vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
A Consumer agency pulled my credit report i found a collection on my credit report I requested to moved from my personal credit report XXXX XXXX XXXX XXXX {$750.00} Account XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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 recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXX - XXXX ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it reported to any credit bureau. 
I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation. 
LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what Equifax is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account- and the related hard inquiries - without any documented consent constitutes a direct violation of this section. They're using and disclosing my non-public personal information without authorization. 
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( XXXX XXXX. XXXX ) identifying the disputed account and inquiries, yet Equifax continues to report them, causing ongoing harm and violating this section. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Equifax has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met. 
PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of this unauthorized account. When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying. 
I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was bad because of something that isn't even mine. It was stressful looking for another place and facing the same problem over and over. 
My insurance premiums increased due to credit-based pricing. I'm literally paying more money every month because of something I didn't do. 
This ongoing situation has caused me real financial pressure. I wake up worried about this. It's frustrating and causes XXXX knowing that I'm being punished for something that violated my rights from the beginning. It affects my daily life in ways it shouldn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute and demand removal of the following unauthorized or unverifiable hard inquiries that appear on my XXXX credit report as of XX/XX/XXXXXXXX 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  I am writing to formally dispute and demand immediate deletion of the following unauthorized and inaccurate hard inquiries appearing on my credit file. These inquiries were not authorized by me, and I have no existing credit relationship, application, or permissible purpose under federal law with any of these entities. 
Inquiries to Be Removed : 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 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Venmo froze my account I sent my id in they still want let me transfer my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, between XXXXXXXX XXXX, I visited the Chase Bank branch at XXXX XXXX in XXXX, TX to resolve an issue with my business debit card. 
When I tried to use the ATM, a fraud alert appeared and blocked my transaction. 

A branch associate said she couldnt help and told me to call the number on my card. I called immediately, but the phone representative said their system was down. Another associate suggested I go to the teller, XXXX XXXX, who also couldnt assist. Shortly after, I received an email that all my cards were locked and that replacements would take 57 days. 

I explained that I urgently needed access to my business funds for a supplier payment, but was told I could only get a replacement faster if I paid a rush fee which couldnt be processed. I was referred to a manager, XXXX, and waited nearly an hour with no help. I left frustrated and unable to access my own business funds. 

Because of this, I lost an important business deal and felt I was treated unfairly and dismissively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
I am submitting this dispute once again regarding inaccurate and unverifiable information that continues to appear on my Equifax, TransUnion, and Experian credit reports despite my previous efforts to have these errors corrected. This dispute concerns two critical categories of reporting inaccuracies that are negatively affecting my creditworthiness and misrepresenting my financial history. First, several addresses are being reported that have no connection to me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, all located in XXXXXXXX XXXX  These addresses are inaccurate and should not be associated with my credit file. Second, multiple accounts reported by XXXX and one reported by XXXX XXXX XXXX  continue to reflect false late payment data that directly contradicts my verified payment history. These inaccuracies persist despite previous disputes, and their continued reporting demonstrates a failure to maintain the standard of maximum possible accuracy as required under FCRA 607 ( b ). Additionally, these errors raise concerns under FCRA 611 ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should reasonably know to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the erroneous late payment notations on my accounts are in breach of 15 USC 1666. My payment history has consistently been timely, and any conflicting entries are not only incorrect but also unlawful.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Sir or Madam, I am the lawful owner of multiple Wells Fargo accounts, including two business accounts under XXXX XXXX XXXX XXXX and a joint personal account under XXXX XXXX and XXXX XXXX. My son XXXX XXXX also maintains a Wells Fargo account that is entirely separate from mine and has no connection to the transaction that was flagged, yet his account has also been wrongfully frozen. 

On the morning of XX/XX/2025, these accounts were suddenly frozen and access to all funds was denied without any written notice, legal order, or valid cause. When I visited the XXXX XXXX branch, both the banker and branch manager contacted the fraud department multiple timesspeaking with at least four different representatives. Each provided conflicting information, and one stated the funds could be released with the branch managers approval before the call was abruptly disconnected. 
I was verbally told that the issue stemmed from a suspicious wire to my husbands account because the sender allegedly entered an incorrect name. That transaction is completely unrelated to any of the accounts listed above, yet Wells Fargo has frozen all funds belonging to my business and family without lawful justification. 

This freeze has caused immediate and severe hardship to XXXX XXXX XXXX XXXX, a licensed medical practice that depends on these accounts for patient care, payroll, and procurement of medical supplies. It has also caused financial distress to my household and my son, preventing access to essential living expenses such as food, rent, and utilities. 

I am demanding the immediate release of all non-implicated funds. There is no lawful or regulatory basis for the continued withholding, and no written explanation or order has been provided as required under federal banking standards. 
Regulatory complaints are now filed with the Office of the Comptroller of the Currency ( OCC ), Federal Deposit Insurance Corporation ( FDIC ), Consumer Financial Protection Bureau ( CFPB ), and Texas Department of Banking.

Intentional obstruction and legal action are now being taken to compel Wells Fargos compliance, recover damages caused by this unlawful freeze, and protect the rights of all affected account holders.

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 2025-10-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check in the amount of {$75000.00} on XX/XX/year> at J.P. Morgan Chase Bank. On XX/XX/year> my account was restricted due to my deposit that I made. They claimed they restricted my account until they can verify the funds. I provided the information of the payee and chase bank told me that the number I processed was different than the number in the system. I offered to come into branch to verify and they said the only way to verify was by calling the old number of the payee which he no longer has access to. Leaving Stuck with my account restricted and not able to access my original funds. I called and did everything I could to unrestrict my account including walking into the branch to verify any needed information. I called on XX/XX/year> and got the word that my account was closed. Chase closed my account even though I tried to work and verify with them. I had asked the payee to do a stop payment but he was unable to to since the payment had already began processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I contacted XXXXells Fargos business banking customer service line to open a new business checking account. The representative informed me that my previous account could not be reopened, but that I could speak with a specialist to open a new one. I was told I would be transferred to that department to complete the process.

After waiting several minutes, I was instead connected to a Wells Fargo overdraft debt collection representative named XXXX. She immediately began discussing repayment options for the old, closed account. I was never told that I was being transferred to the collections department, I was explicitly told the transfer was to open a new account. 
The debt XXXX referenced was entirely composed of fees Wells Fargo charged after the account was already inactive and closed. There were no purchases, withdrawals, or new transactions involved only accumulated bank fees. 
This experience was misleading and deceptive. I acted in good faith to open a new business account, but was redirected under false pretenses to a department attempting to collect on a fee-generated balance. I believe this constitutes misrepresentation and an unfair or deceptive practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

I am requesting : A full review of the recorded call and actions taken by the representatives involved.

A written explanation of why I was misled and transferred without disclosure.

Assurance that Wells Fargo will take corrective measures to prevent deceptive redirection like this in the future.

I am willing to provide additional information or documentation if needed to assist in your investigation.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand that you conduct a reasonable reinvestigation of this disputed information as required by 15 U.S.C. \S 1681i ( FCRA \S 611 ).

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 2025-10-20 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-20 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-20 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me severe emotional discomfort and sleeplessness. Documentation is attached to support my urgent request for deletion.

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 2025-10-20 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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