vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: LEXISNEXIS
State: MA

Complaint narrative:
This is my second request disputing inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) I am entitled to dispute fraudulent accounts and expect a prompt investigation. During the next XXXX days As a victim of identity theft, I request validation of the following accounts : Creditor : XXXX XXXX, Account Number : XXXX Reason : This account is not mine ; I never received communication from the creditor. Verification proof has not been provided. 

Creditor : XXXX XXXX, Account XXXX : XXXX Reason : This is a fraudulent account. A police report has been filed. 

Other Accounts Reported in FTC Report and Police Report : XXXX XXXX  XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX This issue has caused significant distress. I have reported it to the FTC, CFPB, and XXXX  for further assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Dear Fair Collections and Out I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XXXX XXXX and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

Internal Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards, ( 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 2025-01-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRIES, THEY SEEM TO BE FRAUDULENTLY DONE ON MY BEHALF. PLEASE REMOVE THEM FROM MY REPORT. INQUIRIES : 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 XXXX XXXX XXXXXX/XX/year> IDENTITY THEFY REPORT HAS ALSO BEEN ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

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 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$5200.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within 30 days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 
Sincerely, 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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex This account has been incorrectly classified as a charge-off, but it is considered income, for which I should have received a XXXX to report. This is neither a valid charge-off nor a debt and should be removed from my report. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for XXXX Form for Cancellation of Debt Dear American Express XXXX XXXX recently noticed that the account associated with XXXX has been marked as a charge-off on my credit report. However, I do not recall receiving a XXXX form for the cancellation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TomoCredit Inc.
State: NY

Complaint narrative:
They keep charge me and XXXX report on my credit report I respect to get all my refund

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

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. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a general complaint about the process that Chase has been using for chargebacks. Ive never really had such an issue. I had XXXX recently and possibly some others Ive long forgotten about or gave up on which are valid as I contacted the companies, the companies said contact your bank ( or just never responded ) and so I went through chase and then chase denies the chargeback! There are some when I went back to the company again and they finally responded and said, we cant give you a refund now because you had a chargeback even though chase had returned the money to them so they go around and say, go back to chase. Its an incredibly circuitous process and when companies have a failure to respond to a timely request many times and then I have to resort to a chargeback which is valid, and then fails. It just ends up becoming incredibly infuriating. Its not the first time so XXXX just confused as to what to do when this happens because at this point, chase isnt being helpful at all and money for services that I never even used or got wrongfully charged for. Not to mention that chase has been XXXX of the only accounts where I have lost money fraudulently from companies I dont even recognise not just once, but many times and it makes it feel unsafe.

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is only one address I am associated with. It is XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX. 
I demand all the other address be removed from my account. 


I have only one telephone number XXXX I demand all other telephone numbers be removed from my credit report. 

I need an investigation to determine why all addresses and telephone numbers are associated with my credit report and proof of verification.

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 2025-01-01 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: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures 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 Unverifiable 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 information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX Bank : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX Bank : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX Bank : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXXXXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.

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 2025-01-01 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: OH

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures 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 Unverifiable 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 information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXXXX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX: This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXXXXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX: This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding my experience with Chase Bank 's Visa Freedom credit card billing system. The lack of transparency and inconsistent information presented on their website has made it difficult for me to manage my account and understand the amount due.

Description of the Issue : 1. The Chase Freedom credit card website does not provide a clear breakdown of charges that contribute to the amount due displayed on the homepage. The sites interface offers no straightforward way to identify or confirm which specific expenses make up the total amount due.

2. Upon contacting customer service via the phone number listed on the card, I was advised to access the invoice section of the website to view the charges. However, the amount shown on the invoice is inconsistent with the amount listed on the homepage, adding to the confusion.

3. Despite seeking clarification from customer service, the issue remains unresolved, leaving me with no confidence in the accuracy or transparency of the billing process.

Impact : This lack of clarity and consistency has created significant difficulties in managing my account. It undermines trust in Chase Banks ability to provide accurate and transparent billing information. As a result, I have discontinued using the card in favor of a competitors card with a more user-friendly and transparent billing system.

Desired Resolution : I respectfully request that the CFPB investigate the following : Why Chase Banks credit card billing system fails to provide a clear and accessible breakdown of charges contributing to the amount due.

Why the amount listed on the homepage differs from the amount shown on the invoice.

Whether improvements can be made to Chase Banks website and billing practices to ensure accuracy, transparency, and ease of use for consumers.

I believe this issue raises concerns about compliance with federal credit card billing standards and the clarity required under the CARD Act.

Thank you for your attention to this matter. I trust that your investigation will help bring about the necessary changes to protect consumers like myself. Please feel free to contact me should you require additional information or documentation. 
Sincerely, XXXX XXXX XXXX

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

Complaint narrative:
I have been looking at my credit reports and i have been seeing a lot of fraudulent activity. 
On XX/XX/XXXX XXXX XXXX XXXX was opened on my credit with a fraudulent balance of {$20000.00}. XXXX XXXX XXXXXXXX was opened on XX/XX/XXXX with a fraudulent balance of {$12000.00}. A XXXX XXXX XXXX was opened on XX/XX/XXXX with a fraudulent balance of {$500.00}. To continue there was also a XXXX XXXX account listed on my credit report that is not mine! The balance of the XXXX XXXX is {$1200.00}. The last fraudulent account is a XXXX XXXX XXXX that was opened on XX/XX/XXXX with a balance of {$580.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
I have been looking at my credit reports and i have been seeing a lot of fraudulent activity. 
On XX/XX/XXXX XXXX XXXX XXXX was opened on my credit with a fraudulent balance of {$20000.00}. XXXX XXXX XXXXXXXX was opened on XX/XX/XXXX with a fraudulent balance of {$12000.00}. A XXXXXXXX XXXX XXXX was opened on XX/XX/XXXX with a fraudulent balance of {$500.00}. To continue there was also a XXXX XXXX account listed on my credit report that is not mine! The balance of the XXXX XXXX is {$1200.00}. The last fraudulent account is a XXXX XXXX XXXX that was opened on XX/XX/XXXX with a balance of {$580.00}.

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