vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I also FORMALLY REQUEST A DETAILED DESCRIPTION of the METHOD of VERIFICATION used during your investigation, including : The name, address, and contact information of the furnisher of the information ; The method used to verify the accuracy of the data ; A description of any documents or communication reviewed during the investigation. 

I respectfully request that you : Conduct a full reinvestigation of this item ; Delete or correct the inaccurate information if it can not be verified ; Provide written confirmation of the outcome, including the updated report ; Explain how the data was verified and from whom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
they were given ample evidence to win all disputes and claimed they never got it when i have videos, pics, recorded calls, fax recepts, email confirmations and mail proof. they purposesly did nothing with disputes, violating the contract and terms and being in lack of fidicary duty. also when i told them on recored ways, many times, i cant type, use fon, etc because XXXX XXXX and XXXX, they, in recoreded words from them said '' we cant help you then if you are XXXX. '' violating XXXX. they ruined my credit for years with trying to clooect on the amount in disupte and they made me lose over XXXX a year in bonuses for not being able to open accounts, which ihve written proof from. they must go back and fix all bad credit reporting, repair score, reimubsue me for lost interst and all the moeny they took from my account when i had other credits come in for so called fruadulent " XXXX  '' for a balance which should never have been there, reuimubruse me for my time and the fact i cant type or see at all and had to hire help. they also still keep hassling me for this amount violating many collection laws, they are also in criminal area for saying that i won disputes and that the amount was being sent to account and then either never doing it or making ups some huge fee to absorb it wich is all on msgs and my account history. there is much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been seriously damaging my credit score and preventing me from achieving financial freedom and stability.

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 2025-08-04 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: FL

Complaint narrative:
I have previously submitted formal requests for the removal of multiple unauthorized or outdated hard inquiries from my credit reports across all three major credit bureaus ( TransUnion, Equifax, and Experian ). Despite these written requests, the inquiries still remainespecially on my TransUnion report. 

These inquiries were not initiated or authorized by me, and some date back several years without any valid underlying transaction. Their continued presence is harming my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ), which prohibits reporting outdated or unverifiable information. 

I have taken every necessary step to request their removal, including direct communication with the credit bureaus, formal dispute letters, and freezing of secondary reporting agencies to avoid re-insertion. The bureaus have failed to act 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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-08-04 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:
This is my third and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, XXXX XXXX XXXX, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate and inconsistent reporting of the XXXX XXXX  account ending in XXXX on my Experian and Equifax credit reports. The discrepancies between the two bureaus records are materially different and harmful to my credit standing.

Specifically : Experian reports : 30 days late XXXX 2022 30 days late XXXX 2022  60 days late XX/XX/year>2022 Equifax reports : 60 days late XXXX  XXXX  60 days late XXXX  2022  90 days late XX/XX/year>2022 These payment histories are inconsistent and violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Additionally, XXXX XXXX compliance standards require consistent and uniform reporting across all bureaus, including for payment history, delinquency aging, and account status. 

Evidence Submitted : I will be submitting the corresponding credit report entries from both Experian and Equifax showing the mismatched payment history for this account. This will clearly demonstrate the conflicting data being reported by both CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Account was hacked and I notified Cash App when it was in pending status, asked them to put a hold on my account and they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-04 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: VA

Complaint narrative:
Since XX/XX/year>, I have attempted to get XXXX accounts, which are closed, removed from my report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer information may only be furnished with a permissible purpose, typically requiring consumer authorization or an ongoing business relationship. I never provided written consent for the above-listed accounts to be furnished to any credit bureau . Their inclusion in my credit file is therefore unauthorized under federal law. I am requesting that the accounts be immediately removed per the law. This has caused me and my family great deal of turmoil and stress. Below are the referenced account ( s ) Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed / Charged-Off Balance : {$26000.00} ( Written Off ) Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Closed / Charged-Off Balance : {$1500.00} ( Written Off )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
Since XX/XX/year>, I have attempted to get XXXX accounts, which are closed, removed from my report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, consumer information may only be furnished with a permissible purpose, typically requiring consumer authorization or an ongoing business relationship. I never provided written consent for the above-listed accounts to be furnished to any credit bureau . Their inclusion in my credit file is therefore unauthorized under federal law. I am requesting that the accounts be immediately removed per the law. This has caused me and my family great deal of turmoil and stress. Below are the referenced account ( s ) Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed / Charged-Off Balance : {$26000.00} ( Written Off ) Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Closed / Charged-Off Balance : {$1500.00} ( Written Off )

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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Driveway Finance Corporation
State: AZ

Complaint narrative:
Between XX/XX/XXXX until XX/XX/XXXX I received approx XXXX calls. On the calls I answered, never once was I offered any help or care in regards to the situation. I had a health issue and was out of work for XXXX XXXX. The final problem was they told me they were going to repossess my car. And they had given out my information to a recovery team. I never signed any contract that allows them to call me XXXX times in XXXX XXXX. Nor did I allow them to give some random company my information. In the state of Arizona in which I resiide, the calls themselves add to stalking. And not once did they offer any help. All they would have to do is put it on the back end of the loan and start fresh for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your 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
Consumer complaint received 2025-08-04 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: FL

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 2025-08-04 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: LA

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an alert indicating an unauthorized attempt to obtain a credit card through XXXX. I have promptly contacted both XXXX and Transunion to report the incident. However, I have not yet received assistance from either company. To mitigate the potential for further unauthorized activity, I have placed a freeze on my account and have made multiple calls to both companies.

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 2025-08-04 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: GA

Complaint narrative:
There are alot of negative accounts that are inaccurate please investigate

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 2025-08-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Loop XXXX # XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Subject : Identity Theft Affidavit, Notice of Dispute & Opt-Out Request - URGENT Dear Experian, I, XXXX XXXX, am submitting this formal affidavit and legal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and Uniform Commercial Code UCC XXXX. I am a victim of identity theft and did not authorize the following fraudulent accounts. 
FRAUDULENT ACCOUNTS TO REMOVE : XXXX. XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX * Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance Account # : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX FEDERAL VIOLATIONS INVOLVED : 15 U.S.C. 1681 ( 602A ) : Right to privacy 15 U.S.C. 1681c ( a ) ( 5 ) : Reporting of outdated adverse items prohibited 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits knowingly furnishing false data 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : No account may be reported without written authorization 15 U.S.C. 6802 ( GLBA ) : Prohibits unauthorized disclosure of nonpublic personal info UCC 1-308 : Reservation of all rights and protections under contract law DEMANDS : XXXX. XXXX. Remove both XXXX XXXX XXXX accounts immediately XXXX. Confirm deletion in writing Disclose how these accounts were verified XXXX. Cease al sharing of my personal data with third parties under XXXX XXXX LEGAL NOTICE : If these accounts are not deleted within 10 days of receipt, I will pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and a small claims suit for willful noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief