vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, Driveway Finance Corporation received my settlement package for Account # XXXX ( XXXX XXXX # XXXX ). 

The package included : A settlement letter offering final resolution under accord and satisfaction. 
A check conspicuously marked Final Payment in Full Satisfaction of Account # XXXX, with Assignment of All Remaining Notes to XXXX XXXX XXXX. 
Driveway Finance received and deposited the check. Proof of deposit has been documented. 
Under UCC 3-311 ( Accord and Satisfaction by Use of Instrument ), a claim is discharged when a creditor accepts and negotiates a check that is tendered in full satisfaction.

Despite this, Driveway Finance has : Acknowledged receipt and deposit of the payment, but Stated that they do not accept the settlement, while retaining the funds, Failed to issue written confirmation of account closure, Failed to execute the requested Assignment of Notes, and Continued to treat the account as if a balance remains.

This behavior is misleading, potentially unlawful, and inconsistent with federal and state consumer protection laws. Supporting Evidence Attached Copy of settlement l
etter sent to Driveway Finance. 
XXXX delivery confirmation ( XX/XX/XXXX, Tracking # XXXX ). 
Copy of the settlement check with restrictive endorsement. 
Proof of deposit/clearing of the check. 
Correspondence with Driveway Finance confirming deposit but refusing settlement.

Formal rebuttal letter sent to Driveway Finance ( with UCC 3-311 reference ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  Account Details Account Number XXXXXXXX XXXX XXXX I am writing to dispute XXXX XXXX XXXX  which was opened fraudulently in my name without my authorization. I am a victim of identity theft and did not open or authorize this account. I am not responsible for any charges or debts associated with it.\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that you close this account and absolve me of all charges. Please also cease all collection activities and stop reporting this fraudulent account to any credit reporting agencies.\n\nAs a victim of identity theft, I also request copies of all documents related to this account, including the application and transaction records.\nEnclosed are copies of the following documents to support my claim:\nA copy of my Identity Theft Report (consisting of my FTC Identity Theft Affidavit'

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 2025-10-16 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: TX

Complaint narrative:
XXXX XXXX  Account Details Account Number XXXXXXXX XXXX XXXX I am writing to dispute XXXX XXXX XXXX  which was opened fraudulently in my name without my authorization. I am a victim of identity theft and did not open or authorize this account. I am not responsible for any charges or debts associated with it.\nUnder the Fair Credit Reporting Act (FCRA), I am requesting that you close this account and absolve me of all charges. Please also cease all collection activities and stop reporting this fraudulent account to any credit reporting agencies.\n\nAs a victim of identity theft, I also request copies of all documents related to this account, including the application and transaction records.\nEnclosed are copies of the following documents to support my claim:\nA copy of my Identity Theft Report (consisting of my FTC Identity Theft Affidavit'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Nelnet regarding my federal student loans. There are several major errors and discrepancies being reported across all three credit bureaus. Multiple accounts show that I was 90 days late, even though my loans were in deferment at that time. You can not be both current/deferred and 90 days late at the same time this is a direct Metro-2 compliance violation for inaccurate status coding.

In addition, I was never notified 30 or 60 days prior to any delinquency being reported. The first time I was made aware was after the 90-day late mark appeared on my credit report. Under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ), furnishers must ensure the accuracy of the information they report and investigate factual disputes. Nelnet failed to provide any documentation, payment history, or written notification showing that these delinquencies were valid.

I am disputing this as a Metro-2 factual inaccuracy and a failure to properly notify and validate before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I tried to send money on XXXX of {$160.00} on XX/XX/year> which failed on XXXX app but the funds were taken out of my bank account and I have proof. I have contacted XXXX and was told at first that the funds were going to be reversed in 2 days which it still hasn't gotten into my account. I have contacted them today again and now they are saying they can't see any money taken out of my account which I have provided them two different detailed bank statements that the money was posted on my account and still have yet been reversed. They are no help at all and haven't kept the promise of my funds getting back to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARS Acquisition, LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX vehicle stalled out and has not ran since. Dealership sold vehicle to a bank XXXX XXXX XXXX I wasnt aware of until recently. I been calling and messaging about getting the vehicle fixed. They keep stating they are sending a tow truck to pickup the vehicle but want me to continue making payment on the non running vehicle. Which is Not fair to me. Ive been having to find rides and rent vehicles to get from place to place. All I want is the vehicle fixed or my funds back to get another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this report regarding unauthorized transactions that occurred on my Chase account. My account was compromised, and several fraudulent transactions were processed without my knowledge or consent. The unauthorized charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX I promptly filed a fraud claim with Chase under Claim ID : XXXX. However, the claim was denied on the basis that I had prior business with these merchants. This determination is incorrect. I have never conducted any transactions or business with XXXX or XXXX. These are XXXX-related platforms, and I do not use them. 

The only prior interaction Ive ever had was an email from XXXX of these companies years ago stating that an account was closed due to a stolen identity, which further supports my position that I was a victim of identity theft. 

Additionally, I also discovered that an unknown device had connected to my Plaid/Chase account, which I have since removed. 

I am requesting that this matter be properly reviewed, as the transactions were clearly unauthorized and my initial claim was improperly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX there was an unauthorized transaction made on my bank account ( Chase Bank ). They took XXXX dollars from my savings and transferred it into my checking, they then sent that XXXX dollars to themselves through XXXX. Not only this, they tried to draw another XXXX and send it to themselves but they needed my code that was sent to my phone number so that transaction did not go through. I was only notified about the XXXX although I have all notifications on when a transaction goes through my account. I then called the bank telling them that there was an unauthorized transaction made through my account and I wanted a claim to be opened because I want my money back. Within days the denied my claim. The bank claims that the transaction was made through my device using the app and face authorization. I know this is not true because I had my device on me when this transaction occurred at XXXX pm on XX/XX/XXXX. I then got the bank to open my claim up XXXX more times and the kept denying it within days. The bank keeps closing my claim for the same reason even though I ask for more information it is not given to me. At the beginning I requested the XXXX users information such as their phone number and name. The bank provided the information for me and when I went to call them it was a spam phone number. Not only this but the email linked to their XXXX was fake like someone is hiding behind that account I found out by searching their information through a website. The bank claims that their information is legit and real but clearly it is not. I am not sure how someone who has a fake email and phone number can create an account anyway. After continuing to fight this claim they told me to reach out to XXXX which I did, and turns out XXXX told me to contact my bank. It seems like my bank is not doing enough due to them giving me the same reason each time they close my claim which happened XXXX times now and they are denying it within days. Chase advised me to have my phone as well as my home wifi and both were done and everything was clear. I have done my part but it seems like they are not investigating as hard as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-16 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. 

This lack of action is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has resulted in ongoing emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I wanted to inform you that I was unable to manage my accounts due to being detained, and I was unaware of the status of my files during that period. Unfortunately, my personal information was misused to create fraudulent accounts. It is crucial to ensure that these accounts do not appear on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-16 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: CA

Complaint narrative:
XXXX writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even XXXX day longer than necessary.

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