vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: AL

Complaint narrative:
XXXX XXXX XXXX {$13000.00} XXXX XXXX Student loans XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX have accessed my credit file XXXX XXXX removal dare XX/XX/XXXX Have no knowledge of them. All Student loans have been forgiven because of my total XXXX. I have my letter to prove it. 
I have XXXX open accounts.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company unknowingly closed down my bank accounts after me sending in PROOF that the work check that I deposited was EXPIRED and not a fraudulent check. I have NEVER done fraud in my life. I used Navy Federal as my primary bank for the last 10-15 years. I attempted to cash my work check, after the check had cleared - I used the funds. DAYS LETTER I try to log into my Navy Federal account and see that I do not have access. After calling, I was told that my account was restricted due to a check. After explaining that I had a work check that I tried to cash and SHOWED THEM PROOF OF MY EMPLOYER ACCEPTING RESPONSIBILITY AND REISSUING THE CHECK AND STATING THEY WILL COVER THE OVER DRAFT FEES. Navy Federal still chose to disregard the facts.

Discrimination

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute an account that was opened in my name with your institution. I received a credit card issued to an address where I have never resided. I request that you thoroughly investigate this matter and correct any inaccuracies related to this account.

The specific account in question is [ Account Number/Last Four Digits of Account ], which was sent to an address at [ Address Where Card Was Sent ], where I have never lived. This is a case of identity error or fraud, and I strongly believe that this account has been opened without my authorization or knowledge. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), you are required to maintain
reasonable procedures to ensure the accuracy of information reported about consumers. Additionally, 15 U.S.C. 1681i ( a ) provides that when a consumer disputes the accuracy of information, the credit reporting agency must investigate the issue within a reasonable time and correct any errors found.

Therefore, I am requesting the following actions : 1. A thorough investigation into how this account was opened and sent to an address I never resided at.

2. Immediate correction or removal of the account from my credit history if found to be incorrect or fraudulent.

3. A written confirmation once this investigation has been completed and the matter resolved.

Please provide any documentation related to the opening of this account, including the application and address verification details.

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 
XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccuracy XXXXXXXX XXXX account with account # XXXX XXXX account with account # XXXXXXXX XXXX XXXX account with account # XXXXXXXX XXXX XXXX account with account XXXX XXXX XXXX XXXX XXXX account with account XXXX XXXX XXXX XXXX XXXXXXXX account with account # XXXX, XXXX account with account # XXXX, XXXX - XXXX account with account # XXXXXXXX XXXX XXXX account with account # XXXX, XXXX XXXX account with account # XXXX, XXXX XXXX with account # XXXXXXXX XXXX XXXX Installment account with account # XXXXXXXX XXXX XXXX account with account # XXXX and Collection account from XXXX XXXX  with account # 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
This complaint is regarding Blitt and Gaines, P.C., legal counsel for XXXX XXXX XXXXXXXX, in an ongoing debt collection lawsuit. 

On XX/XX/year>, Blitt and Gaines submitted a written response to a prior CFPB complaint, stating that XXXX is an accounts receivable management organization that provides services to XXXX 

However, on XX/XX/year>, Blitt and Gaines was served with a formal Motion to Dismiss for Lack of Standing and Fraud, which included as an exhibit XXXX active debt collection license, issued by the Illinois Department of Financial and Professional Regulation ( IDFPR ). 

Despite receiving this documentation, Blitt and Gaines continued to maintain to the CFPB that XXXX is not a debt collector and has no direct role in the handling of the alleged account, merely stating that it provides services to XXXX. 

This is materially falseXXXX XXXX XXXX XXXXXXXX own Fraud Department confirmed in a recorded phone call on XX/XX/year>, that XXXX controls all fraud claims and balance reversions related to this account not XXXX XXXX XXXXXXXX directly. 

-- - As a result, Blitt and Gaines has : Provided false information to a federal agency ( CFPB ) Misrepresented the true nature of XXXX legal role and licensing Continued to prosecute a court case using misleading and fraudulent documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates falsely tried to validate a debt that they are saying I owe. They did not validate the debt. They just copied some papers and sent them to me as validation. They are also reporting non validated debts to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: FL

Complaint narrative:
I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report.

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These errors violate FCRA Section 605B, which allows for the blocking of inaccurate or fraudulent information. Despite providing documentation, Experian has not resolved these issues, which are negatively impacting my credit.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/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 2025-04-01 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: Chime Financial Inc
State: AR

Complaint narrative:
My chime card was stolen and funds taken from my account without my consent or knowledge of it. I filed a police report with law enforcement, and I am contacting the company about filing a dispute. I am writing this complaint because of past experience with this company have not bein pleasant. I ask that this situation be governed due to constructive fraud being caused by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/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 2025-04-01 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: TX

Complaint narrative:
I have reached out to all credit bureaus for the last few years requesting proof of information. I have NEVER received one response in the mail. EVER! The false information being reported is now affecting myself and my daughter 's life.

PLEASE REMOVE ASAP!

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report.

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing a formal complaint against Equifax for failing to provide me with access to my credit report through Equifax.com and third-party services, including XXXX and XXXX. Despite multiple attempts to resolve this issue, my access remains blocked, preventing me from reviewing or monitoring my credit history.

I have taken all necessary steps to verify my identity and follow XXXX procedures, yet I continue to experience these restrictions. This lack of access is significantly impacting my ability to manage my credit profile and ensure accuracy in my reports.

I request immediate action to : 1. Remove any blocks or restrictions preventing me from accessing my Equifax credit report. 
XXXX. Ensure third-party services such as XXXX and XXXX can retrieve my Equifax file .

3. Provide confirmation of resolution within a reasonable timeframe.

If this matter is not addressed promptly, I will be left with no choice but to pursue legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). This serves as the final notification before legal proceedings commence. 

I appreciate your swift attention to this matter. Please provide a response at your earliest convenience. Ive been calling for months now, complied with every request made and I am tired of this lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
These accounts have resulted in fraudulent FICO score reductions, fraudulent hard inquiries appearing on my consumer credit report, and fraudulent reporting to my consumer file. 

I have attached a redacted and notarized police report as well as a copy of the FTC Identity Theft Affidavit with this complaint. Given the fraudulent nature of these accounts, I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to all credit bureaus for the last few years requesting proof of information. I have NEVER received one response in the mail. EVER! The false information being reported is now affecting myself and my daughter 's life.

PLEASE REMOVE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to all credit bureaus for the last few years requesting proof of information. I have NEVER received one response in the mail. EVER! The false information being reported is now affecting myself and my daughter 's life.

PLEASE REMOVE ASAP!

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