vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$550.00} Past due {$550.00} XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$560.00} Past due {$560.00} XXXX XXXX XXXX Debt Buyer Account | Reported on XX/XX/XXXX Balance {$300.00} Past due {$300.00} XXXX XXXX XXXX Late payment details Account details Balance {$0.00} Past due Date closed XX/XX/XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account type Installment Account number XXXX XXXX Account status Pays As Agreed First delinquency date Times 30 60 90 days late 1/0/0 XXXX XXXX XXXX Collection details Account details Balance {$550.00} Past due {$550.00} Date closed Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account type Other Account number XXXX XXXX Account status Collection First delinquency date XX/XX/XXXX Times 30 60 90 days late 0/0/0 XXXX Charge off details Account details Balance {$0.00} Past due Date closed XXXX XXXX, XXXX Date opened XX/XX/XXXX Account name XXXX Account type Revolving Account number XXXX XXXX Account XXXX Charge Off First delinquency date XX/XX/XXXX Times XXXX XXXX 90 days late XXXX XXXX Bank Charge off details Account details Balance {$770.00} XXXX XXXX {$770.00} Date closed Date opened XX/XX/XXXX Account name XXXXXXXX XXXX XXXX XXXX details Account details Name XXXX Date XXXX XXXX XX/XX/XXXX XXXX UNSECURED Balance {$0.00} Original Balance {$1000.00} XXXX XXXX Installment Balance {$0.00XXXX XXXX XXXX XXXX Other Collection Agencies Balance {$830.00}

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a verified settlement check from XXXX XXXX XXXXXXXX into my Chase checking account on Sunday, XX/XX/year>. As of today, Thursday, XX/XX/year>, the funds have not been released. 

Chase has placed a 7-day hold on the check, claiming they need to verify with the issuing bank. XXXX XXXXXXXX XXXX does not verify checks over the phone, and I have alternative verification available : written or verbal confirmation from my attorney XXXX, and XXXX  can provide fax confirmation. 

Chase refuses to release the funds despite these verification options. This delay is causing significant hardship related to moving and emergency expenses. 

I request immediate release of these funds and an explanation for why Chase is holding verified funds beyond a reasonable time, in violation of Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I reviewed my credit reports and discovered several accounts that are being reported inaccurately and without proper verification. A loan from XXXX XXXX XXXX XXXX continues to show as a charge-off with a balance of over {$4500.00} but no Date of First Delinquency or itemized accounting to justify the amount. Multiple collection agencies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are reporting balances ranging from {$99.00} to over {$2200.00}, but none have provided proof of ownership, a complete chain of title, or detailed ledgers showing how the balances were calculated. Some accounts even conflict across bureaus, such as XXXX XXXX, which shows two different balances depending on the report. Insurance-related collections from XXXX XXXX XXXX and XXXX are also being reported without any policy documents, claim details, or billing records. In addition, several hard inquiries appear from XXXX and XXXX, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I did not authorize and which have not been validated for permissible purpose. Finally, outdated addresses from Texas and Florida remain on my file, increasing the risk of mixed or merged credit information. These errors remain unresolved despite being highly damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint regarding Midland Credit Management ( MCM ) for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with a debt they purchased from XXXX Bank. 
1. Harassment by Phone Calls MCM repeatedly called me multiple times per day, often back-to-back, which I believe was intended to harass and intimidate me.

2. Illegal Third-Party Contact MCM contacted my ex-husband at his workplace regarding this alleged debt. I am in a high-conflict divorce, and this unlawful disclosure has caused me severe distress and has the potential to be used against me in family court. They have also involved my minor child and ex-mother-in-law.

3. Improper Service of Legal Documents In their lawsuit against me, MCMs process server improperly left court papers with my nine-year-old daughter at my ex-husbands home. Serving legal documents to a minor is invalid and unlawful.

