vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to MIDLAND CREDIT MANAGEMENT regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$1200.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, MIDLAND CREDIT MANAGEMENT failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
THIS ACCOUNT IS REPORTING FALSE AND INACCURATE PAYMENT HISTORY. I WAS NEVER LATE ON THIS ACCOUNT. PLEASE SEE ATTACHED DOCUMENTS AS PROOF. SPS MISTAKENLY TOOK MY FUNDS AND DID NOT APPLY IT TOWARD MY MONTHLY OBLIGATION WHICH RESULTED IN LATE PAYMENTS HITTING MY CREDIT. AFTER GO BACK AND FORTH WITH SPS REPRESENTATIVES, IT APPEARS MY ACCOUNT WAS FINALLY TURNED SATISFACTORY AND I WAS EVER REFUNDED OVER {$18000.00}. HOWEVER, SPS STILL HAS NOT RECTIFIED THE LATE PAYMENTS ON MY CONSUMER CREDIT REPORT. THIS HAS SEVERLY IMPACTED MY SCORES AND HAS MADE ME LOSE OUT ON NEW CREDIT OPPORTUNTIES. PLEASE REMOVE ALL LATE PAYMENTS ASSOCIATED TO THIS ACCOUNT AS I WAS NEVER LATE AND MADE MY PAYMENTS ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
On XX/XX/year>, when I logged into my online credit report I noticed that Equifax had arbitrarily placed a Fraud Alert on my credit report, WITHOUT MY PERMISSION. Equifax Failed to ensure that inaccurate information was Not added to my credit report without my permissions. TransUnion recently notified me that they had a cybersecurity issue with their third party affiliate and they compromised my social security number and date of birth. Instead of TransUnion taking corrective action to properly remove my information from the dark web, they improperly shared my request with other credit reporting agencies to remove an old Security Alert from my credit report that had expired in XXXX. Somehow INCOMPETENT STAFF AT TRANSUNION, EXPERIAN AND EQUIFAX ADDED A WHOLE NEW SECURITY ALERT TO MY CREDIT REPORT IN XX/XX/year>. INSTEAD OF REMOVING THE OLD SECURITY REPORT FROM MY CREDIT REPORT THAT EXPIRED IN XX/XX/year>. WHEN I CALLED THE CUSTOMER SERVICE NUMBER ATTEMPTING TO SPEAK WITH A LIVE PERSON ; I GOT NOTHING BUT THE RUNAROUND FROM THE INCOMPETENT ARTIFICAL INTELLIGENCE PROGRAM THAT FAILED TO RECOGNIZE MY CURRENT ADDRESS, SSN, DOB AND PERSONAL INFORMATION. I WAS FORCED TO CALL EQUIFAX 'S CORPORATE OFFICE PHONE NUMBER AND COMPLAIN THAT I COULDN'T GET THE USELESS AI ( ARTIFICAL INTELLIGENCE ), TO ALLOW ME TO SPEAK WITH A LIVE PERSON. ALL 3 CREDIT REPORTING AGENCIES HAVE ENGAGED IN UNLAWFUL, COLLUSION THAT IS DESIGNED TO PREVENT CONSUMERS LIKE ME FROM SPEAKING WITH A LIVE PERSON TO FIX ISSUES THAT CAN NOT BE FIXED BY LOGGING INTO ONLINE CREDIT REPORTING AGENCY ACCOUNTS. NEW FEDERAL LAWS ARE NEEDED TO FIX THIS AI GLITCH THAT MAKES PARTIALLY DISABLED VETERANS LIKE ME STAY ON THE PHONE MORE THAN 30 MINUTES ATTEMPTING TO GET PASS A USELESS ARTIFICIAL INTELLIGENCE SYSTEM, THAT'S DESIGNED TO WASTE TAXPAYERS TIME, SO CREDIT REPORTING AGENCIES CAN GET RICH BY SELLING MY PERSONAL DATA TO ANY ENTITY FOR A PROFIT.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against JPMorgan Chase Bank , N.A . ( Chase Bank ) regarding their refusal to release my funds and allow the lawful closure of my account. 

Background I am the lawful owner of a Chase account with a current balance of {$54000.00}. 

Recently, there was an attempted unauthorized access to my online banking credentials ( unauthorized changes to username and password ). 

As a result, Chase Bank placed a freeze on my account. 

While I understand the need for fraud prevention, Chase has refused to lift the freeze or provide any reasonable remote method for identity verification and account closure. 

I currently reside outside the United States and can not physically appear at a branch to resolve this matter. 

Despite repeated requests, Chase continues to deny me access to my own funds, thereby effectively seizing {$54000.00} without lawful justification. 

Legal Concerns Chase Banks actions raise serious violations of federal consumer protection laws : Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. Grants consumers the right to timely access their funds. A prolonged freeze without due process violates the fundamental right to access deposited money.

Regulation E ( 12 C.F.R. 1005.11 ) Requires financial institutions to promptly investigate unauthorized access incidents and provide written explanations. Chase has failed to provide adequate notice, timelines, or resolution procedures.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Dodd-Frank Act, 12 U.S.C. 5531 & 5536 By indefinitely restricting access to {$54000.00} and demanding in-person resolution when I am abroad, Chase engages in unfair and abusive practices.

Contractual & Fiduciary Obligations As the account holder, I am entitled to closure of my account upon request and to full withdrawal of my balance. Refusal to honor this right constitutes breach of contract and bad faith conduct under UCC 1-304.

Discrimination Against Non-Resident Customers Requiring physical presence as the only remedy effectively denies equal access to U.S. citizens and account holders living abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 non-monetary relief
Consumer complaint received 2025-10-03 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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  Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX 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 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 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
I am filing this urgent complaint against Bank of New York Mellon ( BNYM ), the alleged owner and trustee of my mortgage loan # XXXX, for its egregious failure to supervise XXXX XXXX XXXX, leading to a cascade of illegal practices threatening my homeownership. As a XXXX handicapped senior with severe health issues, this negligence has caused financial hardship, credit damage, and emotional distress that worsens my conditionpotentially constituting financial elder abuse under California Welfare & Institutions Code 15610.30. A foreclosure sale is set for XX/XX/XXXX, despite my good faith payments of ~ XXXX  XXXX on a XXXX  XXXX loan. 

BNYMs lack of oversight has allowed XXXX  to : Inflate my reinstatement quote from {$160000.00} ( XX/XX/XXXX ) to {$190000.00} ( XX/XX/XXXX ) in 36 days ( ~ $ XXXX vs. $ XXXX interest on {>= $1,000,000} at 3.75 % ), breaching Secrest v. Security National Mortgage ( 2010 ) and California Civil Code 2943 .

Ignore my Qualified Written Request ( QWR ) sent XX/XX/XXXX ( received XX/XX/XXXX ), violating RESPA ( 12 CFR 1024.35 ) s 5-day acknowledgment and 3045-day resolution rules.

Fail to credit {$3700.00} in payments, inflating my balance unlawfully.

Demand personal payment post-2020 bankruptcy discharge, violating 11 U.S.C. 524 ( Johnson v. Home State Bank, 1991 ). 

Pursue an unauthorized foreclosure based on a void XXXX assignment to a 2007 trust ( Yvanova v. New Century, 2016 ; Glaski v. Bank of America, 2013 ), with an illegal rate hike from 2 % ( 2007 modification ) to 3.75 %.

BNYM, as trustee under the Pooling and Servicing Agreement ( PSA ), is responsible for ensuring XXXX compliance with federal and state laws. Their failure to monitor these blatant violationswhile the foreclosure date nearsshows gross negligence. This constant back-and-forth, with no accountability, is outrageous and leaves me in limbo with my health and home at stake. 

When Did This Take Place? 
Ongoing ; escalated XX/XX/XXXX ( QWR ) ; latest quote XX/XX/XXXX. Foreclosure : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy Court -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( U.S. Bankruptcy Court ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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