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities. 
Please take this information off my credit report within four business days, as outlined in section 605C of the Fair Credit Reporting Act. Id appreciate a notification regarding the actions taken. Thanks for your prompt attention to this matter.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2025, I made a {$48.00} purchase for concert tickets through the XXXX website using my Capital One Quicksilver Card, and was charged an additional {$56.00} interest charge, plus a {$7.00} Cash Advance Interest Charge, the transaction I was making was in no way resembling a Cash Advance and it was not a Cash Advance, but it was surcharged as if it was. On XX/XX/ XXXX I purchased {$26.00} for XXXX XXXX XXXX XXXXXXXX, and was again charged on top of that a {$55.00} Interest Charge plus {$7.00} CASH ADVANCE Interest Charge, Capital One once again allowed these transactions to be charged as Cash Advances. I called Capital One and explained the situation and they refuse to reimburse or remove the misclassified interest charges and fees. These purchases were not Cash Advances but are being treated and charged as such. Capital One claims that the merchant coded my {$26.00} and {$48.00} purchases as a cash advance, and that they can't do anything about it. This was clearly a normal gas and concert ticket purchase, and Capital One allowed the additional surcharge, blaming the merchants. I have no control over how gas stations and XXXX code transactions. I'm requesting a full reversal of the Interest Charges and Cash Advance Interest Charges and proper reclassification of the purchases. I did not request a Cash Advance and was not informed at the time of purchase that this would trigger such High Interest Rates. Capital one has the ability to reverse these charges and should not penalize customers for errors they did not cause and were not aware of. Also on XX/XX/2025 I made a purchase of {$26.00} on XXXX XXXX for an XXXXXXXX XXXX, and on XX/XX/2025, was charged an Additional {$54.00} Interest Charge and a {$7.00} Cash Advance Interest Charge, An XXXX is not a Cash Advance, yet I was still charged the interest fees as if it were one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged interest on XXXX 's purchases that were later returned and refunded. Due to warehouse delays at XXXX, my refunds were not processed in a timely manner. As a result, I was charged hundreds of dollars in interest ( $ XXXX in XXXX alone, plus several charges since XXXX ). 

I contacted customer service multiple times. Although they eventually approved my refunds, they are refusing to waive the interest unless I first pay my full balance in fulleven though the interest resulted from delays outside of my control. Ive been a consistent customer, and I was told the charges could only be removed after full payment, which feels unfair and coercive. 

I would like the interest charges reversed as a goodwill adjustment or corrected due to the delays caused by the merchant. I should not be penalized for a situation I didnt cause.

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 2025-07-12 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: LCI Acquisition Inc.
State: FL

Complaint narrative:
XXXX XXXX Failure to Respond to Legal Demand & Continued Violation of FCRA Verification Obligations Complaint : I am filing this new and distinct complaint against Lundquist Consulting , Inc. ( LCI ) for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and failure to respond to a certified legal demand letter I sent on XX/XX/year>. This complaint is not a duplicate of prior filings ( e.g., CFPB XXXX # XXXX ), as it introduces new violations and LCI 's failure to respond to legal correspondence within a reasonable timeframe. 
NEW GROUNDS NON-RESPONSE TO LEGAL DEMAND : On XX/XX/year>, I sent a formal legal demand letter via certified USPS mail requesting : Deletion of an inaccurate and unverifiable XXXX XXXX bankruptcy record being reported to XXXX. 
Proof of court-certified documentation supporting their reporting. 
Explanation of permissible purpose under FCRA 1681b. 
As of the date of this filing, LCI has not responded, in writing or otherwise, to this demand, despite confirmation of delivery. This constitutes a standalone violation of FCRA 1681s-2 ( b ) and a failure to conduct a reinvestigation as required under FCRA 1681i ( a ).

FCRA VIOLATIONS : 1681s-2 ( b ) : Failure to respond or reinvestigate upon notice of dispute from consumer.

1681e ( b ) : Continued publication of inaccurate data ( XXXX shows XXXX XXXX XXXX, a material typographical error ). 
1681b : No permissible purpose established to furnish the bankruptcy to XXXX. 
LCIs prior CFPB response relied solely on non-certified XXXX  screenshots and failed to correct data field mismatches. Their actions demonstrate systematic noncompliance with both XXXX XXXX field matching standards and FCRA verification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis is attempting to collect about {$1500.00} from a lease at XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and is reporting this on all three credit bureaus, harming my credit standing. 
This debt is for the rent after I moved out. However, on XX/XX/XXXX, my early termination was explicitly approved by the landlord, and XXXX, the landlord representative signed 'Owner 's Acknowledgment of Receiving Move-Out notice ' stating : 'We consent to the move-out date stated above, and your lease contract term will end on that date '. This means I owed no future rent. About 6 months later, the landlord suddenly sent me an email demanding over {$10000.00}, then reduced it without explanation to about {$1500.00}. 
I repeatedly emailed and tried to resolve it, but was ignored and passed around. I couldn't go to the landlord 's office in person since I now live in FL. I have emails documenting these attempts. The only response I ever received was an email on XX/XX/XXXX from XXXX 's receivables team assigning my case to XXXX XXXX XXXX who never followed up. All further emails and calls were completely ignored. 
XXXX XXXX XXXX began reporting this on my credit reports before sending any written notice of my right under the FDCPA, violating my rights under 15 U.S.C. 1692g. 
They only emailed me after it was already reported. I have disputed this debt and requested validation, but have received no response justifying this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: MO

