vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

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

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of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

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

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

XXXX XXXX Account Number XXXX Balance : {$320.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Number XXXX Balance : {$6000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX ABSOLUTE RESOLUTIONS Account number XXXX Balance {$2800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  A Account number XXXX Balance {$1000.00} Date opened XX/XX/XXXX inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau XXXX XXXX XXXX or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
In compliance with 15 U.S. Code 1681g, disputed accounts must be removed promptly.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the loan contract I was informed I needed gap insurance in order to get the loan so in case of a accident are if vehicle was a total loss gap would pay off what my insurance does not pay well vehicle was a total loss and im trying to figure out why was i given false information in the original contract because this loan company is reporting negative on my credit report and I wish they would fix it i did everything they asked me to do

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 2025-10-10 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: NJ

Complaint narrative:
Good morning, This is my last attempt to dispute this account ; following this, I will go to civil court in my state XXXX XXXX to bring a lawsuit against your business. I'm requesting that this account be deleted and that an investigation be conducted. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX XXXX # XXXX * * * * * * - Date Opened XXXX Balance {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX * * * * * * - Date Opened XXXX Balance {$150.00} ACCOUNT NAME : XXXX # XXXX * * * * * * - Date Opened XX/XX/year> - Balance {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: UT

Complaint narrative:
I opened a new Netspend checking account in XX/XX/year> under a promotional offer for a {$200.00} new account bonus. The offer stated that if I received at least {$400.00} in direct deposits and met the activity requirements within a certain timeframe, I would receive the {$200.00} bonus. 

I met the requirements, including setting up and receiving qualifying direct deposits. However, the bonus was never credited to my account. 

When I contacted Netspend customer service through their online chat, the representative confirmed that I had met the eligibility criteria except for activating my permanent cardwhich I never received. They stated that my previous card order was not completed due to an address error ( which was not my fault ) and that they would send a new card free of charge. Despite this, I still havent received my permanent card or the promotional bonus that I earned under the offers terms. 

The companys instructions and requirements have since changed online, and the information about needing a QR code or invitation code was not part of the original offer I signed up for. Because of these inconsistencies, I believe Netspend failed to honor the promotional terms that were in effect when I opened my account. 

Im requesting that Netspend review my account and issue the {$200.00} new account bonus I qualified for, as originally advertised.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was charged almost {$300.00} for food that I did not receive due to me experiencing two horrible XXXX  workers that was taking orders but did not want to take my order because I told him the way he greeted me was so unprofessional. He immediately got rude telling me he will not take my order and for me to order online. Every time I tried to order online he continuously kept saying thats the wrong XXXX, continuously and purposely not telling me the location. Being very rude and disgusting. So after several tries and being disrespected, I chose to just leave the establishment. I never received ANYYY of this food being ordered. Why would I want to spend almost {$300.00} on XXXX  I have a kid I really have to feed. This isnt fair. The charge date was XX/XX/year>, The charges amount was {$65.00}, {$56.00}, {$46.00}, {$56.00}, and {$16.00}. 
identify you and your account. 
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Re : Repo company did not report to XXXX Police Department XXXX XXXX XXXX VIN XXXX I contacted XXXX because they are responsible for the repossession. The repo company violated the law by not reporting the repossession to local law enforcement. 

I called XXXX XX/XX/XXXX, and was told that they did not have my vehicle. I then called the police. XXXX XXXX. : XXXX confirms that a report was filed XX/XX/XXXX. Please see Exhibit 1. And I received a follow-up letter from XXXX Police Department dated XX/XX/XXXX asking if vehicle is still missing. Please see Exhibit 2. 

The video that was sent to XXXX Police Department shows a truck without license plates taking my vehicle. Please see Exhibit 3. The repo company XXXX sent out did not have tags on their truck ; therefore, they could not be traced. 

In Texas, repossession companies or private towing companies are legally mandated to report a repossession or tow to local law enforcement. A company that fails to do so violates the law. 

XXXX took my vehicle while I was moving into my new retirement community ; therefore, I had a car full of valuables including life-saving medical equipment. 

The law states that repossession agents must allow me to recover personal belongings from the vehicle. XXXX must provide me with a written inventory of my personal property and a reasonable time to retrieve it, which you did not. I had over {$5000.00} worth of items in my vehicle. Below is a summary of some of the items : Cash and coins = {$200.00} CPAP machine = {$790.00} Curtains, sheets, blenders and other items for my new apartment = {$500.00} ( receipts were in the bags with the items just purchased ) XXXX = {$740.00} Pick XXXX winning lottery tickets = {$1400.00} Portable oxygen tank = {$1300.00} XXXX XXXX = priceless ( I need this XXXX XXXX back asap ) My loan was in deferment and my vehicle should not have been taken. I must file this complaint regarding XXXX violating the repossession law. 

I know the repo company will lie and say the items above were not there. But if they were honest, they would have had tags on their tow truck and reported the repo to XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I am so sick of everyone lying always and its literally everyone! 
A Home loan is not a HELOC I tried applying for a HELOC and they keep diverting my to a home loan. A sales representative once told me on the phone that I won't find and HELOCs these days and they are all home loans. This is so deceptive!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I should have XXXX name XXXX address if charge off how can I miss payments never get 1099c i want to see how experian XXXX XXXX XXXX verified the info when I repeiditly requested i want XXXX k from each

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

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

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

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

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Balance : {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX Account Number XXXX Balance : {$9200.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$9200.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a private client account with JP Morgan Chase Bank for many years, and XXXX of the " perks '' of that account is the claim by the bank that there will be no fees for making wire transfers. On top of that, the website itself says that there will be no fees. If the wire transfer is over {$5000.00} us. I asked for a wire to be sent for wedding fees, as well as the purchase of a house in XXXX, and the bank 's Web page lists a quote for the XXXX dollar, to the XXXX XXXX. Without any indication that they are charging any fee for the XXXX of currencies, they just '' a price for the day of the XXXX. The website does not state that there is any excess fee that they are charging to make this exchange, and the only way you might be aware that this is happening is if you click the little information " I '' tab in the upper right corner of the screen. The difference in the exchange rate is roughly about XXXX cents, which would not affect a small transactions greatly, for an expense of the purchase of a house, it amounts to roughly a XXXX  % fee that Chase is charging. Charging. I brought the complaint up to my personal banking client in XXXX of XXXX, got no responses back from Senior management for many months, until finally my personal banker gave me the executive office lying to contact, saying he could not help me. Thank you. The executive office basically told me I should have known that the exchange rate was different, and that they had emailed me disclosures sometime in the past. That also should have. Let me know. I've never received any disclosures to my email, and to state that you should have known there was a fee is definitely pour from a customer service standpoint. Indeed, the executive team member, pepper, who I spoke to, wouldn't even admit it was a fee, until I asked her who wound up getting my {$6000.00}. At that point she had to say it went to Chase. As a former employee of Chase for 8 years, and as a customer for over XXXX decades, I expected better from my bank. I asked XXXX if there was any type of arbitration that could help me handle this " in House '' and I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

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

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

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

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$170.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX  Account Number XXXX Balance : {$9200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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

Complaint narrative:
Good morning, This is my last attempt to dispute this account ; following this, I will go to civil court in my state XXXX XXXX to bring a lawsuit against your business. I'm requesting that this account be deleted and that an investigation be conducted. 

Thank you for your prompt attention to this 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