vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: OR

Complaint narrative:
I am formally disputing the inaccurate and unlawful repossession remark on my XXXX  account ( XXXX ), which appears on my Experian credit report as of XX/XX/XXXX, stating that the account was repossessed in XX/XX/XXXX. However, my XXXX and XXXX credit reports do not reflect this repossession, highlighting a clear inaccuracy in Experians reporting. 

Furthermore, this reporting is a direct violation of the CARES Act and the Fair Credit Reporting Act ( FCRA ) because : I became XXXX and was unable to work XX/XX/XXXX. 
I notified XXXX at that time regarding my hardship and requested pandemic-related hardship accommodations. 
Under the CARES Act, XXXX was required to continue reporting my account as current because pandemic-related hardship accommodations were granted. 

By reporting this account as repossessed instead of current, XXXX and Experian violated XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), which mandates accurate credit reporting for consumers who received pandemic-related accommodations.

Violations of the FCRA ( 15 U.S.C. 1681 ) & CARES Act : Unlawful Furnishing and Use of My Credit Information ( 15 U.S.C. 1681b ) I never provided written consent for Experian to furnish or obtain my credit information related to this account. Under 15 U.S.C. 1681b, a consumer reporting agency must have a legally permissible purpose, and Experian must remove this item unless it can provide documented proof of my explicit authorization.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The discrepancy between Experian, XXXX, and XXXX regarding this account is evidence that Experian failed to verify its accuracy, violating its legal obligation to ensure maximum possible accuracy under the FCRA.

Clear Violation of the CARES Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ) Since I notified XXXX of my XXXX-related financial hardship in XXXX, this repossession remark is unlawful. The CARES Act required my account to remain in a current status if I was granted an accommodation due to the pandemic, which I was. XX/XX/XXXX in my Experian credit report still shows 60 days late remark which also needs removal. 

I have attached appropriate proof of my identity, appropriate proof of the discrepancy with my other credit reports reporting on the same account differently and more positively, and a copy of the letter that I am also mailing to experian. I tried to dispute this with them already on. XX/XX/XXXX and they inappropriately responded, not changing any information on my account 's reporting on my credit report.

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 2025-02-18 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of a hard inquiry from my credit report made by Ally Financial on XX/XX/2024. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), a company is required to have my explicit permission before accessing my credit report. If you can not provide documented proof of my consent for this inquiry, it must be removed immediately. 

This is a serious matter, and I expect prompt action. If this unauthorized inquiry is not removed within 30 days, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus. Furthermore, I will consider legal action for damages caused by this violation. 

To resolve this matter quickly, I expect written confirmation that the hard inquiry has been deleted from all credit bureaus. Failure to comply will leave me no choice but to pursue all available legal remedies. 

I demand a written response within 15 days confirming the removal of this inquiry. If you have any questions, you may contact me at the information provided above. However, I will not tolerate any delays or dismissals regarding this matter. 

This letter serves as official notice. Take immediate action. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX is inaccurately reporting a student loan account with a balance that was closed by the XXXX XXXX XXXX XXXX last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I monitored my credit report for more than 4 years and have worked hard to repair my credit. On XX/XX/year> I got an alert that I have a collection on my report. I contacted the number on there and they keep sending me to the collection agency. I tried to ask for information and why havent I received anything about this debt and they keep sending me to the collection agency. I have paid and settled all my debts years ago and managed to maintain it for home purchase. All of the sudden I have a collection and it dropped my credit score down drastically. The collection company is Jefferson Capital for {$2400.00} and it was sold or reported to them XX/XX/year> and thats all I got from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing a formal complaint against JPMCB Card Services ( hereinafter referred to as " the creditor '' ) for violations of the Fair Credit Reporting Act ( FCRA ) and improper credit reporting practices. 

Upon reviewing my credit report, I have identified multiple instances of inaccurate and potentially unlawful reporting by this creditor regarding a charged-off account ( Account Number : XXXX ). The details of the violations are as follows : 1. Repeated Charge-Off Reporting ( FCRA Violation 1681s-2 ( a ) ( 1 ) ( A ) ) The creditor has been reporting a new charge-off every single month, as evidenced in my XXXX payment history on my credit report. 
A charge-off is a single event, not a recurring one. Repeatedly reporting it re-ages the debt, misleading lenders and unfairly lowering my credit score.

This practice falsely extends the delinquency period and violates the accuracy and fairness provisions under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

2. Inaccurate Balance & Past Due Reporting ( FCRA Violation 1681s-2 ( a ) ( 1 ) ( B ) ) The creditor reported a charge-off amount of {$1100.00} while simultaneously reporting a past due amount of {$1000.00}.

A charged-off account should not continue to accrue past-due balances unless it is actively being billed, which is not the case here. 
This reporting contradicts itself and misleads credit reporting agencies, violating the FCRAs requirement for accurate reporting. 
3. Failure to Properly Update Account Status ( FCRA Violation 1681s-2 ( a ) ( 2 ) ) If an account is charged-off, the balance should be " XXXX past due '' unless the creditor is still billing me, which they are not. 
The status update in XX/XX/XXXX should have reflected the charge-off as a one-time event, yet it continues to be reported monthly in XXXX and now into XXXX. 
4. Possible Re-Aging of the Debt ( FCRA Violation 1681c ( a ) ( 4 ) ) The original delinquency date appears to have been altered or not clearly stated. Under 15 U.S.C. 1681c ( a ) ( 4 ), a negative item should only remain on a credit report for XXXX years from the original delinquency date. 
By repeatedly reporting charge-offs, it appears that the creditor is re-aging the account, which is illegal under the FCRA. 

I respectfully request that the CFPB investigate this matter and ensure that JPMCB Card Services corrects these violations. Specifically, I request : Immediate removal of this account from my credit reports from all 3 bureaus due to repeated and inaccurate reporting.

Assurance that JPMCB will comply with FCRA regulations in future reporting practices. 
If this matter is not resolved promptly, I will be left with no choice but to escalate this complaint by filing a formal dispute with my states Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Line 5, LLC
State: NY

Complaint narrative:
I took a car coverage policy out with XXXX. Then I've seen a charge on my account for accompanied by the name of line did not know who line 5 I was doing business with XXXX I called XXXX and cancel the policy. But line 5, keep saying.I owe them money as far as I know.The policy is canceled and the two payments that were collected were paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: SC

Complaint narrative:
I had a secured credit card with XXXX XXXX, and I paid the balance off, it was paid off in 2021. It keeps reporting as if I am 90 days past due on my transunion credit reporting. Its not been removed from my credit as of yet.

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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
L J Ross Associates put a collection on my credit. I advised them that I am already working with the creditor to clear the balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2025-02-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX Wells Fargo Debit Card Dispute $ XXXX I have had a horrible experience with XXXX 3rd Party sellers as I have never received items from XXXX XXXX were sent to me as the packages were empty upon arrival, which I filed a police report and other 3rd Party XXXX orders were totally incorrect and when I mailed them back to the sellers they never issued my refund ; which I have all of the shipping labels sent that XXXX approved the returns. XXXX claims they can't help me because they are 3rd Party items and it is at the seller 's discretion which is not responding to myself or XXXX, I have disputed the charges with Wells Fargo bank and they are denying my claim despite all of my hard-core evidence including police emails, police voicemails and proof of shipping labels. I need legal help in terms of consumer protection from WellsFargo for the $ XXXX. I am aware that this is a consumer and rights issue in terms of law, so I would like to hire you if you can assist me because if a merchant like XXXX never sends you items you purchased with your debit card, your primary protection is the ability to file a " chargeback '' with your bank. Please let me know if you can assist me because Wells Fargo has failed to do their due diligence and is simply being lazy and denying my claim. There is no way this claim can be denied with all of the evidence I have submitted, I also can not see the previous attachment before the claim was closed.

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 2025-02-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THIS CFPB COMPLAINT IS AGAINST TRANSUNION FOR THEIR REFUSAL TO RE-INVESTIGATE ERRORS ON MY CONSUMER CREDIT REPORT. TRANSUNION RECEIVED A VALID DISPUTE LETTER DATED XX/XX/XXXX2025 VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNIN SIGNED FOR THIS DISPUTE LETTER ON XXXX, XXXX, 2025. AFTER RECEIVING THIS LETTER, TRANUNION IMMEDIATELY ON THE XXXX OF XXXX SENT ME A LETTER SAYING THEY WERE NOT GOING TO PROCESS MY DISPUTE REQUEST. THE REASON GIVEN IS NOT A VALID FCRA REASON TO REFUSE A VALID WRITTEN DISPUTE REINVESTIGATION REQUEST FOR THE INACCURATE, AND INCOMPLETE INFORMATION CLEARLY IDENTIFIED IN THE INITIAL DISPUTE. 

TRANSUNION FAILED TO DO THEIR FEDERALLY REGULATED LAWFUL RESPONSIBILITY AS OUTLINED IN THE FAIR CREDIT REPORTING ACT TO CONDUCT AND CONCLUDE A RE-INVESTIGATION WITHIN OR BY THE END OF 30 DAY TIME PERIOD. 

I WILL RE-SUBMIT THE INITIAL DISPUTE THROUGH MY PERSONAL CFPB COMPLAINT PORTAL SO THERE WILL BE NO FURTHER SPECULATION OF ITS ORIGINS AND ALSO, THIS COMPLAINT WILL ALSO SERV AS MY LETTER OF INTENT TO SUE FOR DAMAGES AND WILL NOTIFY THEIR LEGAL DEPT. OF MY INTENT TO SUE TRANSUNION FOR DAMAGES FOR FOR THEIR FAILURE TO CONDUCT A REINVESTIGATION AND FOR THE REPORTING OF INACCURATE AND INCOMPLETE INFORMATION BOTH OF WHICH ARE VIOLATIONS OF 15.USC. 1681i and 15.USC.1681e ( b ) FOR FOR EACH OF THE DISPUTED ACCOUNTS.

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 2025-02-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX JXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal

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