vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Card Services has mis-handled my credit card account and my repeated, good-faith attempts to enroll in their hardship assistance program in the face of serious financial difficulties. 
Until XX/XX/XXXX, I was a customer in good standing with Chase, with no late or missed payments. In XXXX, I contacted Chase to request enrollment in a hardship payment plan due to a series of unforeseen and devastating personal and financial events : 1. I was facing a possible layoff at work, whichalthough ultimately avoidedcaused significant financial strain.

2. I had accumulated high levels of debt, in part due to hiring home repair contractors who were later arrested for fraud, leaving me financially vulnerable.

3. I incurred unexpected and significant costs to cover my brothers funeral after his sudden passing.

4. I became a victim of identity theft, which forced me to open new bank and home equity accounts and deal with the resulting financial burdens. 

When I initially called Chase, I was told a hardship program existed that would lower my interest rates and establish a manageable payment plan. I applied, but my application was denied with no explanation. Over the following months, I re-applied three additional times and was denied each timeagain with no information provided about the criteria or reasons for rejection. They would only provide the first denial in writing. 
Meanwhile, my debt has grown considerably due to the continued application of high interest rates and fees and my good credit has been destroyed. Despite my proactive efforts to seek help, Chase has profited from the delay by charging ongoing interest and penalties, compounding my financial hardship. 
On my final attempt to seek relief, a Chase representative informed me that the bank would not negotiate directly with me and that I would need to enroll in a third-party credit counseling service or hire an attorney. I followed that instruction and retained Attorney XXXX XXXX to represent me in negotiating a resolution. Despite his outreach, Chase has not responded well over 30 days after his attempt. 
Chases refusal to provide transparency, offer reasonable accommodations, or even engage with my legal representative demonstrates a lack of good faith and predatory practices. This not only undermines the purpose of a hardship program but also raises serious questions about Chases practices when dealing with vulnerable customers. Their actionsor lack thereofhave actively contributed to the worsening of my financial situation, from which they continue to profit. 

I can provide documentation of my hardship, the denial letter from Chase, and my attorneys outreach letter dated XX/XX/XXXX upon request. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
yes i had a background check done and i have stuff showing from over 24 years on my record. each one of these have been taken care and paid in full. i do not understand why something that old would still be on report. I understand that it is a felony but over 24 years their some type of status that stop if from being used against you on your record. 

XX/XX/XXXX overdraft charge from when someone stole my checkbook. I did everything i was suppose. i paid all the fine and restiustion in full XX/XX/XXXX overdraft charge that from when someone stole my checkbook. I did everthing i told by the court. 
XX/XX/XXXX this same charge as above this when i go to court and show i paying my bill like i suppose and i did what i suppose to do. 
XXXX this from being scam thinking i was getting a job online and it turn out to be a scam

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Amex suspended me from using my card which was okay because I wasn't using it but I was making payments twice monthly. Then they declined my card saying they didn't get a response. So I called & asked them what did they need & the person I spoke to said Financials. I asked what specifically do you need & they told me bank statements. I said I dont feel comfortable giving that out cause thats my personal information. I been had this card & no one ever asked for bank statements. They also told me I can reapply for another card I said for what when u just canceled one & reapplying mean you gone pull my credit. Also ask me to pay {$46.00} payment that ain't due until XX/XX/XXXX. I said until I figure out what's going on i dont have a date in mind to even think about paying. Especially when I already pay XXXX XXXXXXXX {$300.00} twice monthly. I wasn't late or behind on payments & kept a available spending balance. My card should not been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon reviewing my credit report, I've identified an inconsistency where my credit information is not being reported to all XXXX  XXXX  credit bureaus. I have contacted creditors multiple times regarding this discrepancy. Each time, I've been directed to contact the credit bureaus directly, and subsequent communication with the bureaus has redirected me back to the creditors. This issue has persisted for approximately one year, and I am seeking a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax report currently includes XXXX collection accounts : XXXXXXXX XXXX XXXXXXXX ( account number XXXX * * * * ) with a balance of {$2200.00} dated XX/XX/year>, and XXXX XXXX XXXX ( account number XXXX * * * * ) with a balance of {$500.00} dated XX/XX/year>. Both of these entries are deeply concerning, especially as I have not received legally sufficient validation from either collector. The reporting of these accounts appears to have occurred without proper notice or the opportunity for me to verify their legitimacy, which is required under the Fair Credit Reporting Act. Equifax is responsible for ensuring that any information placed on my credit file is accurate, verifiable, and fair. 

Furthermore, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: UT

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
every time i try to open a credit account i get inaccurate security questions about mortgage loan and numbers. which do not pertain to me. for example they mention asking me that in 2012 how much of a mortgage loan or amounts of mortgage money. which do not pertain to me. Also Experian has my name incorrect as XXXX, my name is XXXX. And Experian also has an old address and not my current one.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: TN

Complaint narrative:
I am filing a complaint against SELF/XXXX XXXX  for inaccurately reporting late payments and a balance on a credit card account I never activated or used. 
This company offered a product where consumers could load their own money onto a secured card to build credit. I never deposited any funds, and I never used the card for any purchases or transactions. 
Despite never funding or using any card or account, they began reporting late payment information and a balance to the credit reporting agencies. This has caused a negative impact on my credit score and credit history, even though no financial activity occurred on my end. 
I have disputed this account directly with the credit bureaus, but the account keeps coming back as verified without any supporting documentation or explanation. 
This appears to be a clear violation of the Fair Credit Reporting Act ( FCRA ). No debt was incurred. No services were used. The company should not report negative payment history on an account that was never funded or activated. 
I am requesting the CFPB to : Investigate this companys reporting practices Require the company to remove all negative reporting and tradelines from my credit file Provide documentation to show the basis of their verification Prevent this company from reporting derogatory information for accounts with no consumer-initiated financial activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I initiated a domestic wire transfer from my XXXXXXXX XXXX account to a recipients account at TD Bank on XX/XX/year>. 
Amount : {$2300.00} XXXX XXXX Number : XXXX XXXX Transaction ID : XXXX XXXX records show the wire was received by TD Bank on XX/XX/year>. 
However, the recipient claims they never received the funds. I immediately contacted XXXX XXXX  and submitted a wire recall request. XXXX informed me that they submitted the recall request to TD Bank, but TD Bank has not responded at all to the request. 
TD Bank is now holding funds in limbo and is not cooperating or communicating with XXXX XXXX, despite multiple follow-ups. I am not a TD customer, so I can not get help directly. The recipient is unresponsive and has not followed up with their bank. 
This is causing me financial and emotional distress. I am seeking CFPB assistance to compel TD Bank to respond to the wire recall request and confirm the disposition of the funds. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
I am filing a complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) during both the initial investigation and re-investigation of disputed accounts appearing on my credit report. 
Despite submitting valid disputes, Experian repeatedly verified inaccurate and misleading information without conducting a reasonable investigation or correcting the errors. I identified inaccurate or unverifiable information on my credit file with Experian. I have submitted multiple disputes through Experians online portal. Experian responded stating that the information was " verified, '' without showing evidence of a reasonable investigation or contacting me for further details. I submitted multiple second disputes ( re-investigation ) and again received an automated response with no meaningful correction or explanation as to how the account was verified. Experian has failed to provide the method of verification or proof that a full and proper investigation was conducted, as required by 15 U.S. Code 1681i. These reporting errors have negatively impacted my creditworthiness and caused me harm.

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 2025-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar Credit Union in XXXX Florida deliberately harasses me. I've given them the Cease and Desist order but they are disobeying it. 

I'm on a loan with my wife. However she filed divorce. Vystar took from my checking account without my consent in XX/XX/year> to pay on the loan. I went to the branch to dispute it. XXXX XXXX and XXXX XXXX both were unprofessional. I told them I had put in Cease and Desist order. After that, they didn't discuss with me anymore. 

Since then, I Iearned that my wife filed for bankruptcy. Since she filed for bankruptcy, that should be an automatic cease and Desist. By law, they can't contact any of us, but they continue to contact me. I've even given them my lawyers ' info but they are still contacting me. Please punish them for violating the Cease and Desist law.

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 2025-05-30 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FC HoldCo LLC
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File Number : Experian # XXXX Date : XX/XX/XXXX Subject : Identity Theft Notice and Request for Permanent Block of Fraudulent Information Under FCRA 605B Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft and to formally dispute and request the permanent removal of fraudulent and inaccurate information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

The accounts and public records listed below were opened and reported without my knowledge, authorization, or consent and are the direct result of identity theft. They do not belong to me, and I have no association with the listed transactions, addresses, or creditors. 

Pursuant to FCRA 605B, I am requesting the immediate blocking and permanent deletion of the following : Addresses Not Associated With Me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Public Record : XXXXXXXX XXXX XXXX XXXX Case # : XXXX ( XXXX XXXX XXXX ) Reference # : XXXX Date Filed : XX/XX/XXXX Fraudulent Credit Accounts : XXXX XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Date Reported : XX/XX/XXXX Legal Basis for My Request : Under 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required by law to block any information in my file that I identify as resulting from identity theft within four ( 4 ) business days of receiving : A copy of a valid government-issued photo ID ; Proof of address ( utility bill, bank statement, or similar ) ; A police report or FTC Identity Theft Report affirming my claim of identity theft ; A written request to block the information. 

Please block this information from my credit report within FOUR business days, as mandated by federal law.

This letter satisfies the statutory requirement, and I have included all supporting documents. Once received, you are legally obligated to : Block the fraudulent information listed above ; Notify all furnishers of this data that the information resulted from identity theft ; Prevent re-reporting of the blocked 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 explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened aXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number ( private ), a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a XXXX XXXX opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), a mobile phone account open at XXXX XXXX on XX/XX/XXXX under account number ( private ). 
. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief