vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Failure to Provide Method of Verification XXXX XXXX  / Credit Reporting Agencies To Whom It May Concern, I am filing this complaint because Ally Financial and the credit reporting agencies ( Experian, XXXX XXXX XXXX  ) are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes and direct requests under 15 U.S.C. 1681i ( a ) ( 7 ), the bureaus have failed to provide the legally required Method of Verification ( MOV ) and XXXX XXXX has not produced original documentation to substantiate the alleged account. 

Instead of complying with the FCRA, the credit bureaus continue to update the tradeline with remark codes such as Consumer disputes after resolution Charged off account. This tactic does not resolve the dispute, nor does it satisfy their statutory obligation to provide actual verification. It is nothing more than a stalling tactic that allows the inaccurate and derogatory tradeline to remain on my credit report. 

Specific Failures : XXXX. Failure to Provide MOV The bureaus have not disclosed who they contacted at XXXX XXXX, what documents were reviewed, or how the verification was conducted. 
XXXX. Failure to Substantiate the Account Ally Financial has not provided : The original signed retail installment contract, Proof of lawful repossession ( license, date, and time ), Auction paperwork showing vehicle disposition, Deficiency balance calculation, IRS Form 1099-C ( if the debt was canceled/charged off ). 
XXXX. Continued Reporting of Inaccurate Information By continuing to report this account as a charged-off debt without validation, the bureaus are engaging in willful and negligent noncompliance with FCRA 616 and 617. 

Requested Action : Immediate deletion of the XXXX XXXX tradeline from all three credit reports due to failure to verify. 
Investigation into XXXX XXXX and the credit bureaus for systemic violations of FCRA. 
Consideration of legal remedies, as I am prepared to pursue relief in federal court for ongoing damages caused by this unlawful reporting. 

The CFPB has already acknowledged in prior communications that XXXX XXXX was unable to respond to my complaint. Since the furnisher and the bureaus can not or will not provide the required proof, the only lawful resolution is removal of this tradeline. 

Thank you for your attention to this matter. I request immediate enforcement of my rights under the FCRA.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I started getting kind of from my employer, due to a car loan 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 2025-09-24 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Halliday, Watkins & Mann, P.C.
State: SD

Complaint narrative:
They participated in assisting citizens bank in a civil XXXX to make me believe my home was in foreclosure when it wasn't. They also charged me thousands over {$6000.00} in attorney fees and charges and threatened me that if he losing my home if I didn't come up with {$11000.00}, approximately, in XX/XX/year> which scared me enough into thinking I needed to meet with a bankruptcy attorney who in turn tricked me into filing for bankruptcy, causing me to lose literally everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting to formally dispute inaccurate information currently being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i, I am exercising my right to request an investigation into the following accounts, which are being incorrectly reported and are negatively affecting my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} As required under FCRA 1681i ( a ) ( 1 ), the 3 Credit Bureaus must conduct a timely and complete investigation of these accounts. If the data furnishers are unable to verify the accuracy of the information, these negative marks must be promptly corrected from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: UT

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint on behalf of myself. There is no other company disputing on my behalf. Please do not send me an automated response. All documents will be included for this dispute. 

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance.

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 2025-09-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting inaccurate, misleading, and illegally re-aged information on my credit file. 
They are reporting the account as opened on XX/XX/XXXX, even though the original creditor ( XXXX XXXX ) account dates back to XXXX. This is illegal re-aging under FCRA 605 ( c ). 
They are reporting the account as a collection but show no delinquency history ( no XX/XX/XXXX lates ). This is incomplete and inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX is reporting the entire balance as past due ( {$1300.00} ). Collection accounts do not have past due amounts, which is misleading. 
They are reporting Terms : 1 Month, which misrepresents the account type, as collections do not have repayment terms. 
XXXX shows Status Updated : XX/XX/XXXX but Balance Updated : XX/XX/XXXX with no consumer payments. This makes it appear as though there is recent activity, which is deceptive and violates both FCRA and FDCPA 807 ( 8 ).

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting inaccurate, misleading, and illegally re-aged information on my credit file. 
They are reporting the account as opened on XX/XX/XXXX, even though the original creditor ( XXXX XXXX ) account dates back to XXXX. This is illegal re-aging under FCRA 605 ( c ). 
They are reporting the account as a collection but show no delinquency history ( no XX/XX/XXXX lates ). This is incomplete and inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX is reporting the entire balance as past due ( {$1300.00} ). Collection accounts do not have past due amounts, which is misleading. 
They are reporting Terms : 1 Month, which misrepresents the account type, as collections do not have repayment terms. 
XXXX shows Status Updated : XX/XX/XXXX but Balance Updated : XX/XX/XXXX with no consumer payments. This makes it appear as though there is recent activity, which is deceptive and violates both FCRA and FDCPA 807 ( 8 ).

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not agree with the results of the formal investigation. A charge-off is a one time event and repeated charge off reporting on my credit report can falsely inflate the severity of the damage on my credit report. Please delete/remove this account due to the inaccuracy being furnished on my credit report and failure of the bureaus to conduct a proper investigation. Please provide me with transcripts of the call and methods used to conduct the investigation if you choose. Thank you

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Good morning my name is XXXX XXXX, Im filing for Identity theft for these fraudulent accounts that are reporting on my credit report. I need these accounts blocked and removed in 4 days in pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) my identity theft report number is 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and consumer Law. 

I have repeatedly requested proper verification of the account listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under sections 609 and 611, you must either verify there accounts with documented evidence or remove them. Failure to comply will result in further legal actions to complain to the cfpb. 
Recent findings by the Consumer Financial Protection Bureau have brought to light significant concerns regarding Experian failure to conduct proper investigations. Specially, I lawsuit against filled against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by filling to meet its obligation under the FCRA. 
As per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a through reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverified must be prompt deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 


I hereby request that Experian : XXXX conduct a through reinvestigation of the following adisputed ccounts or items. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} Original Creditor : XXXX XXXX XXXX XXXX. Year opened originally with creditor : XXXX Year opened by gency ( incorrect ) on XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3.Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given recent CFPB findings, I expected Experian to handle this dispute with the utmost seriousness and compliance with legar standards. Acopy of my identification and any relevant supporting documents are enclosed to your investigations. 

Thank You.

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 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding WFHMs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with, Equifax yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. WFHM has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

WFHM 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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This Company Professional Debt Mediation did not provide an account number. I'm unaware of this debt and did not have the opportunity to dispute this account or debt. If you believe you sent proper notification, please provide PROOF or CERTIFIED MAIL with receipt displaying my signature. If not, please delete account Professional Debt Meditation from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> my name was legally changed via court order. 

On XX/XX/year> my drivers license was updated to reflect my legal name. 

On XX/XX/year> the social security administration began processing my name change. 

On XX/XX/year> my hard copy of my updated drivers license arrived by mail. 

On XX/XX/year> my updated social security card arrived by mail. I was able to connect with ( different credit card company ) via their website and process the name change simply by uploading the documents through their secure server. I was able to schedule an appointment with a local branch of my banking institution for tomorrow to bring my documents in and update my name. I was able to submit the documents via scanned email to my HR department to process the name change. 

On this same day, I was unable to locate any useful contact information for capital one on their website. I tried to chat through the online account " XXXX XXXX XXXX to locate the correct contact information -this was unsuccessful. A XXXX search provided the customer service phone number. I called Capital one and the automated answering system directed me to a call center. I waited on hold for XXXX minutes. The associate who answered the call verified my account and then asked how they could help today. I explained that the name they were calling me is no longer my name, and that I was calling to update my account to my accurate legal name. The associate continued to call me XXXX ( not my name ) throughout the call and speak over me. They said they would give me the email address or fax number to submit my documents. I requested the information be sent to my email or to the capital one secure message system on their app. The associate refused to provide the information. They proceeded to call me again by the wrong name. I requested to escalate to a supervisor because they were unable and/or unwilling to help me. They proceeded to argue that they were not able to provide the information. I then requested to close my account ( I don't carry a credit balance, but I've had this account for 18 years, so I don't really want to take the credit hit but I also don't want to do business with a company who actively works to make doing business unnecessarily difficult and disrespectful ). They asked why I wanted to close the account and I stated because they would not help me, I would like them to escalate my call to someone who can assist, or to begin closing my account. I was then placed on another XXXX minute hold. When the associate returned to the line with their " supervisor '' the new employee was also unable to unwilling to help me. The new employee stated that they were sorry but they would begin closing my accounts. They then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX of XXXX me and my ex spouse purchased a XXXX XXXX XXXX XXXX which in XXXX of XXXX we separted he kept vehicle, in XXXX of XXXX vehicle was stolen, XXXX of XXXX vehicle was charged of with over XXXX in debt, there are court documents stating that i will not be liable for any debts at all. Bank is jpmorgan chase bank they will not release me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX resurgence is saying the debt was charged off and they bought it was asked to send me proof of ownership and chain of tittle said they dont have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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