vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I keep receiving robo calls and voicemails from this company. Repeatedly. I have asked them to stop but it is a robot. I have my number listed on the do not call registry. The messages are telling me to call a different number. The caller ID just says toll free caller

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been a chase customer for nearly 20 years, yet for the last three months, my Chase credit and/or my online login have been locked 2/3 times a week. This has happened more or less at complete random, with no specific reason provided by Chase. Each time its blocked I must call and spend roughly 45 minutes on hold with Chase to have them un-block the account. Each time they assure that the account wont be blocked without reason again, only to have it happen a few days later. I have tried canceling my account but due to my online login being continually blocked, this has also proved impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am requesting your assistance in removing a fraudulent collection account from my XXXX credit file, reported by Midland Credit Management.

This account does not belong to me, and its appearance on my credit report is the result of identity theft. I suspect that my personal information may have been compromised through a data breach. As part of addressing this matter, I have already filed a formal identity theft report with the Federal Trade Commission and placed a fraud alert with the major credit bureaus.

Details of the Unauthorized Account : Collection Agency : Midland Credit Management Original Creditor : XXXX XXXX Account Number ( partial ) : XXXX  Date Opened : XX/XX/XXXX Balance : {$550.00} Status : Collection Account {$550.00} past due Scheduled Removal Date : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
When opened my XXXX  store card XXXX XXXX I signed a contract with no annual fee. I received an email today XX/XX/XXXX that terms have changed now it's a XXXX annual fee starting XX/XX/XXXX. I called XXXX  to dispute this ther answer was since I dont agree to terms I cant use my card. This is a BREACH OF CONTRACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, my mother and I went to the Chase branch at XXXX XXXX XXXX, XXXX, GA to finalize estate planning paperwork we had after visiting her attorney. The branch manager, XXXX XXXX, was very unhelpful/unknowledgeable and we ended up getting up and leaving. I tried to complain about him via Chase 's online system and he answered it personally, instructing us to go to another branch. We went to the branch on XXXX XXXX XXXX and filed the paperwork successfully. On XX/XX/XXXX, I sent a snail mail letter to Chase corporate to complain about XXXX XXXX 's lack of service. I received two call backs from corporate that I wasn't able to answer. 
On XX/XX/year>, I received a voicemail from a person identifying themself as a Chase employee. They said that they were going to freeze the accounts that I co-own with my mom if I didn't call back. I called back immediately, the woman knew me by name and said that she knew that I had filed a complaint against XXXX XXXX. She then asked about a specific amount I transfer between the accounts I co-own and my personal account. I told her that I use that money to pay for my mother 's assisted living. After, I called the ordinary Chase number and they stated that they have no record of the number that called me and that there were no flags on my accounts or the ones I co-own with my mother. I wrote another snail letter letter to Chase corporate. 
XXXX, XX/XX/year>, the Department XXXX XXXX XXXX showed up at my mother 's assisted living apartment, asking why I, XXXX XXXX, controls her finances. My mother explained that she is eighty-one years old and that she put me in charge of her finances, both by trust and power of attorney. 
XXXX XXXX of JP Morgan Chase is retaliated against me and my mother because I complained about him. He has access to all of our accounts and I don't know when this harrassment will end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My boyfriend had a check deposited from XXXX XXXX XXXXXXXX in my account at JP Morgan Chase on XX/XX/year>. 
They locked my account and then closed it because they said that he needed to verify his phone number thru their system. 
He has a XXXX account and his phone is public and has been public for some time now. 
We have stopped in at several chase banks and get told the same thing. They won't reverse the funds to the school where the funds came from and they won't verify him any other way. 
We have recordings where we were told that the check was sent out on XX/XX/year> to me since the account was closed however everyone else has told us that that is false. 
XXXX XXXX XXXXXXXX has said it's still in the ACH process and that Chase needs to reverse the funds but they have not done it nor will they help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/year> : {$1400.00} Fraudulent website with very accurate spoof of XXXX XXXX in XXXX & their reps took CC info.

I made reservation thinking I was talking to the XXXX XXXX XXXX XXXX XXXX. 
Email response from what turned out to be fraudsters gave me false confirmation info When I called actual XXXX to make a change, they said they could not do anything with the reservation because it was made by XXXX. This is false. I never used XXXX. The hotel rep actually encouraged me to use the fraudulent reservation instead of a new reservation with the conference discount! 
Disputed charge with Citi XXXX. They reversed the fraudulent charge pending investigation. Filed FRAUD case with FTC. ( see attached ) I was interviewed by a stern security officer from CITI who agreed that the case sounded like FRAUD. He thought the case would be closed.

Either XXXX or Citi reversed the decision by the investigator. They reversed the credit to my account, essentially charging me {$1400.00} for the FRAUD.

I appealed via email per their instructions. ( see attached XXXX  ) I provided the fraudulent confirmation number. 
No response in 30 days. I called when bill was due to determine status. At first, they said they received my email. When I forwarded it to them, they said they found it but hadn't investigated anything yet.

Another billing cycle passes and I called again. This time they said they had received a response from the merchant, XXXX, that the charges were accurate. 
They were talking to the fraudsters! I have never used XXXX. I called to ask them to get a response from the actual XXXX XXXX. 
Another billing cycle passes with no response. I called again and they said it was not a FRAUD case because i had given the FRAUDSTERS my billing information.

I pointed out that the LEGAL definition of fraud is someone impersonating with the intent to deceive. They said the BANKING definition of fraud depends on whether info was obtained by the fraudsters gaining access to my CC info or if I had provided my info. If I provided my info, it's a SCAM and they are not responsible for the false charges. 
It is now the XXXX billing cycle and I told them I would not pay my bill as a way of getting paid back for the FRAUD. This is a VERY sophisticated fraud ring using sponsored websites to spoof XXXX XXXX. They lie to Citi and XXXX. I don't understand how the XXXXXXXX XXXX  allow this to happen or why the hotel itself is not contacted.

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 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Bunch of unauthorized transactions now they wont let me access anything for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint on behalf of my stepfather. A collection account from XXXX XXXX XXXX  was added to his credit report, but he does not recognize this debt and never authorized it. He has been a victim of identity theft. We already submitted an identity theft report to the FTC and a police report has been filed. We are requesting this collection to be removed from his credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was just looking over my credit report and found some addresses that appear to b incorrect. I've enclosed documentation providing prove of my current address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that i am currently seeing listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I also noticed that my name, employment , and phone number is incorrect and misspelled. XXXX XXXX, XXXX XXXX XXXXXXXX, my correct name is 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 2025-07-18 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
Upon reviewing my recent credit report, I discovered that Jefferson Capital Systems , LLC is reporting an alleged debt in my name. I have never received any written notice of this debt within five ( 5 ) days of your initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This failure constitutes a direct violation of federal law.

Accordingly, I am formally disputing the validity of this alleged debt and demanding that you provide the following documentation in full compliance with federal law and supporting case law : The full name and address of the original creditor.

A copy of the original contract or agreement, bearing my signature, that allegedly created the debt.

A complete and unbroken chain of title, including notarized assignments and any subsequent transfers.

Proof that Jefferson Capital Systems has legal standing and authority to collect on this alleged debt.

A detailed, itemized accounting of the amount you claim is owed, including principal, interest, fees, and any other charges.

Relevant case law clearly establishes that a debt collector must be able to substantiate its right to collect a debt through proper documentation, including : Galiano v. Fidelity Natl Title Ins. Co., 684 F. Supp. 2d 1210 ( E.D. Cal. 2010 ) An assignee must prove a valid assignment to enforce a debt.

Adams v. Zarnel, 619 F.3d 156 ( 2d Cir. 2010 ) Standing requires a demonstrable, valid chain of title.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Mere assertion of ownership is insufficient ; evidence of assignment is required.

Until such documents are provided and verified, I demand that you immediately cease all collection activity and remove any negative tradelines related to this account from all consumer reporting agencies, as required under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ).

Failure to comply with this request will result in legal action, including claims for statutory and actual damages under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws.

This letter serves as a formal dispute of the alleged debt and notice of intent to initiate legal proceedings should your company continue unlawful reporting or collection efforts without substantiating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they aren't reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CA

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding Minto Money, a payday lender I believe is engaging in predatory lending practices that harm consumers and may violate state and federal laws. 

Summary of the Issue : I obtained a loan from Minto Money through their website. The loan terms were not clearly explained or fully transparent, particularly concerning the total cost of repayment. The Annual Percentage Rate ( APR ) was approximately 700 %, which I believe is far beyond what should be allowed under consumer lending laws in California. 

As of now, I have repaid a substantial amount over the principal, although not necessarily multiples of the original loan. Even so, the repayment structure has made it difficult to pay off the balance without incurring continued fees and interest. 

Minto Money claims to operate under tribal sovereignty, but according to recent class action lawsuits and public reports, the lending decisions and profits are actually controlled by outside third-party entities. This XXXX structure appears to be used to evade state usury laws and consumer protections. 



Details of My Loan : Loan Date : XX/XX/year> Loan Amount : {$1500.00} Total Paid to Date : {$1600.00} Interest Rate/ APR : Approximately 700 % State of Residence : California Why Im Filing This Complaint : The APR on my loan far exceeds Californias legal limits for consumer loans. 
The loan terms were confusing and not clearly disclosed at the time of signing. 
I am concerned that Minto Money is using tribal affiliation as a shield to avoid regulation, while non-tribal parties profit from these high-interest loans. 
The structure of the loan makes it difficult for borrowers to pay off the balance without accumulating significant additional costs. 



Requested Actions : I respectfully ask for the following : 1. An investigation into Minto Moneys lending practices, including their use of tribal affiliations to bypass consumer lending laws.

2. A review of my specific loan to determine whether the interest and fees are lawful under California law.

3. Cancellation of any excessive or unlawful fees and interest.

4. Restitution of overpaid amounts, if appropriate, based on Californias consumer protection statutes.

5. Enforcement action to prevent similar predatory lending tactics from continuing. 



Available Documentation : I can provide supporting documentation including : Loan agreements Payment records Communications with Minto Money My Contact Information : Name : XXXX XXXX Phone : XXXX Email : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX

Company response to consumer: Closed with explanation