vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-04 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:
I am writing to formally notify you that I am a victim of a data breach and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Complaint XXXX * I am submitting this complaint to request the removal of late payments reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I have previously disputed these late payments with the credit reporting agencies ( XXXX, Experian, and XXXX ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

*Relevant Laws : * - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022

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 2024-12-04 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: FL

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

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 2024-12-04 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: NY

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Note : Bank of America Claim number : XXXX Hello, currently I am dealing with a fraud claim with Bank of America since XX/XX/year>. Thieves stole my credit card info ( not the physical card ) and charged over {$42000.00} in a jewelry store in California using their phone or digital wallet, As of today XX/XX/XXXX BoA has not refund me. 

Even worst the credit limit on that card is {$13000.00} but BoA allowed the thieves to charged over {$42000.00}. 
On XX/XX/year> I received a phone notification that a transaction of {$5.00} was made in a fast food restaurant in California, immediately I called Bank of America and I reported, they " cancelled '' the card and mailed a new one. 

Then in XX/XX/year> while checking my balance I noticed two transactions for over {$42000.00} were posted in the account even though the card limit is {$13000.00}. Bank of America claimed the charges were made with a digital wallet, not physical card and allowed these charges to go through even after I reported the fraudulent charge 2 days prior. 

Also, Ive been a customer of BoA for 29 years. 

As mentioned above these charges are still in my balance affecting my credit score. 

Bank of America failed to protect me and have not refund these charges that were made by thieves. 

I can provide all the required documentation. 


XXXX XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PayTomorrow, LLC
State: NC

Complaint narrative:
I used Pay Tomorrow to finance a purchase of new wheels for my car on XX/XX/2024. Since then, I have been receiving excessive and repetitive phone calls from Pay Tomorrow, sometimes more than 4 to 5 times every single day. Even if I am just one day late on a payment, I am immediately bombarded with these calls. I have the app downloaded and use it to make my payments, yet the calls continue relentlessly. The frequency of these calls is disruptive, especially while I am at work, and I have requested multiple times for them to stop. 

I have never experienced this level of harassment with any other company I have leased with. As a result, I am requesting immediate action to stop the repeated phone calls and compensation for the inconvenience this has caused. I also ask for a written acknowledgment of this complaint and resolution within a reasonable timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of several entries on my credit report. The accounts I am disputing are as follows : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Open The information being reported for these accounts is incomplete and inaccurate, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically : Inaccurate Information : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information. Any inaccuracies represent a failure to comply with this statute.

Consumer Rights : According to 15 U.S.C. 1681i, if the information can not be verified, it must be deleted. As such, I request that these accounts be investigated promptly. 
Fraudulent Reporting : The FCRA demands the correction or removal of any misleading or fraudulent information from a consumers credit report. 
Additionally, I will be sending copies of this letter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for their records regarding the inaccuracies in my report. 
The landmark case XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX demonstrates how courts have ruled in favor of consumers whose credit files contained inaccuracies. Furthermore, the TransUnion LLC XXXX XXXXXXXX case highlighted the obligation of credit reporting agencies to ensure that information like mine is accurately reported and can be effectively challenged. 
Given the critical nature of credit reporting accuracy, I respectfully request a thorough investigation into these discrepancies and a prompt written response indicating the findings of your investigation. If the information is found to be incorrect or unverifiable, I ask that these accounts be immediately removed from my credit report. 
Thank you for your urgent attention to this matter. I look forward to your swift response. 
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 2024-12-04 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:
Fraudulent account on my credit report XXXX XXXX XXXXXXXX account number XXXX ). 
I am disappointed that my information has been compromised by identity theft. Im trying to buy a house for me and my family and this has put a serious hole on the process. By the FCRA 15 C 1681G my information should be safe and secure and its not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block frozen information on a consumers credit report if that consumer claim it was a result of identity that credit reporting agencies must block the information within four business days from receiving this information. 

Fair to respond with deletion of the above reference account and sent out a free copy of my credit report will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for defamation of character, negligence, enablement of identity theft, section 1681EB of the fair credit reporting act.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from a debt collector regarding an outstanding balance of around {$3600.00} for a JP Morgan Chase account I did not open. Initially, I believed it was a scam due to an incorrect address provided by the debt collector. However, after reviewing my credit report, I discovered a closed JP Morgan Chase account opened fraudulently in my name in XX/XX/XXXX. 

I reported this identity theft to JP Morgan Chase, the Police Department, and credit reporting agencies. JP Morgan Chase confirmed the account used my personal information but had incorrect address details. They assured me their fraud department would investigate. I also requested fraud alerts on my credit accounts to protect against further misuse. Their fraud department has ruled that the account is valid and I subsequently opened another investigation on XXXX. 

The fraudulent account had been used for suspicious activity, including cash advances, small repeated transactions, and other charges I did not authorize. Payments to the account were refunded in a manner indicative of fraud. 

Actions Taken : 1. Police Report Filed : On XX/XX/XXXX, I filed a police report affirming the identity theft. 
2. Communication with JP Morgan Chase : I reported the fraud and spoke with multiple agents on dates including XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
XXXX. Fraudulent Charges Identified : Review of the account revealed patterns of fraudulent use. 
4. Credit Reporting Agencies Notified : On XX/XX/XXXX, I contacted credit reporting agencies requesting removal of the fraudulent account and placed fraud alerts on my credit files. 
XXXX. FTC Report Filed : I filed an identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Dear CONSUMER ADJUSTMENT CO I am writing to formally dispute a debt collection account that has been reported to my credit report # XXXX this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) .CONSUMER ADJUSTMENT CO has zero authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) CONSUMER ADJUSTMENT CO has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX Dear CFPB, I am writing to dispute inaccurate information being reported on my credit file regarding the XXXX XXXX XXXX account. The reporting of late payments on this account is negatively affecting my credit report and financial opportunities. 

The reported late payments for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) appear to be in violation of the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant sections of consumer protection laws, including 15 U.S. Code 1666b, 1681i, and 1681s-2. 

I formally request a reinvestigation to ensure the accuracy of the late payment information. Additionally, I request the following specific details for my own records : The exact number of days I was late for each of the months listed as having late payments. 
A total calculation of how many days late I was across all months. 
If the reporting of these late payments can not be verified or confirmed as accurate, I respectfully request their removal from my credit file. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( 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 2024-12-04 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-12-04 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: VA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-04 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: VA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-12-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks

Company response to consumer: Closed with non-monetary relief