vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: LoanCare, LLC
State: NY

Complaint narrative:
I am writing to formally dispute a mortgage account that appears on my credit report which was reportedly opened on XX/XX/year>, under my name. I believe this account is inaccurate and may have been opened without my authorization. At the time this mortgage was opened, I was not the owner of any property and did not apply for, authorize, or participate in any mortgage loan transaction. During that period, I was only renting a room and had no legal ownership interest or financial responsibility for the property associated with this account. I never attended a closing, never signed mortgage documents, and never received any funds related to this loan. Because I was only a tenant, I had no authority to obtain a mortgage on the property. The appearance of this account on my credit report is therefore incorrect and raises serious concerns regarding the potential misuse of my personal information or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be thoroughly investigated and verified. Please provide copies of the original mortgage application, closing documents, and any signed agreements bearing my signature that demonstrate I authorized this loan. If this account can not be verified with proper documentation, I respectfully request that it be immediately removed from my credit file and that written confirmation be provided stating that I have no legal responsibility for this mortgage. Thank you 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 2026-03-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Date : XX/XX/XXXX TransUnion Consumer Relations XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Credit Report Dispute FCRA Investigation Request Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX File Number : XXXX To Whom It May Concern, I am writing to dispute several items currently being reported on my credit report. These items appear inaccurate, incomplete, and unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request a reasonable investigation and deletion of any information that can not be verified as accurate. The following accounts require investigation : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off balance that appears inconsistent with the payment history. The reported balance and delinquency timeline require verification. Please provide documentation validating the accuracy of the charge-off amount, payment ledger, and original contractual agreement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account reflects balances and delinquency information that appear inconsistent with the credit limit and reported payment history. Please verify the full accounting records and original contract supporting this reporting. XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX This account contains a repossession indicator ( RPO ) despite the vehicle never being repossessed. The account is currently reporting as current, which directly conflicts with the repossession remark. This appears to be inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ). I request immediate correction or deletion if the furnisher can not verify this information. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These companies did not have my authorization or a permissible purpose to access my credit file. Under FCRA 604, please provide documentation demonstrating permissible purpose for these inquiries. If such documentation can not be produced, the inquiries must be deleted. If the above items can not be verified with original documentation and complete records, they must be removed from my credit file in accordance with FCRA 611 ( a ) ( 5 ). Please provide the results of your investigation in writing within the statutory timeframe. 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 non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Purchased groceries from XXXX and they go through XXXX last year. The order as mis-delivered. The photos of the delivery are not my home, clearly not showing any defnitive markings of the house number, yet XXXX is awful about this type of thing and only send automated replies. I filed a complaint with XXXX and they supported me in disputing the charge. They said XXXX has done this before and the best and quickest way to get my money back was to dispute with my bank. so i did, and nothing happened. They closed the case. I do not think that any human beings actually work these dispute cases since if they did, they could easily see the photo discrepency with the delivery address and wherever the order was actually delivered. I would appreciate having a bank support me when these occasional issues arise. Since I did give CITI everything they needed to dispute my case, yet nothing happened, I am hoping this wlil help my cause This is almost {$500.00} in food. I am attaching the dispute and original order

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a credit card with Chase Bank and was approved, but only with a very low credit limit of {$500.00}. During a phone call with a supervisor, I was told that I had been denied a higher ( high ) credit limit because of items on my credit report. At that time, my only serious derogatory item was a disputed XXXX late payment from XXXX XXXX being reported on my XXXX XXXX account issued by XXXX XXXX. Because this low limit appears to have been based, at least in part, on my credit report, I requested an adverse action notice or written explanation of the principal reasons for not granting me a higher limit. Instead of providing this, the bank told me there was no adverse action notice and refused to give me any written explanation of why my credit limit was set so low or whether my credit report was used in that decision. I am concerned that my credit report, including the disputed 60day late, was used to give me materially worse terms ( a very low limit ) without providing the disclosures and reasons that are required when a consumer report affects credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
{$200.00} {$170.00} Sent to scammers through chime and chime didnt regulate it and stop the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
escrow accounting, and all other account details, they refuse to provide the information. I have reported the same issue multiple times, however they fail to comply. They just keep saying they need more time, or that my account is in the process of being transferred. They were over 2 months late paying my homeowners insurance, they lied several times about sending payments. I even tried to remind them in advance, because they consistently fail to pay bills on time. They have no way for me to access my account online, they don't allow telephone calls. This is getting out of hand. I am tired of there lies and deception. You need to quit just closing my complaint without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Filed. Previous complaint. No one will give me answers. Waiting on refund just received a check for incorrect amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have an account that appeared in my collections that I have not been notified of, at all. This account is XXXX XXXX XXXX. I have no knowledge of ever doing business with this company and have disputed it with the credit bureaus and will be mailing XXXX XXXX XXXX to request a validation as I have no knowledge and have not received any communication from them.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding the abrupt closure of my credit card account, which occurred approximately nine months ago. After applying and being approved for a credit card with a {$2000.00} limit, I received my physical card in the mail. However, shortly thereafter, the account was closed by Discover. I later received a letter stating the closure was due to a failure to respond to a request for information. This situation has caused significant issues for me : Credit Score Impact : The unsolicited closure of a brand-new account negatively affected my average age of accounts and my total available credit. Inconsistent Guidance : I was advised by your customer service team to wait six months before reapplying. I followed this advice, yet my subsequent applications have been systematically denied despite having been deemed creditworthy for the original {$2000.00} limit. I am requesting a manual review of my profile to restate the original account with the previous {$2000.00} credit limit. I believe this is a fair resolution given that the account was closed due to a communication breakdown on Discover 's end, rather than any financial delinquency or risk on my part. I look forward to your prompt response and a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I ordered XXXX lamps from XXXXXXXX XXXX XXXX and a runner rug The lamps arrived damaged and incorrect, so I set up a return with XXXX. Both lamps were shipped in one box and returned in one box but I was not refunded for some reason even though XXXX confirmed the reutrn and refund. I disputed with Citi and sent them everything I had including the full tracking number with weight as the order shipped and was returned. They closed the dispute and refused to listen to anything I had to say. I am not sure why they say they refunded me for one lamp and one runner but didn't when they should have actually refunded me for everything. Now that I am realizing that Citi uses AI to process disputes, I want to report this in hopes someone would help. This is a lot of money to be out of and I deserve a credit. I have since learned that XXXX and XXXX XXXX XXXX XXXX their owner, are not well respected for refunding people, but CITI should have had my back on this. I gave them meticulous support that the whole order was returned and should have been refunded. XX/XX/year> {$580.00} XXXX ceramic lamps purchased XXXX broken incorrect lamps returned there was also a runner i have also reached out to XXXX many times. i can not believe that this was overlooked. I have a XXXX XXXX and try to do the best I can to stay ontop of all of this but this was obviously missed by Citi.

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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified collection accounts being reported on my credit report. I disputed several accounts on my credit report and requested proper validation of the debts being reported. Despite my disputes and requests for validation, the accounts were verified without documentation being provided proving the debts are valid. The following collection accounts are currently reporting on my credit report : Jefferson Capital Systems Original Creditor : XXXX Credit Card Balance : approximately {$1200.00} XXXX XXXX XXXX Balance : collection account still reporting on XXXX XXXX XXXX XXXX XXXX. Original Creditor : XXXX XXXX XXXX Balance : approximately {$10000.00} I sent written requests for validation of these debts. Jefferson Capital Systems did not respond to my request and has not provided any documentation validating the debt. Despite this, the account continues to be reported to the credit bureaus. XXXX XXXX XXXX is also reporting a collection account on my XXXX credit report despite my disputes requesting proper verification of the account. XXXX XXXX XXXX provided documents related to a lease agreement ; however, the balance being reported still requires verification and the amount being reported remains disputed. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, companies reporting information to credit bureaus must ensure the information is accurate and properly verified. Because these accounts have not been properly validated or verified with sufficient documentation, I am requesting the immediate deletion of these accounts from my credit report. If the companies can not provide documentation verifying the debts and the accuracy of the balances being reported, they should not continue reporting them to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
I had Jefferson Capital Systems show up on my credit report without any communication from them prior. When I call them, the phone line says itss an invalid number when I use the number available on XXXX. They are required by law to communication prior to placing this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime my account was hacked and used tried to get my money back and was given the run around now my entire account is hacked and money was stolen and my account was used and is now in the negative and going to close

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Back in XXXX, between XXXX, XXXX, I noticed suspicious activity on my cc, immediately blocked the card. Spoke to customer service and told them about suspicious activity. They cancelled the card, and sent out a new one. I received the new card late XX/XX/XXXX and started using the new card in XXXX XXXX. All of a sudden I realize the fraudulent charges are back on my card dated XXXX XXXX, XXXX. As this is the only Credit Card I use, I have always been vigilant as I live abroad in XXXX. The XXXX Department is insisting that I was the one who charged such a huge amount in one day. No phone call, no test verification no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate information being reported on my credit report by Medical Data Systems. I recently reviewed my credit report and noticed a collection account from Medical Data Systems for approximately {$730.00} that I do not recognize and believe may be inaccurate. On XX/XX/year>, I mailed a formal dispute requesting verification of this debt. I asked the company to provide documentation showing that the debt is valid and that they have the legal right to collect it. As of now, I have not received proper verification confirming that this account belongs to me. Under the Fair Credit Reporting Act, companies are required to report accurate and verifiable information to the credit bureaus. Reporting a debt that can not be properly verified is a violation of consumer protection laws. I am requesting that Medical Data Systems provide proper documentation verifying this debt. If they can not provide adequate verification that this account is valid and belongs to me, I request that the account be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
On XX/XX/year> I made XXXX payment in my XXXX credit cards XXXX with destiny and other with milestone on XX/XX/year> my card count was closed. I called on XX/XX/XXXX and was informed it was closed on XX/XX/year> that how I found that information. They informed me that it was a fraud alert and they closed it and. I told them I didnt issued any frauds or disputed any transactions iam in the XXXX and I needed the money to get through they told me they cant send me any information nor through email or mail. They told me to dispute the transaction. I called XXXX and they told me that there is no disputes on my account so I was confused so here I am writing a complaint because the credit card company wont issues me a statement or reason or refund the took over {$1000.00} dollars from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I opened an account w/ Aqua Finance in XX/XX/XXXX for my roof. The amount was XXXX I paid it all off within 90 day of the loan by XXXX XXXX. I kept receiving phone calls and emails from them asking me of XXXX dollars that I owe them. I called and they kept telling me that what is that is what the account showed. I told them my situation and they kept repeat the same thing. On XX/XX/XXXX, I sent them formal letter request them to close my account in full. Today XX/XX/XXXX, XXXX, I received notice of right to cure default again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have a private student loan through XXXX XXXX XXXX XXXX XXXX XXXX division of nelnet ). This loan was refinanced in 2021. The monthly payment is very high : {$730.00}. I am currently on short term XXXX insurance and on a fixed income because I have a newborn at home. I have called Firstmark Services several times to try and ask for alternative payment options : forbearance, lower monthly payments, loan modification, however, I am given no options and told my loan could be sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a Lowes credit card - Synchrony Bank My last billing statement had a due date of XX/XX/year>. I paid the bill in full on XX/XX/year> in the amount of {$4800.00} which is the amount listed on my billing statement. On XX/XX/year> I was charged interest of {$68.00}. I did a live chat and the representative stated that you have to pay off on XXXX billing statements - trailing interest. This makes no sense as I paid off before my due date. Had I not made a small purchase yesterday that I was logging in to pay off I would not have known that additional interest had been charged to my account - In my mind - I paid the card off on XX/XX/XXXX and have no reason to assume I need to look at another statement. I believe this is a UDAAP business practice- it could cause harm to all consumers who pay off their card debt and the card company is charging additional interest after payoff. If a person such as myself can reasonably assume that a bill is paid off before the due date, theres no reason to log into the card portal. Unknown debt causes late fees, interst, and credit rating harm.

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