vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted TransUnion and Equifax previously to request complete and verifiable information regarding these alleged debts. To date, I have not received any supporting documentation, contracts, statements, validation notices, or proof of ownership for any of the accounts. Until proper verification is provided, these accounts must be considered unverified and therefore inaccurate and incomplete for reporting purposes. 

Accounts in Dispute XXXX XXXX XXXX Opened XX/XX/XXXX {$470.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$510.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX  Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5700.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$5800.00} XXXX dispute the accuracy, validity, and legal ownership of each of these accounts. I request that your agency : Provide full verification, including original creditor information, itemized statements, account history, and proof that these debts belong to me. 

Remove any account that can not be fully verified within the timeframe required by the FCRA. 

Provide an updated copy of my credit report once the investigation is complete. 

Several of these accounts also list dates that appear inconsistent with my records and may reflect incorrect or impossible reporting timelines ( e.g., accounts allegedly opened in future dates such as XXXX ), which further supports the need for a complete review.

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 2025-11-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, an unauthorized online purchase was made using my XXXX credit card. I immediately contacted customer service to report the fraudulent transaction and requested that the delivery be stopped. However, the company did not stop the delivery and still charged the full amount to my account. 
Because of this unauthorized charge, my available credit dropped to zero, and I am unable to use my card. In addition, my monthly payment amount was increased due to this charge, even though I did not make or authorize the purchase. 
I am requesting that this charge be removed from my account, that my available credit be restored, and that my monthly payment be corrected. I would like this matter to be investigated and resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-26 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: MS

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 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I still have an outstanding balance with XXXX  mobile, i have a balance that is owed from my phone that i purchased with them. I no longer have an account with them for internet and mobile and has been cancelled a long time now. It now has went to collections with the company Credence Resource Management LLC. I owe {$230.00} and the debt collector keeps calling me, sometimes multiple days in a row, some times spaced out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am a customer of chime fake bank I had a dispute with XXXX on XX/XX/XXXX it was for XXXX and on the XXXX I had a problem and I returned a couple of items and they gave me a return on my card for XXXX when they approved my dispute for the XXXX they only approved {$37.00} of it and they said XXXX was already given to me by XXXX which it wasn't it was for a totally different order I've been up and down with them all day long they made my account negative they didn't even give me the credit they were supposed to give me for {$37.00} they took everything I had it's XXXX tomorrow I have no money and nobody will listen to me they keep hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I got an email of a death collection because my ex-girlfriend decided to open something under my social when I was never with her when she opened the account I didnt live in Missouri in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was automatically paying the minimum monthly payment. In addition, I paid more than that voluntarily. Suddenly I got notice of rejected payment for the entire balance of all three cards. I never authorized it. Somehow it was changed. Capital one canceled all my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: IL

Complaint narrative:
I was mailed a mail from January Technologies saying that I owe {$380.00} to XXXX XXXX in XXXX for XXXX XXXX XXXX XXXX XXXX I have never heard of this/them and owe them absolutely nothing. They have my home address and sent the mail there. I callled January Technologies who insisted I give them personal information in order to share the origination date which was allegedly XX/XX/year>. Again, this is completely fraudulent and I do not owe this company any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: SC

Complaint narrative:
In XX/XX/year>, the servicer received legal documents showing that I was no longer responsible for the mortgage loan, including : A Final Divorce Decree assigning the property and all financial/legal obligations to the other borrower A Separation Agreement A recorded Quitclaim Deed transferring all ownership interest to the other borrower On XX/XX/year> at XXXX XXXX, two representatives confirmed that I was removed from the loan and mortgage in their system. Despite this, the company refuses to provide written verification showing the date of my removal or any documentation confirming that I am no longer liable. 

The servicer also refuses to notify their foreclosure attorneys that I am not a proper party to the lawsuit unless the other borrower gives authorization even though I am no longer an account holder and have the legal right to request my own liability status. 

I have repeatedly requested documentation under 12 U.S.C. 2605 ( e ) ( RESPA ) and S.C. Code 37-20-110, which require a servicer to provide accurate account information upon request. The servicer continues to refuse. 

The foreclosure attorneys are now listing me as a defendant in a foreclosure action, even though the divorce court assigned the loan solely to the other borrower and I transferred the property through a recorded deed. This creates serious and unfair harm to me, including potential credit damage for a loan I am not legally or contractually responsible for.

I am asking the CFPB to require the servicer to : 1. Provide written verification showing whether and when I was removed from the loan.

2. Correct their records identifying me as a borrower.

3. Notify foreclosure counsel that I am not a proper party.

4. Ensure the foreclosure does not appear on my credit since I am not financially liable for the loan.

Their refusal to provide documentation and correct their records is causing ongoing legal, financial, and emotional harm, and I need the CFPBs intervention to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX  listed various classic cars for sale I decided to purchase a XXXX XXXX received the Purchase contract and procceded to wire {$18000.00} XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX using Chase Bank and the Wire was going to another Chase Branch in XXXXXXXX XXXX XXXXXXXX Acc # XXXX on XXXX car ws to be delivered on XX/XX/XXXX on the morning of XX/XX/XXXX XXXX XXXX  person stopped answering the phone and I procceded to notify Chase Bank to recall the wire which they did not. I contacted police in XXXX XXXX  and was told the place does not sell Classic cars and the car involved in the transaction was sold 5 years ago. I contacted the XXXX XXXX XXXX where I reside and got a police report # XXXX and also filed a fraud report XXXX the bank refused to help and the police agencies and also refused to help. The owner of this company is XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXXXXXX he is the probably the mastermind of the scams going on and everybody refuses to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-26 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 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: CA

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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
My car was broken into in XXXX filed a police report and froze the cards. When I reported it to TD Bank the same day they deactivated the card. The card account was no longer available online or in the app. XXXX XXXX weeks later I received a replacement card. I attempted to activate it. Was unable to activate the card. Went to the branch a second time and was not helped. I repeatedly reached out to TD to rectify the situation. Repeatedly wait times were an hour plus and I requested calls back which never came.on Saturday XX/XX/XXXX after 3 hrs on hold and over a month of trying to rectify the situation I spoke to XXXX at customer service who finally was able to reinstall my access and informed me he was able to but it would take 24 hrs. He said he would notate the case to prevent any undue issues to my credit due to the financial responsibility I have. Today while preparing to acquire financing to move my mother I was alerted that td bank had applied a 30 days passed due to the account which has dropped my credit score to the point I can no longer qualify for the loan to keep my mother in her house. I make over $ XXXX a year and my accounts are paid early monthly. Every other account of mine is in perfect standing and there was thousands of dollars in an associated account. Thru no fault of my own I was victimized by a criminal and than by my bank. I have over 9 years with out a late payment to anyone and now because of lack of training and a technology issue on their part im affected unfairly which has serious financial repercussions to myself but also my mother 's living situation safety and health. I will be closing the accounts but there needs to be accountability and they need to restore my pristine credit ive worked my life to build

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am submitting this update to my pending complaintXX/XX/XXXX XXXX to document a new inconsistency in Synchrony Banks dispute-handling process. On XX/XX/year>, I received a letter from Synchrony stating that I had contacted them about a billing dispute for {$1200.00} dated XX/XX/year>. I have never purchased for that amount, nor have I filed a dispute for {$1200.00}. 
This letter is entirely unrelated to my actual dispute concerning XXXX XXXXXX/XX/XXXXXXXX ( {$610.00} ), yet it was sent to me as if it were connected to my account activity. This suggests that Synchrony may be misassigning complaints or generating automated dispute letters that do not correspond to the facts submitted by the consumer.

I am providing this because it reinforces the primary issue raised in my complaint : Synchronys dispute-resolution process appears to rely on repetitive template letters, inconsistent responses, and now an erroneous communication referencing a dispute I never filed.

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), creditors are required to conduct a reasonable investigation of the specific disputed transaction. The repeated issuance of incorrect or irrelevant correspondence strongly suggests that Synchrony is not performing a fact-based review of the actual evidence I have submitted, including the written admission from Amazon confirming that the product delivered was misrepresented ( XX/XX/XXXX instead of the advertised XXXX XXXXXX/XX/XXXX). 
I am submitting the XX/XX/XXXX letter to ensure the CFPB has an accurate and complete picture of the inconsistencies occurring during Synchronys handling of this dispute. My intent is not adversarial ; I simply want the record to be clear so that the Bureau can evaluate whether Synchronys process meets federal requirements for dispute investigations. 
Thank you for your continued attention.

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 2025-11-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief