vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has reinserted two XXXX XXXX XXXXXXXX accounts with a charge-off status ( ending in XXXX and XXXX ) that were previously deleted from my credit report. 
Neither XXXX nor XXXX are currently reporting these accounts, which confirms that Experian is acting inconsistently and violating the law. 
This is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires the credit reporting agency to provide written notice and a certification of accuracy from the data furnisher before any deleted item can be reinserted. I never received any such notice or certification.

Furthermore, the information Experian is reporting is unverifiable, which violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ).

Experian can not simply verify with the furnisher when these accounts had already been deemed inaccurate and removed. 
Courts have repeatedly ruled on this issue, including XXXX vXXXX XXXX and XXXX vXXXX XXXX, confirming that a CRA can not blindly accept data without a meaningful reinvestigation.

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 2025-09-25 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: WV

Complaint narrative:
I have unauthorized hard inquiries that are violating FCRA 604 ( a ) ( no permissible purpose ).

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, JPMorgan Chase approved my new Chase XXXX XXXX Savings account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was issued account ending in XXXX with routing number XXXX, and Chase stated my debit/ATM card would arrive in 57 business days. I was told the account would only close if it remained unfunded after 60 days. 

Shortly afterward, Chase sent me a notice stating both my accounts ( ending in XXXX and XXXX ) were restricted due to recent activity and may be closed soon. I was blocked from online access, deposits, and withdrawals, and warned that payments and deposits may be rejected. I called the provided number ( XXXX ) and escalated to Case Number XXXX with XXXX, account supervisor, Fraud Check Team, but no written explanation has been given. 

The restrictions have disrupted my business operations, delayed vendor payments, and harmed my reputation. I believe Chases actions were discriminatory, as I am a XXXX XXXX XXXX, and I feel my accounts were closed because of my race rather than any legitimate compliance concern. Chase also provided only a XXXX XXXX address, not a physical service address, which I believe is misleading and violates consumer disclosure standards. 

I believe Chases actions conflict with the Virginia Consumer Protection Act ( Va. Code 59.1-200 ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), Title VI of the Civil Rights Act of 1964, 42 U.S.C. 1981, and CFPB regulations prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I have the reason to believe your company is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Social XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I have the reason to believe your company is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Social XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I submitted factual disputes to Experian and TransUnion regarding a bankruptcy that is being reported on my credit file. This bankruptcy is not mine, and there are inaccuracies in the information being reported. As required by the FCRA, if the item can not be verified, it must be deleted from my report. Despite my disputes, the bankruptcy remains on my credit file without proper verification or correction.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
What Has Happened : Regulatory Actions Against Wells Fargo Wells Fargo has not escaped regulatory sanctions. In fact, it has faced some of the largest penalties in U.S. banking history : XXXX CFPB Enforcement : The Consumer Financial Protection Bureau ( CFPB ) ordered Wells Fargo to pay {$3.00} XXXX {$2.00} XXXX in consumer redress and {$1.00} XXXX in civil penalties. This was for widespread mismanagement of auto loans, mortgages, and deposit accounts affecting over XXXX XXXX consumer accounts. 


Violations Included : Wrongful foreclosures and repossessions. 
Misapplied loan payments. 
Surprise overdraft fees.

Improper denial of mortgage modifications. 
Freezing of accounts due to faulty fraud detection systems. 

Previous Sanctions : XXXX : {$180.00} XXXX fine for creating fake accounts without customer consent. 
XXXX : {$1.00} XXXX fine for improper auto and mortgage lending practices. 
XXXX : {$3.00} XXXX settlement with federal prosecutors and the SEC. 
Ongoing : The Federal Reserve imposed an asset cap on Wells Fargo, limiting its growth until it fixes its compliance issues. 

Why It Still Feels Like Justice Is Missing Despite these penalties, many consumers feel justice has not been fully served. 

Lack of Individual Accountability : Few executives faced criminal charges. 
Scale vs. Impact : Wells Fargo earned {$5.00} XXXX in profits the same year it paid the {$3.00} XXXX fine, raising questions about whether the penalties are truly deterrents. 
Limited Consumer Relief Visibility : Many affected customers report not receiving compensation or not knowing how to claim it. AND THIS IS THE TRUTH FOR ME LOSING MY ENTIRE TRUST FUND. 

Repeat Offenses : The CFPB labeled Wells Fargo a corporate recidivist, meaning it repeatedly violates laws despite prior enforcement. ( Which I also saw in XXXX ) What You Can Do If you'd like to submit a formal complaint or letter to the CFPB

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 2025-09-25 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inquiries that were unauthorized. These remarks have been detrimental on my life and credit health.

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 2025-09-25 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-25 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:
Notice of Intent to Sue False XXXX XXXX XXXXXXXX  Reporting Reference Number : XXXX and XXXX To Whom It May Concern, This letter serves as my formal notice of intent to sue TransUnion LLC for willful and repeated negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., stemming from your continued reporting of a false XXXX XXXX XXXX under Reference Number XXXX and XXXX. 

Despite my multiple disputes regarding inaccurate and unverified information appearing on my TransUnion LLC credit report, you have : 1.Failed to conduct a reasonable reinvestigation into my disputes, as required under 15 U.S.C. 1681i ( a ).

2.Continued to report inaccurate and unverified information, in violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in consumer reports.

3. Provided insufficient and vague responses to my disputes, failing to properly address or consider the supporting documentation I submitted.

These violations have caused me substantial harm, including but not limited to : Denial of credit, employment, housing loans, and financial opportunities.

Increased costs of credit due to inaccurate reporting.

Emotional distress, humiliation, and reputational damage.

Unwarranted financial hardship directly tied to XXXX inaccurate reporting.

I demand that TransUnion LLC : 1. Immediately delete the inaccurate and unverified account ( s ) XXXX XXXX XXXX from my credit file. 
2. Provide written confirmation of deletion within 15 calendar days of receiving this letter.

3. Provide copies of all documentation relied upon in your reinvestigation, including communications with data furnishers.

If TransUnion LLC fails to comply within 15 calendar days, I will file a lawsuit in federal court seeking all available remedies under the FCRA, including but not limited to : * Actual damages for the harm caused.

* Statutory damages of up to {$1000.00} per violation.

* Punitive damages for willful noncompliance.

* Attorneys fees and costs.

You are hereby instructed to preserve all records, communications, and documents related to this matter, including but not limited to communications with third-party furnishers, court records, and internal investigation notes. These will be requested during discovery. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXXXXXX XXXX Account Dear Experian, I am writing to formally dispute the accuracy of the information being reported on my credit file concerning the following account : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Upon reviewing my credit report, I have identified several serious inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) : Improper reporting of charge-off status The account is being reported as Charge-Off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a one-time event, not a recurring monthly status. Reporting it as if it occurred repeatedly is misleading, materially inaccurate, and violates FCRA 623 ( a ) ( 1 ) ( A ). Incorrect account status The account is marked as Open, despite being charged off. Once charged off, the account must be reported as Closed. Contradictory balance reporting The report reflects that the entire balance ( {$500.00} ) was written off, yet it simultaneously continues to list the balance as past due. This is conflicting and inaccurate. Payment history inaccuracies The timeline of payments shows contradictory entries This does not accurately reflect the true payment history. IRS compliance inconsistency The account is reported as having the entire balance written off. However, I have not received a 1099-C form, which is normally required when a creditor cancels or writes off debt. This inconsistency further demonstrates inaccurate reporting. Requested Action : Under my rights provided by the Fair Credit Reporting Act, I request that Experian conduct a reasonable investigation of this account. If the furnisher of this information can not provide verifiable documentation that supports the accuracy of the reporting, including a correct payment history and proper account status, then the account must be immediately corrected or deleted from my credit file. Please provide me with written confirmation of the results of your investigation within the 30-day timeframe required by law. Thank you for your prompt attention to this matter. Sincerely, 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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: CA

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 MERCEDES BENZ FINANCIALs 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 XXXX XXXX XXXX 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. MERCEDES BENZ FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

MERCEDES BENZ FINANCIAL XXXX, MERCEDES BENZ FINANCIAL XXXX, MERCEDES BENZ FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Ive been XXXX since XXXX and the financial institution has been informed of this, my orders have been sent multiple times and they have failed to update my account according to the SSCRA. They have refused to accept my orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally request assistance regarding a serious issue with my Citi account. Between XX/XX/XXXX and XX/XX/XXXX, my account was blocked XXXX times. Despite visiting XXXX different Citi branches a total of XXXX times over those XXXX days, the problem remains unresolved. Each time my account was unblocked, it was immediately restricted again without explanation. 

When I contacted the fraud department, I was informed that my phone number and email address do not match Citis records. However, I have never changed this information since opening my account. Furthermore, branch managers at multiple locations confirmed that my contact information in their system is correct and consistent. 

At this point, my account remains fully blocked, and I have been told I must wait for a supervisors review. Unfortunately, no one at the branch level has been able to assist me further. This situation has caused me significant inconvenience, and I am unable to access my account or use my funds. 

I respectfully request that this matter be escalated immediately for resolution. Please confirm the steps I need to take to verify my information and restore full access to my account without further delays. 

Thank you for your prompt attention to this urgent matter.

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
Introduction I am filing this complaint because Stellantis Financial has falsely reported my auto loan account to the credit bureaus, which has severely damaged my credit and directly caused me to be denied for a mortgage. Their reporting is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ).

Timeline of Events I purchased a vehicle through Stellantis that was overpriced by over {$20000.00} compared to its actual value.

Despite this, I never missed a single payment from the beginning of the loan until the day the vehicle was picked up.

When I realized I was grossly overcharged and was facing financial hardship, I contacted Stellantis multiple times to request a payment reduction or adjustment.

Stellantis refused to make any changes to the loan or help in any way. 
Because of the financial strain and overpricing, I requested a voluntary surrender of the vehicle and asked them to come pick it up.

They accepted the surrender and took possession of the vehicle.

False Reporting After Surrender After the voluntary surrender, Stellantis falsely reported : 1. That I had a past due balance of {$1300.00}, as if I had missed payments before surrender which never happened.

2. A deficiency balance of {$21000.00} after the vehicle was sold, without providing a clear accounting or explanation of how this amount was calculated.

This is completely inaccurate. My payments were current and up to date at the time of surrender, and there was never a past-due balance before the vehicle was picked up. By reporting it this way, Stellantis made it look like a forced repossession for delinquency, which is false and misleading.

Impact on Me Because of this false reporting, my credit score dropped drastically.

I was recently denied a mortgage for a multi-family home because of this inaccurate information.

This has caused financial harm, emotional stress, and lost opportunities for me and my family.

Requested Action I am requesting that Stellantis and the CFPB : Provide a full, documented payment history showing every payment I made.

Remove all false late payment reporting and past-due balances.

Correct the account to accurately reflect a voluntary surrender with no missed payments.

Provide a detailed accounting of the {$21000.00} deficiency balance, or remove it entirely if they can not verify it.

If Stellantis can not verify their reporting with complete, accurate documentation, I request that this entire tradeline be deleted from my credit report immediately.

This false reporting has caused major harm to my financial stability and creditworthiness. I am seeking immediate action to correct these inaccuracies so I can move forward with buying a home and restoring my credit.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

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