vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX  XXXX any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX 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 : {$5600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX 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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
The information shows 100 % on-time payment, but it is still showing negative on my report and the bureaus. For account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX this was debited. 
Complaint Summary : I am filing a complaint against JPMorgan Chase Bank regarding a disputed transaction of {$1200.00} that was wrongfully decided in favor of the merchant. Chase refused to provide me with the merchants identity, details of the transaction, or proof that I authorized the charge. Instead, they told me to contact WePay  at a generic email ( XXXX ) and claimed the merchant has no phone number. 

WePay  is a Chase-owned payment processor, yet Chase insists XXXX is not part of them and refuses to provide me with the actual merchant name. My account has now been debited {$1200.00}, placing it into a negative balance, and Chase continues to deny responsibility. 

Details : Transaction amount : {$1200.00} Dispute filed : [ insert date you filed dispute ] Chase denied dispute without providing documentation. 

Chase refused to disclose merchant name or provide proof of authorization. 

Chase only gave me a generic support email ( XXXX ), which is not adequate. 

Chase stated it is my responsibility to contact the merchant directly. 

Violations : Under the Fair Credit Billing Act ( for credit card transactions ) or Regulation XXXX ( for debit card transactions ), Chase is required to investigate and provide documentation of disputed transactions. 

Chase failed to provide sufficient information to allow me to recognize or verify the charge. 

Chase improperly shifted the burden to me by requiring that I contact a third-party processor ( WePay ), even though Chase itself XXXX the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved.

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-29 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding significant inaccuracies in my credit report related to my XXXX  XXXX XXXX account. After carefully reviewing my credit reports from XXXX, XXXX, and Equifax, I have identified several discrepancies that require immediate attention and resolution. * * Account Information Discrepancies : * * - * * Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - * * Account Open Date : * * - XXXX  records the account as opened on XX/XX/XXXX. - In contrast, XXXX  and Equifax report an opening date of XX/XX/XXXX. - * * Charge-Off Status : * * - XXXX  claims the account was charged off in XX/XX/XXXX. - Equifax states the account is in good standing. - XXXX  shows no status for this account as of that date. * * Payment History Inconsistencies : * * - XXXX  indicates a 180-day late payment in XX/XX/XXXX. - Equifax shows a 120-day late payment for the same timeframe. These discrepancies reflect a serious lack of accuracy in the reporting of my credit history, which poses a risk to my credit score and financial opportunities. I expect you to investigate these inaccuracies thoroughly and take appropriate corrective actions. If this account can not be accurately verified, I request its deletion from my credit report. Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding my personal medical/dental loan. On XX/XX/year>, I noticed that a forbearance had been applied to my account without my request or consent. I never requested a forbearance, and I was not notified in advance that one would be applied. 

I contacted the lender by phone on XX/XX/year>, and spoke with a representative named XXXX. He acknowledged that something wasnt working properly with my account and confirmed he would send my case to his team for review. During this call, the forbearance was reversed, but I am concerned that my account could have been negatively affected by this unauthorized action.

I am requesting that : 1. My account be confirmed to reflect its normal status with no unauthorized changes.

2. The lender ensures that no forbearance or other changes are applied without my explicit consent in the future.

3. A record of this complaint and resolution is maintained to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus.

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. Description of the Problem : I am submitting this complaint to stop an illegal foreclosure sale scheduled for Wednesday, XX/XX/XXXX, on my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

On XX/XX/XXXX, I sent a Non-Negotiable Notice of Debt Validation Request and a Notice of Qualified Indorsement to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX via United States Postal Service ( USPS ) and fax. These notices were sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), and the Truth in Lending Act ( TILA ).

Under 15 USC 1692g ( b ) and California Civil Code 1788.17, all debt collection activities including foreclosure must cease, and once a debt is disputed in writing under validation is provided.

To date, no validation has been provided by any of the named entities. Despite this, the foreclosure sale remains scheduled for XX/XX/XXXX. 

2 : Legal Violations : The following laws are being violated by proceeding with the foreclosure sale : FDCPA ( 15 USC 1692g ( b ) ) : Requires debt collectors to cease collection until validation is provided. ( XXXX XXXX XXXX XXXX is not a debt collector under the FDCPA but is covered under the RFDCPA ) Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Incorporates FDCPA requirements into California law.

Best v. Ocwen Loan Servicing, LLC ( 2021 ) 64 Cal.App.5th 568 : Confirms that nonjudicial foreclosure is debt collection under the Rosenthal Act.

TILA ( 15 USC 1601 et seq. ) : Requires clear disclosure of the creditor and terms of the debt and when that debt has been transferred.

California Civil Code 2936 : An assignment of deed of trust without the underlying note is void. A deed of trust follows the note. The note does not follow a deed of trust.

3. Actions Taken by Complainant : Sent Debt Validation Request to the foreclosing trustee, XXXX XXXX XXXX, on XX/XX/XXXX. 
Sent Qualified Indorsement Notice and Debt Validation Request to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
Sent Notice of Adequate XXXX of XXXX XXXX and multiple sworn affidavits to all parties.

All documents were sent via USPS Priority Mail with tracking and some by fax.

No substantive response has been received as of date.

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 2025-09-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AL

Complaint narrative:
I submitted an FTC Identity Theft report regarding an account with SelfSouthstate Bank this account has been reported to the consumer reporting agencies. I did not authorize this account and it is a direct result of identity theft. Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), once a consumer provides A FTC Identity Theft Report, a furnisher of information may not report the account to any consumer reporting agency unless the consumer confirms the information is correct.

Despite filing the FTC report Self SouthState Bank has continued to remain on my credit profile.

This is a DIRECT VIOLATION OF FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX CT IL XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Illinois XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-29 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:
Demand to delete all unauthorized reports that violates the code violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from Equifax, Experian, and TransUnion.

Company response to consumer: Closed with explanation