vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my dispute regarding Inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C which mandates a reasonable investigation disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



These are the accounts thats reporting. 
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 2025-03-09 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: 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.

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 seven 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 2025-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Model Finance Company
State: NC

Complaint narrative:
I fell under hardship and request my bike loan company model finance to they could lower my payment which they refused, forcing me to fall behind on my payments. They have continued to harass me and report negative information to my credit report every month. They refused to take partial payments and have been very unprofessional in the process. They have wrote my bike off as a profit for lost and still report negative information every month to my credit report stopping me from being able to get a loan to pay them in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase business credit card services is reporting my business account to my personal credit report which has tremendously affected my credit report. The credit card is for an LLC business account and should have never reported to any of my credit reports. That credit card has belonged to my LLC since XXXX with no late or missing payments. It has never been on my personal credit report till I viewed it this week XX/XX/XXXX. To is information has damaged my credit history and affected other credit accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
Equifax XXXX XXXX XXXX, XXXX, GA XXXX Re : Request for Deletion of Charge-Off from Credit Report Account Number : XXXX ( XXXX XXXXXXXX ) Dear Sir/Madam, I am writing to formally dispute the accuracy of the charge-off status listed on my credit report for the XXXX XXXXXXXX account with the above-referenced account number. I respectfully request that this ac-count entry be deleted from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and based on the legal principle that a charge-off is considered in-come for tax purposes under 26 U.S.C. 61 ( a ).

Upon reviewing my credit report, I found that the account reflects a charge-off, which is negatively impacting my credit score. However, under 26 U.S.C. 61 ( a ) of the Internal Revenue Code, a charge-off may be treated as income by the creditor for tax purposes, meaning the amount written off is recognized as income, and is thus no longer a legitimate obligation that I owe.

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete. A charge-off, by definition, represents a situation where the creditor has dis-charged the debt, treating it as income rather than as an outstanding balance owed. This should not be reflected as a current obligation on my credit report but rather should be removed if the debt has been discharged.

Therefore, I request that you delete this charge-off entry from my credit report based on the following : 1. Charge-Off as Income : Under 26 U.S.C. 61 ( a ), a charge-off is considered taxable income to the debtor, meaning it is no longer a valid debt obligation. Since the charge-off is recognized as income for tax purposes, it should not be reflected as an outstanding balance on my cred-it report.

2. Fair Credit Reporting Act : Pursuant to the FCRA, 15 U.S.C. 1681 et seq., I am entitled to have my credit file contain accurate and verifiable information. A charge-off entry that has been treated as income should not remain as a negative mark on my credit file.

I respectfully request that you conduct a thorough investigation into this matter and, based on your findings, remove the charge-off from my credit report if the information can not be verified as accurate or if it is in violation of the above statutes.

Please provide me with written confirmation of the results of your investigation and the actions taken regarding this dispute. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The accout with JPMCB that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been disputed.This is a violation of accurate credit reporting per US Code 1692 and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: OH

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.

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 seven 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> I wrote Transunion about the improper use of my consumer report. Ive request to remove the information furnished to them improperly which constitutes a violation of 15 USC 1681 B2 No response from company about its investigation as to furnished them with incorrect information

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
Ive Opt Out of XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX are telling me that theyre still getting my information my credit information from XXXX XXXX XXXX XXXXXXXX, etc. my accounts are being closed are closed and I dont understand what the XXXX major credit bureaus are getting my information from when they are sending me letter stating that they are still getting my information from these Credit monitoring companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-09 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: TN

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report ( Identity Theft ) Dear Credit Bureau Dispute Department, I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate. These inquiries were made without my consent and are a direct result of identity theft. Per the Fair Credit Reporting Act ( FCRA ) 604, hard inquiries require my explicit authorization. Since I never gave permission for these inquiries, I am formally requesting their immediate removal from my credit report. 



Unauthorized Hard Inquiries ( To Be Removed ) The following inquiries are fraudulent and should be deleted from my credit file : Creditor Name. Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations & My Rights FCRA 604 A hard inquiry requires my explicit authorization.

FCRA 609 I have the right to request verification of my signed authorization.

FCRA 611 I have the right to dispute and remove inaccurate or unauthorized credit report information.

Since I never applied for credit with these companies, I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit file.

2. Written confirmation that these inquiries have been removed.

3. A copy of the documentation proving that I authorized these inquiries. If no proof is available, the inquiries must be deleted. 

If the credit bureau fails to investigate and remove these unauthorized inquiries, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with FCRA regulations. 


Supporting Documentation Included : 1. FTC Identity Theft Report ( Report Number : XXXX ) 2. Proof of identity ( Drivers License, Social Security Card, and Proof of Address )

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 2025-03-09 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: GA

Complaint narrative:
The following account appears twice on my credit profile. Im an AU on my wife 's credit through her XXXX XXXX account. The duplicate account appeared on my credit within the last week. Everything is duplicated with the exception of the balance, which is a {$1000.00} difference... It took my credit score down XXXX points, and I need this corrected. 
The report dates are XX/XX/XXXX and XX/XX/XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX Attn XXXX Disputes XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
This account never had late payments even it was paid in full and closed and continues to exist on my negative credit report ... .The account in question is XXXX XXXX Late Payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-09 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FC HoldCo LLC
State: AL

Complaint narrative:
I was checking my credit report and saw some inquires I didn't recognize. I am wanting the following inquiries to be deleted : XXXXXXXX XXXX  XXXX, XXXX XXXX and XXXX. These inquires happen on XX/XX/year>. I did not authorize these companies to run my credit. This is fraudulent.

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 2025-03-09 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
I was checking my credit report and saw some inquires I didn't recognize. I am wanting the following inquiries to be deleted : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. These inquires happen on XX/XX/year>. I did not authorize these companies to run my credit. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year>, I initiated a balance transfer with XXXX  XXXX ( To transfer a balance from Wells Fargo ) And upon checking my Wells Fargo account, I now see XXXX payments were made to them. This leaves me with an overpayment and credit in Wells Fargo. Upon checking with XXXX  XXXX however, only XXXX payment on their end, shows to have been made. So technically, on the XXXX  XXXX side, I'm squared away, but on the Wells Fargo side, I received more money than I should have. The balance transfer was in the amount of {$1700.00}. I see this twice in Wells Fargo. When I contact XXXX  XXXX, they insist there is no error. When I contact Wells Fargo and ask for the source or electronic trail for the transaction, they fail to provide me one. I need help as I don't want to be held liable for this, especially if XXXX  XXXX discovers it is indeed an error, down the line.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
My information was stolen and it includes a lot of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Futhermore, I am asserting my rights under 15 u.s.c. 1681s-2 ( b ) which mandates that inaccurate, incomplete, or unverffiabe accounts be deleted from the consumer 's credit report after an investigation. I expect confirmation of deletion with 30 days, as per federal law. 

Please send me an update copy of my credit report reflecting the removal of this account if this matter is not resolved in a timely manner, I am prepared tofile a formal complaint with the Consumer Financial Protection bureau ( CFPB ) and other regulatory agencies thank you for you pront attention to this matter please confirm recept of this letter and provide the results of you investigation at you earlest convenience sincerely 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