vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that TransUnion conduct a thorough investigation into the charged-off accounts listed on my credit report. These accounts are significantly impacting my XXXX score, and I believe that some of the information XXXX be inaccurate, incomplete, or unverifiable. As a consumer, I am simply asking for a fair and accurate reflection of my credit history. I request that TransUnion take immediate action to review these accounts and provide clear, verifiable evidence for each. If the information can not be confirmed, I ask that it be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts Reported on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are XXXX student loan accounts appearing on my credit report that do not belong to me. These accounts were previously removed from my credit file and have now been reinserted without proper notice or certification, violating FCRA 611 ( a ) ( 5 ) ( B ). 

I contacted XXXX, on XX/XX/year> and they stated they can not provide any proof that these loans belong to me. They admitted they do not have a promissory note, disbursement records, or documentation verifying that I ever took out these loans. They said they are just the collection agency and that verification supposedly came from the Department of Education, but no verification has been provided. 

Because this false reporting caused a drastic drop in my XXXX XXXX, I began making payments just to try to stop the damage even though the loan is improperly assigned and incorrectly reported on my credit. 

Despite these payments, the loan is still being reported inaccurately and inconsistently ( including payment deferred and missed payments ). This is causing ongoing and unfair harm to my credit. 

Under FCRA 623, a furnisher must be able to verify the accuracy and ownership of any debt they report. Reporting a loan without proof is a violation of federal law. 

There are XXXX student loan accounts appearing on my credit report that do not belong to me. These accounts were previously removed from my credit file and have now been reinserted without proper notice or certification, violating FCRA 611 ( a ) ( 5 ) ( B ). 

I contacted XXXX, and they stated they can not provide any proof that these loans belong to me. They admitted they do not have a promissory note, disbursement records, or documentation verifying that I ever took out these loans. They said they are just the collection agency and that verification supposedly came from the Department of Education, but no verification has been provided. 

Because this false reporting caused a drastic drop in my XXXX XXXX, I began making payments just to try to stop the damage even though the loan is improperly assigned and incorrectly reported on my credit. 

Despite these payments, the loan is still being reported inaccurately and inconsistently ( including payment deferred and severe delinquencies ). This is causing ongoing and unfair harm to my credit. 

Under FCRA 623, a furnisher must be able to verify the accuracy and ownership of any debt they report. Reporting a loan without proof is a violation of federal 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are XXXX student loan accounts appearing on my credit report that do not belong to me. These accounts were previously removed from my credit file and have now been reinserted without proper notice or certification, violating FCRA 611 ( a ) ( 5 ) ( B ). 

I contacted XXXX, on XX/XX/year> and they stated they can not provide any proof that these loans belong to me. They admitted they do not have a promissory note, disbursement records, or documentation verifying that I ever took out these loans. They said they are just the collection agency and that verification supposedly came from the Department of Education, but no verification has been provided. 

Because this false reporting caused a drastic drop in my credit score, I began making payments just to try to stop the damage even though the loan is improperly assigned and incorrectly reported on my credit. 

Despite these payments, the loan is still being reported inaccurately and inconsistently ( including payment deferred and missed payments ). This is causing ongoing and unfair harm to my credit. 

Under FCRA 623, a furnisher must be able to verify the accuracy and ownership of any debt they report. Reporting a loan without proof is a violation of federal law.

There are EdFinancial student loan accounts appearing on my credit report that do not belong to me. These accounts were previously removed from my credit file and have now been reinserted without proper notice or certification, violating FCRA 611 ( a ) ( 5 ) ( B ). 

I contacted XXXX, and they stated they can not provide any proof that these loans belong to me. They admitted they do not have a promissory note, disbursement records, or documentation verifying that I ever took out these loans. They said they are just the collection agency and that verification supposedly came from the Department of Education, but no verification has been provided. 

Because this false reporting caused a drastic drop in my credit score, I began making payments just to try to stop the damage even though the loan is improperly assigned and incorrectly reported on my credit. 

Despite these payments, the loan is still being reported inaccurately and inconsistently ( including payment deferred and severe delinquencies ). This is causing ongoing and unfair harm to my credit. 

Under FCRA 623, a furnisher must be able to verify the accuracy and ownership of any debt they report. Reporting a loan without proof is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover refuse to do full investigation I was charged {$5.00} twice at self check out if they get video it will clearly show I scanned bag of grapes then it asked me to put on scale thats how I was charged twice discover claims they dont view video footage or audio which is ridiculous it happened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am writing to dispute the information currently reported by the following credit bureaus concerning my credit file. I believe that these accounts are being reported inaccurately, as detailed below, and I request a thorough investigation to resolve these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting that these entries be corrected or removed from my credit report. Below are the details for each account in dispute, separated by bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : I dispute the status of this account as " charged off '' with a balance of {$0.00}. I request verification of the accuracy of this charge-off, as I have no record of any late payments or defaults associated with this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : The account is listed as charged off, which I believe is inaccurate. There is no documented evidence of missed payments or default associated with this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : As with the other XXXX account, I dispute this charged-off status. There is no evidence or prior communication suggesting that this account was charged off or written off as a loss. 

Inquiries : XXXX CARD Date Opened : XX/XX/XXXX Discrepancy : I have no recollection of this inquiry. I request verification of the legitimacy of this hard inquiry and its accuracy on my XXXX  report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
CMG mortgage transferred their mortgage servicer. I received notices that they no longer had proof of insurance on my home. All of these documents were already held there. They provide a website to upload insurance documents, or they will force place insurance. I uploaded XXXX separate times. and still kept receiving notices that my Proof was not received. i had to call them, after XXXX wait time, the representative stated that he could not see anything uploaded for me. Then he asked if i had documents to show coverage, yes i emailed them, he stated what about last years? i said of course i was covered last year, you all have those documents. He stated since the transition they dont have many documents and many were not transferred over. i dont understand how that is my problem, to which he empathized but said if i didnt get it over i would be charged a prorated rate for the coverage of the insurance that was placed for me. i had to dig out my 24-25 policy and then my 25/26 policy and send it over. This is a horrible experience, i am sure that are people out there being impacted by this and dont have records to send and are being charged and having insurance placed, along with that the website is not working appropriately. there is not response once a submission is placed into the website, ie an auto email acknowledging receipt of documents, and/or feedback if the documents are not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had a promotional financing plan with my CareCredit account through Synchrony Bank. I was never clearly notified that the promotional period ended on XX/XX/XXXX. After the promotion ended, a large amount of deferred interest was added to my account all at once without a clear explanation, breakdown, or advance notice. 

In XXXX, my account suddenly showed a significant balance increase and a negative available credit amount. My balance jumped to {$3600.00} on a card with a {$2000.00} limit even though I had not made any new charges. My next payment due date also changed to XXXX without explanation. 

I contacted Synchrony Bank twice to request a full explanation of the interest charges, the promotional expiration timeline, and the sudden balance increase. I received conflicting and incomplete answers, and no written documentation or itemized breakdown was provided. XXXX representative was dismissive, and I was told the interest could not be reviewed or corrected even though I stated that I am willing to pay the remaining balance in full. 

I also want to note that I have never requested assistance, hardship programs, or special accommodations on this account. I have always handled my payments responsibly, which is why this sudden increase and lack of clear explanation has been so concerning. I am simply asking for a fair review and accurate information so I can resolve the balance properly.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB, I am submitting this complaint because Chase directed me to call a specific phone number for reconsideration of my credit card application after responding to my previous complaint. I followed their instructions exactly as stated, but the number Chase provided did not lead to any assistance or meaningful review of my application. 

When I called, I was unable to reach anyone who could access, evaluate, or reconsider my application. The call went nowhere, I was transferred without answers, and no one could help me with the reconsideration process that Chase said was available. I was not given an alternative method or any clear next steps. 

I relied on the information Chase provided in good faith. Their suggested solution did not work, and I was left without the opportunity for reconsideration. Because of this, I had to return to the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
this agency try to collect something i do not owe this money. 
I have never lived there. 
i sent this email and there is no answer in written, i am senior citizen and XXXX. 
Thank you for your kind attention to this matter. 

ProCollect XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX am writing to inform you that this charge is improper and fraudulent. 
attempting to charge me for something I know nothing about and where I have never lived there. 

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 2025-11-18 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: GA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I went to a Capital One branch located in XXXX XXXX, LA XXXX at about XXXX XXXXXXXX XXXX.The purpose of this visit was to deposit {$400.00} in cash into my checking account. Since it was after XXXX XXXX, I had to use the ATM ( the furthest ATM from the window ). When I arrived, I inserted my debit card and selected deposit cash. Once the machine was ready, I inserted some of the funds and then the remainder. The ATM machine began to make a crunching sound then the screen went blank. The ATM machine returned my debit card then the screen went XXXX. After first, I thought it was rebooting. Instead, an error message displayed stating, " Application Is Starting ''. At this point, I got worried and immediately called the claims department for Capital One. I explained that I tried to deposit funds and that the machine must have eaten the funds. I also asked if this was the correct way to set up a claim due to the funds not actually entering my account but being eaten up by the machine. I was told yes. While on the phone with the Claims department, the machine message changed and stated, " Out of Service ''. After this message was displayed it never changed. I remained in line and on the phone with Capital One until the claim intake process was completed. I took photos of the machine. I filed a claim in this matter and I keep getting a declined. I have requested investigation documents and they are looking at ATMs in New Jersey. I live in Louisiana. I was also provided with a copy of my bank statement for that month. I understand that the funds were not deposited but rather destroyed by the machine. So my question would be what happened to the cash when a repair person had to come out and fix the machine. I am sure the cash had to be removed. Where did it go? I even had an attorney send a letter and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I've received multiple Spam emails from Milestone Mastercard over the last XXXX months or more. I've blocked reported as Spam and have blocked the email, but more emails come from different addresses. 

The emails have an option to follow a link to unsubscribe, but once on the website, no unsubscribe option is available. 

This is the link supplied in the email. 

XXXX XXXX XXXXXXXX? XXXX I've attempted to unsubscribe multiple times, but the site does not actually support the possibility to unsubscribe. 

Here is more information about the company allegedly sending these messages. " XXXX is a registered trademark of Concora Credit Inc . The Milestone Mastercard is issued by The Bank XXXX XXXX and serviced by Concora Credit Inc. ( XXXX XXXX XXXXXXXX ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-18 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: GA

Complaint narrative:
b'Accounts in Dispute  Charged XXXX  Bank Corp  Account XXXX XXXX XXXX XXXX XXXX, Date: XXXX BalanceXXXX XXXX XXXX XXXXXXXX  Account #: XXXX XXXX XXXX, Balance: XXXX in Dispute:XXXX XXXX XXXX XXXX   Date: XXXX Statement:\n\nI am disputing the above accounts and inquiry on my Experian credit report. I do not recognize the reporting for these accounts and inquiry, or I believe they have been inaccurately reported. I request that Experian conduct a full investigation and correct or remove these entries as required under the Fair Credit Reporting Act (FCRA).'

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 2025-11-18 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:
Could you look at what I wrote? Its late and might have errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-18 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: MA

Complaint narrative:
unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that I did not verify as required by law on my consumer report.

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