4. Deceptive Practices I contacted MCM in good faith to request settlement assistance due to financial hardship as a single mother. They asked me to provide my new address, promising to work with me on reducing the balance. Once I provided it, they immediately refused any settlement and demanded full payment. This feels like a deceptive tactic to obtain my personal information under false pretenses.

5. Failure to Validate Debt Despite my dispute and request for validation, MCM has continued to attempt collection and report the account to the credit bureaus without providing proper documentation.

Consumer Harm Emotional distress and harassment from repeated calls.

Damage to my reputation and family court case due to third-party contact.

Exposure of my child to improper legal service.

Financial harm due to inaccurate credit reporting and refusal to negotiate in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I bought two Amex XXXX XXXX for {$750.00} each, So total {$1500.00}. After a year later I still haven't been able to use them. Over the last year, I have tried to use them 10 times, but they have always been declined. I would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-08-21 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: MO

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-21 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Expe

rian under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ). More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the
agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 
As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: MI

Complaint narrative:
The last set of questions did not have the exact choice however, I chose one to move forward. I sent a written credit verification request to Jefferson Capital Systems LLC related to an account placed on my credit report from XXXX. I requested the original contract bearing my original signature they sent me a contract I do not recognize with a fradulent signature. Someone signed the contract from Jefferson Capital and forwarded it to me this is illegal and unethical for a company to go to such lengths to do this for collections as if a person doesn't reconize his or her own signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
They didn't give me the dates. The company is XXXX, and these are the amounts : XXXX XXXX XXXX XXXX XXXX I swear I have never applied for or received this money!

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 2025-08-21 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: VA

Complaint narrative:
I am a student loan borrower who has been a public servant for over 19 years. I am pursuing PSLF, in which I have been stuck in limbo since XX/XX/XXXX. Currently my loan shows XXXX payments of XXXX made. This status has been since XX/XX/XXXX. I have been on the OLD IBR ( enacted by Congress ) since I started PSLF and was set to recertify my income in XX/XX/XXXX. I submitted my recert application XX/XX/XXXX, Mohela received XX/XX/XXXX. I was placed on a 45 day forbearance. I also have a print out attached showing the loan status change into Administrative Forbearance ending XX/XX/XXXX. Then I received another notice 30 days later about the delay so now I have to wait 90 days to process. Mohela rec 'd a directive by Dept. of Ed. stating that we are now required to refile because the form was updated. I submitted via FSA web portal. Rec 'd documentation from Mohela that they rec 'd. I uploaded with my application XXXX and XXXX tax returns and permission to view my IRS info. Still no change. I was awarded a " Return 2 Repayment '' mediation on XX/XX/XXXX. Nothing changed. Dept of Ed states " if your IDR application has not been processed, we need to refile ''. I refiled with XXXX tax returns both via FSA Portal and uploaded a wet signature application with XXXX tax returns attached. Still nothing. my interest started accruing XX/XX/XXXX. Yet, still no IBR recalculation. I was informed by a Mohela Supervisor in " resolutions dept '' that I should refile as a new plan change instead of recalculation. She was hoping that would help start kick my application processing. Well unbeknownst to me, that canceled all other applications and placed me on the " back of the line '' since applications are being processed as first come first serve according to Mohela rep. I have been trying to fulfill my legal obligation to the Government and my Master Promissory Note states. Mohela is preventing me from returning to repayment with less than 8 months left on my PSLF. I submitted a buyback request in which FSA still backlogged. The current repayment plan is clearly UNAFFORDABLE and I can not make " qualifying payments '' if I can't afford them. I am being forced into forbearance even though I was never part of the SAVE litigation as the OLD IBR ( enacted by congress ) was unaffected until after my application was submitted. OLD IBR plans were still being calculated but MOHELA refused to calculate my payment. I have been accruing interest daily with the only thing changing is MOHELA extending my forbearance that isn't eligible as a qualifying payment. Clearly this is going against my rights as a consumer under my legal binding contract Master Promissory Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief