vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I was Sold a bogus solar loan by XXXX XXXX. Original lender they worked with was XXXX. They then sold the loan to XXXX and then sold to launch services. I was lied to about a lot of information, panels project and loan and insensitives wete all totally misrepresented. Everything was a lie that XXXX XXXX  said or stated. I never received my state rebate or any incentives. The incentives that were supposed to come from Illinois shines where stolen by XXXX and I wasnt able to pay that towards my loan during the first year. Like I was promised that the loan could be paid down and the payments would be much much lower.. So now here I am with a huge loan payment, no rebates and no one to help. A company that filed bankruptcy after getting my money and its all a complete scam!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: NV

Complaint narrative:
First Advantage Background Checks reported a criminal offense to XXXX XXXX ( a company I applied for and was hired ) that was over XXXX XXXX XXXX. I asked for them to review based on the years since the offense took place, and they did, but did not change their findings. I ended up losing out on the XXXX job because of this and now I have many credit card bills that are behind and my credit is taking a huge hit. 

Dates were from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
on the XXXXXXXX XXXX XXXX XXXX XXXX XXXX my chime account was suddenly closed by the Chime company due to a security breach if I recall correctly. At the time I know for a fact that I was not involved with any illegal or fraudulent activity that wouldve resulted in my account being closed, but when I approached them for answers I was told there was nothing to provide. Which is incredulous as someone who is in fact innocent of any wrongdoing. 

Additionally, on the XXXX XXXX XXXX XXXXXX/XX/XXXX, around XXXX EST, I contacted XXXX XXXX and spoke with representative XXXX XXXX who was rude and ignored my claims for a transfer due to not liking his tone of voice and he was telling me an answer that did not relate to my question. Which was is there anyone I can speak with regarding my closed account to have an investigation, and if not simply ensure that my personal information is removed. 

XXXX was unpleasant and upon me informing him that I would be reporting him, he proceeded to mute the microphone until he hung up without resolving my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I returned equipment to XXXX XXXX XXXX and almost XXXX  years later they tried to collect as if I hadnt returned it. Then they sent it to collections. As it had been so long I no longer had the receipt to prove I had sent the equipment back.

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 2025-06-07 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: AZ

Complaint narrative:
I am disputing multiple tradelines reported by XXXX on my Experian credit report. Specifically, the following accounts appear : XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Status : Paid {$0.00} Past Due XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Past Due : {$42.00} Chargeoff XXXX XXXX XXXX XXXX  * Opened XX/XX/XXXX Past Due : {$240.00} Chargeoff XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Past Due : {$130.00} Chargeoff XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Past Due : {$140.00} Chargeoff I did not authorize or open these accounts and do not recognize the majority of them. It is highly suspicious that multiple XXXX  accounts were opened in my name within the same 12 month period, many of which now report derogatory statuses. This does not align with my credit behavior or approval patterns. 

My personal information was involved in a recent data breach, and I suspect these accounts may be fraudulent. I did not receive any communication or documentation regarding these loans, and they appear to be erroneous or duplicated.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Complaint Against Chase Bank Misleading Information and Unjust Foreign Transaction Fee. 


I am writing to formally file a complaint against JPMorgan Chase Bank regarding a foreign transaction fee of {$130.00} that was incorrectly charged to my account despite being told otherwise by Chase representatives. 

As a long-time Chase customer, I was explicitly informed by Chase customer service that my card does not carry foreign transaction fee. Based on that information, I used my Chase card internationally. To my rude surprise, I was later charged {$130.00} in foreign transaction fees. 

When I called Chase customer service for clarification and assistance, I was met with unprofessional, rude behavior and irrelevant responses. The representatives failed to provide any helpful support and outright dismissed my concern, even though I relied on their own prior assurances when using the card. 

As a single mother managing tight finances, I respectfully asked if this charge could be waived as a gesture of goodwill due to my long-standing history with Chase. This request was coldly rejected, and the tone of the conversation left me feeling frustrated, dismissed, and disrespected. 

I trusted Chase to provide accurate information and fair treatment, but this experience has completely eroded my confidence in the institution. I believe this is a clear case of misrepresentation and poor customer service, leading to financial harm. 

I am requesting that the consumer financial authorities investigate this matter and hold Chase accountable for the misleading information provided and the failure to honor their own policies. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of Birth : XXXX Complaint Details : I am filing this complaint because XXXX  is reporting inaccurate and unfair negative information on my credit report regarding the following account : - Creditor Name : XXXX XXXX XXXX - Account Number : XXXX [ XXXX XXXX XXXX ] - Account Type : Secured Card - Date Opened : XX/XX/XXXX - Current Status : XXXX, XXXX - XXXX Payment History : XXXX late payment reported in XX/XX/XXXX This account has been fully paid and closed, and the reported late payment does not accurately reflect my overall payment behavior or intent. This derogatory mark is unjustified and does not provide a complete or fair representation of my creditworthiness. I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX U.S.C. XXXX ), which requires the credit bureau to remove unverifiable or inaccurate information. 
I submitted a formal dispute directly to XXXX and included valid identification and proof of address. I have requested that XXXX  conduct a full investigation and remove the late payment if it can not be verified with original documentation from the creditor. Despite this, the information remains on my report. 
I am now requesting CFPBs assistance in ensuring that XXXX complies with federal law by removing this unjustified derogatory remark from my credit file. This situation is impacting my financial well-being and access to fair credit opportunities. 

Requested Resolution : Immediate deletion of the XXXX late payment reported in XX/XX/XXXX on the XXXX XXXX XXXXXXXX account XXXX my XXXX  credit report. 

Sincerely, 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was charged for an apartment I never applied to. I never lived there. 
The attempted charge is for {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
I recently reviewed my credit report and notice an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following date [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ]. I am requesting you investigate this account and update these payment to paid on time immediately. Thank you fo you understanding and prompt action.

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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am requesting a review of the negative mark on my credit report related to this account. I believe it does not accurately reflect my current financial responsibility. I respectfully ask that the charge-off be removed or updated accordingly. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MA

Complaint narrative:
This is a formal complaint against TransUnion for continued reporting of multiple inaccurate and unverifiable accounts, in violation of the Fair Credit Reporting Act ( FCRA ) 604, 609, and 611. Despite previous disputes, TransUnion has failed to provide proper documentation, including the original contracts with wet ink signatures or any permissible purpose for reporting. 

The following accounts are being reported unlawfully : XXXX XXXX Account ending in XXXX XXXX  XXXX XXXX Account ending in XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX Account ending in XXXX These accounts continue to damage my credit standing. I am requesting that the CFPB initiate an investigation and require TransUnion to permanently delete these accounts in compliance with federal law. If TransUnion can not verify these items with complete documentation, they must be removed immediately as mandated by the FCRA. I also request confirmation of the results of this investigation in writing.

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 2025-06-07 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: NH

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Not my debt delete Per FCRA and cease collection/ communication Section XXXX ( XXXX XXXX. XXXX ) XXXX XXXX. XXXX : XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
There is a bankruptcy being reported on my credit report that is inaccurate. I reached out to the bankruptcy court and was informed they do not report bankruptcies to the credit bureaus. Therefore, the information is being reported without proper verification and must be removed under FCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My accounts have been in forbearance this entire year and they keep placing 90 day delinquency on my credit and refusing to correct it all while Im still in forbearance with a XXXX dollar payment they are violating my FERPA rights also

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My accounts have been in forbearance this entire year and they keep placing 90 day delinquency on my credit and refusing to correct it all while Im still in forbearance with a XXXX dollar payment they are violating my FERPA rights also

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My accounts have been in forbearance this entire year and they keep placing 90 day delinquency on my credit and refusing to correct it all while Im still in forbearance with a XXXX dollar payment they are violating my FERPA rights also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
Date : XX/XX/XXXX I am filing this complaint against XXXX XXXX and its authorized law firm, Nathan & Nathan, P.C., for serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and UDAAP provisions of the Dodd-Frank Act. 
XXXX. False and Misleading Statements to CFPB : In a letter dated XX/XX/XXXX, XXXX XXXX responded to a CFPB complaint stating that a lawsuit against me was still awaiting a final order and would be refiled. However, public court records confirm that the case ( XXXX XXXX. XXXX ) was officially disposed on XX/XX/XXXX, XXXX days prior to their response. This misrepresentation to a federal agency constitutes either intentional deception or gross negligence. 
XXXX. Threatening Litigation on a Dismissed Case : Despite the case being dismissed, XXXX and XXXX XXXX XXXX threaten to refile, stating in their letter that the suit " will be refiled in Davidson County. '' This constitutes a deceptive collection practice and violates : - FDCPA 1692e ( 5 ) : Threatening action that can not legally be taken.

- FDCPA 1692d : Harassment or abuse.

- UDAAP : Deceptive legal conduct intended to coerce payment.

3. False Credit Reporting Claims : In the same letter, XXXX stated they had re-reported the account as " 150 days past due '' in XX/XX/XXXX. 
This is patently false. My credit report, pulled on XX/XX/XXXX, from XXXX, shows : - XX/XX/XXXX : 120 days past due, not XXXX. 
- XX/XX/XXXX : 120 days past due. 
- XX/XX/XXXX through XX/XX/XXXX : Collection/Charge-Off ( " XXXX '' ) This is a direct violation of : - FCRA 1681s-2 ( a ) : Duty to report accurate information. 
- FCRA 1681s-2 ( b ) : Duty to correct inaccurate information. 
- UDAAP : Misrepresentation of account data to bureaus and regulators. 
Requested Relief : - XXXXmmediate investigation into XXXX XXXX and Nathan & Nathan.

- Deletion of all tradeline data for this account. 
- Cease and desist order against any re-filing of lawsuits. 
- Referral for sanctions or penalties for misrepresenting facts to the CFPB. 
I have attached : - The court record showing the case was disposed XX/XX/XXXX. 
- XXXX 's letter dated XX/XX/XXXX. 
- A screenshot of my XX/XX/XXXX credit report showing falsified reporting

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: LA

Complaint narrative:
ALL THREE BUREAUS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. 

Violations of My Consumer Rights!!! 28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-08 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX * * * * * XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/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 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am disputing XXXX collection accounts being reported by Portfolio Recovery Associates that appear to be the result of identity theft. XXXX account is listed on XXXX  under XXXXXXXX XXXX XXXX XXXX XXXX and the other is listed on XXXX  and XXXX  under XXXXXXXX XXXX XXXX XXXX XXXX 

I did not open any account with XXXX XXXX XXXX, and I have no knowledge of owing this {$1800.00} debt. I never received validation notices, billing, or any form of agreement related to this account. 

These accounts are being reported as separate collection tradelines, but both reflect the same amount, original creditor, and similar reporting dates suggesting duplicate reporting of fraudulent activity tied to my identity.

Company response to consumer: Closed with explanation