vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 


1. The following personal information is incorrect Account Number : Current Address ( XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 


1. The following personal information is incorrect Account Number : Current Address ( XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, I am writing regarding a fraud claim I opened on my Chase Freedom Unlimited credit card on XX/XX/XXXX for these charges : XX/XX/XXXX XXXXXXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX XXXX XXXX. I received a letter from Chase on XX/XX/XXXX notifying me that I am responsible for the XX/XX/XXXX XXXX XXXX XXXX XXXX charge due to reason provided as " You received benefit from this transaction ''. However, no additional documentation was provided from Chase with the letter sent to me on XX/XX/XXXX. 

I did hire XXXX XXXX XXXX to handle my move for me. On XX/XX/XXXX, per their request, I sent them a credit card release form providing the credit card details for my freedom unlimited card for my move scheduled on XX/XX/XXXX with XXXX. However, I did not feel comfortable with the merchant being able to charge my card automatically without seeing a breakdown on an invoice of what my moving charges will be, so I emailed XXXX prior to my scheduled move date of XX/XX/XXXX and prior to them having charged my freedom card yet with a credit card authorization revocation letter on XX/XX/XXXX via email. I informed XXXX that I would only like to pay with my credit card physically presented at their office after receiving an invoice. XXXX from accounts receivable at XXXX XXXX responded to my email on the same day on XX/XX/XXXX confirming receipt of my credit card authorization revocation letter, assured me my credit card previously authorized would no longer be charged, and accepted my request to come in to their office to pay with my credit card physically presented upon receipt of an invoice. However on XX/XX/XXXX, they still charged my credit card {$1500.00} and then later posted a {$1900.00} charge to my credit card on XX/XX/XXXX violating my credit card authorization revocation letter prohibiting them from doing so. I have included copies of the emails to and from XXXX at XXXX as well as copies of the original authorization as well as the revocation. 

According to Chase, " You received benefit from this transaction ''. I am not disputing whether services were rendered. I am disputing this charge as fraud because there was confirmation from the merchant that they received my credit card authorization revocation letter and assured me they would not charge my card remotely. This was setup to ensure that merchant sends me an invoice to clarify what they are charging me for and for my own security to be able to pay the charges with my own consent at their office with a physical credit card. In this case, the merchant charging my credit card remotely without any authorization to do so is considered fraud especially as the merchant had never sent an invoice either to detail the {$1900.00} in charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX noticed a {$540.00} over draft charge on my navy federal account called the bank inform them of my XXXX  issues having a XXXX and a XXXX on XXXX  XXXX. Pay the balance off and settle the balance and shortly thereafter in 3 days my account was overdrawn back to {$470.00} dollars due to return checks i have paused. Payed off the balance on XX/XX/XXXX and this keeps recurring and now my account is suspended and at 56 days to be closed even when i called and have trying to asked for no more charges to my account and my XXXX XXXX. Money has been taken from my account without my knowledge and it wasnt fixed nor returned.. my account always back to {$540.00} constantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
XX/XX/2024 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
My credit report was breeched. It was sold and or shared illegally by Equifax. I have disputed many accounts in the past and Equifax never showed any proof of the investigations done as proof that those are my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-08 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act AFFIRM INC account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card... 
XXXX account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My credit report has fraud accounts from data breach exposure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: EGL US, LLC
State: IL

Complaint narrative:
My credit report has fraud accounts from data breach exposure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
This account is on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. I have complete numerous disputes and nothing has been done. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove this account as well and no progress has been made. The account is call XXXX XXXX XXXX date opened is XX/XX/year> there phone number is XXXX XXXX XXXX I have asked Transunion to verfy that this is my account ask them what SSN address and information do they have on file because none if it is mines. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
I looked at my credit report yesterday and notice an account I do not have. XXXX is not my account. I want it removed XXXX XXXX XXXX has charged me for {$4000.00} in Visits I have been to his office for. I called and left a lengthy message to try to rectify this problem. He responded condescendingly that I left a long message and he did not take off the charges when I discontinued his service. I will only pay for the XXXX XXXX  and they could not be over {$100.00}. He diagnosed me incorrectly and I am now going to another chiropractor for almost a year. I paid cash {$4000.00} in cash to the new chiropractor. 

XXXX XXXX XXXX Account was opened in XXXX. They say I owe more now almost 2 years later than I did to open the account! I offered to settle with them for {$770.00} this month but found my email and see I owe more than the initial credit card amount 2 years later! I want a reasonable settlement not {$780.00}. Ive already paid them at least {$500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MI

Complaint narrative:
Hi myself my mother and also my daughter are eligible for the cash app settlement. On XX/XX/year> I believe it was the XXXX I contacted them on behalf of us all and they gave me a fake link to submit the claims I have screenshots I contacted them by chat and also email to let them know hey its not working they sent me another link which also didnt work I spoke now that the deadline has passed we have noway of benefiting from the settlement because of this I spoke with them and they said hey we dont send out links and emails this must have been someone else pretending to be cashapp in so many words. But my screenshots proves that this information came directly from them. THEY GAVE US FAKE LINKS SO WE COULDNT SUBMIT CLAIM WHICH IS REALLY UNFAIR BECAUSE ME ALONE LOST ALOT PLEASE HELP US. I have 2 emails associated with my cashapp I have communication with cashapp support concerning this issue on both of my emails : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute of Credit Report Errors To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report, and I found the following errors that require immediate investigation and correction XXXX XXXX ( Account # XXXX is a sample dispute letter you can use, referencing the Fair Credit Reporting Act ( FCRA ) Dispute : You are reporting multiple 30-day late payments on this account. I dispute the accuracy of this information and request verification that these late payments were more than 30 days past due. 

XXXX. XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX  ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 



The failure to verify or provide proof of these accounts has harmed my ability to secure credit. Under the FCRA, all unverifiable or inaccurate accounts must be removed from my credit report. 



Please conduct an investigation into these disputes and provide me with written confirmation of your findings. I also request that you send me a corrected copy of my credit report upon completion of the investigation. 



Thank you for your prompt attention to this matter. If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief