vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Company : First Horizon Bank Issue : Improper credit reporting illegally re-aging debt Category : Credit reporting Product : Checking or savings account ( or choose " Other '' if credit card/loan is not listed ) What happened? 

I am submitting this complaint because First Horizon Bank has continued to re-age a delinquent account in violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ). They have not provided any proof of payment activity or documentation of the original date of delinquency ( DoFD ), which is required to determine how long the item can legally remain on my credit report.

Despite prior written disputes, First Horizon : Refused to provide a full transaction or payment history for the account Has not disclosed the actual date of first delinquency Continues to report the account as recently delinquent, restarting the 7-year clock on an account that is many years old Validated the debt on XX/XX/XXXX without addressing the issue of aging or supplying legally required records The FCRA mandates that furnishers accurately report the date of first delinquency to the credit bureaus so the item is removed after 7 years. By failing to do soand continuing to update the account as recently delinquentFirst Horizon is misrepresenting the age of the debt, which is prohibited re-aging and a violation of 15 U.S.C. 1681s2 ( a ) ( 5 ).

Basis for Deletion : The account was opened on XX/XX/XXXX. 
Your own reporting reflects delinquency as early as XX/XX/XXXX, showing 30-day, 60-day, and 90-day missed payments through that year. 
I never made any payments on this account, and it has never been brought current. 
You have continued to report 180-day delinquencies every year from XXXX through XXXX without basis. 
Under FCRA 605 ( a ), the 7-year time limit for reporting delinquent information begins with the first missed payment that was never resolved. In this case, the Date of First Delinquency is no later than XX/XX/XXXX, meaning this account must be purged by XX/XX/XXXX. 
Your continued reporting past this date without proof of repayment, reinvestigation, or consumer authorization is a clear violation of federal law.

Additionally, under FCRA 623 ( a ) ( 5 ), re-aging a tradeline to make it appear more recent is unlawful without actual payment or consumer activity.

Under FCRA 605B, you were notified of identity theft and presented with proper documentation. You have failed to block the item as required and failed to provide any factual basis for denial. 
Under the Tennessee Consumer Protection Act, Tenn. Code 47-18-104, these continued practices may also constitute deceptive and unfair reporting in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2020, Balance : {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a trade line reported by XXXX currently listed on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I submitted a timely and formal request to ProCollect for debt validation.

To date, XXXX has failed to provide proper validation or verification of the alleged debt, including but not limited to a signed agreement, itemized accounting, or proof that I am legally obligated to pay the amount being reported. 

Because they have not validated this debt as required by law, and because the continued reporting of this unverifiable account constitutes inaccurate and unfair credit reporting, I am requesting immediate deletion of this trade line from my Equifax report. 

Please investigate this matter and remove the XXXX entry promptly to ensure compliance with federal consumer protection laws.

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 2025-07-16 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My paydate was XX/XX/XXXX and I realized that I did not receive payment on the paydate. When I checked the direct deposit, the number was off by one number. The funds had been sent to someone else. My name and routing number was correct but the account number was wrong. I had contacted Chase with alongside my employer ( XXXX ) who contacted separately asking for them to reroute payment to me or resent payment back to XXXX so they can reissue me the funds correctly. 

On call with Chase, the representatives I have spoken to have confirmed they can see the direct deposit in my name being deposited into another account that I dont have access to. But they are unable to reissue or reroute funds. 

XX/XX/XXXX : Paydate XXXX XXXX : I reported the missing pay and was told by HR to contact Chase. Chase initially said funds would return to XXXX within 3 days. 
XXXX XXXX : Funds didn't return. Payroll got involved. Chase informed me they couldn't recall the funds ; XXXX had to. 
XX/XX/XXXX : Payroll Manager joined the case. Chase confirmed XXXX needed to contact them directly from a business account to reroute the funds. 
XX/XX/XXXX : Payroll Manager and I spoke with Chase. They stated they couldn't recall/reroute funds. Recommended to contact XXXX ( Company Loeal used to issue direct deposits ) to recall funds. XXXX couldn't help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MULTIPLE DATA BREACHES MY PERNOAL AND FINANCIAL INFORMATION HAS BEEN COMPRESSED AND VIOLATED F.E.R.P.A

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 2025-07-16 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MULTIPLE DATA BREACHES MY PERNOAL AND FINANCIAL INFORMATION HAS BEEN COMPRESSED AND VIOLATED F.E.R.P.A

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company : XXXX XXXX XXXX  Issue : Improper credit reporting illegally re-aging debt Category : Credit reporting Product : Checking or savings account ( or choose " Other '' if credit card/loan is not listed ) What happened? 

I am submitting this complaint because XXXX XXXX XXXX  has continued to re-age a delinquent account in violation of the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ). They have not provided any proof of payment activity or documentation of the original date of delinquency ( DoFD ), which is required to determine how long the item can legally remain on my credit report. 

Despite prior written disputes, XXXX XXXX  : Refused to provide a full transaction or payment history for the account Has not disclosed the actual date of first delinquency Continues to report the account as recently delinquent, restarting the 7-year clock on an account that is many years old Validated the debt on XX/XX/XXXX without addressing the issue of aging or supplying legally required records The FCRA mandates that furnishers accurately report the date of first delinquency to the credit bureaus so the item is removed after 7 years. By failing to do soand continuing to update the account as recently delinquentXXXX XXXX is misrepresenting the age of the debt, which is prohibited re-aging and a violation of 15 U.S.C. 1681s2 ( a ) ( 5 ). 


Basis for Deletion : The account was opened on XX/XX/XXXX. 
Your own reporting reflects delinquency as early as XX/XX/XXXX, showing 30-day, 60-day, and 90-day missed payments through that year.

I never made any payments on this account, and it has never been brought current.

You have continued to report 180-day delinquencies every year from XXXX through XXXX without basis. 
Under FCRA 605 ( a ), the 7-year time limit for reporting delinquent information begins with the first missed payment that was never resolved. In this case, the Date of First Delinquency is no later than XX/XX/XXXX, meaning this account must be purged by XX/XX/XXXX. 
Your continued reporting past this date without proof of repayment, reinvestigation, or consumer authorization is a clear violation of federal law.

Additionally, under FCRA 623 ( a ) ( 5 ), re-aging a tradeline to make it appear more recent is unlawful without actual payment or consumer activity.

Under FCRA 605B, you were notified of identity theft and presented with proper documentation. You have failed to block the item as required and failed to provide any factual basis for denial.

Under the Tennessee Consumer Protection Act, Tenn. Code 47-18-104, these continued practices may also constitute deceptive and unfair reporting in commerce.

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 2025-07-16 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX  - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-07-16 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: WI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2025-07-16 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Please note Claim Number XXXX XXXX and XXXX For XXXX and XXXX XXXX for a round trip flight to XXXX. We in good faith XXXX XXXX XXXX XXXX for Amex XXXX after XXXX our tickets from AMEX XXXX XXXX Now in a written letter and phone confirmations AMEX XXXX tells us we are entitled to a full refund BUT we must wait one year for our E tickets from XXXX to Expire XXXX Outrageous!!!! 
After repeated one hour and longer waiting time and numerous runarounds with Amex XXXX, Amex XXXX and finally XXXX nobody wants this issue to be resolved. I truly feel like we have been SCAMMED!! 
Your consultant XXXX XXXX after working feverishly on this issue for days just threw up her hands and gave up!! 
I have written to the Aviation Consumer Protection Division of the DOT, XXXX, Connecticut XXXX XXXX XXXX XXXX, at XXXX XXXX, and our legal representative. 
My wife and I are elderly ( XXXX old ) live on a fixed income and this deception is causing a sever financial hardship on us both.This case should be resolved immediately without further delay.We have Amex customer for over XXXX years this is no way to enhance and grow the AMEX brand XXXX! .Please advise on how this can be resolved ASAP. .. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : 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