vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried contacting the three credit buerues and I have entered a complaint about these fradulents account on my credit and they still have yet to act on my situation at the moment I would love for them to remove the 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried contacting the three credit buerues and I have entered a complaint about these fradulents account on my credit and they still have yet to act on my situation at the moment I would love for them to remove the 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 2025-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXXXX/XX/XXXX, I received a fraudulent charge on my checking account for the amount of {$520.00} labeled as the following : " XXXX XXXX XXXX* securepayment XXXX XXXX '' On XX/XX/XXXX, I submitted a complaint to Bank of America regarding a fraudulent charge on my bank account ( Claim ID # XXXX ). The charge was from a merchant who transfers funds to a recipient directly ( e.g., XXXX, XXXX, etc. ). From my understanding, Bank of America offers {$0.00} liability guarantee for any unknown or fraudulent charges on my bank account. 

The bank issued a temporary credit for the purchase during their investigation of the claim, and I did not hear back from the claim until XX/XX/XXXX, when I noticed a {$520.00} deduction from my bank account. I was not certain where or why this charge came from, so I contacted the bank the same day to notify them of this. They had informed me that the claim was ultimately decided to not be in my favor, and to contact the merchant to recoup my funds. I had no idea who the merchant was, where to contact them, and how to get ahold of them. I requested with the fraud department to please re-review my claim and continue to seek restitution for this. Again, I had received nothing from this {$520.00} charge and did not know who the merchant was. 

The bank provided a temporary credit once again to me to cover the costs during their re-review of the claim, and I received an update today, XX/XX/XXXX, that they again did not rule in my favor for the claim. They told me they exhausted all efforts to recoup the money and I needed to reach out to the merchant to resolve this matter, but did not provide any information on the merchant. 

I am extremely upset and disappointed in Bank of America as my financial institution that I have been banking at for over 10 years of my life. I feel as if their fraud department let me down and I don't believe I should be responsible for paying the fraudulent charge on my bank account. This matter has made me determined to close my bank account with them and to avoid doing any further business with them as a financial institution.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an Email from Chase Executive in regards to my previous complaint Complaint ID number XXXX with a contact number. I made contact with Chase Executive Representative named XXXX. Upon our conversation she asked me questions regarding my complaint but would not allow me to answer acting very unprofessional and rude by cutting me off in the middle of answering her questions. I was treated with no respect or and not able to speak to XXXX in a civil manner trying to get JP Morgan Chase Bank & Co. and or Chase Executive Office to correct civil rights violations they have committed against me. I was also told by XXXX that I would receive an answer to my complaint and requested resolve statement that I wish for JP Morgan Chase Bank to do to fix the problem and to no avail I did not receive any response back from Chase Executive Office or any of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Data breach Name XXXX XXXX Address XXXX XXXX XXXX XXXX, Al XXXX XXXX XX/XX/XXXX LAST 4 of SSN XXXX DATE XX/XX/XXXX Bureau Name Equifax Legal Recently, I did an investigation on my credit report and fould several items on there to be inaccurate. 

Under U.S. CODE 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. CODE 1681i ( 5 ) Treatment of inaccurate or inveriable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of the information, as appreciate, based on the results of the reinvestigation ; and ( ii ) promptly notifying the furnisher of that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit score report, immediately :

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Data breach Name XXXX XXXX Address XXXX XXXX XXXX XXXX, Al XXXX XXXX XX/XX/XXXX LAST 4 of SSN XXXX DATE XX/XX/XXXX Bureau Name Equifax Legal Recently, I did an investigation on my credit report and fould several items on there to be inaccurate. 

Under U.S. CODE 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. CODE 1681i ( 5 ) Treatment of inaccurate or inveriable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of the information, as appreciate, based on the results of the reinvestigation ; and ( ii ) promptly notifying the furnisher of that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit score report, immediately :

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Out of all 5 accounts I've encountered the same situations, with this specific account at Chase bank, the over draft fee 's and the constant fraud alert locks due to my money being compromised due to suspicious charges that I didn't charge on my account. My account was automatically closed, It caused problems for me because I get my direct deposit to my bank account. It caused other bills to be late and develop over draft fees

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: WI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes 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 thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Aligned Company DBA Extra
State: GA

Complaint narrative:
I am writing to dispute fraudulent activity on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts or inquiries that I didn't initiate. I've disputed the account EXTRA from XX/XX/year> all the way to XX/XX/year>. It still shows up on my credit report even though it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: BTH Management
State: GA

Complaint narrative:
Plaza services attached a collection on my acct XXXX unaware of what this is for and its not listed. I am requesting for the removal of this account. This is causing me a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX  Experian, TransUnion , and Equifax Subject : Request for Removal of Unverifiable Account Compliance with FCRA & FDCPA To Whom It May Concern, I am writing to formally request the removal of an unverifiable charge-off account from XXXX XXXXl, originally reported on my credit file. The details of the disputed account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Amount : {$26000.00} On XX/XX/year>, I submitted a dispute regarding this account with XXXX, as I believed it was inaccurate and/or unverifiable. XXXX completed their investigation on XX/XX/year> and subsequently deleted the account from my credit report. Due to this deletion, it is evident that the account could not be verified, and as such, I am requesting that Experian, TransUnion, and Equifax immediately remove this unverifiable account from my credit report as well.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account is disputed and subsequently found to be unverifiable, it must be deleted from the consumers credit report. If XXXX, a recognized nationwide specialty consumer reporting agency, was unable to verify the account and therefore removed it, Experian, TransUnion, and Equifax are also required to follow suit to ensure compliance with the law. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e prohibits any false or misleading representation of debt. Keeping an account on my credit file that has been proven unverifiable constitutes a violation of this provision. 

I formally request that Experian, TransUnion, and Equifax remove this account within 30 days, as required by law. Failure to comply may result in further legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential litigation under FCRA 15 U.S. Code 1681n and 1681o, which provide for statutory damages, actual damages, attorney fees, and punitive damages for non-compliance.

Please confirm in writing when this unverifiable account has been removed from my credit report. If this request is denied, please provide a detailed explanation and the method used to verify the accuracy of the account. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: WV

Complaint narrative:
Dear CFPB I am writing to formally lodge a complaint regarding an unauthorized charges on my Chime account and the prolonged delay in resolving my dispute. The dispute number is XXXX. I have occasionally added money to my account without issue. XX/XX/year>, funds in the amount of {$400.00} was on my Chime card. However, I discovered that XXXX withdrew approximately {$110.00} from my account without my authorization. 

Upon noticing this transaction, I promptly contacted XXXX to dispute the charge, as I did not make this purchase. XXXX informed me that, despite the first name on the charged account not matching mine, they could not take action because the last name was similar. Instead, they advised me to contact my bankChimeto dispute the transaction directly. 

Following their guidance, I filed a dispute with Chime immediately. I have provided all necessary documentation and information proving that this transaction does not belong to me and that the account in question is not mine. Despite my efforts, I have yet to receive a resolution, and my funds remain unreturned. I was even told that if they could not resolve it within 10 days a provisional credit would be issued and that was not the case. they said not on credit cards however that is not what i was told. 

I have attached what i can. The only way to send anything to them is to attach a image. I have not hear ANYTHING! 

This delay is unacceptable, as it has caused me unnecessary financial distress. I urge Chime to expedite the resolution of this dispute and return my money as soon as possible. I have wrote them through screen shots and told them I have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory authorities. 

Please provide me with an update on the status of my dispute and the expected timeline for the return of my funds. I look forward to a swift resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : BXXXX 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : BXXXX 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried contacting the three credit buerues and I have entered a complaint about these fradulents account on my credit and they still have yet to act on my situation at the moment I would love for them to remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
I have requested them to validate when I have been late on my mortgage or XXXX XXXX  accounts. They nave not prodded the method of verification whom and when they spoke to anyone The telephone number or anything. Ican assure you I have the documentation to prove XXXX  never been late additionally the law indicates that before you place negative information on a consumer gel it must be verofie. ITs and can not be verified. This is breaking the law. The law that was placed to protect condiments is not being verified.

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 2025-03-01 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: FL

Complaint narrative:
I have requested them to validate when I have been late on my mortgage or XXXX XXXX  accounts. They nave not prodded the method of verification whom and when they spoke to anyone The telephone number or anything. Ican assure you I have the documentation to prove XXXX  never been late additionally the law indicates that before you place negative information on a consumer gel it must be verofie. ITs and can not be verified. This is breaking the law. The law that was placed to protect condiments is not being verified.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My information has been misused. According to my credit report there's a numerous amount of accounts i see that i never opened myself. On the date XX/XX/XXXX a " XXXX XXXX  '' was opened reporting {$14000.00} on my credit report. On the date XX/XX/XXXX a XXXX was opened reporting a {$0.00} credit limit and {$8400.00} balance. On the date XX/XX/XXXX a XXXX XXXX  was opened reporting {$5900.00} on my credit report. Lastly, on XX/XX/XXXX a XXXX XXXX XXXX was opened reporting a {$230.00} balance. I am now on my last step of my recovery plan.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My information has been misused. According to my credit report there's a numerous amount of accounts i see that i never opened myself. On the date XX/XX/XXXX a " XXXX XXXX  '' was opened reporting {$14000.00} on my credit report. On the date XX/XX/XXXX a XXXX was opened reporting a {$0.00} credit limit and {$8400.00} balance. On the date XX/XX/XXXX a XXXX XXXX  was opened reporting {$5900.00} on my credit report. Lastly, on XX/XX/XXXX a XXXX XXXX XXXX was opened reporting a {$230.00} balance. I am now on my last step of my recovery plan.

Company response to consumer: Closed with non-monetary relief