vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: TN

Complaint narrative:
I am an ongoing victim of Identity Theft, first affected in XXXX. My personal information has been compromised since, and I have filed all the required reports and notifications with the police and credit reporting agencies. In XX/XX/XXXX, a fraudulent XXXX XXXX XXXX credit card totaling {$15000.00} was reported as to my credit files. I immediately contacted XXXX, and shared that the account was unauthorized and identity theft. XXXX said they would investigate and I would receive mail notifying me of the results. In XX/XX/XXXX, after not receiving any correspondences, I called again and sent a formal dispute letter to XXXX. I have contacted Experian, and the company has not removed and blocked the account from my credit file. I have constantly dispute the account 's validity. Experian has responded that XXXX verified the account as mine, while XXXX responded the account was unverifiable and removed it and continues to block the fraudulent account from my report. Since, I have gone back and forth with XXXX and Experian about this fraudulent/identity theft account without any just resolution of this issue, I am asking for this agency 's assistance to do so.

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 2025-09-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint concerns inaccurate credit reporting by the U.S. Department of Education regarding my student loan. The account first became delinquent in XXXX and has remained in default ever since. Despite this, Experian now shows the account as if the delinquency occurred in XXXX, with an on record until date of XXXX. 
This reporting is inaccurate and violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report the actual Date of First Delinquency ( DOFD ) that led to default and was never again brought current. A forbearance in XXXX did not erase the original delinquency or reset the 7-year reporting clock. Reporting the account as newly delinquent in XXXX constitutes illegal re-aging, which artificially extends how long the derogatory information remains on my credit report. 
I previously disputed this with the prior servicer ( XXXX ). Their response acknowledged assignment errors but did not provide documentation of any payments after XXXX that would justify resetting the DOFD. They failed to correct the record. 
I am requesting that the Department of Education correct the DOFD to XXXX and adjust the credit reporting accordingly so the account ages off by XXXX. If the furnisher can not provide documented proof that the account was ever brought current after XXXX, the tradeline should be deleted entirely as unverifiable.

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 2025-09-27 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: AL

Complaint narrative:
Upon reveiwing my account in XX/XX/year>, I found the following accounts to be innaccurate, fraudulent, & unverifiable. 

Accounts to be deleted Portfolio for {$890.00} XXXX XXXX XXXX for XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inaccurate employers include XXXX, XXXX  XXXX Under 15 U.S.C. 1681e ( b ) you are required to ensure maximum accuracy of the information you report. Under15 U.S.C. 1681i ( a ) ( 5 ) any item found to be inaccurate, incomplete, or unverifiable must be deleted or corrected immediately. Under 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ( A ) furnishers may not report data they know or have reason to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: AL

Complaint narrative:
Upon reveiwing my account in XX/XX/year>, I found the following accounts to be innaccurate, fraudulent, & unverifiable. 

Accounts to be deleted Portfolio for {$890.00} XXXX XXXX XXXX for XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX addresses include XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inaccurate employers include XXXX, XXXX  XXXX Under 15 U.S.C. 1681e ( b ) you are required to ensure maximum accuracy of the information you report. Under15 U.S.C. 1681i ( a ) ( 5 ) any item found to be inaccurate, incomplete, or unverifiable must be deleted or corrected immediately. Under 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ( A ) furnishers may not report data they know or have reason to believe is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
TRANSUNION, XXXX  AND EXPERIAN ARE VIOLATING MY RIGHTS. I HAVE BEEN VICTIMIZED WITH SOMEONE ABUSING MY CONSUMER FILE TO OPEN AND OBTAIN FRAUDULENT GOODS ITHOUT MY CONSENT. I HAVE SENT ALL 3 BUREAUS REQUESTED documentation OVER 9 TIMES AND EACH TIME THEY KEEP STALLING SAYING THAT ALL DOCUMENTS WAS NOT ENCLOSED AND THEY WERE. I SENT CERTIFY MAIL AND THEY RECIEVED IT AND CLAIM THEY DID NOT. I SPOKE WITH SPECIAL HANDLING TEAM AND WAS TOLD ACCOUNTS LISTED IN FTC REPORT WOULD BE REMOVED AND BLOCK FROM DISPUTING WITHIN 4 DAYS, STILL TO THIS DAY THEY ARE STILL REPORTING ACCOUNTS CAUSED BY 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 2025-09-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
Money was deposited to the Cash App account on XX/XX/year> in the amount of {$3500.00}. XXXX casino took {$3500.00} out the Same day. I reached out to XXXX to advise them this was not authorized and they needed to refund the money. They stated they had to report it up. I reached out to Cash App and they have not refunded my money and I advised them this was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXeXX/XX/XXXXXXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXX/XX/XXXXXX/XX/XXXX - {$0.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$3000.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$4300.00} XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$220.00} XXXXXX/XX/XXXX- XX/XX/XXXX - {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>XXXX  there was a withdrawal from an ATM for the amount of {$100.00} and another ATM withdrawal for the amount of {$200.00} and they were both non-Chase ATM withdrawals however I do not make Non-chase ATM withdrawals. When I seen them, I called my bank immediately and reported it. They went ahead and refunded me the money however a couple weeks after they took the money back and said that the charges were not fraudulent and would not give me the money back however I informed them that I did not make these charges. I am XXXX XXXX XXXX and I can not go to the ATM without my XXXX. I did not make those charges at that ATM I requested to know where those charges were and they would not let me know until I had my XXXX  ask a few times and then they let her know that they were made at a gas station on XXXX XXXX that I have never been to I have no means of transportation to get there nor have I ever been there. And they are refusing to refund me this money. I am on a fixed income and can not afford the extra charges that have been taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX this company is violating my rights they have never give me validation information under 12 cfr 1006.34 ( b ) ( 5 ) YET THEY PUT IT ON MY CREDIT REPORT PLACED A COLLECTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have a loan through the XXXX XXXX XXXX XXXX via my school, XXXX XXXX XXXX, and it is currently serviced by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). For the past 4 years, I have worked as a XXXXXXXX XXXX XXXX XXXX  and have submitted the required employment verification paperwork annually to qualify for loan cancellation. 

The original loan amount was {$13000.00} with a fixed 3 % interest rate, and I have documentation to verify this. Each year, after submitting proof of full-time employment as a XXXX XXXX my loan balance decreased by the appropriate cancellation percentage. This year was set to be my final year of required documentation, leaving the balance at 15 % of the original loan amount plus accrued interest. 

On XX/XX/year>, after submitting my employment paperwork, my account reflected a balance of {$1900.00}, which was correct based on the 4 years of cancellation applied against the original loan amount. However, when I checked again on XX/XX/year>, the account suddenly showed that my original loan amount had been changed to {$17000.00}, and my balance was listed as {$6500.00}. The company is now claiming that {$17000.00} was my original loan amount, but I have multiple documents from their own websitedating back to XXXX clearly show the original loan amount was {$13000.00}. At no point in my records does it indicate any other amount. 

Additionally, while the loan is supposed to have a fixed 3 % interest rate, I have found two separate instances in past records where the rate was listed incorrectly at 8 %, before later reverting back to 3 %, which is where it currently stands. 

I have already spoken twice with XXXX representatives by phone, and each time I was told the matter would be reviewed. I have also emailed two different contacts and provided all supporting documentation, but I have not yet received a clear explanation as to why these changes occurred. 

I hope you can assist me in resolving this issue. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: AL

Complaint narrative:
Demand for Immediate Investigation and Removal I am writing to formally dispute the accuracy and legitimacy of the collection account reported by Capital Management XXXX XXXXXXXX listed on my credit report. This account is erroneous, unverifiable, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and recent regulatory actions. 
Basis for Dispute 1. Data Integrity Compromised XXXX  Breach In light of the recent XXXX  data breach disclosed in XXXX, I have reason to believe that my personal information may have been compromised and misused. Any data furnished by Capital Management must be revalidated under heightened scrutiny. XXXX, XXXX, XXXX  has a legal obligation under 1681e ( b ) of the FCRA to ensure maximum possible accuracy, especially following a breach. 
2. This account may be part of a portfolio affected by those violations. Continuing to report this account without proper validation constitutes willful noncompliance.

3. No Contractual Privity or Chain of Title I demand documented proof of the chain of assignment to Capital Management. Without a valid contract or assignment, Capital Management has no standing to collect or report this debt. See XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which affirms the necessity of a valid assignment. 
4. Pre-Arbitration Notice This letter serves as a formal pre-arbitration notice. If this account is not removed within 30 days, I will initiate arbitration proceedings under the terms of your consumer agreement and applicable laws. I reserve the right to seek damages for negligent reporting, emotional distress, and statutory violations. 
Demand for Action I demand the following : Immediate deletion of the Capital Management account from my credit report. Full reinvestigation of the account under 15 U.S.C. 1681i. Written confirmation of the results of your investigation. Disclosure of all documents used to verify the account, including contracts, payment history, and assignment records. Failure to comply will result in arbitration and/or legal action.

Sincerely, XXXX XXXX XXXX XXXX. Attorney General CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out of the rental property mid XX/XX/year>. I was told I had to pay the rent up to XXXX in order to give 60 day notice. I paid the rent up until XX/XX/year>. This collection item just showed up this year from a company named PROCOLLECT.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I purchased a travel package through XXXX, which included both hotel and airline tickets for a trip to XXXX. Because the package included flights, I was required to pay in full at the time of booking. 
The confirmation email from XXXX clearly stated that I could cancel my hotel reservation with no fee if I did so at least 3 days before arrival. 
On XX/XX/year>, I cancelled my hotel reservation through XXXX website. I immediately received a cancellation confirmation email showing I was entitled to a full refund. I then booked a different hotel. 
After waiting several days and not receiving my refund, I contacted XXXX multiple times. Their representatives repeatedly assured me that refunds can take time and that I would receive the money soon. After more than two weeks with no refund, I reviewed my bank statement and discovered the charge was processed by XXXX, not XXXX. 
I had never knowingly used XXXX for this booking. When I called XXXX, they requested my reservation number. I provided the XXXX confirmation number, but XXXX stated that their system could not use that number and refused to assist me further. 
At that point, I contacted Chase bank and filed a claim on XX/XX/year>. Chase approved the claim and refunded the money. However, on XX/XX/year>, XXXX disputed the claim, claiming that I had agreed to their terms and conditions. Based on this, my Chase reversed the credit, and I now owe {$1200.00}. 
This dispute is fraudulent for two reasons : I never made a purchase directly through XXXX. My booking was through XXXX, and I was never presented XXXX terms and conditions. 
I was fully compliant with XXXX stated cancellation policy. I cancelled well before the deadline and received written confirmation that I was due a full refund. After providing Chase bank my documentation and it was clear that my purchase didn't happen with XXXX but with XXXX, they stated they can only go by what the merchant provided and can not reopen claim. 
I have since contacted all four parties involved without resolution : XXXX : no resolution provided. 
XXXX : refuses to recognize XXXX confirmation and terms. 
XXXX XXXX : informed me that XXXX must handle refunds since the purchase was not made directly through the hotel. 
Chase Bank : No resolution provided. 
As a result, I am left with no refund despite being fully entitled to one under the stated terms. 
I believe this constitutes a deceptive and fraudulent business practice, designed to block consumers from recovering legitimate refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I reported fraudulent activity on my PNC personal credit card account in the beginning of XX/XX/year>. I was told by PNC they were going to close my account and I would receive a new card in the mail. Today is XX/XX/year>XXXX  and I noticed new fraudulent charges to the credit card that was supposed to be closed. I asked how did these charges go through on an account that PNC was supposed to close and they can not provide an answer for that. I was also told that my new card that was issued at the beginning of XX/XX/year>XXXX  is now lost in the mail because I never received it. I did confirm my address with both representatives from the first time I called and on today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding XXXX XXXX XXXXXXXX XXXX XXXX as I believe they have acted improperly in recharacterizing my account without my knowledge or consent and subsequently reporting it to credit bureaus. 

When I initially entered into this arrangement with XXXX XXXXXXXX XXXX XXXX XXXX I did so under the understanding that the account would not involve any credit reporting. This was a key factor in my decision to proceed with the agreement. However, I recently discovered that the account has been recharacterized, and it is now being reported on my credit file. This change was made without my knowledge, consent, or any prior notification. 

This action has caused significant distress and has potentially impacted my credit standing. I believe this behavior is both unethical and potentially in violation of consumer protection laws. I am requesting the CFPB to investigate this matter and ensure that XXXX XXXX XXXX XXXX XXXXXXXX is held accountable for their actions. 

To assist with your investigation, I am happy to provide any relevant documentation, including copies of my original agreement with XXXX XXXX XXXX XXXX XXXX, correspondence, and evidence of the credit reporting. Please let me know if additional information is required. 

I have attached the terms of service from when I signed up on the mobile application. 

I kindly request that the CFPB take the following actions : Investigate XXXX XXXX XXXX XXXX XXXX practices regarding account recharacterization and credit reporting. 
Ensure that any unauthorized or inaccurate credit reporting is corrected immediately. 
Provide guidance on how I can protect my rights and prevent further harm to my credit.

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