Complaint narrative:
Only XX/XX/XXXX Possible finance reported a balance on my credit report after my bankruptcy was discharged causing my scored to drop XXXX points. The company is aware and has been given discharge papers but still reported a balance on my credit report. XXXX  has been made aware of this but has not taken the extra steps to remove the inaccurate information. Also, Possible finance is reporting inaccuate dates on the payments. I was never late to being with. It was a system problem on their end that was never corrected.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I have multiple open tickets trying to contact someone. Ive sent all appropriate documents, but they will not verify me, which means I cant touch my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I requested that MOHELA correct my loan payment history. My loans have been moved from XXXX XXXX, to XXXX, to MOHELA. MOHELA initially attempted to state that I had only ever made two payments despite years of on-time payments prior to the COVID-19 pandemic payment pause.

MOHELA sent me the corrected payment data for my records, but incorrectly and fraudulently added additional interest to my loans during the SAVE Plan Forbearance at that same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I formally disputed the account6 reported by XXXX XXXX XXXX with account number XXXX appearing on my credit file. After careful review, I am asserting that this account is being reported in violation of Fair Credit Reporting Act ( FCRA ) and must be permanently removed based on the following. 
1. Unverifiable Information- Violation of 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) The account shows a last activity date of both XX/XX/XXXX and XX/XX/XXXX depending on bureau, indicating materially inconsistent data. This discrepancy makes the information inherently unverifiable and invalid for continued reporting. 
2. Incomplete and Inaccurate Data.-Violation of 15 U.S.C. 1681e ( b ) This report fails to clearly identify the original creditor, contradicts the last activity date, and lacks consistent payment history. The presence of outdated or contradictory details suggests the credit bureau did not use maximum possible accuracy, as required by law.

3.Failure to Investigate Prior Dispute- Violation of 12 U.S.C. 1681i ( a ) ( 3 ) The account includes a remark noting that it was previously disputed, yet no changes were made. If the furnisher could not verify the account with complete documentation ( including signed contracts, full payment history, and chain of title from original creditor ), it must be deleted

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 2025-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I would like to open my account that had XXXX in it ( dispute that I signed a legal document )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX  XXXX. account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I got an email saying my account was close because of the terms but I can find out why and my information was stolen so I cant even report the issue because they closed my account. And now I cant get back into the using my card or be able to use the account for my sales

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX  XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2025 Truist Bank C/O XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Account Closure Request Dear XXXX, Please accept this letter as a request to close the two, following small business accounts, for which I am the sole proprietor : XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ownership : XXXX XXXX XXXX 100 % XXXX ) Account XXXX Account Name : XXXX XXXX XXXX DBA XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 100 % Should you have any questions, please call or write at the number or address listed above. 
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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank improperly applied a government-issued tax surplus refund to a closed, charged-off account without my authorization. 

In XX/XX/year>, I was issued a {$250.00} tax surplus refund by the Georgia Department of Revenue. The funds were sent via direct deposit to my former Chase account, which had been closed and charged off in XX/XX/year> and I had received formal written notice of the closure from Chase. 

Instead of rejecting the deposit as they are required to do with closed accounts, Chase applied {$200.00} of the state refund to the charged-off balance and sent me a check for only {$43.00}, the remainder. I did not initiate this payment, and I explicitly did not authorize Chase to use this refund to pay off any debt. This was a third-party government disbursement, not a payment I submitted. 

I contacted Chase immediately to dispute the application. I was told that all deposits to closed accounts are applied to debts as a matter of Chase policy. When I clarified that this refund came from a government agency not me and that I had never consented to such use, they refused to return the funds and told me to file a complaint in person at a branch. 

I believe Chases actions violate consumer protection laws by : Applying a third-party government benefit to a debt without authorization ; Accepting a deposit into a closed, charged-off account; Refusing to correct the issue or provide written justification. 

I am requesting a full refund of the {$200.00} that was improperly applied and a written explanation from Chase of how this policy complies with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital is trying to collect a debt. It was enrolled with another company and I had no knowledge of said debt. They did not give any documentation on how they obtained said debt and I'd like it removed from my credit report

Company response to consumer: Closed with explanation