vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received a letter that someone deposited a check into a bank of america account under my name. I do not have bank of america. Also got sent a card 1-2 weeks that i never activated because I know I dont have an account with them.

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 2025-08-16 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent activity on it. Under the ( FCRA ) 15 U.S.C. 1681c-2 i am exercising my right to request a deletion of any information on my credit report that is not mine

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 2025-08-16 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 recently reviewed a copy of my credit report and noticed I had fraudulent activity on it. Under the ( FCRA ) 15 U.S.C. 1681c-2 i am exercising my right to request a deletion of any information on my credit report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
Experian failed to investigate my disputes about XXXX loans from XXXX, and XXXX credit card balance from XXXX XXXX. They responded 2 days after with information verified and I have included the proof of their reporting and from the furnisher of the information websites.

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 2025-08-17 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
While I was XXXX XXXX from XXXX to XXXX several accounts was opened up in my name. Navy Federal Credit Union Credit card NAVY FCU XXXX being one account as well as others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ] regarding the alleged debt with the account number referenced above. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.

3. Proof that you are legally authorized to collect on this debt.

4. A copy of the original signed agreement that created the debt.

Be advised that until you provide proper validation, you must cease all collection activity, including reporting this debt to any credit bureau. If you have already reported it, please notify the credit bureaus to which it was reported that the debt is disputed.

I also request that you do not contact me by phone. All communication should be in writing and sent to the address listed above.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Under 15 U.S.C. 6801 & 6802 of the Gramm-Leach-Bliley Act ( GLBA ), you are legally obligated to protect the privacy of my financial information and ensure that my personal data is not misused or improperly shared. 
Violation of 15 U.S.C. 6801 ( Protection of Nonpublic Personal Information ) This law requires financial institutions to safeguard consumer records and prevent unauthorized access. 
If my information has been reported inaccurately, without my authorization, or in a manner that does not comply with federal privacy standards, this is a direct violation. 
Violation of 15 U.S.C. 6802 ( Obligations to Disclose and Obtain Consent ) This section mandates that you must obtain my explicit consent before sharing my nonpublic personal financial information with third parties. 
If my account ( s ) have been reported without my permission or under unlawful conditions, this is a clear breach of my consumer rights. 

Disputed Accounts : Name of Account : XXXX XXXX Account # : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Charged-Off {$11000.00} written off, {$11000.00} past due as of XX/XX/XXXX This account was charged off on the following date [ Charged-Off {$11000.00} written off, {$11000.00} past due as of XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following 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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
Over the years I had multiple deposits withheld and had to send proof week after week to get my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-08-17 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: Global Lending Services LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, GLOBAL LENDING SERVICES has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NM

Complaint narrative:
YOUR COMPLAINT Complaint Description : I am writing to file a complaint regarding my experience as a victim of identity theft between XXXX XXXX XXXX  and the subsequent difficulties I have faced in resolving related issues with my checking account and credit card payment. Background : I became a victim of identity theft, which led to fraudulent activity in my checking account. As a result, my checking account was closed, and I was forced to open a new one. Despite my efforts to resolve the situation with the bank and notify the necessary parties, the impact on my credit continued to worsen. Credit Card XXXX XXXX : After my account was closed, I had a new account set up. However, my credit card company was unable to process a payment because of the changes to my account information, and I ended up with a payment that was more than XXXX  days late. I immediately explained this situation to the company, along with the fact that the late payment was directly caused by the identity theft and the account transition. Despite my explanation and supporting documentation ( such as police reports, proof of identity theft, and account statements ), the credit card company refused to remove the late payment from my credit report. XXXX with Credit Bureaus : I also reached out to the credit bureaus to explain the situation, providing all relevant documentation that demonstrated the late payment was due to circumstances beyond my control. Unfortunately, the credit bureaus have declined to remove the late payment from my credit report, despite my efforts to have them understand that this issue arose due to identity theft and the resulting complications. Attached Documents : Please see attached documents for a full description of the situation, including : A letter I submitted to the credit bureaus, Proof of identity theft, and A statement from XXXX XXXX  regarding my credit card accounts. XXXX XXXX XXXX XXXX  ACCOUNT : XXXX XXXX  XXXX  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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One reported a late payment on my account in XX/XX/year>. In their response, they claim I was enrolled in paperless billing on XX/XX/year>, and that I should have had electronic access to statements. However, that enrollment happened after the XX/XX/year> late payment. Their explanation does not apply to the timeframe in question. I am asking that they re-investigate and provide proof that I received billing statements or notices prior to XX/XX/year>, or else remove the inaccurate late payment from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I tried calling these credit furnishers XXXX XXXX XXXX XXXX. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the XXXX files for these charged off accounts for tax purposes with the XXXX. I should have received copies since it has been written off by their companies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account # XXXXXXXX XXXX XXXX  ( Equifax ) Subject : Request for Investigation & Deletion of Inaccurate Account # XXXXXXXX XXXX XXXX Dear [ Bureau ], I am disputing the accuracy of the following tradeline * Account Number : XXXXXXXX XXXX XXXX XXXX  Reported By : [ Equifax ] XXXX  Status : Derogatory This entry is inaccurate, unverifiable, and harmful to my credit standing. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days. If the creditor can not produce full validation including the signed original contract and a complete payment history then this item must be deleted. 
Further, if this account is older than 7 years, it violates 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ), which prohibits reporting adverse information beyond the statutory limit.

Please conduct your investigation, delete this tradeline if unverifiable, and provide an updated report. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
Experian is willfully reporting alleged debts that originate from third-party debt collectors and charge-off accounts without verifying lawful ownership, assignment, or the chain of title per FCRA 609 ( a ) ( 1 ) and 611. 

Specifically, Experian is furnishing tradelines from non-original creditors, which constitutes a novation violation the legal transfer of obligation is incomplete without my express consent or signature, which does not exist. 

Under the FCRA and 15 USC 1681, reporting unvalidated accounts with no original agreement, contract, or notarized affidavit amounts to defamation of credit and furnishing inaccurate information. 

Additionally, charged-off accounts are being reported without validating whether the reporting entity retains legal claim a clear breach if the debt was sold or settled. These should be deleted, not passed around like currency. 

Experian is complicit in circulating fraudulent data without performing its legal duty to investigate or demand original documentation from furnishers.

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 2025-08-17 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$8900.00} Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3000.00} Account # : XXXX Date Opened : XX/XX/XXXX XXXX Reported Balance : {$4200.00} Account # : XXXX Date Opened : XX/XX/XXXX, Reported Balance : {$3000.00}

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 2025-08-17 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:
XXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$8900.00} Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3000.00} Account # : XXXX Date Opened : XX/XX/XXXX XXXX Reported Balance : {$4200.00} Account # : XXXX Date Opened : XX/XX/XXXX, Reported Balance : {$3000.00}

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 non-monetary relief
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$8900.00} Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3000.00} Account # : XXXX Date Opened : XX/XX/XXXX XXXX Reported Balance : {$4200.00} Account # : XXXX Date Opened : XX/XX/XXXX, Reported Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these fraudulent inquiries as it is hurting me and my family.

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 2025-08-17 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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  has violated my rights, XXXX XXXX XXXX  Section XXXX A, States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX acquisition of location information by debt XXXX. 
I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-08-17 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:
In accordance with the Fair Credit Reporting act XXXX, XXXX CARD has violated my rights, XXXX XXXX XXXXXXXX Section XXXX A, States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX acquisition of location information by debt XXXX. 
I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-08-17 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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