vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chase Bank regarding their denial of my chargeback request for a transaction in which I did not receive the service as promised. Despite providing substantial evidence, Chase has refused to assist me, citing the dispute window policy, even though the issue only became apparent beyond their dispute timeframe due to the merchants failure to provide the service as originally scheduled. Transaction Details : Merchant Name : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1600.00} Nature of Service : XXXX XXXX Scheduling Scheduled Service Date : XX/XX/XXXX Disputed Date : XX/XX/XXXX I initially disputed this charge mistakenly as a billing error but later informed Chase that it was an error on my part to dispute it in that category. Upon receiving further confirmation from the XXXX team about my actual service date, I refiled the dispute under " service not received '' because my service was incorrectly scheduled for XX/XX/XXXX, instead of the originally confirmed date of XX/XX/XXXX. The XXXX teams error prevented me from taking XXXX XXXX on the intended date, effectively denying me the service I paid for. Chase Bank denied my dispute, stating that it was outside their six-month dispute window. However, the reason for this delay is that my service was scheduled for XX/XX/XXXX, meaning I was unaware of the issue until shortly before that date. I believe Chases refusal to process my dispute is unfair and unjust. I request the CFPBs assistance in urging Chase Bank to reconsider my chargeback claim, given the unique circumstances surrounding the delayed dispute filing. I am attaching all relevant documentation, including my initial service confirmation, email correspondence with the XXXX team, and Chase Banks response to my dispute. I appreciate your time and consideration in resolving this matter. Please let me know if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate ChexSystems Reporting by XXXX XXXX  Dear XXXX XXXX  and Chexsystems, I am submitting this formal dispute against XXXX XXXX  XXXX regarding the unlawful reporting of a business account on my personal ChexSystems report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file. 

Disputed Account Details : Bank Name : XXXX XXXX  XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> XXXX/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report.

Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which XXXXXXXX XXXXXXXX  has failed to do.

Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information.

Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate.

Requested Resolution : Immediate removal of this illegally reported business account from my personal ChexSystems report. 
Written confirmation of its deletion. 
An investigation into XXXX XXXX  unlawful reporting practices. 

Noncompliance XXXX result in legal action. 

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 2025-03-11 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX INQUIRY XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-11 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: GA

Complaint narrative:
I have disputed multiple times online and also called XX/XX/year> to have personal information that is inaccurate and doesn't belong to me removed from my credit reports and they have not been updated.

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 2025-03-11 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: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate XXXX Reporting by U.S. Bank Dear U.S. Bank and XXXX, I am submitting this formal dispute against U.S. Bank Corporation regarding the unlawful reporting of a business account on my personal XXXX report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file. 

Disputed Account Details : Bank Name : U.S. Bank Corporation Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> XXXX/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report. 
Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which U.S. Bank has failed to do. 
Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information. 
Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate. 

Requested Resolution : Immediate removal of this illegally reported business account from my personal XXXX report. 
Written confirmation of its deletion. 
An investigation into U.S. Banks unlawful reporting practices. 

Noncompliance may result in legal action. 

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 non-monetary relief
Consumer complaint received 2025-03-11 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX 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 2025-03-11 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORTS NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX XXXX XXXX. ACCOUNT # XXXX ON DATE XX/XX/XXXX. 
- XXXX. ACCOUNT # XXXX-************** ON DATE XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
On XXXX, I was served papers to appear in court over a lawsuit that was filed against me by Crown Asset Management, a company/entity that has never attempted to reach me before. This lawsuit claims that I owe them a debt of {$4400.00} which was a debt from an installment account bought from an " original creditor '' XXXX. I do not have any knowledge of this debt to either entity. I purchased a full history credit report, from XXXX, outlining all debts that I am currently responsible for. Not only do none of the creditor names match Crown Asset Management, XXXX or either entity 's partners, but none of the debts that I currently owe even come close to the amount that I am being sued for. This leads me to believe one of two things : 1 - this debt is old and past the statute of limitations in Arizona, where I live, to which they can not legally pursue this debt, or 2 - that this is a debt resulting from identity theft. On XXXX, same day as my serve date, I had attempted to reach out to Crown Asset Management through their website 's contact portal, asking them to verify the debt. I provided a phone number and email address to initiate the communication as well. Before sending the request for contact, I recorded a video outlining the details of my request and submitting proof that the request was sent, but is too large to attach in this complaint. I have not received any correspondence about this debt since then, but am still responsible to appear in court. Crown Asset Management 's reviews on every website has numerous testimonies of them proceeding with these unethical claims and lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, And I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this 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 explanation
Consumer complaint received 2025-03-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased a vehicle and used their financing and they ran my credit three times XXXX XXXX & XXXX of 2023. Toyota Motor Credit Company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EdFinancial Services
State: TX

Complaint narrative:
Hi, I am writing to formally dispute the information related to late payments that appears on my credit report concerning XXXX XXXX. I have reviewed my credit report and found several entries that I believe to be inaccurate and unfairly damaging to my credit history. 
To clarify, I have never attended XXXX XXXX, nor did I enroll in any courses, complete assignments, or take part in any activities related to this institution. Therefore, I do not understand why this entry appears on my credit report, and I am requesting an immediate investigation into these accounts. I have also contacted ED Financial Services, and they provided me with incorrect addresses and phone numbers that do not match any of my records. 

I have never missed a payment on any of my accounts, and I am confident that this late payment entry is an error. Given the nature of this dispute and the discrepancies in the contact information provided by ED Financial Services, I respectfully request that you investigate this issue thoroughly. Furthermore, I expect that this incorrect information be removed from my credit report as soon as possible.Please provide me with written confirmation of your findings and the actions taken. If any additional information is required from my side, I would be happy to cooperate to resolve this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NV

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit. There are accounts on my credit report that do not belong to me, likely due to mixed or misreported information. These inaccuracies and mixed information are damaging my credit standing and raising serious concerns, especially given my ongoing issues with fraud and identity theft. This situation is not only frustrating but also a violation of my rights as a consumer, affecting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I have XXXX  day passed due remarks on my credit report. I have never made a payment past XXXX  days i have contacted the leasing company over XXXX times and noone has looked through my account and rectified the issue. 
Customer service is terrible and noone puts notes in the system. Everytime i call i have to explain myself because noone knows whats going on. Leasing with this company has been a complete nightmare. Also when i ask to speak with a supervisor im always told they are busy and will return my call and I never receive a call back!

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 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: DC

Complaint narrative:
I was scammed this morning by a caller who disguised himself as a representative from Discover Bank. He was able to access my personal information and account details and initiated a wire transfer draining my entire savings account in the amount of {$57000.00} within minutes. I received an email about suspicious account activity from Discover immediately AFTER the transfer had already been processed. I then reached out to Discover to explain what had happened, and they initiated a wire transfer recall with the recipient 's bank, who I found out was XXXX XXXX XXXX XXXX. I also contacted local authorities and FBI. The FBI agent requested I attempt to get the last XXXX digits of the recipient 's account number, but neither bank would disclose this information to me. My bank is also telling me that there is no guarantee my money will be recovered. I have been calling representatives and authorities the entire day with no immediate solution or reassurance about this situation. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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