vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX THIS IS MY SECOND NOTICE Re : Complaint Against XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ( GM Financial ) concerning my auto finance account. 

After a {$3000.00} down payment at XXXX of XXXX, XXXX demanded an additional {$500.00}. This constitutes a billing error under 15 U.S.C. 1666 ( Fair Credit Billing Act ), and I placed the account into billing error status.

However, this error highlights broader issues with the entire contract. I have requested AmeriCredit to validate this alleged debt and they have failed to produce the original wet-ink Retail Installment Sales Contract, the chain of title or assignments, and a complete life-of-loan accounting ledger consistent with XXXX  In addition, they have not disclosed whether the receivable was sold or securitized, as required under 15 U.S.C. 1641 ( f ) and 12 CFR 1026.39.

Without these, the accuracy, ownership, and enforceability of the obligation are in question. Yet AmeriCredit continues to attempt collection and may report to consumer reporting agencies.

I request CFPB investigation and enforcement to : Compel AmeriCredit to correct the billing error ; Require production of the original contract, assignments, and XXXX accounting records ; Ensure compliance with TILA, RESPA, and federal accounting standards ; and Halt all collection and reporting activity until validation is complete. 

Respectfully, XXXX XXXX Without Recourse

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: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Complaint ID : XXXX I reject the companys response because it is inaccurate and misleading. JPMorgan Chase Bank , N.A . claimed it provided a response to my attorney, XXXX XXXX XXXX. However, I directly confirmed with XXXX XXXX XXXX that they never received any such response from the company. This misrepresentation deprived me of a fair chance to address and resolve the underlying credit reporting dispute. 

This conduct continues a pattern of gaslighting and evasiveness, where Chase and its counsel repeatedly state one thing but fail to provide actual documentation or proof of delivery. Their failure to properly communicate with my legal representative not only misled me but also obstructed my ability to respond within the timeframe. 

I request that the CFPB note this inconsistency in the record and hold JPMorgan Chase accountable for failing to provide a legitimate, verifiable response to both myself and my legal counsel. I also request further supervisory review, as this is not an isolated error but part of repeated misconduct surrounding my credit reporting.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the credit reporting agencies and certain furnishers have engaged in systemic, unlawful conduct concerning my credit file. Specifically, the bureaus have reinserted previously deleted items without providing the statutorily required notices and certifications under 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) ( iii ), and have failed to conduct proper reinvestigations under 1681i ( a ).

The reinserted and currently reported items are materially inaccurate, improperly validated, or unverified. Reinsertion occurred without the required written notice to me within five business days and without certification from the furnisher that the information is complete and accurate. This is a direct statutory violation and is causing immediate and ongoing harm to my creditworthiness and financial opportunities. 

all were deleted previously and were later reinserted without complying with 1681i ( 5 ) ( B ) requirements : XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Charged off ; inaccurate balance reporting and lack of full validation. 
XXXX XXXX XXXX ( XXXX XXXX ) Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Closed and charged off ; dispute the accuracy of balance and charge-off status. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Account closed and charged off following inactivity ; request reinvestigation. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Charged off ; debt reported as transferred without clear documentation. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Possible duplicate account with conflicting charge-off details ; verify and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX Issue : Collection account not properly validated under FDCPA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX  Issue : Duplicate or unverified collection entry ; request removal based on lack of documentation. 
XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged-off original account appearing duplicated in collection reports ; verify accuracy. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged off with unresolved dispute ; full validation requested. 
XXXX ( XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Closed by creditor with derogatory status ; reporting may be incomplete or outdated.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the credit reporting agencies and certain furnishers have engaged in systemic, unlawful conduct concerning my credit file. Specifically, the bureaus have reinserted previously deleted items without providing the statutorily required notices and certifications under 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) ( iii ), and have failed to conduct proper reinvestigations under 1681i ( a ).

The reinserted and currently reported items are materially inaccurate, improperly validated, or unverified. Reinsertion occurred without the required written notice to me within five business days and without certification from the furnisher that the information is complete and accurate. This is a direct statutory violation and is causing immediate and ongoing harm to my creditworthiness and financial opportunities. 

all were deleted previously and were later reinserted without complying with 1681i ( 5 ) ( B ) requirements : XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Charged off ; inaccurate balance reporting and lack of full validation. 
XXXX XXXX XXXX ( XXXX XXXX ) Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Closed and charged off ; dispute the accuracy of balance and charge-off status. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Account closed and charged off following inactivity ; request reinvestigation. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Issue : Charged off ; debt reported as transferred without clear documentation. 
XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Issue : Possible duplicate account with conflicting charge-off details ; verify and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX Issue : Collection account not properly validated under FDCPA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX  Issue : Duplicate or unverified collection entry ; request removal based on lack of documentation. 
XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged-off original account appearing duplicated in collection reports ; verify accuracy. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charged off with unresolved dispute ; full validation requested. 
XXXX ( XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Closed by creditor with derogatory status ; reporting may be incomplete or outdated.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly delete the disputed accounts within the period mandated by 15 U.S. Code 1681g.

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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved.

These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal dispute of inaccurate, incomplete, and unverifiable information in my TransUnion credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Regulation V. 
Accounts in Dispute XXXX. XXXXXXXX XXXX  Acct # XXXX Quote : Balance : {$1000.00} | Past Due : {$1000.00} | Status : Collection Account ; Account information disputed by consumer. 
Defects : Mis-coded status ( XXXX ), balance duplicated as both open and collection. Dispute remark does not cure inaccurate reporting.

Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ) ; Metro 2 field Account Status, Payment Rating. 
XXXX. XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) Quote : Balance : {$1100.00} | Status : Account info disputed by consumer. 
Defects : Duplicate dispute remark, inconsistent coding versus XXXX.

Law : FCRA 607 ( b ) ; 623 ( a ) ( 2 ) ; Metro 2 field Compliance Condition Code. 
XXXX. XXXX ( Authorized User Revolving ) Acct # XXXX Quote : Balance : {$49.00} | Limit : {$30000.00} | High Credit : {$5300.00}. 
Defects : Duplicate XXXX accounts reported with different balances/high credits ; AU accounts should not inflate utilization. 
Law : FCRA 607 ( b ) ; Metro 2 Account Type, High Credit. 
XXXX. XXXX  XXXX  Acct # XXXX Quote : Balance : {$70.00} | High Credit : {$120.00} | Limit : {$0.00} | Status : Open. 
Defects : Reported as installment on TU, but XXXX shows as Revolving. Mis-coded XXXX XXXX. 
Law : FCRA 607 ( b ) ; Metro 2 Portfolio Type, Account Type.

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 2025-09-30 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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 " US BKPT CT XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  Bankruptcy Court 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 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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: KS

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 " US BKPT CT XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX  Bankruptcy Court 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I was offered a job online. They sent me a check for deposit {$3800.00} and then requested that I wire transfer {$3700.00} to the company that would send out equipment. ( XXXX XXXX XXXX ) The wire transfer was to XXXX XXXX XXXX. I deposited the check and then did a wire transfer. I then found out that the check was invalid, so no deposit was made. I contacted Wells Fargo and they closed my original checking account and opened a new one. They said that the investigation could take up to 10 days. Today i received a letter stating " As the money will not be returned from the receiving bank, we are not able to reimburse you. At this time, we consider your inquiry closed. "

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-30 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: IA

Complaint narrative:
Multiple fraudulent accounts that aren't mine is reporting to my credit file

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: IA

Complaint narrative:
Multiple fraudulent accounts that aren't mine is reporting to my credit file

Company response to consumer: Closed with non-monetary relief