vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OR

Complaint narrative:
I tried to pay a friend back for helping me out with like XXXX dollars I believe at the beginning of XXXX and it didn't go through. They said it was a possible scam. The next thing I know is that they closed my account because of improper use and not going with accordance of the rules of having the account. I asked what did I do wrong because all I did was try and pay a friend back. I wasn't paying for anything illegal or for business or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00}

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 2025-08-01 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:
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 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  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up regarding a late payment incorrectly reported on my credit report. The account in question is my XXXX  XXXX XXXX credit card, and the late payment occurred due to an error that has already been resolved by the bank. 
I disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. I disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. 
I respectfully request that this negative mark be removed from my credit report, as it was not my fault and the issue has already been corrected.

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 2025-08-01 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:
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 2025-08-01 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:
There is a hard inquiry listed on my credit report that I did not initiate. I am concerned that my personal information may have been accessed without my consent.

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 2025-08-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 XXXX XXXX has reported inaccurate and inconsistent payment history on my auto loan across the XXXX major credit bureaus ( TransUnion, Equifax, and Experian ), violating several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of the information reported. 15 U.S.C. 1681i Duty to conduct a reasonable reinvestigation of disputed information within 30 days. 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnisher duties to provide accurate information and investigate disputes. 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance. I requested the complete payment history, original loan contract, and dispute verification ( XXXX and XXXX rights ). XXXX failed to provide these or correct the errors. The conflicting and unverifiable data causes ongoing damage to my creditworthiness. Relevant case law supports the obligation of furnishers and CRAs to maintain accurate and verifiable data. For example, XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) affirmed the duty to conduct reasonable investigations. Failure to do so may result in statutory damages and attorney fees. I request permanent deletion of this tradeline unless XXXX can verify and correct the account information 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 2025-08-01 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: CA

Complaint narrative:
XXXX XXXX XXXX has reported inaccurate and inconsistent payment history on my auto loan across the three major credit bureaus ( TransUnion, Equifax, and Experian ), violating several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Duty of credit reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of the information reported. 15 U.S.C. 1681i Duty to conduct a reasonable reinvestigation of disputed information within 30 days. 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnisher duties to provide accurate information and investigate disputes. 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance. I requested the complete payment history, original loan contract, and dispute verification ( XXXX and XXXX rights ). XXXX failed to provide these or correct the errors. The conflicting and unverifiable data causes ongoing damage to my creditworthiness. Relevant case law supports the obligation of furnishers and CRAs to maintain accurate and verifiable data. For example, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) affirmed the duty to conduct reasonable investigations. Failure to do so may result in statutory damages and attorney fees. I request permanent deletion of this tradeline unless XXXX can verify and correct the account information promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
b'THIS IS NOT A COMPLAINT \n\nSubject: Tender of Payment by Negotiable Instrument and Security Interest Declaration \n\nDear Bridgecrest, I am writing regarding my monthly auto loan payment for the account listed below. Due to technical difficulties with the Bridgecrest website, I was unable to submit payment online. To maintain good standing and meet my obligation, I have mailed a money order in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe money order number is XXXX, made payable to Bridgecrest. The back of the money order was endorsed as follows: "Pay to the order of XXXX XXXX XXXX XXXX XXXX XXXX  and address  \n\nThis endorsement constitutes a restrictive endorsement pursuant to XXXX XXXX XXXX XXXX XXXX XXXX and is intended solely to direct application of the instrument as credit to my account. The instrument is not a gift, donation, or blank endorsement, but a payment tender for setoff. Furthermore, I declare that the instrument is issued as a conditional payment and constitutes a security interest under XXXX XXXX XXXX XXXX XXXX XXXX to be held solely for credit toward monthly obligations on the contract dated XXXX XXXX XXXX, executed with XXXX XXXX \n\nThis declaration serves as an allonge and amendment by reference to the original agreement and shall be treated as part of the payment documentation and instrument history.\n\nNotice of Tender and Conditional Discharge: This instrument constitutes lawful tender under XXXX XXXX XXXX XXXX XXXX XXXX. If Bridgecrest or its agents refuse to accept or apply the endorsed instrument as instructed, such refusal shall be deemed a rejection of proper tender and shall discharge the corresponding obligation to the extent of the tendered value. Please confirm that the instrument has been properly applied and that no late fees or adverse reports will be applied to my credit. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXTracking Number for mailed payment: XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease see attachments to view agreement and image of money order'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
There are charges for a Jefferson capital on my credit report for XXXX and another for XXXX, XXXX. The thing is the company i applied for the loan was with XXXX  XXXX so they sold my information to another company and that is not legal to do. The Jefferson capital people also sued me in different state than my loan was issued in and issued a warrant for my arrests. I tried to use different apps to send letters to the credit bureau to try to get those marks removed but they still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to Chase Bank located at XXXX XXXX at XXXXXXXX XXXX. I proceeded to withdraw {$800.00} from my social security card but the machine shut down and didnt provide my anything, so I waited until the bank opened up and tried to ask them for a number I can call because I couldnt locate a number in the atm machine. The XXXX man XXXX was so rude to me he didnt want to help me at all even told his co-workers to not help me even after I started crying and informed him the money was got my rent plus its social security funds. Even the security guard a XXXX guy was so rude to me they told me to leave the property and if I came back they would get me for trespassing. Fast forward I received a letter in the mail showing they denied my claim to get my money back and now my account is overdrawn {$800.00} again. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-01 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: FL

Complaint narrative:
I am filing a complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form XXXX has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to both the consumer and the IRS. 
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 XXXXXX/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 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor repeated and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Over the past several months, I have made multiple documented attempts to correct inaccurate personal information and dispute unverifiable accounts listed on my credit reports. Despite providing valid government-issued identification, along with proof of my current address and phone number, all three bureaus have failed to remove outdated or incorrect addresses, phone numbers, and email addresses from my file. This is a clear violation of 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain accurate and complete information. 

Furthermore, these agencies have made it unnecessarily difficult for me to access and manage my credit reports by disabling or obstructing login accessa practice that restricts my rights to review and dispute information, as protected under 15 U.S.C. 1681g and 1681i.

In addition to the above, a collection account reported by a company called XXXX remains on my credit report. I have submitted multiple written requests to XXXX for debt validation, in accordance with 15 U.S.C. 1692g of the FDCPA. To date, they have failed to provide any proof that the debt is valid or that I am legally obligated to pay it. As such, under federal law, this item should have been removed from all credit reports. 

I then filed disputes with each credit bureau requesting removal of this account. However, the bureaus responded that the account was verified without providing any meaningful details on how the investigation was conducted. When I requested an explanation, the only information available was the name of the reporting entity and the amount owedno documentation or verification that proves the account is mine was presented. This violates the FCRAs reasonable reinvestigation requirement under 15 U.S.C. 1681i ( a ).

To summarize, the violations I have experienced include but are not limited to : Failure to maintain accurate personal and account information ( FCRA 1681e ( b ) ) Failure to respond appropriately to disputes with proper investigation ( FCRA 1681i ( a ) ) Failure to delete unverifiable debt after a lack of validation from the furnisher ( FCRA 1681i ( a ) ( 5 ) and FDCPA 1692g ) Impeding consumer access to credit reports ( FCRA 1681g ) Allowing unverified, inaccurate collection accounts to remain on file ( FCRA 1681c-2 and FDCPA 1692g ( b ) )

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