vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I formally dispute the accuracy and ownership of the XXXX XXXX XXXX Charge Off account ( Date opened : XX/XX/year>, Balance : {$900.00} ). I assert this is an inaccurate entry that does not belong to me. 

I have attempted to dispute this entry twice ( around [ Insert Date of First Attempt ] and [ Insert Date of Second Attempt ] ) via Experians online platform. Despite my requests, Experian has failed to process the dispute and launch the mandatory investigation required by FCRA Section 611, effectively blocking my right to challenge unverified information. The system continually rejected my dispute or kept the status as 'Potentially negative '.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Failure to Complete Investigation / Incorrect Claim That I Am Not the Consumer I submitted a dispute to TransUnion regarding inaccurate information appearing on my credit report. As required, I provided all requested identification information, including copies of my government-issued ID and proof of address. Despite this, TransUnion responded by stating that they could not process my dispute because they allegedly could not confirm I am the consumer. 

I resubmitted my identification a second time, again providing valid documents proving my identity. TransUnion still refused to complete the investigation and again claimed they could not verify that I am the correct consumer. 

TransUnion has not conducted the investigation required under the Fair Credit Reporting Act ( FCRA ) within the required timeframe. They have also failed to explain why my valid identification is not acceptable. Just stating it did not come from me. 

TransUnion is required under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of disputed information.

I provided valid, legible identification documents twice.

Their refusal to process my dispute is preventing me from correcting inaccurate information on my credit report.

This has caused me harm, including : Denial of credit Emotional distress and wasted time

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: ME

Complaint narrative:
Institution : Discover Bank XXXX Discover Financial Services Account Last 4 Digits : XXXX Borrower ( Deceased ) : XXXX XXXX XXXX : Estate of XXXX XXXX XXXX Address ( if tied to XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank is obstructing a court-mandated probate process by refusing to recognize a court-appointed Special Administrator and refusing to communicate with the authorized representatives legally designated by him. Discover is also withholding required documents ( payoff, lien/writ release, or 1099-C ) necessary to settle the estate and close probate. 


The borrower is deceased. 
The Maine Probate Court appointed Attorney XXXX XXXX XXXX as Special XXXX. 
Under Maine Probate Code Title 18-C, the Special Administrator has full authority to settle debts of the estate and grant third-party authorization to professionals assisting with the sale or liquidation of property.

Discover has been provided copies of : Death Certificate Letters of Authority appointing Special Administrator Third-Party Authorization signed by the Special Administrator granting authority to communicate on the estates behalf Despite this, Discover repeatedly refuses to speak to or provide information to the authorized representatives, even after receiving legal authorization signed by the Special Administrator.

Violations Discovers refusal to communicate with authorized representatives acting on behalf of the court-appointed Special Administrator may constitute : Unfair and deceptive practices ( 12 U.S.C. 5531 UDAAP ) Refusal to honor legal fiduciary authority under state probate law Obstruction of a mandated debt/liability resolution process Improper attempt to collect/maintain a lien or claim without providing documentation Harm Discovers refusal to communicate and failure to provide required estate documentation has resulted in : Inability to release a lien/writ attached to estate property Delay in real estate liquidation required by probate Compromised buyer contracts and closing deadlines Accrued financial harm to the estate Risk of foreclosure or loss of buyer due to Discovers refusal to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I was recently contacted about a debt allegedly owed to UNITED AUTO CREDIT CO. I do not have sufficient information to confirm that this debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-19 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute statement regarding inaccurate and incomplete reporting of charged-off accounts, inquiries, and late payments on my credit reports. The accounts listed below are under dispute across the three major credit bureaus : Experian ( XXXX ), CHARGED OFF ACCOUNTS : XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$20000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$980.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$370.00} LATE PAYMENTS : XXXX XXXX XXXXXXXX, 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 2025-11-19 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: TX

Complaint narrative:
This letter constitutes a formal request to remove the referenced accounts from my credit file. I did not open or approve them, and they appear fraudulent. Kindly investigate and refer to the enclosed documents.

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 2025-11-19 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
On XX/XX/year>, I purchased furniture from XXXX XXXX in XXXX XXXX using the Synchrony XXXX XXXX credit card. The store employees strongly recommended that I apply for this card, and I agreed only because they specifically told me that there would be no fees, no additional charges, and no interest for 24 months if I made my payments within the promotional period. 

Shortly after the purchase, I noticed recurring monthly charges labeled PYMT CARD SECURITY XXXX ( XX/XX/XXXX : {$41.00}, XX/XX/XXXX : {$40.00} ). I never authorized, requested, or enrolled in any Card Security or payment protection program. This program was added to my account without my knowledge or consent, despite the store telling me that there would be absolutely no fees and no interest charges. 

I contacted Synchrony Bank for clarification, but they did not provide a clear explanation, did not offer a refund, and could not explain why this unauthorized program was placed on my account. Their response was unhelpful and dismissive. 

These charges are unauthorized, misleading, and contradict the information provided to me at the time of the application. The stores recommendation led me to apply for a card under false information. 

Additionally, because this unauthorized fee increased my balance, my credit score dropped significantly. My score, which consistently remained around XXXX, has now fallen to approximately XXXX, affecting my overall credit standing through no fault of my own. 

I request the CFPB to investigate this matter and require Synchrony to : refund all Card Security fees charged to my account, permanently remove and cancel the Card Security program, restore the correct terms of my 24-month no-interest plan, correct any negative credit reporting caused by this issue. 

My Synchrony XXXX store card account ends in XXXX. 

I am seeking assistance because these fees were added without my knowledge or consent, and the company did not resolve the issue when I contacted 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 2025-11-19 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Sir or Madam : I am writing to formally dispute a charge on my account under the Fair Credit Billing Act. The charge in question is for a stay at XXXX XXXX XXXX XXXX ( or correct name ) on [ dates ], in the amount of $ [ amount ]. I request that this charge be refunded and that any reverse charge ( or reversal ) from my account be undone, because the services I paid for were not provided in a safe or acceptable manner. Unsafe and Illegal Conditions at the Hotel also they charge my debit card twice without my consent During our stay, I discovered what I strongly believe was illegal drug use ( XXXX ) occurring on the property. The smell of heavy smoke was pervasive and seemed to be coming from nearby rooms or common areas. 
This was especially concerning because I was staying with my children, and the smoke was clearly affecting their wellbeing. Because of the severity of the smoke, we were forced to leave the hotel early for our own safety. 
We were later taken to the hospital due to breathing problems this can be documented via medical records, if necessary. I was credited a refund and later hit with reversal. I have witness that can confirm. Ive contacted my bank capital one and they told me to file a complaint if I want charges removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I have been trying to make a purchase for a new vehicle and for some reason that put my account on hold to where I can not access my mobile banking app or access the funds in my account I need to access my funds as soon as possible I will be closing my account I have provided proof that I am the one making the purchase and they still will not unlock my account or release my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a closed checking account with Huntington that had an overdrafted balance. A letter I received from Huntington stated that the balance would be sent to collections. The letter did not state that Huntington would remove funds from my other active account.

Despite this, Huntington suddenly depleted the funds from my active account without providing any advance notice. The communication I received led me to believe the matter would be handled through collections, not by an internal withdrawal. 

Because of this unexpected action, the money I had set aside for my electric bill, which was scheduled to come out automatically, is no longer available. This places me at risk of a bounced payment and additional fees. 

I attempted to resolve this with customer service. The representative I spoke with, XXXX XXXX, refused to provide an employee ID number for documentation, and stated that Huntington can not provide any courtesy refund or adjustment despite the misleading notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: WI

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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I moved out my old apartment on XXXX XXXX. The company and I went to court and the company did not show up and now I am in collecting.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  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 XXXX  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 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 2025-11-19 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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