vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 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 2025-11-06 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: IN

Complaint narrative:
I am reporting Direct Express XXXX XXXX operated by Comerica bank. I have been using XXXX XXXX since XXXX  due to XX/XX/XXXXand XXXX  issues I have a XXXX  XXXX. Recently, XXXX XXXX completely froze my account without warning. I cant use my card, access the mobile app, when I call and enter my card number, Im redirected every time. This happened suddenly and without any explanation.

Ive seen reports from many other XXXX XXXX users describing similar situations accounts being frozen, funds being withheld, money being stolen, and people being treated unfairly and in an abusive way by XXXX XXXX. At the time, I thought some of those claims seemed exaggerated or insane, but now Im experiencing the same problem myself. By freezing my card and preventing access to my XXXX benefits, XXXX XXXX is putting my safety at serious risk. I rely on my XXXX funds to survive. 

I believe there may be malicious intent involved, and that this could be a pattern affecting many customers for financial gain. Im documenting this issue here and plan to report it to the proper authorities, The Federal Trade Commission ( FTC ), The Consumer Financial Protection Bureau ( CFPB ), The Office of the Inspector General for the Social Security Administration, The FBI XXXX XXXX XXXX XXXX ( XXXX ) and resources in my state Indiana. 

I have already called XXXX XXXX multiple times without receiving any real clarity or help. Its really unprofessional. I also sent them the documents they requested for identity verification including my Social Security card and birth certificate to their email address. I do not believe it is a coincidence that this is happening right before the holidays. 

I also want to say I do know there are a lot of security issues and risks using direct express. I have had a lot of issues with this. But this here XXXX XXXX has randomly frozen everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am requesting a formal investigation into the following items reported on my Equifax credit file. Several accounts appear inaccurate or unverifiable under the Fair Credit Reporting Act ( FCRA 604, 605, and 611 ).

1. Charged-Off Accounts The following accounts are listed as charged off, but I believe they are either inaccurate, outdated, or reported in error : XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account # XXXX Reported XX/XX/XXXX Balance : {$87.00} XXXX  XXXX XXXX  Account # XXXX Reported XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account # XXXX Reported XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account # XXXX Reported XX/XX/XXXX Balance : {$850.00} I am requesting that Equifax verify each of these accounts with proper documentation from the original creditor.

If they can not be verified, please delete them from my report as required under FCRA 611 ( a ).

2. Late Payment Reporting These accounts are showing late payments that I believe are inaccurately reported or should not be reflected : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Please verify the accuracy of these payment histories, and remove or correct any errors. 

3. Unauthorized Inquiry XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX I do not recall authorizing this inquiry. Please verify that a permissible purpose exists under FCRA 604 ( a ), and remove it if authorization can not be proven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
I am reporting Credit Management Company for illegally re-aging a debt and reporting inaccurate information to the credit bureaus. 

This company is reporting an account ( Account # ending in XXXX ) with an " Opened '' date of XX/XX/XXXX. However, during a recorded phone call on XX/XX/XXXX, their senior representative stated the bill originated in XXXX. 

Additionally, this account is being reported under my name for a medical visit involving a XXXX  named XXXX, whom I do not know and have never been the guardian of. The address associated with the account is also not mine, and I have never lived at or near that location. 

This is a violation of : FCRA 623 ( a ) ( 5 ) Accurate reporting of the Date of First Delinquency FDCPA 807 ( 8 ) False or misleading credit reporting FCRA 611 Failure to properly verify disputed information In the recorded call, the representative confirmed the account would be deleted. However, it remains on my report and is still causing harm to my credit profile as I am in the process of purchasing a home.

I am requesting : 1. Immediate deletion of the account from all credit bureaus.

2. Confirmation of the deletion in writing.

3. Enforcement action for illegal re-aging and inaccurate reporting.

I can provide : Credit report screenshots showing the incorrect open date The recorded phone call confirming the account should be removed Proof the address and XXXX  do not belong to me I also have a recorded conversation with the company that I can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Summary : I opened a Chase checking and savings account in XX/XX/year> to qualify for their advertised {$900.00} bonus. Before applying, I called Chase twice to confirm that I would be eligible for the promotion, and both representatives confirmed my eligibility. 

After opening the accounts, I deposited {$15000.00} into the savings account, maintained the balance as required, and set up direct deposit on the checking accountmeeting all of the advertised and stated criteria.

However, after waiting four months, I still have not received the savings account portion of the bonus. When I called Chase today, I was told that my account never qualified for the bonus, despite the earlier confirmations and my compliance with all terms.

What Im seeking : Im requesting that Chase honor the original promotion as I met all of the required criteria and was explicitly told I was eligible prior to opening the accounts.

Company : JPMorgan Chase Bank , N.A . 

Product : Checking and Savings Account Issue : Promotional bonus not provided despite meeting terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NV

Complaint narrative:
I have asked for an itemized description of charges that relates to such " debt that is owed '' they claim. I reached out to XXXX, XXXX XXXX XXXX, and Diversified Adjustment Service, and have received nothing that reflects such. I have asked for contracts or anything that would reflect why I owe and have received no proof no documents, nothing. I also was on a non-contract with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: KS

Complaint narrative:
This complaint is filed to dispute the following accounts on my TransUnion credit report that I believe are incorrectly reported or incomplete : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} BANKRUPTCY, XXXX, XX/XX/XXXX, {$0.00} Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-06 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: CA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XX/XX/XXXXXXXX - XX/XX/XXXX - {$0.00} XX/XX/XXXX XXXX - XX/XX/XXXX - {$0.00} XX/XX/XXXX XXXX - XX/XX/XXXX - {$1000.00} XX/XX/XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$1200.00}

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 2025-11-06 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: NV

Complaint narrative:
Equifax is reporting inaccurate information .. that is not reporting in any other of my credit profiles which is breaking my consumer laws .. and they refuse to update or respond back its been a few rounds of disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I respectfully request a thorough investigation into the accuracy of the reported charge-off status for this account. Please provide documentation verifying that this account is being reported correctly, including all relevant details related to the charge-off. If this account can not be properly verified in accordance with FCRA guidelines, I request that it be promptly removed from my credit report. 

Charged Off Accounts : XXXX & XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1200.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-11-06 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
I have a several accounts at Wesbanco bank and I have never had a problem with them before. I had XXXX savings accounts that they claim are dormant accounts. I attempted to transfer money out of these recently but was unable to. These monies were erroneously reported as unclaimed funds and sent to the XXXXXXXX XXXX XXXX The XXXXXXXX XXXX XXXX doesnt list these monies in their possession. I want a provisional credit until this case get sorted out.

Company response to consumer: Closed with explanation