vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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 disputing inaccurate credit reporting related to an auto loan that was repossessed and later paid by the dealer in 2022. 

The vehicle was repossessed on or about XX/XX/year>. After the vehicle was taken and resold by the dealer, the account was marked as paid by the dealer with a {$0.00} balance and subsequently closed on XX/XX/year>. After this point, I no longer had possession of the vehicle and no longer had the ability or obligation to make payments. 

Despite this, the lender continues to report late payments and derogatory payment history for periods after the repossession and after the account was closed and paid. This reporting is inaccurate because late payments can not occur when the consumer does not have possession of the collateral and the dealer has retaken ownership and responsibility. 

I filed a dispute raising these specific issues and requesting a reasonable investigation. In response, the lender did not address the disputed inaccuracies. Instead, they restated undisputed facts such as the loan opening date, original balance, and repossession date, and asserted that the reporting was accurate without explaining why late payments were reported after repossession and account closure. 

The lender also improperly instructed me to dispute the matter with the credit bureaus rather than conducting a reasonable reinvestigation as required after receiving a direct dispute. Additionally, they introduced identity theft requirements even though no identity theft claim was made. 

The lender has failed to provide any documentation establishing consumer liability after repossession or justifying the continued reporting of late payments and derogatory remarks. I am requesting a full investigation and correction or deletion of all inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a potential beneficiary of a trust for [ XXXX XXXX XXXX ] ( deceased 2013 ). Chase confirmed the custodial trust was converted into a family trust and XXXX people were added, but Chase refuses to provide any account or trust paperwork or the name/contact of the XXXX XXXX unless I produce a New Mexico certified death certificate. I have no death certificate and can not obtain XXXX because New Mexico requires proof of legal interest ; Chases demand for a death certificate creates a circular barrier that prevents me from proving my interest. I have contacted Chase by phone, in person, and by email and provided multiple forms of identification and supporting facts that match the decedents records except for the address on file, yet Chase continues to block access without explaining in writing what alternative proof it will accept. I request CFPB assistance to compel Chase to : ( XXXX ) provide the name and direct contact information for the XXXX XXXX handling this account ; ( XXXX ) provide a complete, itemized list of every document Chase requires to release funds or provide account administration information ; and ( XXXX ) confirm whether Chase will accept a court order, trustee affidavit, trustee certification, or certified copy of the trust agreement in lieu of a death certificate pending issuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/year>, I received a letter issued by XXXX XXXXXXXX XXXX on behalf of Ally Bank stating that my auto loan account had been charged off and referred to an XXXX XXXX XXXX The letter did not clearly identify the entity collecting the debt, did not explain whether XXXX XXXX XXXX was an internal unit or a third-party collector, and did not include any validation notice or disclosure of consumer rights. 

Following receipt of this letter, I requested written clarification identifying all entities involved in post-default servicing and collection of the account, including the authority and basis for any transfer or referral. Ally did not provide clear or complete information identifying the role or legal status of XXXX XXXX XXXX or XXXX XXXXXXXX XXXX. 

I subsequently filed complaints with the CFPB seeking clarification. In later correspondence, Ally acknowledged that placement with a servicing or recovery entity had not been properly disclosed. However, subsequent CFPB responses failed to clearly identify all entities involved in servicing, recovery, and credit reporting and continued to deny any issues while omitting the recovery entity entirely. 

Under the Fair Debt Collection Practices Act and Regulation F, disclosures must be clear and effective from the perspective of the least sophisticated consumer. The XX/XX/year> correspondence and subsequent responses failed this standard, as a consumer would not reasonably understand who was collecting the debt, what rights applied, or how to exercise those rights. Credit reporting continued despite these unresolved disclosure defects. 

Attached below are XXXX and XXXX XXXX referral letter XXXX Acknowledgment of nondisclosure Prior CFPB response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX XXXX XXXX ( {$1200.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  {$280.00} ) ( XX/XX/XXXX )XXXX XXXX XXXX XXXX ( {$370.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$1100.00} ) ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within four business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The XXXX in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). I request that the CFPB investigate these violations and require the companies involved to permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
XXXX XXXX is furnishing inaccurate and contradictory information to consumer reporting agencies in violation of the Fair Credit Reporting Act. 

The account is reported with inconsistent account types, an impossible installment structure, improper collection designation without identifying a collector, and invalid past-due reporting on a closed account. 

Despite disputes, the inaccurate data remains unchanged, indicating failure to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). 

I am requesting immediate deletion of this account and correction of all inaccurate reporting.

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 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-12-23 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:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), once a furnisher receives notice of a dispute from a credit reporting agency , the furnisher is required to : Conduct a reasonable investigation Review all relevant information provided Verify the accuracy of the information being reported Correct, delete, or modify any information that is inaccurate, incomplete, or unverifiable XXXX XXXX has continued reporting this account without providing validation, verification methodology, or evidence supporting its conclusion that the information is accurate.

Simply stating that the account was verified is not sufficient and does not demonstrate compliance with the FCRAs investigation requirements.

Additionally, continued reporting of disputed information without clarification or correction raises concerns under 15 U.S.C. 1681e ( b ) regarding the obligation to ensure maximum possible 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and unverifiable information being reported by Bank of America to ChexSystems in violation of the Fair Credit Reporting Act ( FCRA ). 

ChexSystems is currently reporting a Bank of America XXXX account as ACCOUNT ABUSE with a closure date of XX/XX/XXXX. The account was paid in full on XX/XX/XXXX, yet the derogatory classification remains. 

Despite disputing this information, XXXX states the account was verified as accurate, but neither XXXX nor Bank of America has provided any documentation, method of verification, or evidence supporting the continued reporting of this derogatory designation, as required under FCRA 611. 

Additionally, the account is being reported with an address ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) that does not match my verified personal information, raising concerns of inaccurate personal identifying data or mixed-file reporting, in violation of FCRA 607 ( b ). 

Bank of Americas continued furnishing of this information is misleading and materially incomplete under FCRA 623 ( a ) ( 1 ), as it creates a disproportionate negative impression despite the account being resolved and paid in full. 

I have submitted written disputes to both XXXX and Bank of America via XXXX mail requesting : Proper verification documentation Correction or deletion of inaccurate address data Removal of the misleading account abuse classification Compliance with FCRA reinvestigation requirements To date, neither party has provided sufficient verification or corrected the reporting. 

I am requesting that the CFPB require : XXXX. Full disclosure of the method of verification used XXXX. Correction or deletion of inaccurate personal information XXXX. Removal of misleading derogatory classifications XXXX. Compliance with FCRA 607, 611, and 623 I am seeking immediate correction or deletion of the inaccurate reporting and confirmation that my consumer reporting rights are being upheld. 

Thank you for your assistance.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution.

1. The inquiry was not authorized XXXX XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XX/XX/year> Please remove it from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
4. Identity Theft XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. Identity Theft XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Good day, I am requesting the removal of the subsequent late payment from my credit report. This constitutes a billing discrepancy. I have never been tardy on this payment. I consistently make timely payments since my account is set to auto-pay. Kindly ensure punctuality at all times. I am enclosing all requisite paperwork with this letter.

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 2025-12-23 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: GA

Complaint narrative:
I disputed multiple negative tradelines on my Experian credit report and specifically requested verification and supporting documentation for the information being reported. After my dispute, Experian responded that the information was verified as accurate, but did not provide any proof, documents, or explanation showing how the verification was performed. 

I requested evidence such as billing statements, account history, contracts, payment records, and confirmation of the Date of First Delinquency. Neither Experian nor the furnishers ( XXXXXXXX XXXXXXXX and XXXX  XXXX XXXX ) provided any of this documentation. I was not informed who verified the information, what records were reviewed, or how the investigation was conducted. 

Despite my request for proof, the disputed accounts continue to be reported with balances, past-due amounts, and charge-off statuses, and in some cases continue to update monthly. This indicates that the disputes were not reasonably investigated and that the information is being reported without proper verification. 

I believe Experian relied solely on automated electronic verification rather than reviewing actual account records, which does not meet the Fair Credit Reporting Act requirement for a reasonable reinvestigation. The furnishers also failed to properly validate the accuracy and completeness of the information they are reporting. 

I am requesting that the CFPB require a proper investigation, full disclosure of the method of verification, and correction or deletion of any information that can not be substantiated.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am filing this complaint to dispute inaccurate personal information and an improperly reported charge-off account appearing on my credit report. These errors are causing harm to my credit profile and violate the Fair Credit Reporting Act ( FCRA ). 

XXXX. Address XXXX XXXX Ct, XXXX, CA XXXX XXXX XXXX XXXX, La XXXX, CA XXXX These addresses do not belong to me, and I have no knowledge of them. Reporting inaccurate personal identifying information violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681a ( d ) concerning accurate consumer identification. 
I am requesting the immediate deletion of these addresses. 

XXXX. Account XXXX XXXX XXXX  CLUB Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Status : Charge-Off I dispute this account due to inaccurate and incomplete reporting. A charge-off being reported with a XXXX balance is misleading and requires proper verification. If this account can not be fully verified with complete and accurate documentation, it must be deleted in accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ).

These inaccuracies have negatively impacted my creditworthiness, caused unnecessary stress, and interfered with my ability to access fair financial opportunities. The continued reporting of incorrect personal information and unverifiable negative accounts demonstrates a failure to comply with federal law.

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I do not owe nothing to this company for years they have treated me to sue me since 2019 for a debt i do not owe them they just keep adding collection renewals to my credit report that are not a valid debt i owe nothing to this company and they are sending court paperwork that there trying to sue me for something i do not owe them nothing i never sign nothing with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
My Coinbase account was closed and I am unable to sign in to withdraw my remaining funds. 
Coinbases Help Center prevents me from submitting a support request without signing in, and direct emails receive auto-responses with no case number. 
I am requesting regulatory assistance to obtain withdrawal of my funds.

Company response to consumer: Closed with explanation