vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I was the victim of an imposter scam through Zelle. I was trying to sell something on XXXX marketplace and the purchaser wanted to pay me through Zelle. When trying to complete the transaction, I received an error email. After reporting to the purchaser, they said the problem was with Zelle at which point a person called me who claimed to be with Zelle to help me resolve the problem. This person walked me through several verification steps which resulted in XXXX charges to my account XXXX of {$400.00} and XXXX of {$390.00}. I have since called Zelle XXXX times and each time the agent was unable to help me nor inform me of the status of my claim. Not once were they able to send me an email confirmation with any information regarding the claim. During one call, I requested to speak to a XXXX, put on hold for XXXX minutes, only to be told that there was no XXXX available, and I needed to call back at another time. Zelle has been completely. I called back today, XX/XX/XXXX, and was finally able to talk to a supervisor. They told me my case has been closed long ago, I would not be reimbursed for any of the fraudulent charges, theres nothing Zelle can do, and no one I can call to escalate the claim. During each call, I had to provide all the same information and not once was the agent able to look at the history to see my problem or that I had called multiple times without resolution. The Zelle, customer service and company is terrible. I will never use them again nor recommend them. I want to report this to warn other consumers against using Zelle for any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring oaks capital is the collection department. I refuse to pay back my loan to them I will ONLY pay the orginator of he loan which is XXXX. I actually was making payments to them and they sent it to collections anyway. Again I will ONLYpay the orginator of the loan directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered multiple fraudulent accounts and/or inaccurate information appearing on my TransUnion credit report that I did not authorize, open, or have any knowledge of. I am a victim of identity theft. These accounts were created and reported without my consent, and they have negatively impacted my credit standing, reputation, and access to financial opportunities.

I attempted to resolve this matter through the appropriate identity theft block process under the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ). However, due to the ongoing federal government shutdown, I have been unable to obtain or file the FTC Identity Theft Report at this time. Despite providing supporting documentation, TransUnion has failed to remove or block the fraudulent information as required by law.

These unauthorized accounts and data entries are not associated with me in any way, and their continued reporting violates my rights under the FCRA. I have submitted proof of identity, address verification, and supporting evidence confirming this activity is fraudulent.

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 2025-11-06 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: NC

Complaint narrative:
I am disputing the accuracy and completeness of the following information appearing on my Equifax credit report. 

1. Charged-Off Accounts XXXX  XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  ( XXXX XXXX ) Account # XXXX Date : XX/XX/XXXX Balance : {$850.00} XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$0.00} These accounts are either outdated, paid, or inaccurately reported as charged off. 
The dates of last activity suggest they should no longer be reported under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 4 ) ), or the balances shown are incorrect.

I request a full reinvestigation and deletion of any unverifiable or outdated information.

2. Unauthorized Inquiry XXXX  Dated XX/XX/XXXX I do not recall authorizing a credit inquiry with XXXX. Please provide verification of my written consent or remove this inquiry from my file under FCRA 604 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$490.00} Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
During my attempts to negotiate a settlement in good faith with Midland Credit Management, four unauthorized ACH withdrawals totaling {$13000.00} were taken from my checking account at XXXX XXXX. I was in the process of resolving multiple other debts during this time, including a verified payoff of a XXXX XXXX account via XXXX on XX/XX/XXXX. I am not evading debt ; I am carefully and responsibly settling valid debts through legitimate means, which does not include being subjected to fraud or coercive behavior. ( Exhibits A - C ) The unauthorized transactions appeared under XXXX PAYMENT and were routed through XXXX XXXX XXXX XXXX, which I have never held an account with. I did not authorize these withdrawals. 

XXXX confirmed these transactions were fraudulent and reversed them. ( Exhibit D ) The illegal transactions occurred directly after a phone call with a Midland representative named XXXX, who mocked me, threatened legal action, and abruptly ended the call. Exhibit E shows the letter I sent Midland informing them of my small claims affidavit, and my intent to file complaints with the CFPB and Virginia 's Attorney General.

I believe Midland Credit Management, using my private financial data obtained during debt negotiations, engaged in fraud, embezzlement, and harmful debt collection practices. Midland Credit Management , Inc. is part of a corporate group that, in XX/XX/XXXX, entered into a stipulated final judgment and order with the Consumer Financial Protection Bureau, imposing a $ XXXX civil penalty for violating a prior consent order governing fair debtcollection practices. ( Exhibit F ) This prior enforcement history raises serious questions regarding the company 's compliance with collection laws and its capacity to lawfully pursue debts in a manner consistent with consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please investigate the materials provided ; the inquiries occurred with no advance warning and could be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase is being malicious towards me and my account due to political retaliation. They consistently is over drafting my account over mysterious payment. On XXXX XXXX my XXXX  and I went into the Chase Bankto make a transaction that I normally can do online. They have crashed out my online account so I could come into the bank, while I was thereto manager from the XXXX XXXX told me I couldn't make the wire transaction, told me to come back. I refused and she then stated that my funds was not available.I then try to withdraw the money and couldn't. She literally held me in the bank due their personal XXXX  against XXXX. The bank was filled with agents, and held me in the bank for hours just to due a wire transaction. I am really tired of CHASE using their wealth and Power to dismantle my account because of political views. They are above the law and I want this to be looked into, because I am not rich like their other clients they tend to take things out on me.Many times they over charge my account and I just got to take it, they just laugh at me and my children. This is very emotionally drained because they look at me a XXXX XXXX XXXX  My financial classier XXXX  XXXX shouldn't allow them to treat me in any way. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Category : Unfair Benefit Administration / Delayed Reimbursement : I am filing a complaint regarding the handling of my Lost Luggage Reimbursement claim administered by XXXX  XXXX XXXX ( XXXX  ) under my Chase Business Preferred Ink credit card. 

My claim number is XXXX. The incident occurred on XX/XX/year>, and I submitted all required receipts and documentation in a timely manner. My original claim totaled {$1800.00}. 

On XX/XX/year>, I received an approval letter stating that only {$900.00} would be reimbursed. However, after speaking with a Chase Benefit representative, the internal item breakdown indicated that the reimbursable amount should have been {$1300.00}, not {$900.00}. 

Since the end of XXXX, I have contacted XXXX XXXX/Chase Benefits once per week requesting a line-by-line explanation of what was approved, reduced, or denied, but I have received no written explanation, no update, and no supervisor contact. My formal written appeal sent by email and certified mail has also gone unanswered.

I am disputing the difference between the approved amount and the correct reimbursable amount. The disputed amount is between {$470.00} and {$970.00}, depending on whether the insurer honors the full claim or the internally verified subtotal.

I am requesting the Departments assistance in obtaining : A complete written explanation for the reduced reimbursement, A correction to the payment amount, A timely response from XXXX  XXXX as required under Florida insurance regulations ( 626.9541 and 627.70131 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following items on my credit report. Please review each account listed below for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed in accordance with FCRA 607 ( b ), 611, and 623 Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-06 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: CO

Complaint narrative:
Please investigate the included information ; the inquiries came through with no prior notice or permission.

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 2025-11-06 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-06 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) claimed I signed a mortgage during a sales presentation. I never knowingly signed this mortgage, and the notarization was conducted by XXXX XXXX, an attorney who did not witness my signature and has no journal documentation. She is currently under review by the XXXX  Attorney Review Board for notarial misconduct. 

Despite this, XXXX began reporting the mortgage as a valid debt to Experian. On XX/XX/XXXX, I discovered the item on my credit report and immediately filed a dispute with Experian. I submitted a certified mail packet with over XXXX pages of evidence, including : A fraud affidavit Agency complaints filed with the XXXX  Attorney General, XXXX, XXXX, and CFPB Evidence of forgery and altered documents Confirmation that the notary did not witness the signing Lack of Affiliated Business Arrangement disclosure ( RESPA violation ) Experian responded stating XXXX verified the debt and refused to remove it. I disputed the decision twice more online ( XX/XX/XXXX and XX/XX/XXXX ), but Experian maintained the item and blocked further disputes, stating the matter was disputed, validated, and resolved. 

I requested documentation from Experian and XXXX, including the original signed mortgage, metadata from the Owner Clarification Form, notary journal entries, and proof of debt validation. None were provided. 

This inaccurate reporting has damaged my credit score, affected my ability to secure housing and credit, and caused emotional distress. Experians refusal to investigate violates the Fair Credit Reporting Act ( FCRA ), and HICVs reporting is based on a fraudulent transaction.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a XXXX Motorhome, that I was fixing, I was going to a RV park and the RV broke down in the middle of the road on XX/XX/XXXX, and was towed at that point. To get the RV out was over XXXX XXXX which I did not have. I was homeless at the time which was the reason I purchased the RV. So to get it out I needed money, which I was desperate and did a foolish thing by getting scam by a person stating to improve my credit we need you to go and get XXXX cards to payoff these loans to build your credit, which was the scam, they deposited money in my account, I pull it out and purchase the cards, only the deposits were fraudulent, and I was responsible for them I get it. So I receive SSDI of XXXX $ a month at the time I also received a refund of XXXX $ for the years insurance I purchased on the RV, which Chase kept both. Received a XXXX $ check from stating my accounts were closed and all is in good standing, this was in XXXX of XXXX. So I'm thinking all is good, I went to my XXXX mailbox today XX/XX/XXXX and I have received a letter from Chase stating I still owe them XXXX on the account. Which is just another scam to get more money from a XXXX XXXX XXXX XXXX man. Letter dated XX/XX/XXXX. I try calling and can't speak to anyone without my account number or debit card, both of which are closed and cancelled.

Company response to consumer: Closed with explanation