vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX Bank and Midland Credit Management have overcharged me with excessive fees, added interest on a closed account, and are now attempting to sue me for a balance that appears inaccurate and inflated. 

1. The Original Balance Already Contained Late Fees My previous balance of {$1000.00} already included past late fees before any new charges were added. The account was already heavily fee-loaded before closing. 

Despite this, XXXX XXXX continued adding more late fees, an annual fee, and more interest, which increased the balance even further. 

2. Excessive and Improper Fees Charged After Closure Based on my final XXXX  XXXX statement XXXX XXXX XXXX XXXX XXXX XXXX : Previous balance : {$1000.00} ( which already included late fees ) No new purchases No payments or credits Added charges : Annual Fee : {$39.00} Late Fee : {$47.00} Interest : {$23.00} This brought the balance to {$1100.00}, entirely from fees and interest rather than new spending. 

3. The Account Was Closed Yet Charges Continued The statement clearly says : Your account is currently closed. 
Even though it was closed, XXXX XXXX continued to charge : Late fees Interest Annual fee I believe this is improper and unfair billing. A closed account should not accumulate new fees. 

4. Midland Credit Management Is Trying to Sue Me for the Inflated Amount I received a letter from Midland Credit Management ( MCM ) on XX/XX/XXXX demanding payment of {$1100.00} and threatening to sue me if I did not pay by XX/XX/XXXX. 

Later, I received another letter stating a lawsuit had been filed in XXXX XXXX XXXX XXXX. 

Midland is attempting to collect this inflated amount that was increased through excessive fees, interest, and charges on a closed account. 

5. No Proper Debt Validation Has Been Provided I have not received : A complete transaction history Proof explaining how the balance increased An itemized list of the late fees included in the original balance Proof that the amount being collected matches XXXX XXXX system Proof of legal transfer of the account Under the FDCPA, I am entitled to full debt validation, but I have not received it. 

6. What I Am Requesting I respectfully request the CFPB to : 1. Investigate XXXX XXXX Banks charging of late fees, annual fees, and interest on a closed account. 
2. Require Midland Credit Management to provide a full debt validation and accurate accounting.

3. Pause all collection and lawsuit activity until the debt is fully validated.

4. Remove any improper, duplicate, or excessive fees.

5. Ensure both entities comply with the FDCPA and FCRA.

I am not refusing to pay a legitimate amount. I am disputing the accuracy, fairness, and legality of the fees added and the inflated amount being collected. 

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
XX/XX/year> notified Affirm on RETUTN XX/XX/year> notifier Affirm on RETURN XX/XX/year> Loan ID # XXXX - XXXX Product was returned to merchant XXXX  XX/XX/year>. ( see attached TRACKING # ) Affirm would not provide information as to late fees and if credit report was impacted IF payment 1 was not made on due date XX/XX/year> Transferred to 3 different Affirm phone reps. They didnt know or guessed or speculated. My agreement with Affirm requires FULL DISCLOSURE. 
Last transfer to 3rd rep was never performed. Put on hold. With open line listening to reps laughing and talking. NO ONE ANSWERED. 

This is the second incident calling their customer service number. XXXX uninformed and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CFPB COMPLAINT # XXXX JPMCB / CHASE CARD Company : JPMorgan Chase Bank , N.A . 
Account : Chase Credit Card Acct # XXXX XXXX XXXX Complaint Description ( Copy & Paste ) I am filing this complaint because JPMCB/Chase is reporting a credit card account that I did not authorize, open, or use. I never gave Chase written or verbal consent to obtain, furnish, or use my personal information for any credit activity. This is identity theft. 

Additionally, Chase is reporting the account with illegal updates years after settlement. The account shows a settlement from XXXX  but continues reporting derogatory updates into XXXX. 

Violations : 15 U.S.C. 1681c-2 Identity theft reporting 15 U.S.C. 1681e ( b ) Inaccurate information 15 U.S.C. 1681i Continued reporting after dispute 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct XXXX XXXX compliance Settled/charge-off accounts must NOT update Chases continued furnishing of derogatory data after settlement is misleading, harmful, and unlawful. 

Requested Resolution : I request the permanent deletion of the Chase account from all credit bureaus and confirmation that Chase will cease reporting any data connected to this fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports contain multiple inaccurate, incomplete, and XXXXnoncompliant tradelines, including : 1. Duplicate XXXX XXXX accounts Across the three bureaus, multiple versions of the same loan are reported with : Conflicting payment histories Different balances Different open dates 30-day late payments on some reports but not others Missing payment history grids This violates : FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( b ) XXXX standards ( duplicate account prohibition + inconsistent coding ) Inconsistent dispute remarks 2. Late-Payment Reporting Violations XXXX  is reporting late payments that are : Not identical across bureaus, Missing verification, Inconsistent with the account status, Missing payment history detail ( XXXX violation ). 3. Derogatory Account Errors My report lists a derogatory account that contains : Incomplete data fields, Wrong or missing Date of First Delinquency, Incorrect status coding, Lack of consistent payment profile. 4. Hard Inquiry Violations I dispute ALL inquiries as unauthorized unless documentation is produced.

CRAs have not verified them.

This is a FCRA 604 ( a ) violation. 5. Harm / Urgency These errors have caused : Credit denials Higher interest rates Emotional XXXX  Delay in securing housing for my pregnant daughter and unborn grandchild I am asserting damages of {$30000.00} under FCRA 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MN

Complaint narrative:
I pulled all 3 of my credit reports in XX/XX/XXXX last month. I noticed that there are 3 accounts from this Midland Credit Management that I don't know anything about. I submitted a DEBT VALIDATION letter to Midland Credit Management on XX/XX/XXXX via certified mail and they received it on XX/XX/XXXX. Midland Credit Management still has not responded or submitted the documentation I am legally obligated to receive if requested. All documents requested were on the Debt Validation letter ( I attached copies of what I sent to Midland Credit Management ). I want VALIDATION documents NOT VERIFICATION documents. I am NOT verifying this unknown debt I am requesting VALIDATION Documents to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
On XX/XX/XXXX XXXX placed my account into Administrative Forbearance with an email stating : You are not required to make payments at this time.

Nelnet never notified me that the forbearance ended, never provided a forbearance end date, never sent repayment restart notices, never sent a due date, and never provided a repayment schedule.

Federal servicing rules require written notification before a forbearance ends. I received none.

Instead, Nelnet sent only one automated robocall and then resumed billing without proper notice.

Months later, Nelnet reported me XXXX  days delinquent to XXXX which was a direct result of Nelnets failure to notify me that the forbearance period had ended.

These late payments are inaccurate and must be removed under FCRA 623 ( a ) ( 1 ). 

I am requesting the removal of all late payments from XXXX XXXX and a corrected credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On Affirms side, my old XXXX XXXX connection from my previous Affirm Money account remained active even after Affirm closed the account and issued me a new Affirm Card. 

Because of this backend error, I can not link any bank to my new Affirm Card. 
Every time I try to connect my bank ( XXXX XXXX  ) through XXXX, the connection fails, and Affirms app shows that no bank is linked. My bank confirms that the connection is still active on Affirms side, but the Affirm app shows no option to remove it. 

I contacted Affirm customer support multiple times by phone, chat, and email. 
Support could not understand the issue and repeatedly told me to reinstall the app or try again later. They did not escalate my issue to engineering, and they could not remove the old XXXX item associated with my closed XXXX XXXX. 

This problem makes it impossible to use my Affirm Card, because I can not link any bank at all due to the stuck/ghost XXXX connection that Affirm has not removed on their server. 

I am requesting that Affirm correct this backend error by removing the old XXXX link from my closed XXXX XXXX  and allowing me to link my bank normally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filling this complaint against Equifax, Experian, and TransUnion for failing to comply with their obligations under the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. the bureaus continue to report inaccurate, incomplete, duplicated, and unverifiable information that is harming my credit standing. exclude bankruptcy-related issues and focuses mainly on the remaining violations. Delete all unverifiable discover student loan and all closed account entries or correct them to the accurate, single non-duplicated tradelines. remove the unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> AND XXXX BANK, XXXX XX/XX/year> and XXXX XXXX XXXX XXXXXX/XX/year> provide documentation of verification methods used by each bureau during dispute process. ensure compliance with the FCRA accuracy, reinvestigation, and permissible- purpose standards please remover all misleading and incorrect information and fraudulent inquiries, derogatory marks from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Lvnv funding collected on a debt that they purchased from XXXX XXXX. That was past statue limitations. I never had no contact with them. And they ended up having my check garnished. In XXXX  using a law firm to do it. Then just recently again. They trying to collect on same debt using a different law firm this time, I even tried to reach out and I told them, but that was paid or collecting again on the same one that is well past statute of limitations, even the paperwork to the court. But for some reason, the court found in their favor. But said I could pay {$20.00} to have it appealed, which also was ridiculous.\n But as I said, the debt was from XXXX have all the receipts never spoke to them directly, they just keep coming. And they got my check garnished again.Yes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b"I am filing a complaint againt Citibank for failing to properly handle and reimburse a series of unauthorized XXXX  transactions that completely drained my bank account. \nOn XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  my account was compromised and seven (7) unauthorized XXXX  transfers were sent to an account I do not know and have never interacted with.\n\nThe unauthorized transactions are as followedXXXX XXXX XXXX XXXX XXXXThese transfers emptied my entire account.\n\nI Immediately informed Citibank that my account had been compromised and that these transactions were not authorized by me. nor did i give anyone permission to access my online banking oe XXXX. I requested that citibank investigate and refund the fraudulent charges as required by Regulation E for unauthorized electronic fund transfers.\n\nDespite this, Citibank has wrongfully denied my claim. They have not provided any proof that i authorized these transactions, nor have shown any evidence that I initiated, approved, or benefited from them. Their refusal to refund these unauthorized charges is a violation of federal consumer protection laws.\n\nMy account was drained without my knowledge or consent, and Citibankhas failed to protect my funds, failed to conduct a reasonable investigation, and failed to provide the required documentation supporting their denial.\n\nI am requesting the CFPB'S assistance in requiring citibank to: Reopen and properly investigate my fraud claim.  Provide all evidence usd to deny my claim. Refund all unauthorized XXXX  transactions listed above. And correct any negative impact this incident has had on my financial stability.  This situation has caused me significant financial hardship, and I am seeking a full resolution immediately"

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 2025-11-20 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: VA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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

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 2025-11-20 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: VA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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

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 2025-11-20 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: OH

Complaint narrative:
XX/XX/year> We are requesting removal of these accounts listed below being from identity theft. These items must be removed immediately and we will contacting Experian and Equifax to remove fraud alerts and security Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance {$730.00}

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 2025-11-20 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: MN

Complaint narrative:
XXXX XXXX Bank took over the XXXX XXXX Credit Card from XXXX XXXX. I was a previous customer of XXXX XXXX. I didn't wa n't the new XXXX XXXX Bank credit card. When it arrived I didn't even activate it. Then all of a sudden I see a negative late payment report sent to a credit reporting agency from XXXX 's. I contacted them to ask how this could happen when I had not even activated or authorized the card. They said a small balance transferred over from XXXX XXXX, and that it was their policy to report late payments. I asked them to reverse that and they said they could not do that, even though I paid off the remaining balance that I was aware of. I think it's bad business practice to operate like this. I didn't even want that card or activate it. I gave no consent, and I had no way of checking the account information as I had not activated the card or the online account portal until today XX/XX/year>.

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