vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
About {$3000.00} in transactions were made under my Chase account. A fraudulent charges claim was put in by myself back in XX/XX/XXXX. It was eventually mostly ruled against me in XX/XX/XXXX. A handful of charges were removed, but 90 % of them were ruled against me, stating that I received some kind of benefit from the transactions, despite me not making any of the transactions myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday XX/XX/year>, I contacted both Chase Bank customer service and the XXXX department and EWS XXXX times regarding an issue with my phone number being restricted from XXXX. I spoke with multiple representatives, including a supervisors. My original Chase account was closed for fraudulent reasons, but after appealing, I was able to open a new account. However, my phone number is still linked to the old accounts XXXX profile, so XXXX cant enroll it for XXXX with my new Chase account or my XXXX account. 

When I called Chase, I was told that XXXX XXXX XXXX ( EWS ) needed to lift the restriction. I then contacted EWS, but they informed me that Chase was the one who had to fix it. After I relayed thIS BACK TO CHASE AND HAVING BOTH SUPERVISORS ON THE PHONE, the supervisor initially agreed it was something Chase had to resolve and transferred me to the fraud department but that department repeated that only EWS could remove the restriction. XXXX now stuck in between both companies, and the issue remains unresolved. 

XXXX asking for assistance in having my phone number released or the restriction lifted so I can use XXXX again with my current accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase Bank , N.A . ( JPMCB AUTO ) is furnishing false and misleading information to consumer reporting agencies regarding an auto loan account. The account is reported as Charged Off with a balance of approximately {$10000.00}, while also showing repeated 60-day late notations after the initial charge-off date, which is impossible because a charged-off account can not continue to accrue delinquencies or be re-charged off.

I disputed this with the credit bureaus and directly with JPMorgan Chase. Despite providing documentation, JPMorgan continued to report inaccurate information and failed to correct or verify ownership as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). 

Additionally, JPMorgan Chase & Co.s XXXX  Form 10-K ( Note 12 Loan Securitizations and Variable Interest Entities ) confirms that the company securitizes retail auto loans and receivables through trust structures ( VIEs ) and transfers beneficial ownership to investors. Therefore, JPMorgan Chase can not truthfully report that this same receivable remains personally owed to JPMCB AUTO.

The continued reporting of a balance allegedly owed to JPMorgan after securitization, along with duplicative charge-off and delinquency notations, constitutes knowingly false and misleading furnishing. I request that JPMorgan : Provide full validation and proof of current ownership of the receivable ; Delete all inaccurate and duplicate charge-off data ; and Correct all reporting across XXXX, XXXX, and XXXX. 

Dates & Actions : Original charge-off : XXXX Evidence attached : Copies of XXXX  report showing multiple charge-offs, certified-mail receipts, and relevant XXXX excerpt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NY

Complaint narrative:
The following accounts and inquiries do not belong to me : THE XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-02 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:
The following accounts and inquiries do not belong to me : THE XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Balance : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - Balance : {$230.00} Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
This is a continuation of CFPB Complaint # XXXX. I am filing an additional complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) was unlawfully repossessed while under dispute and regulatory investigation. No default occurred. The security instrument was never returned. Personal items taken include my passport, drivers license, wallet, {$200.00}, and other confidential materials. I am medically XXXX and classified as a Protected Dependent Adult under CA XXXX XXXX. This matter involves data trafficking, identity theft, unauthorized reporting, and retaliation. I demand full return of all property, deletion of adverse reports, permanent opt-out of data sharing, and restoration of my XXXX XXXX to XXXX. I am a services-based contributor to XXXX Motor XXXX XXXX XXXX chain under the Modern Slavery Act XXXX ( XXXX ) XXXX Section 54 ( 4 ) ( b ), California Civil Code 1714.43, and Fords XXXX Global Modern Slavery and XXXX XXXXrafficking Transparency Statement. Ford explicitly identifies indirect suppliers of services as part of its defined global supply chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card account was closed by the bank on XX/XX/XXXX due to a " suspicious activity '' review. I am not disputing the banks right to close the account. 
At the time of closure, the account had approximately XXXX rewards miles that had already been earned and posted from legitimate spending. 

After the closure, I was informed that I would not be able to redeem or access those rewards because the account is now closed. I was never given the opportunity to redeem the miles prior to closure. 

I have continued making payments on the account and intend to satisfy the balance. I am acting in good faith and simply requesting fair treatment regarding rewards that were earned prior to the account closure. 

I am asking for one of the following outcomes : Reinstatement of the earned rewards miles, or Compensation equal to the value of the earned miles I believe consumers should not lose already-earned rewards without notice or opportunity to redeem them, especially when they continue to honor their financial obligations. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) for failure to properly reinvestigate disputed information and continued reporting of inaccurate, incomplete, and unverifiable data on my consumer credit report. 

I disputed multiple tradelines with Experian/Equifax/TransUnion : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX days XXXX XXXX  loans ( multiple tradelines ) XXXX, XXXX XXXX XXXX XXXX charge-off XXXX charge-off XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Violations include : Failure to perform a reasonable reinvestigation FCRA 1681i ( a ) Failure to maintain maximum possible accuracy FCRA 1681e ( b ) Failure to forward all dispute documents to furnishers 1681i ( a ) ( 2 ) Continued reporting without competent documentary evidence Possible re-aging of accounts illegal extension of reporting period I demanded verification under FCRA and Regulation V ( 12 CFR 1022.43 ) which requires furnishers to : Investigate disputes, Review all documentation I provided, Report accurate results back to the bureaus. 

Instead : The CRAs marked the accounts as verified, But refused to provide Method of Verification, Furnishers did not provide any proof, such as signed agreements or itemized payment history.

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 2025-11-03 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 2025-11-03 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: OH

Complaint narrative:
I am disputing inaccurate and incomplete reporting by Experian under the Fair Credit Reporting Act ( FCRA ). Experian continues to report a XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. account as a charge-off with a {$3800.00} balance even though no payment activity or updated information has been verified since XXXX. Experian previously marked this item dispute resolved in XX/XX/XXXX, but the reinvestigation was conducted through an automated e-OSCAR system without actual documentation. 

This practice violates FCRA 611 ( a ) ( reasonable investigation ), 609 ( a ) ( 1 ) ( right to documentation ), and 623 ( a ) ( 1 ) ( A ) ( accuracy duty of furnishers ). The courts have held that automated reinvestigations are insufficient : XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I have requested Experian to provide the Method of Verification and supporting evidence of the balance and date of first delinquency, but they have not produced any. The reporting remains unverifiable and misleading.

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 2025-11-02 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: NY

Complaint narrative:
The following accounts and inquiries do not belong to me : THE XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXXXXXX 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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> I tried to send {$100.00} through CashApp. It said that it was pending due to suspicious activity, it still took the money out of my account though, it went through on my bank statement on XX/XX/year>. I asked the Cash App Support Chat what that meant, and it said that " a payment stays pending when it needs action from the sender or the recipient and it will automatically expire and return after 14 days if nothing is done ''. I tried canceling the transaction so that I could meet my obligation to that person via a different method since this one wasn't working but it didn't give me the option to cancel the transaction so I figured I would just wait until the 14 days passed and then meet the obligation since it also said that " if cancel isn't available, it should expire and return automatically at day 14 ''. I waited, the money never got returned to my account. That was the first part. On XX/XX/year>, I needed to do laundry and needed cash, I didn't have my physical debit card with me but I did have my Cash App Card on me, so I put XXXX dollars into my account which it did let me do, but it didn't let me withdraw it at the ATM, it didn't let me purchase anything so that I could get cash back, I tried sending it to a friend so that she could do it for me, but it said the transaction was pending, but this one it did let me cancel so I canceled it. I added another XXXX dollars because I was planning to make a purchase w a physical card, and I needed my cash app card to do that. At this point, I have a total of {$100.00} in my Cash App Account, I try to buy something from the vending machine and it says declined all four times, I try to withdraw {$7.00} so that I can put it in my checking account at XXXX XXXX and I can just pay with XXXX XXXX since the vending machine takes it, but it won't let me withdraw it. I then try withdrawing the total balance, it doesn't let me. Cash App Support told me that my card was probably locked, it wasn't, I locked it and unlocked it to see if that would work, it didn't and I haven't been able to access it since. I called support since the chat wasn't helping, they told me that the account had been " escalated '' to " internal compliance '' and that there was nothing they could do. I asked for more information, at the very minimum a date I could expect to hear back but they said nothing, they said they emailed them to request them to expedite it but I wasn't cc 'd on the email, so I didn't see it and I still haven't heard from them, it is now XX/XX/year>.

Company response to consumer: Closed with explanation