vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with reporting agency, to remains unsolved. 
XX/XX/XXXX my vehicle was repossessed. I made a phone call to Chase Auto Finance department to figure out what happened. I was told by a Chase representative that I would be taken to court. The representative told me a date that I allegedly received the notice of repossession XXXX XXXX XXXX. I looked through my mail and told the representative that I never received this notice. The representative said I had to pay off the car completely in order to get it back {$27000.00}. I then made another phone call the Auto Finance department XX/XX/XXXX and a rude representative she then told me I had another date I allegedly received this repossession notice that I told her I never received with was XX/XX/XXXX. She claimed that I had returned mail as she was typing on the computer to change the information. I asked her when I made on time payments why did they report to my credit I was behind 60 days ( XX/XX/XXXX on time, XXXX XXXX 60 days behind and XX/XX/XXXX on time ). She could not give me an explanation instead she had an excuse and was being rude about the situation. I email XXXX XXXX of Chase myself on XX/XX/XXXX. I received a phone call from a XXXX XXXX XXXX ( XXXX XXXX XXXX ) he told me not to contact XXXX anymore and that he would handle the investigation. XXXX XXXX asked me for dates of the last representative I had spoken to on the phone call he informed me that he did not see a notice of repossession date and that I did not any returned mail. The morning of XX/XX/XXXX I received another phone call from XXXX XXXX in this conversation he is now saying the complete opposite of the previous conversation that him and I had. Upon this phone call XXXX XXXX has taken up the price of the initial principal of the vehicle to {$28000.00}. He informed me that I have until XX/XX/XXXX to refinance the vehicle with another lender. He also was typing on a computer to change the information in their system. This company has been adding on fees and has now damaged my credit report. The information this company is reporting is inaccurate and this is fraudulent reporting to my credit report.

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

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 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 2025-03-03 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: RI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my credit report, as I believe this information is inaccurate. The FCRA mandates that all information reported to credit bureaus must be not only accurate but also verifiable. The law requires that creditors, data furnishers, and credit bureaus ensure the data they report is based on correct and substantiated information. 

In light of this, I am requesting that the creditor or data furnisher thoroughly investigate the accuracy of the reported late payment. Specifically, I ask that they provide clear and verifiable documentation or evidence that supports the claim of the late payment. This may include payment records, correspondence, or any other relevant proof of the late payment being reported. 

If the creditor or data furnisher is unable to provide such verifiable evidence, I respectfully request that the disputed late payment be either corrected or completely removed from my credit report, in full compliance with the requirements outlined under the FCRA. If they fail to adequately investigate or provide proper verification, the information in question must be removed, as stipulated by the law.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023

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 2025-03-03 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: CA

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to 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 explanation
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to 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 2025-03-03 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: RI

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
Subject : Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

I have attached copies of my credit report and any supporting documentation. Please respond in writing within 30 days as required by the FCRA.

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 2025-03-03 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
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 2025-03-03 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
I thought the " Line of Credit '' loan would be similar to all other line of credit loan companies that I have seen in that ypou borrow against an interest rate but with this creditor they use a completelty different method that I am not sure is legal.

They use what they call a " Truth In Lending Statement. '' And per that statement, because my loan is for over {$3000.00}, my monthly pay amount was for {$450.00} on XX/XX/XXXX. However, out of the {$450.00} that is paid, only {$67.00} went toewards paying the principle. So it looks like this. 

Principle = {$4000.00} Payment - {$450.00} Billing cycle Charges {$380.00} But only {$67.00} went towards the principle.

That is 85 % that they are charging.

And I have never made a late payment. 

I am almost XXXX XXXX XXXX. Who is looking out for us? 

Thank you! 

XXXX XXXX

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

Complaint narrative:
Hello, I have gotten an alert on my credit report and have noticed that your company ran my credit without my consent. You need my written consent to place a hard inquiry on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ) ; meaning you must inform me in writing and get my explicit permission before pulling my credit history. 

This needs to be deleted. My credit was ran XXXX  times on XXXX and on my XXXX. This is highly alarming and needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I am writing in response to XXXX letter dated XX/XX/XXXXXXXX XXXX XXXX regarding my CFPB Complaint ID No. XXXX. Thank you for acknowledging my concerns ; however, the explanation does not address my primary issue of misleading credit reporting claims. 

When I applied for my loan on or around XX/XX/XXXXXXXX XXXX XXXX FAQ and website content led me to believe that the company reports loan activity to more than one of the major credit bureausnamely Experian, XXXX, and XXXX. Specifically : Website Language : The FAQ sections identify Experian, XXXX, and XXXX as credit bureaus, stating that XXXX reports data about customers to credit bureaus, with no mention of specialty bureaus ( such as XXXX XXXX XXXX  ). 
My Reasonable Assumption : Because of this phrasing, I understood that payment history would be provided to at least two of the three standard national bureaus. One of my main goals was to build or improve my credit profile across multiple mainstream credit reports. 
Actual Reporting : XXXXXXXX XXXX XXXX XXXX letter confirms that the company only reports to XXXXXXXX XXXX XXXX XXXXXXXX. Since XXXX XXXX owned by Experian ) and XXXX  ( owned by XXXX ) are specialty bureaus rather than traditional ones, the loan I repaid in full on XX/XX/XXXX, only appears on XXXX XXXX and Experian profiles unaffected. 

Because the FAQ makes no reference to XXXX or XXXX, borrowers could reasonably believe credit bureaus means XXXX, Experian, and XXXX. I would not have chosen this loan had I known it would not be reported to XXXX and Experian.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I am writing in response to XXXX letter dated XX/XX/XXXXXXXX XXXX regarding my CFPB Complaint ID No. XXXX. Thank you for acknowledging my concerns ; however, the explanation does not address my primary issue of misleading credit reporting claims. 

When I applied for my loan on or around XX/XX/XXXX XXXX XXXX XXXX FAQ and website content led me to believe that the company reports loan activity to more than one of the major credit bureausnamely XXXX, Equifax, and XXXX. Specifically : Website Language : The FAQ sections identify XXXX, Equifax, and XXXX as credit bureaus, stating that XXXX reports data about customers to credit bureaus, with no mention of specialty bureaus ( such as XXXX XXXX XXXX ). 
My Reasonable Assumption : Because of this phrasing, I understood that payment history would be provided to at least two of the three standard national bureaus. One of my main goals was to build or improve my credit profile across multiple mainstream credit reports. 
Actual Reporting : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX letter confirms that the company only reports to XXXXXXXX XXXX XXXX XXXXXXXX. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are specialty bureaus rather than traditional ones, the loan I repaid in full on XX/XX/XXXX, only appears on XXXXleaving Equifax and XXXX profiles unaffected. 

Because the FAQ makes no reference to XXXX or XXXX, borrowers could reasonably believe credit bureaus means Equifax, XXXX, and XXXX. I would not have chosen this loan had I known it would not be reported to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, MoneyLion freezes my account without notifying me until I reach out. Thats when they ask me to send a Copy of A Billing Document, ID with selfie, and front and back. I send it and then they claim 3-5 business days with a response. 5 days later, they claim that the document of billing is not acceptable which is confusing because its of a bank account. They then claim they would prefer one of one of the accounts thats linked to the MoneyLion account. I then proceed to do so and now they are asking me to explain unusual activity on my account! 

Im irate at this point because I have money on there I couldnt touch and I believe they are doing this because of some Provisional Credit that should be in my account as well but since my account is frozen, I have no access to anything. Its been a month now and I have yet to receive a response! I have been patient with this unprofessional procedure!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: RI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my credit report, as I believe this information is inaccurate. The FCRA mandates that all information reported to credit bureaus must be not only accurate but also verifiable. The law requires that creditors, data furnishers, and credit bureaus ensure the data they report is based on correct and substantiated information. 

In light of this, I am requesting that the creditor or data furnisher thoroughly investigate the accuracy of the reported late payment. Specifically, I ask that they provide clear and verifiable documentation or evidence that supports the claim of the late payment. This may include payment records, correspondence, or any other relevant proof of the late payment being reported. 

If the creditor or data furnisher is unable to provide such verifiable evidence, I respectfully request that the disputed late payment be either corrected or completely removed from my credit report, in full compliance with the requirements outlined under the FCRA. If they fail to adequately investigate or provide proper verification, the information in question must be removed, as stipulated by the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief