vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
In XX/XX/XXXX, I submitted a formal dispute regarding a XXXX XXXX account being reported as a charge-off across all three credit bureaus : Equifax, Experian, and TransUnion. This account is not mine. I never opened or used this credit card. I submitted an FTC Identity Theft Report along with a detailed dispute letter demanding validation, including a signed credit application, account statements, and proof that I consented to or benefited from this account. I received no proper validation from XXXX XXXX or the credit bureaus. 

This account continues to be reported with multiple inaccuracies and inconsistencies between bureaus, including : Different credit limits : {$0.00} on Equifax, {$3100.00} on TransUnion and Experian Different high balances : {$3900.00} on Equifax and TransUnion, {$0.00} on Experian Different open dates : XX/XX/XXXX ( EQ/EX ) vs. XX/XX/XXXX ( TU ) Different status comments : " Charged off by XXXX '' ( XXXX ), " Closed due to inactivity '' ( EX ), " Charged off as bad debt '' ( XXXX ) Past due 90 days reporting : XXXX ( EQ ), XXXX ( EX ), XXXX ( TU ) Last activity/payment dates do not match These inconsistencies violate the Fair Credit Reporting Act 1681e ( b ), which requires furnishers and credit bureaus to report information with maximum possible accuracy. They also violate 1681i, which requires a timely and reasonable investigation of disputed information. To date, no such investigation or proper response has occurred. 

I am a confirmed victim of identity theft. My information was compromised in the XXXX Equifax data breach, and I believe this XXXX XXXX account may have been fraudulently opened using my stolen personal data. I never received or used this account, and no documentation proving otherwise has been provided. 

I have attached my : FTC Identity Theft Report Formal dispute letter Copy of the XXXX XXXX charge-off as reported Proof of Equifaxs data breach exposure Reporting this account without proper validation is harming my credit, finances, and causing emotional distress. XXXX XXXX and the credit bureaus have failed to comply with the FCRA, failed to provide proof, and continue to report unverifiable 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 2025-05-29 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: MD

Complaint narrative:
In XX/XX/XXXX, I submitted a formal dispute regarding a XXXX XXXX account being reported as a charge-off across all three credit bureaus : Equifax, Experian, and TransUnion. This account is not mine. I never opened or used this credit card. I submitted an FTC Identity Theft Report along with a detailed dispute letter demanding validation, including a signed credit application, account statements, and proof that I consented to or benefited from this account. I received no proper validation from XXXX XXXX or the credit bureaus. 

This account continues to be reported with multiple inaccuracies and inconsistencies between bureaus, including : Different credit limits : {$0.00} on Equifax, {$3100.00} on TransUnion and Experian Different high balances : {$3900.00} on Equifax and TransUnion, {$0.00} on Experian Different open dates : XX/XX/XXXX ( EQ/EX ) vs. XX/XX/XXXX ( TU ) Different status comments : " Charged off by XXXX '' ( XXXX ), " Closed due to inactivity '' ( EX ), " Charged off as bad debt '' ( XXXX ) Past due 90 days reporting : XXXX ( EQ ), XXXX ( EX ), XXXX ( TU ) Last activity/payment dates do not match These inconsistencies violate the Fair Credit Reporting Act 1681e ( b ), which requires furnishers and credit bureaus to report information with maximum possible accuracy. They also violate 1681i, which requires a timely and reasonable investigation of disputed information. To date, no such investigation or proper response has occurred. 

I am a confirmed victim of identity theft. My information was compromised in the XXXX Equifax data breach, and I believe this XXXX XXXX account may have been fraudulently opened using my stolen personal data. I never received or used this account, and no documentation proving otherwise has been provided. 

I have attached my : FTC Identity Theft Report Formal dispute letter Copy of the XXXX XXXX charge-off as reported Proof of Equifaxs data breach exposure Reporting this account without proper validation is harming my credit, finances, and causing emotional distress. XXXX XXXX and the credit bureaus have failed to comply with the FCRA, failed to provide proof, and continue to report unverifiable 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
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX. U. S. CXXXX XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding a charged-off account being reported and pursued for collection by EnerBank USA , despite the following serious legal and ethical issues : The account stems from a XXXX transaction, making it over XXXX XXXX XXXX, and well beyond the statute of limitations for collection and credit reporting. Per the FCRA, this account should no longer appear on any credit report, as it is more than XXXX XXXX XXXX, yet it is still being reported as a delinquent charge-off. 
The debt was related to a specialty paint and coating job on our home, arranged with a contractor we met at a home show in XXXX XXXX FL. The contractor was based out of XXXX FL, and used EnerBank USA as the financing institution for his customers. 
Services were not properly rendered. Rust and structural defects began showing through the coating almost immediately after application. We sent extensive written complaints, including photos, letters, and emails, to both the contractor and EnerBank. 
The contractor failed to follow up, never made corrections, and we never received the promised follow-up services. As a result, we disputed the charge with EnerBank at the time, and have continued to do so consistently. 
We also filed a complaint with the Florida Attorney Generals Office, and we have a comprehensive folder of documentation showing the service failure, attempts to resolve the issue, and the ongoing dispute.

EnerBank has refused to provide validation of the debt beyond a basic balance summary. When we requested documentation proving the legitimacy of the charge ( such as a signed service completion confirmation or proof the services were performed and accepted ), they failed to provide any such documentation, in violation of Section XXXX of the Fair Debt Collection Practices Act ( FDCPA ). 
Despite all of this, EnerBank continues to : Report this invalid and expired debt to the credit bureaus Refuse to offer proper resolution or validation Ignore the fact that the debt was disputed and the services were never rendered This conduct is not only in violation of the FDCPA and FCRA, but it has also caused ongoing financial harm due to the continued derogatory reporting on our credit profiles. 
I am requesting : Immediate removal of this account from all credit reports. 
Cessation of all collection activity on this disputed debt. 
Formal review and enforcement action against EnerBank USA for their failure to comply with consumer protection laws. 
I am in the process of forwarding supporting documents and dispute correspondence directly to the creditor and will upload evidence here to support this complaint. 
Thank you for your assistance in resolving this matter.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy and completeness of several items in my credit file. Under XXXX USC XXXXe ( b ), consumer reporting agencies are required to assure maximum possible accuracy of the information contained in consumer reports. Additionally, XXXX USC XXXXi ( 5 ) requires prompt deletion or correction of inaccurate information, and XXXX USC XXXX obligates furnishers of information to report accurately. 

Below, I have detailed the disputed items in three categories. These items are inaccurate, outdated, and not compliant with federal reporting standards. I demand that these items be deleted immediately as required under the FCRA. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$730.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$630.00} - XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX, {$400.00} - XXXX XXXX, XX/XX/XXXX, {$190.00} - XXXX XXXX XXXX, XX/XX/XXXX, {$230.00} - XXXX XXXX XXXX ( XXXX ), XX/XX/XXXX, {$150.00} - XXXX, XX/XX/XXXX, {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I am filing this complaint regarding Chase Card Services and their handling of a credit limit reduction and the promised reconsideration process, which I was systematically and deceptively denied access to. 

On XX/XX/year>, I received a letter from Chase notifying me of a credit limit reduction on my XXXX XXXX card ( ending in XXXX ) to {$1100.00}. The letter clearly stated I had 60 days to request a reconsideration based on any financial improvements made. A similar reduction was issued on my Chase XXXX card ( ending in XXXX ), reduced to {$3400.00}. 

I took this window seriously and worked hard to improve my financial profile. By XXXX, I had reduced my credit utilization to below XXXX percent, raised my credit scores to XXXX ( XXXX  ) and XXXX ( XXXX  ), and maintained on-time payments with no new accounts opened. 

Believing I was following Chase 's instructions, I contacted them on XX/XX/XXXX still within the XXXX window and was told by their Executive Office that my account would be reviewed and that I would receive an update by XX/XX/XXXX or XX/XX/XXXX at the latest. I followed up as instructed. 

However, on XX/XX/XXXX, I was told that no reconsideration request had ever been submitted and that because the XXXX window had now technically closed by XXXX days, I was no longer eligible. At no point during my calls was I told I had to take additional steps to formally apply for reconsideration. In fact, I was passed between departments and told it was being reviewed. 

Chase denied me not because I missed a deadline, but because they intentionally kept me from understanding how to meet it. Their agents repeatedly failed to inform me that I needed to submit anything beyond the calls and follow-ups I diligently made. Then, after the deadline passed, they used this omission to dismiss my eligibility. 

This is a failure of transparency and a deceptive business practice. I am requesting that Chase be required to conduct the reconsideration they promised and that I attempted to pursue in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Please see multiple communications I am copying and pasting. 

I have now contacted Barclay 12-14 times on the XX/XX/XXXX charge of {$31.00}. <br><br>I hav XXXX XXXX XXXX XXXX XXXX I have now contacted Barclay 12-14 times on the XX/XX/XXXX charge of {$31.00}. 
I have contacted the Dispute Unit 6-7 times, Each time I am told the same thing and each time nothing happens. You guys cant seem top figure this out no matter how many times I have explained it. 
Please credit this charge and CLOSE THIS ACCOUNT. 
I need this account XXXX XXXX and CLOSED. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX Just to clarify for the 100th time.... XXXX charged me without consent on XXXX XXXX XXXX XXXX for {$31.00} AND XXXX XXXX XXXX XXXX for {$31.00} I disputed BOTH of these charges. You keep getting confused and thinking I only disputed one of these charges. 
On XX/XX/XXXX, I was credited back only one charge for {$31.00}. 
As I have said a million times now, I need the second charge credited back as well. 
You still owe me another credit of {$31.00}. You just need to file a claim with the merchant. 
Does this make sense to you? 
Thanks 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 2025-05-29 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: NJ

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 may 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 seven 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 2025-05-29 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: NJ

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 may 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 seven 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 2025-05-29 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: Experian Information Solutions Inc.
State: IL

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

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

XXXX U.S.C. XXXX ( 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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I was buying XXXX on cashapp and it took money out my bank account instead of using the money in cashapp when I seen it I deleted my account information and they put it back on there and took more money out and won't pay it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
Recently I review a copy of my credit report & notice some Fraudulent accounts on my report please remove these fraudulent accounts cause they hurt my ability to get credit thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX Sheriff 's office showed up to my house and was taking pictures of my home advising that tower loan was going to file a suit against me and will take my home. This is the 2nd time they have showed up to my home and threatened my elderly parents. This was a personal loan that was paid and then they tricked me into refinancing the loan to catch up payments. There is currently a case with the state of MO but I need this looked in to and need a stop to this Tower Loan company showing up to my residence while I'm not there threatening my parent and children XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri case number is XXXX and attorney is XXXX, XXXX XXXX This is not fair practice and against the law id think for them to threaten me like that and have the sheriff show up with a summons but then proceed to take pictures of my home to threaten my elderly parents. Tower loan is threatening and charging ridiculous amounts of interest to trap customers

Company response to consumer: Closed with explanation