vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a ridiculous amount of discrepancies on my credit report. As I've been looking into this, I'm finding that the Furnisher is responsible for reporting accurate information. There is different information for the HIGH BALANCE, LAST VERIFIED, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, CLOSED DATE, LAST PAYMENT DATE, AS WELL AS THE LATES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

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.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: WY

Complaint narrative:
Credit report states that original amount owed was {$250.00} debt collection States that it is {$400.00} owed which is a 103 % increase of the debt

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 2025-10-14 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:
I had XXXX XXXX services starting XX/XX/XXXX of XXXX in XX/XX/XXXX. I called them to discontinue Services. I was moving to a town that did not allow files. I had to get Services with XXXX  last year in XX/XX/XXXX I was going to get Services from XXXX the XXXX wireless home Internet and they told me that there was a balance of {$880.00} and I said that cant be so after arguing I just paid it. I have mentioned to others that this account mustve been used fraudulently after I moved out because the credit report and the company states that my services were active through XX/XX/XXXX of XXXX so therefore I paid for services I did not receive because XXXX did not shut off The connection at the XXXX. I was supposed to get a phone call back with the promise of not only would my credit report be updated and it taken off my credit report that I would be receiving a check back and I am trying to get a loan for my daughter so she can finish Her XXXX  year of college. The loan is for the XXXX XXXX coming up. I am tired of these companies thinking that they have control of us. I just went through this with them over a cell phone that I was promised a promotional deal and mounting bills for services I did not receive They know. I returned the devices and I had to file a complaint with the XXXX XXXX XXXX in order to get anywhere and this is ruining my credit because its been on there for three years and XXXX and XXXX I know both like to play games with consumers so therefore I want This cleared up on the Trans Union account as where I saw this information showing supposedly that I didnt pay it but the other two credit report and agencies show that I did and I also have the bank statement if need be

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 2025-10-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Communication FDCPA Violation Notice To Whom It May Concern : I am writing to formally demand that Midland Credit Management XXXX XXXX, Account : ( # XXXX ). Immediately cease and desist all communication with me regarding any alleged debt that you claim I owe. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ), I am exercising my legal right to request that your company stop contacting me in any form, including but not limited to phone calls, text messages, emails, letters, or contact through any third party. 

I am aware of my rights under federal law, including the right to be free from harassment, misrepresentation, and false threats of wage garnishment or legal action. Any further contact from your company other than written notice of actual legal proceedings will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action or report your company to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Sincerely, __________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was doubled charged from XXXX. XXXX  told me on there end it dont show up so I contacted my bank. They basically told me my account was gon na stay like that until they take there time to investigate. Now all my money is stuck in my savings. Rather than trying to help me out. The supervisor ( XXXX ) from the claims department in chase just hung up the phone on me. She didnt even bother to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
* Reference : Prior CFPB Complaint # XXXX ( Closed XX/XX/XXXX ) * I am resubmitting this complaint because GreenSkys previous response contained false and misleading statements, and the case was closed before I was given a chance to reply. 

GreenSky funded and enforced a loan that was invalid from the start. The merchant, XXXX XXXX XXXX, breached the contract and never completed the job. GreenSky failed to verify that any work was finished or that the materials matched the agreement before releasing funds or demanding repayment. 

The loan was originated solely under my late husbands name for a home solar project. I was never a co-signer or co-borrower, yet GreenSky now falsely claims my electronic signature is on file. 

GreenSky acknowledged receiving notice of my husbands death on XX/XX/XXXX and stated the account was closed, yet they continued to accept and process loan payments from me afterward. Their claim that I willfully continued making payments ignores that I was simply following their own billing instructions while disputing the loans legitimacy. 

Their investigation ignored critical evidence of : Fraudulent loan origination and falsified signature Post-mortem collection after confirmed death Merchant deception and price inflation ( wrong solar panels installed ) The financed goods and services were never delivered as agreed, making the loan contract unenforceable. Attached photos and documentation prove product substitution and incomplete work, directly invalidating the contract GreenSky continues to enforce. 

I request that this matter be reopened and escalated to XXXX XXXX  regulator ( Office of the Comptroller of the Currency ) for a full investigation into fraud, misrepresentation, and improper loan servicing. 

Attachments include GreenSkys XX/XX/XXXX response letter, the original loan and merchant contracts, and photographic evidence of the uncompleted installation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: NM

Complaint narrative:
XX/XX/year> was the last time I was able to use my card XXXX  @ XXXX XXXX XXXXXXXX. 

XX/XX/year> was unable to purchase money orders to pay rent XXXX  ; unable to purchase food ; and unable to get cash back XXXX & ATM. 

Called XXXX XXXX XXXX several times with no resolution. 

XXXX XXXX XXXX  has held my Social Security XXXX XXXX funds since XX/XX/year> without explanation nor reason. I have called daily searching for answers and none have been offered. 

I have submitted my US Passport ID card, Social Security Card, Original Birth Certificate, and Current Social Security Award letter for Identity verification and XXXX XXXX XXXX still has not released my funds. 

I have also provided my Credit Union Letter with required letterhead and account information with US Passport picture identification for ACH transfers to my credit Union account, and XXXX XXXX XXXX  has not returned emails, nor will provide information to me when I call about the reasons these haven't been evaluated and approved. 

XXXX XXXX XXXX charged me {$17.00} to send a new XXXX XXXX XXXX MasterCard debit card to my current address ( also on file with Social Security and every other government agency I receive help from ), and upon receiving the new card at my address ( delivered XXXX 2 day ) the new card was immediately locked, and I locked out of accessing my account info via the app. 

XXXX XXXX XXXX has illegally held my government XXXX benefits from me and has caused me significant suffering as I only have my XXXX benefits to survive upon and have not been able to buy food, nor other items necessary for survival, and have not been able to pay rent and other bills which is putting me in danger of homelessness and significant late charges. 

Holding a XXXX XXXX XXXX XXXX man 's XXXX benefits with no cause nor reason is shameful in itself, and should be against the law. The Social Security Administration is aware of this situation as well, but can not rescind my benefits once disbursed. 

I want my funds released immediately, and want to know how to file a lawsuit against XXXX XXXX XXXX for compensation for the undue, unnecessary and still unexplained pain, stress and suffering they have caused me. 

Please help me. Thank you sincerely for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime has denied my claims and I would like to have my money reimbursed to me. I filed the complaint as soon as I was aware of the issue. I have changed my password for everything that I can think of. I have gotten 2 different sets of cards from them now and I have gotten a different phone. So I don't know what else I can possibly do to make sure that unauthorized charges don't occur anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
In XXXX, 2025, I signed up for XXXX home security services. At the time, I believed I was entering into a standard service agreement, similar to purchasing a cell phone plan through a carrier, and that I would be making payments directly to Vivint for equipment and services. I was not informed that signing up would result in a separate credit account being opened through a third-party lender to finance the equipment. 

Subsequently, a credit account appeared on my credit report, showing late payments and an account closure. I never knowingly authorized or consented to open a credit line or loan with XXXX or any lender. I only learned about the credit reporting after noticing my credit score dropped significantly.

I attempted to dispute the account with the credit bureaus, but the dispute was resolved in favor of the lender, who maintained the account as reported. I am requesting that XXXX and their financing partner provide proof that I was fully informed and authorized this credit account, or remove the account and associated negative information from my credit report, as it was established under misleading circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-14 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: MS

Complaint narrative:
Pursuant to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reports. The information being reported in this case is factually inaccurate and misleading, and therefore in violation of federal law.

Basis of Dispute 1. 2. 3. 4. The account is being reported as a charge-off that was allegedly sold or transferred to another lender.

I have not received a Form 1099-C from your company as required by the Internal Revenue Service ( IRS ) when a debt is canceled, forgiven, or transferred. 
If this account has indeed been sold, your company no longer owns or services the debt and therefore has no legal right to continue reporting it on my consumer report. 
Continuing to report an account after the rights to collect have been sold or transferred constitutes inaccurate and unverifiable reporting, in direct violation of FCRA 1681e ( b ) and FCRA 1681i ( a ) ( duty to reinvestigate disputed information ).

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