vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
regarding unauthorized transactions on my checking account totaling {$16000.00} between XX/XX/XXXX and XX/XX/year>, and the banks repeated denial of my fraud claims. 

I first noticed the unauthorized transactions via fraud alert text messages from Chase. On XX/XX/year>, I visited a Chase branch, where a teller and I called the fraud team and filed a claim for {$3400.00} ( Reference # XXXX ). The bank closed my account and opened a new one. On XX/XX/year>, I returned to the branch to check my account, as I lack online access, and discovered additional unauthorized transactions. The teller instructed me that I needed to make an appointment, The next available appoint was on XX/XX/year>. On XX/XX/XXXX, I was informed the {$3400.00} claim was denied for no suspicious activity. And that they could not further help me. With my daughters assistance, I called the chase fraud team, filed a new claim for {$12000.00} that I was aware of on XX/XX/XXXX ( Reference # XXXX ), and spoke to a supervisor who reopened the {$3400.00} claim. On XX/XX/year>, a Chase fraud supervisor informed us both claims were again denied for no suspicious activity.But they did approve the XXXX, and debit card transactions. 

The unauthorized transactions, totaling {$16000.00}, include : - XX/XX/year> : Seventeen online payments to XXXX XXXX for {$200.00} each ( {$3400.00} ). 
- XX/XX/year> : XXXX online payments to XXXX XXXX for {$4400.00}, {$4000.00}, {$2500.00}, {$1000.00}, and {$500.00} ( {$12000.00} ). 
- XX/XX/year> : XXXX payment to XXXX for {$1.00}. 
- XX/XX/year> : Debit card charge to XXXX XXXXXXXX XXXX, XXXX, NY for {$51.00} ; XXXX payment to XXXX XXXX for {$1.00}. 
- XX/XX/year> : XXXX debit card charges to XXXX XXXX for {$98.00}, {$98.00}, {$98.00}, and {$98.00} ( {$390.00} ) ; XXXX credits from XXXX XXXX XXXX ( {$80.00} ) and XXXX XXXX ( {$130.00} ). 
- XX/XX/year> : Two debit card charges to XXXX XXXX for {$98.00} each ( {$190.00} ) ; XXXX credit from XXXX XXXX XXXX ( {$200.00} ) ; XXXX debit to unknown recipient for {$200.00}. 

These transactions were not authorized by me, and I have no knowledge of the recipients or services involved. Despite my prompt reporting and multiple attempts to resolve this with Chase, they have failed to refund the charges or adequately investigate. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Contacted Capitol One around XX/XX/XXXX to inform about additional fraudulent charges on my XXXX statement after noticing on my statements just a week prior to the initial call. The representative took my claim and stated that Capitol One would look into the matter. On XX/XX/XXXX noticed that the charges were still on my account totaling {$750.00}, again I contacted Capitol One and told by a different representative that since the charges ( XX/XX/XXXX of {$420.00}, XXXX XXXX, XXXX of {$100.00}, XXXX XXXX, XXXX of {$11.00}, XXXX XXXX, XXXX of {$73.00}, XXXX XXXX, XXXX of {$9.00}, XXXX XXXX, XXXX of {$62.00}, XXXX XXXX, XXXX of {$4.00}, and XXXX XXXX, XXXX of {$58.00} ) were over 60 days that Capitol One would not credit back my account. Representative went on to say that consumers have been provided such information. As a customer of Capitol One, I have never seen such statement nor provided such information. I received two different messages from company representatives. I understood that the first representative took my claim to report fraudulent charges and nothing has been done to credit back charges. I am a longtime customer who has always paid on time and shocked that Capitol One does not support their customer. There was a recent report where inside person ( s ) fraudulently used customers ' accounts. Hopefully, I am not one of those customers yet I am requesting that Capitol One remove fraudulent charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be updated. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, XXXX, and TransUnion credit bureaus update all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be updated. from my credit report below. 

XXXX XXXX XXXX XXXX OPEN {$0.00}

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
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT COLLECTION/CHARGE-OFF ACCOUNTS To Whom It May Concern, I am writing to formally dispute the collection/charge-off accounts appearing on my credit report, which are directly tied to the National Public Data Social Security Number Breach. These accounts are fraudulent, and I demand their immediate removal from all credit reporting agencies. 

The accounts in question are : XXXX XXXX ( Account Number : XXXX * * * * ) XXXX  ( Account Number : XXXX * * * * ) XXXX ( Account Number : XXXX * * * * ) XXXX ( Account Number : XXXX * * * * ) XXXX ( Account Number : XXXX * * * * )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-14 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-14 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: NJ

Complaint narrative:
These are not my accounts. Please remove them from my credit report.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I had 3 accounts with Portfolio Recovery Associates. I called them to settle the accounts and we came to an agreement. They stated that if I made a 1 time payment for said amount the account would settled in full and they would notify the credit bureau to remove it off my credit report. I settled 2 accounts with a 1 time payment and set the other account up on a payment arrangement. The account with the payment arrangement would be made in 3 payments, they stated. I received a letter in the mail showing the accounts not paid in full, rather payments made and stating I owe a remaining balance. The account that was set up on a payment arrangement actually shows 4 payments. Which is 1 more payment I did not agree to. I also looked on my credit report and 2 accounts are showing past due balances when they should show settled and closed. The amounts due are what they supposed waived in the settlement. The account set up on a payment arrangement is not even reflecting the first payment I had made. This is NOT what I agreed to. I agreed to a one time payment on 2 accounts to settle them, and to show as paid and closed on my credit report. I agreed to make 3 payments on another account, not 4!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion Customer Service, My credit report indicates a collection account from XXXX XXXX, which is inaccurately reported or not in sync with the information provided by other major credit reporting agencies, such as XXXX  and XXXX. An accurate credit history is crucial for my credit file, and this entry does not reflect the current status of my credit report. I have spoken with the collection agencies regarding my account. They confirmed that the latest updates to all three credit reporting agencies were notified. However, I have noticed that my report on TransUnion has not been updated like it has with the other reporting agencies. This is very harmful to me and my creditworthiness. The reporting of these items in violation of these codes : FCRA Section 607 ( 15 U.S.C. 1681e ), FCRA Section 609 ( 15 U.S.C. 1681g ), and FCRA Section 611 ( 15 U.S.C. 1681i ). Thank you for your prompt attention to this urgent matter. I look forward to your response and resolution. 
Also, certified letters were sent to address the issue.

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 2025-05-14 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: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I disputed a Dept. of Education/Nelnet student loan tradeline on my TXXXX  credit report due to an inaccurate classification. I did not dispute the existence of the debt, but I noticed the account appeared to carry a military-related designation, which is incorrect I am not, and have never been, affiliated with the military. XXXX initially deleted the tradeline as a result of that dispute. However, in XX/XX/year>, the account was reinserted with no correction and without clear documentation of the classification. 

I requested verification of the deferment or status code used, and I asked both XXXX and Nelnet to correct or remove any military-related classification. Neither party provided the requested documentation or corrected the misclassification. This status remains inaccurate and misleading on my credit report. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), if a data furnisher fails to verify disputed information, the item must be deleted. Because Nelnet did not provide verification and TransUnion failed to ensure the classification was accurate, I am requesting that the tradeline be fully removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I am filling to dispute and request corrections to the following inaccuracies found in my account records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 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: OR

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-14 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: OR

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-14 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: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. The account appears on my credit report with inaccurate or unverified information. I have not received proper debt validation under the Fair Debt Collection Practices Act. Inconsistencies exist in the reporting, and the balance or agency information may be incorrect. I am requesting that this account be fully investigated and removed if it can not be verified and documented properly. This entry is harming my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I Recently pulled my credit card, and, noticed, that, Negative information are being reported by your Companya CHEXSYSTEMS.

PLEASE. DELETE. 
THEY ARE FRAUDULENT.

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