vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am the victim of XXXX XXXX, and fraudulent accounts have been placed on my credit file without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I hereby demand that you block and permanently delete all information resulting from identity theft from my credit report.

I am providing the following documents as required by law : My FTC Identity Theft Report ( satisfying the definition of an Identity Theft Report under the FCRA ) A copy of my government-issued ID A copy of my Social Security card Proof of my current address Under 15 U.S.C. 1681c-2 ( a ), once you receive this identity theft report and my identification, you are legally obligated to block fraudulent information within four ( 4 ) business days.

Please note : A police report is not required where an FTC Identity Theft Report is provided.

Continuing to report fraudulent information after receiving this documentation constitutes willful noncompliance with the FCRA, exposing your bureau to liability under 15 U.S.C. 1681n and 1681o.

Accordingly, I demand that you immediately block and permanently delete all fraudulent accounts and inquiries associated with this identity theft and send me written confirmation that my file has been corrected.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
To : American Express Customer Service I am a XXXX XXXX  and an XXXX XXXX XXXX XXXX cardholder. For more than XXXX years, my XXXX XXXX account has remained locked at the same credit limit despite repeated applications and a clean payment record. Each application results in the same outcome : no increase, with no clear explanation provided. 

Details : Multiple applications over XXXX years have been denied without meaningful disclosure. 
I have maintained my XXXX XXXX account in good standing and responsibly managed my credit. 
Denials appear to be system-based, rather than reviewed by a human underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I opened a new checking account aftsr i read about the XXXX promotion. I contacted wells farvo per their direction to confirm the account 2as set up corre tly. I actualy opsned 3 seperate accou t by mistake. Which they deleed.keep8 g one account. Icalled a XXXX time in XXXX. My accou t was opened XXXX. On XX/XX/year> i called again concerned there is no update on my account progress i asked if they would confirm verify i am meeting their requirements And XXXX bonus i called again in mid XXXX and did was told XXXX bonus l. iwas told it wont show up until after the 90 days but they could. Confirm if my direct deposit doesnt change i will meet the requirements l.called 5 x and i was never told i wasnt 3nrolldd. It re ads im eligible i nust hVe to make 1k xirect delosit e erh monthbfor 90 days

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 monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
On XX/XX/year>, a certified letter was sent to XXXX XXXX XXXX XXXX XXXX to revoke consent given to release medical and/or personal information for ALL accounts, records, anything with my social security number. Medicredit is now trying to collect monies owed and can not verify due to consent being revoked to obtain any records or info dealing with my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I opened the account with XXXX XXXX listed as XXXX  on credit report , in XXXX. The account was then transferred/purchased by another lender in XXXX, XXXX XXXX. The account, upon transferring and closing in XXXX was paid/closed as agreed. 
For some odd reason, the account listed with first lender, XXXX has an account status as Derogatory yet comment stating purchased by another lender and sold to XXXX  XXXX The account transferred into with XXXX  XXXX is stated closed and paid. Why does both listed accounts, same account numbers just with different lenders, have 2 different account statuses, thus hurting and damaging my credit? 
Attached from myfico and identity iq shows the differences with both accounts as stated above. 
Ive constantly wrote and mailed, called and disputed on this reporting agencies website several times on re-investigating and sending me their findings because when I contact XXXX, they inform me my account is listed as transferred to XXXX and that it was never in a derogatory status. Contacting XXXX, they informed me my account was paid and closed. Yet every time I dispute, I constantly received the results of verified and accurate which is not true. Ive not once received how the investigation was conducted or where are they getting this inaccurate information from to list XXXX  account as derogatory. Ive been disputing this account for over 4 years now to no avail. Its so frustrating and exhausting. At one point, I disputed online and the next day I received the results verified and accurate. No way this account was thoroughly investigated in less than XXXX hours. 
This account should be listed as paid/transferred or sold and closed. It should mimic the account as XXXX since they are in fact the same account. If you all thoroughly investigated, you will be told the same exact information. Further more, you can see the same exact account numbers with both lenders and the dates on closing and transferring.or again by thoroughly investigating and contacting the lenders. 
You all are conducting shameful investigations, which cfpb caught onto as well, and constantly violating the Fair Credit Reporting Act ( FCRA ) by failing to correct errors on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
FCRA violations Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) Permissible Purpose 15 USC 1681b Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX is a victim of Equifax XXXXXXXX XXXX and having issues with unauthorized transactions that keeps being reinserted on my credit report. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX. XXXX XXXX # XXXX * * * : Opened XX/XX/XXXX : XXXX {$3600.00} XXXX. XXXX XXXX XXXX # * * XXXX : Opened XX/XX/XXXX : XXXX {$530.00} I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate removal of the unverified, inaccurate, amd unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I asked all three-credit reporting agency to provide and prove the accuracies of the information being reported to them by different creditors and all three replied to me that they do not any information on my credit profile. I pulled my most recent credit reports with all bureaus through Experian as well as annual credit report website and they all have creditor information that is being report to all three reporting agencies. When I reached out to the credit agencies, I sent them last four of my social and as well my current address and Driver 's License number as proper Identification. They wrote back to me that they do not have anything or file on my name with either reporting agency and as will they wanted me to send them back my full social and a few other things to which I fell could be a form of fraud or even consider as stolen Identity used the improper way.

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 2025-09-30 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Ref : XXXX Request to restore Slate account and unlock fair access to business credit ( disabled veteran and business customer ) To : JPMorgan Chase Card Services/ Compliance I am a disabled veteran and a Chase business checking customer. I was previously a long-standing XXXX  cardholder, but Chase kept my credit limit permanently locked at {$500.00} despite a clean payment history. In frustration, I closed the account. Recently, I applied again for a new XXXX account and was denied. 

To address this, I sat down with a Chase XXXX XXXX banker and even spoke with an underwriter, but I was told the underwriter had no access to resolve the issue. That demonstrated that Chases escalation process is performative rather than substantive. 

Why this is harmful : It erased years of positive history tied to my original XXXX tradeline. 
It penalized me twice : first by capping my account at an unusable {$500.00} limit, then by denying me when I attempted to re-establish it. 
It undermines trust in Chase XXXX XXXX services when underwriting is presented as a solution but has no authority to act. 
It disproportionately harms disabled veterans like myself, who rely on stability and transparency. 
As a Chase business checking customer, I have also been locked out of meaningful Chase business credit products, despite my established banking relationship. This contradicts the value Chase advertises to business clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax ( 605B Four-Day Block Violation ) On XX/XX/XXXX, I submitted to Equifax my complete FTC Identity Theft Report package ( # XXXX ), including government ID, proof of address, and a sworn affidavit of non-ownership. 

The Congressional law is clear. FCRA 605B ( c ) ( 2 ) ( 15 U.S.C. 1681c-2 ) states : 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 XXXX business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX added this law in XXXX to provide immediate relief to fraud victims. Lawmakers specifically rejected the XXXX reinvestigation process under 611. XXXX days means XXXX days. 

Equifax violated this law. Instead of blocking the fraudulent tradelines by the XX/XX/XXXX deadline, Equifax downgraded my 605B filing into a 611 reinvestigation, unlawfully giving itself XXXX  days. XXXX after day XXXX is invalid. 

As a result, fraudulent tradelines remain on my Equifax report, blocking me from credit, housing, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint against Equifax regarding multiple unauthorized hard inquiries that appeared on my credit report. I contacted Equifax and informed them that I did not authorize these hard inquiries. Despite this, I was told on a recorded line that Equifax would not investigate or remove the inquiries, and that I would need to contact each individual lender ( over eight of them ) myself. 

Issue : This response is unacceptable and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation if a consumer disputes information in their file.

I clearly informed Equifax that the inquiries were unauthorized and requested they be removed. Rather than initiate an investigation, Equifax wrongfully placed the burden on me to contact each individual creditor. This is a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Reinvestigation of Disputed Information.

FCRA Section 604 ( 15 U.S.C. 1681b ) : Permissible Purposes of Consumer Reports prohibits access to credit reports without proper authorization.

Hard inquiries impact my credit score and imply that I applied for credit, which I did not. Failure to remove them after my formal dispute is a willful neglect of Equifaxs duty to ensure accuracy and to respond properly to disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC.
State: ME

Complaint narrative:
Legally, a mortgage company is only allowed to hold twice your monthly escrow. 

Arvest mortgage shows a projected payment of {$400.00} over the next 12 months, which leaves the escrow with over {$1100.00} after the cycle. This {$300.00} over the " twice a monthly escrow '' limit Furthermore, my monthly bill shows them holding {$500.00} per month, which contradicts the escrow analysis they just sent me a couple months ago. 

I have tried to resolve this with them on the phone multiple times. I am constantly told I will get a call back. I do not got any call backs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 identity 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 " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable 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 purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon 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