vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had to get a new account with Chase because the account that I had with them was compromised. I am the victim of a scammer. Now, I receive a text to contact Chase so I called the number on back of my card and they told me that my account was going to be closed in 10 days and my funds would be mailed. 

How unfair that I am being treated this way. I reported the fraud immediately and I am the victim and now being victimized again by Chase. That is disgraceful! I need this account to remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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

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 2025-11-20 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis is reporting an auto accident as an at fault loss on my XXXX report, for XXXX, XXXX, and but this information is incorrect and does not match the official records for the accident. I was not at fault. The police report shows the other driver was responsible, and I was not cited. My insurance company also has no record showing that I caused this accident. 

Despite this, LexisNexis is reporting the accident as at fault and is supplying this incorrect information to insurance companies. This creates an inaccurate loss history and affects my rates. 

I have requested that LexisNexis correct or remove the at fault status, but the information remains on my XXXX report. The data they are reporting does not match the police report or the claim records. There is no documentation that supports an at fault classification. 

This is inaccurate and can not be verified under the Fair Credit Reporting Act. I am requesting that the CFPB require LexisNexis to correct my XXXX report by removing the at fault status or deleting the entry entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NM

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
After disputing a claim for debt owed. 

XXXX XXXX XXXX XXXX XXXX sent over mailed copies of the dispute with information on the debt. 

The debt collections agency included highly sensitive information inside the envelope. 

They included my full social security number jeopardizing my security. Allowing for the potential of Identity Theft as also my full name, address, date of birth and phone number in full were listed on said documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am writing to formally dispute inaccurate information that appears on my Experian and TransUnion credit report regarding a collection account with XXXX account number XXXX, originally from XXXX XXXXXXXX XXXX with a reported balance of {$3100.00}. This account is being reported inaccurately and does not reflect the correct status, balance, or payment history. Despite my previous dispute, this account remains on my credit report without correction. 
According to my records, the reporting of this collection is inconsistent with information provided by the original creditor and does not accurately represent my financial history. The account details, including balance and payment activity, are incorrect, and there is no verifiable documentation provided to support this reporting. Reporting inaccurate collection information has a direct negative impact on my creditworthiness, and I am requesting that Experian conduct a thorough reinvestigation of this account. 
I am requesting that Experian verify this account directly with XXXX and XXXX XXXXXXXX XXXX  to confirm the accuracy of all reported details, including balance, payment history, and account status. Any information that can not be verified must be removed immediately from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA 605 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), 611 ( b ), 623 ( a ), and 623 ( a ) ( 5 ) ). Accurate reporting is essential to maintaining the integrity of my credit file and ensuring that my creditworthiness is properly represented.

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 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed that Capitall one is reporting 2 charge-offs on my credit report for the amount of {$0.00}. One is CAPITAL ONE - XXXXXXXX XXXX XXXX XXXX XXXX and another one CAPITAL ONE - XXXXXXXX XXXX XXXX XXXX XXXX This information is inaccurate and does not match my records. I contacted the company requesting verification and supporting documentation regarding this debt. I also requested that they correct or remove any inaccurate information they are reporting to the credit bureaus. The company has [ failed to respond/ responded but did not provide documentation/ continued reporting inaccurate information ] despite my request. To date, the company has not provided evidence that the reported charge-off is valid, accurate, or belongs to me. Because the information being reported is incorrect and is negatively affecting my credit, I am requesting that the company investigate this matter and remove the inaccurate charge-off from all credit bureaus. I am also requesting written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I was never notified by this company that there was a balance I had canceled with XXXXXX/XX/XXXX within the XX/XX/XXXX day timeline however this lender insisted I pay over {$500.00} still which will be applied to a later cruise. I had no idea it was an outstanding balance When they finally sent me an email. I paid the account off in full now I have a credit however they turned my information over to credit bureau saying I was late on my payments and it affected my score decreasing it by XXXX points. I asked this company to reverse that report they refuse The companies name isXX/XX/XXXX under upgrade formally upscale. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
In XX/XX/year>, I enrolled in XXXX hardship program on XX/XX/XXXX after being told during the call that my new minimum payment would be {$25.00} under the program. I was not told that I still needed to pay the previously issued minimum payment for the billing cycle that started on XX/XX/XXXX in order for the new {$25.00} minimum to apply for that period. Because of this lack of disclosure, I believed my payments under the hardship program were sufficient. 

Despite enrolling and paying the {$25.00} as instructed, XXXX reported 30-day late payments for XXXX, XXXX, and XXXX. When I contacted XXXX for clarification, I received conflicting explanations. One representative stated the lates were not negative, another told me they would automatically fall off, and another said my account would be current going forward, but no one could explain why these late payments were reported if the hardship program was active. 

I am requesting that XXXX review the accuracy of these late-payment notations. I am asking XXXX to provide : The hardship agreement and disclosures tied to my enrollment. 

Records of what was communicated to me during enrollment about minimum payment requirements. 

A clear explanation for the reporting of 30-day lates during a period that overlapped with hardship program activation. 

If the program terms were not clearly disclosed or the reporting contradicts the conditions of the hardship plan, I am requesting correction of the inaccurate late-payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
In XX/XX/year>, I enrolled in XXXX hardship program on XX/XX/XXXX after being told during the call that my new minimum payment would be {$25.00} under the program. I was not told that I still needed to pay the previously issued minimum payment for the billing cycle that started on XX/XX/XXXX in order for the new {$25.00} minimum to apply for that period. Because of this lack of disclosure, I believed my payments under the hardship program were sufficient. 

Despite enrolling and paying the {$25.00} as instructed, XXXX reported 30-day late payments for XXXX, XXXX, and XXXX. When I contacted XXXX for clarification, I received conflicting explanations. One representative stated the lates were not negative, another told me they would automatically fall off, and another said my account would be current going forward, but no one could explain why these late payments were reported if the hardship program was active. 

I am requesting that XXXX review the accuracy of these late-payment notations. I am asking XXXX to provide : The hardship agreement and disclosures tied to my enrollment. 

Records of what was communicated to me during enrollment about minimum payment requirements. 

A clear explanation for the reporting of 30-day lates during a period that overlapped with hardship program activation. 

If the program terms were not clearly disclosed or the reporting contradicts the conditions of the hardship plan, I am requesting correction of the inaccurate late-payment 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I enrolled in XXXX hardship program on XX/XX/XXXX after being told during the call that my new minimum payment would be {$25.00} under the program. I was not told that I still needed to pay the previously issued minimum payment for the billing cycle that started on XX/XX/XXXX in order for the new {$25.00} minimum to apply for that period. Because of this lack of disclosure, I believed my payments under the hardship program were sufficient. 

Despite enrolling and paying the {$25.00} as instructed, XXXX reported 30-day late payments for XXXX, XXXX, and XXXX. When I contacted XXXX for clarification, I received conflicting explanations. One representative stated the lates were not negative, another told me they would automatically fall off, and another said my account would be current going forward, but no one could explain why these late payments were reported if the hardship program was active. 

I am requesting that XXXX review the accuracy of these late-payment notations. I am asking XXXX to provide : The hardship agreement and disclosures tied to my enrollment. 

Records of what was communicated to me during enrollment about minimum payment requirements. 

A clear explanation for the reporting of 30-day lates during a period that overlapped with hardship program activation. 

If the program terms were not clearly disclosed or the reporting contradicts the conditions of the hardship plan, I am requesting correction of the inaccurate late-payment 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 non-monetary relief