vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Sometime in XXXX I deleted my XXXX XXXX XXXX XXXX account as a payment method for this card. Despite doing so they still charged my account an auto payment on XX/XX/year>. When I called in to ask them why they stated that I was supposed to call in to remove the payment despite having entirely deleted the account from their online portal nearly a month prior. This was never disclosed to me and the reasonable assumption would be that deleting the account from all online areas would also delete it from auto payment. Additionally their auto payment terms say that they will email you several days befofe pulling a payment. Such email never was sent. It is clear they are making deliberately fraudulent and unauthorized auto payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I sent {$600.00} via PayPal to XXXX XXXX using the XXXX XXXX XXXX option. PayPal has placed the funds on hold for 180 days and the recipient can not access the money.

I have contacted PayPal multiple times, and their customer service says the limitation can not be overridden. XXXX has contacted XXXX  XXXX, as advised, and they said they can do nothing for him.

The funds are being indefinitely withheld, and the intended transfer has not completed.

I am requesting that PayPal release the funds to the recipient or refund the amount to my account. I have attached screenshots of the PayPal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The XXXX account for XXXX was settled and paid off. Its still reporting delinquent on my credit report. 

Also an account from XXXX was settled for XXXX and its still reported delinquent on my credit report Mcm didnt remove collection from destiny credit card. 

XXXX XXXX collecting for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, these items appear to be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue ; however, the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened, furnished, or reported without my authorization. These items are inaccurate, unverifiable, and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively impacted my ability to achieve important financial goals, including securing housing and supporting my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I was targeted by three suspects in a XXXX XXXX at a XXXX XXXX in XXXX XXXX, as documented in Police Report # XXXX XXXX XXXX. The suspects obtained physical possession of my unlocked phone and all of my cards. While the suspects held my device and my cards, they initiated two unauthorized transactions of {$3000.00} each ( Total : {$6000.00} ) to XXXX XXXX XXXX XXXX XXXX on my Chase credit card accounts. 
During the robbery, the suspects intentionally deleted multiple incoming fraud alert notifications from my phone to prevent me from seeing or stopping the crime while it was in progress. As soon as the suspects vacated the property and I regained control of my phone, I discovered my banking and email applications had been deleted. I acted instantly by calling the XXXX XXXX Police Department to report the robbery and calling Chase Bank immediately to report that all my cards had been compromised and used for unauthorized charges. 
Despite this immediate report and the police-documented criminal sabotage of my security alerts, Chase Bank denied my credit card claims ( Claim IDs : XXXX and XXXX ), calling the transactions valid. This is a violation of the Fair Credit Billing Act ( FCBA ). I am not liable for these {$6000.00} in charges. I am requesting a full reversal of both {$3000.00} charges and all associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$97.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$97.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IN

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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
we just received a call from someone identifying calling for chase credit card and asking if we had applied for a new card which we had not. they related that our identity had been stolen and they would cancel the request for a new card and then gave us their info XXXX XXXX XXXX and the card applied for was chase prime. then gave us an id number from cfpb of XXXX and then we received a call from someone identifying as being from your offices. is this for real or did we get scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XXXX, I filed an official complaint through your office because I was unable to get Citibank to address the issue directly. Citibank issued XXXX replacement cards, and every time a new card was sent, XXXX XXXX became activated on my account- despite the fact that I do not use XXXX XXXX, have never activated it, and charges continued to appear that I did not authorize. 
I waited to activate the fourth replacement card until I heard back from you. Citibank informed me that the matter had been resolved, but today XXXX XXXX was activated once again without my permission. The newest card has already been shut down and yet another replacement is being issued, but at this point I feel like I'm going in circles without a true resolution. 
I am requesting a clear and permanent fix so that my card information is not forwarded to XXXX XXXX or any digital wallet going forward. 
Thank you for your assistance.

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 2025-12-27 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: MA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to accurately report my XXXX account ( ending in XXXX ) following a legal settlement. 

On XX/XX/year>, I entered into a formal settlement agreement with XXXX XXXX XXXX XXXX ( on behalf of XXXX ) to resolve this account for {$1100.00}. I have fully satisfied this agreement, and my final payment cleared on XX/XX/year>. 

While Equifax correctly shows a {$0.00} balance, it continues to report the 'Status ' as 'Charge Off ' and includes the negative remark 'Payment after charge off/collection. ' Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must maintain maximum possible accuracy. It is factually incorrect to label an account as an active 'Charge Off ' when it has been legally settled and paid to a XXXX balance over a year ago. I have previously disputed this error, but Equifax has failed to update the status to 'Settled ' or 'Paid in Settlement. ' I request an immediate correction of the status to reflect the true legal standing of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed an XXXX XXXX tradeline that Equifax is reporting on my credit file. Despite my dispute, Equifax has continued to report this account without providing me with written notice of the investigation results. 
Equifax has not notified me of the date the investigation was completed, the method of verification used, or the information relied upon to verify this account. I have not received any written explanation showing how Equifax determined that the information is accurate and verifiable. 
As of the date of this complaint, the account remains on my Equifax credit report, and Equifax has failed to provide the investigation details required under the Fair Credit Reporting Act. I am requesting that Equifax either provide proper written verification details or remove the tradeline from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management received my written debt validation request via certified mail on XX/XX/year>. Despite receiving the request, Midland failed to provide any validation or documentation of the alleged debt.

Under FDCPA 1692g ( b ), Midland was required to cease all collection activity until validation was provided. However, Midland continued collection activity by updating and furnishing the account balance on my consumer credit report on or about XX/XX/year>. 
Updating and furnishing a credit tradeline after receipt of a debt validation request constitutes collection activity. Midlands actions violate FDCPA 1692g ( b ), FDCPA 1692e ( 8 ), and FCRA 1681s-2 ( b ).

I am requesting that Midland immediately cease all collection activity, request permanent deletion of the account from all consumer reporting agencies, and provide written confirmation. I have attached copies of my validation request, proof of delivery, and credit report showing the unlawful update.

Midlands failure to comply with federal law has caused ongoing harm and constitutes willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: KY

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 2025-12-27 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: KY

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 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Making it difficult for me to reach call centers, forcing me to use self-help options that failed to address my issues. 
MOHELA illegally overcharged me, failed to process paperwork timely, and misled me about my accounts. 
MOHELA never processed promised loan discharges for students of predatory for-profit institutions, continuing to illegally demand payments and report debts to credit agencies. 
Systematically failed to process applications for income-based repayment plans correctly, leading to miscalculations of monthly payments, involuntary switching to standard plans, and the capitalization of excessive interest. XXXX misled me about whether my loans were federally backed during the CARES Act period.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 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 have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, these items appear to be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue ; however, the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened, furnished, or reported without my authorization. These items are inaccurate, unverifiable, and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively impacted my ability to achieve important financial goals, including securing housing and supporting my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

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 2025-12-27 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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