vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMCB Card Services ( Chase Bank USA, N.A. ) for their ongoing violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and failure to conduct a lawful reinvestigation of disputed information. Despite multiple written disputes and validation requests regarding several accounts reported as charge-offs and collections, the creditor continues to report inaccurate and unverifiable information to the credit bureaus.

JPMCB Card Services has failed to provide any competent documentation verifying the accuracy, ownership, or balance of the alleged debts. The accounts contain inconsistent last payment dates, duplicated charge-off entries, and incomplete payment histories that do not match my clients records. This demonstrates a pattern of negligent and reckless furnishing of information in violation of the FCRAs accuracy and verification requirements. 

Additionally, the creditor has continued to report these disputed accounts to Experian, Equifax, and TransUnion even after being notified in writing that the information is being contested a direct violation of 1681s-2 ( a ) ( 3 ). Such conduct has caused significant financial and reputational damage to the consumer, including denials of credit, lowered credit scores, and emotional distress. 

This creditors refusal to comply with federal consumer protection laws and failure to maintain proper procedures for accuracy show deliberate disregard for the consumers rights under the FCRA. 
JPMCB CARD XXXX...., JPMCB CARD XXXX.... & JPMCB CARD XXXX....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Summary of Issue On XX/XX/XXXX, I signed a retail installment contract with XXXX XXXX for vehicle financing through Santander Consumer USA. I took possession of the vehicle, completed the welcome call with Santander confirming the loan, and received documentation verifying my approval. 
On XX/XX/XXXX, after the deal was finalized and past the point of rescission, the dealership informed me that the transaction was being reversed. The finance manager stated, Either we get the SS card or the email, or we dont have a deal. Period. 
This was despite my providing multiple valid and verifiable identification documents showing my Social Security number, including : * An IRS tax audit letter ( with my full name and SSN ) * IRS Form XXXX ( Power of Attorney ) * My XXXX federal income tax return Despite this, the dealer refused to accept those lawful alternatives and claimed federal law required either a physical Social Security card or a direct SSA emailneither of which is true under federal lending or identification verification standards. 
Since that date, my credit reports show multiple hard inquiries from various banks daily, even though I already had a completed and funded agreement with Santander. The dealerships actions appear intended to rescind the valid contract and re-shop my credit without authorization. 

Violations Suspected 1. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
* Dealer failed to honor a binding retail installment contract and misrepresented lawful requirements to obtain credit, constituting deceptive practices under Regulation Z. 
2. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. ( Regulation B ) * Dealer imposed arbitrary documentation barriers and failed to provide a written adverse action notice, constituting discrimination in credit evaluation. 
3. Unfair and Deceptive Acts or Practices ( UDAP ) 15 U.S.C. 45 and O.C.G.A. 10-1-393 * Misrepresentation of federal identification laws and wrongful rescission of a valid loan amount to deceptive business practices. 
4. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) * Dealer obtained multiple unauthorized credit inquiries ( hard pulls ) after a contract was finalized, without permissible purpose. 
5. Potential Bank Secrecy Act / PATRIOT Act noncompliance * Dealer selectively refused valid SSN verification documents inconsistent with standard Customer Identification Program ( CIP ) procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am really concerned because some inaccurate accounts are still showing on my credit report, and they were not taken out even after everything I submitted. Im begging that you carefully look through the documents Ive attached so I can finally stop feeling this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: LEXISNEXIS
State: NV

Complaint narrative:
Lexis XXXX  has a code system that they work by. They will not send me a new code or lift the freeze. I have never requested this freeze it must have something to do with my identity theft that happened if i do not have the code i can not unlock it. I feel this company uses my credit to harass me. I have had numerous employees laugh when I'm angry over this. They just keep asking for information and documents but never lift anything or send the codes.. i should not be made to give documents to a company that i have never done business with or know nothing about. the only credit company that should hold a credit file our company 's you regularly associate with. If I was to do personally what these company 's do I would be put in jail holding info of people i don't know. Something needs to give here. All I should have to do is give my verbal info. I trusted XXXX  and got caught in the information breach and my credit was destroyed. Now this company pops up and I know nothing about them. I do not wish to deal with any credit company 's after XXXX  XXXX  and XXXX. They have done nothing but harass using my credit excepting money frpm large company 's while the XXXX over the citizens in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Dear Ally Executive Care Team, I hope youre doing well. Im writing regarding my former Ally auto loan which I successfully paid in full. I maintained this account for several years with consistent on-time payments, aside from a brief hardship period where I missed one or two payments due to circumstances beyond my control.

I take full responsibility for that lapse and have worked hard to rebuild ever since. The late payments are now the only negatives on my credit, and theyre preventing me from qualifying for a home loan for my family. As a long-time, loyal Ally customer, Im respectfully asking if you would consider a one-time goodwill adjustment to remove the late payment entries as a courtesy. 
I truly appreciate your time, understanding, and the excellent service Ally has always provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: AR

Complaint narrative:
I am officially filing my last written correspondence here before take legal action against Clark County Collecrion Agency and XXXX XXXXXXXX. I have alerted them and the credit bureaus that these accounts they have on my report is NOT MINE. I never authorized any service with XXXX XXXXXXXX nor XXXX XXXXXXXX companies. 

I am XXXX XXXXXXXX XXXX military member and have spoken with my legal rep about this matter as I XXXX XXXX XXXX XXXXXXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my credit report that is affecting my creditworthiness and does not reflect the true state of my credit history. 
While reviewing my credit report, I was alarmed to discover two instances that I believe must be corrected for an accurate reflection of my credit history. These errors are concerning not only because of the incorrect reporting, but also because they contradict the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
First, I would like to address the XXXX XXXXXXXX XXXX account with the number XXXX. This account, opened on XX/XX/XXXX, shows a balance owed of {$480.00} and a history of late payments. The report reflects 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is inaccurate. I assert that these late payments are reported incorrectly, and I request that you investigate and correct the reporting of this account. 
As per FCRA Section 609 ( a ) ( 1 ), I am entitled to request full documentation supporting this reported late payment history. The absence of such documentation would suggest that this entry is unverifiable and should be removed from my credit report. Further, I am requesting that the account be investigated to verify its authenticity and that the information is corrected if it can not be verified within the 30-day period required by FCRA Section 611. 
Second, there is an account reported from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although this account shows a {$0.00} balance, it reflects 30 days late from XXXX to XX/XX/XXXX, marked as regular late. However, I have noticed that this account is still being reported as closed on some credit bureaus, which contradicts the closed status reported on others. This discrepancy violates the guidelines of the FCRA Section 607, which mandates that all information reported to the credit bureaus must be accurate and consistent across all reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am Refinancing my loan with them. I already have them as a lender and Im Refinancing to a Lower rate. 
The company is not processing documents as they should ( they had a transferred appraisal for over a month and did nothing with it ), they are delaying by continually asking for more documents. And often times frivolous ones. And every time they ask for something new its 48 hours before I get an update. Then Im told everything is great and theyll be another follow up in 48 hours. They ask for things they already have and I submitted within minutes of it being requested. Im continually told nothing else is needed but then they come up with something else. There have been excessive delays between document reviews and they are misleading in communication with wrong information being shared about what they want. It seems they are trying to delay the refinance or get me to walk away from it. This has been going on for eight weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I formally dispute the accuracy and ownership of the XXXX XXXX XXXX Charge Off account ( Date opened : XX/XX/year>, Balance : {$1600.00} ). I assert this is an inaccurate entry that does not belong to me. 

I have attempted to dispute this entry twice ( around [ Insert Date of First Attempt ] and [ Insert Date of Second Attempt ] ) via Experians online platform. Despite my requests, Experian has failed to process the dispute and launch the mandatory investigation required by FCRA Section 611, effectively blocking my right to challenge unverified information. The system continually rejected my dispute or kept the status as 'Potentially negative '. 

I request the CFPB to intervene and compel Experian to immediately initiate a complete reinvestigation. If the creditor fails to verify the accuracy and ownership of this item within the statutory 30-day period, Experian must delete this negative entry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: DC

Complaint narrative:
I settled a payday loan with OppLoans in XX/XX/year>. Despite providing evidence of settlement and multiple formal requests for deletion, the account continues to be reported inaccurately and inconsistently across XXXX, XXXX, and XXXX. I have reached out to OppLoans directly via written letters requesting correction or deletion, but the company has not responded or resolved the issue. This inaccurate reporting is negatively impacting my credit report and violates FCRA requirements for accurate and complete reporting. I am seeking complete deletion of this account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement regarding Ally Financials continued reporting of inaccurate and unverifiable information related to Account XXXX. XXXX, which reflects a false late payment dated XX/XX/XXXX. Despite my previous dispute letter dated XX/XX/XXXX, Ally Financial has failed to provide any supporting documentation, account records, or verification details to substantiate the accuracy of this reported delinquency. Their inaction and lack of transparency demonstrate a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), which requires furnishers of credit information to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. 

XXXX  XXXX failure to produce evidentiary proof of the alleged late payment, while continuing to report this information to XXXX  and XXXX, constitutes willful and negligent noncompliance with federal reporting obligations. This has caused ongoing harm to my credit profile, creditworthiness, and financial opportunities, and it represents a failure of the furnisher to uphold fair and accurate reporting practices as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CITICARDS CBNA s 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 Experian and Transunion 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. CITICARDS CBNA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

CITICARDS CBNA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts are being fraudulently reported under my name without my explicit authorization or knowledge, and I have never authorized, managed, or consented to them in any way. This is utterly intolerable and a blatant violation of my rights, as it injects false and damaging information into my financial history. I regard my credit profile with the utmost seriousness, and the presence of these unauthorized accounts has caused me profound distress and potential long-term harm. I require instant, transparent clarification on how these accounts appeared and who is responsible for reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief