vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
A credit card account opened at XXXX on XX/XX/XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, Navy Federal Credit Union opened XXXX XXXX sales contract accounts opened at XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All are the result of identity theft. I have attached FTC Identity Theft Report # XXXX confirming this fraud. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 recently reviewed my credit reports and noticed fraudulent accounts on them. Please remove all fraudulent accounts. These fraudulent accounts are hurting my ability to obtain credit. 

Thank you.

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 2025-08-03 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: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX LA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding my ongoing difficulty in opening a bank account due to identity theft. Despite being a victim and taking all the appropriate steps to report and resolve the issue, I continue to face significant barriers with banks and credit unions denying my applications. 

My personal information was used fraudulently to open accounts that resulted in negative reports being shared with consumer reporting agencies, such as XXXX XXXX XXXX XXXX XXXX XXXX  ), and the credit bureaus. These accounts do not belong to me and were created without my knowledge or consent. 

I have already submitted fraud and identity theft reports to the Federal Trade Commission ( FTC ) and local law enforcement. I have also contacted the consumer reporting agencies to place fraud alerts and request corrections. However, I continue to be unfairly penalized and prevented from accessing basic financial services like checking or savings accounts. 

I am requesting the CFPB to investigate these practices and assist in ensuring the removal of fraudulent entries that are impeding my ability to open and maintain a bank account. 

Please let me know if further documentation is required. I am prepared to submit police reports, FTC identity theft reports, dispute letters, and any other evidence that supports my case. 

Sincerely, 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
I previously filed a certified dispute with TransUnion on XX/XX/XXXX and a followup on XX/XX/XXXX, regarding both inaccurate tradeline dates and unauthorized hard inquiries. I received only a generic outcome stating the items were verified '', with no documentation, no furnisher information, and no updated consumer report, all of which are required under FCRA 1681i ( a ) ( 6 ). Certified Receipt # XXXX Within 30 days ( XX/XX/2025 ) TransUnion responded by sending me a copy of my report, saying information verified. No documentation was provided. I received neither the name, address, or phone number of the furnisher, nor a free updated credit report, which is mandatory by1681i ( a ) ( 6 ). 

On XXXX, I mailed a second certified follow-up letter # XXXX to TransUnion demanding, again within 10 business days : Written results showing if each account and inquiry was verified or deleted, Furnisher contact info used in the verification and an updated credit report reflecting corrections or deletions As of today, TransUnion has not complied. Ive received no further explanation, documentation, or report update.

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 2025-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pollack & Rosen, P.A.
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding the predatory and deceptive debt collection practices employed by Pollack and Rosen, P.A., acting on behalf of XXXX XXXX . These actions include failure to notify methe primary borrowerwhile simultaneously contacting and intimidating my co-signer, who is a chronically ill individual. 

Background : I am currently enrolled in school and have submitted multiple deferment forms to XXXX XXXX, including a clerkship deferment form as recently as [ insert most recent submission date ]. 
Despite being the borrower, I was not sent any official notice of default or debt collection from Pollack and Rosen.

Instead, Pollack and Rosen sent direct correspondence solely to my co-signer, who is XXXX and XXXX XXXX, in what appears to be a targeted and coercive tactic to pressure payment outside of protocol and due process. 

Violations and Concerns : 1. Failure to Notify the Borrower First I, as the borrower, have the right to be notified before any debt collection actions involve third parties or co-signers. This failure is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and borders on willful deception.

2. Targeting a Vulnerable Individual My co-signer is XXXX  XXXX and currently experiencing chronic illness. Contacting her directly, without first engaging me as the responsible borrower, constitutes an abuse of power and predatory practiceespecially as XXXX XXXX was fully aware of my current academic status and deferment requests. 

3. Ongoing Eligibility for Deferment I am still enrolled in school and awaiting final board review in XX/XX/2025. XXXX XXXX was made aware of this and was also provided supporting documentation and deferment forms. The escalation to collections, without proper review or response to my deferment requests, is improper, premature, and damaging. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
Those are not my debt. I am a victim of identity theft.

These account were opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of these fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed.

Please delete these account and confirm in writing.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
A transaction under {$200.00} was returned due to insufficient funds. On XX/XX/year>, Fifth Third Bank, with whom Ive been a customer for over 25 years charged my XXXX an overdraft fee of {$110.00}. When I contacted the agent via customer service chat, I was told they would not adjust or reverse my fee. This one time fee appears extremely excessive and I thought the CFPB capped overnight fees at {$5.00}???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Medicredit regarding multiple violations of federal and state laws related to debt collection and medical billing practices.

On multiple occasions, I have submitted a written request to Medicredit demanding validation and verification of an alleged debt, as afforded to me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite this, Medicredit has continued to send collection letters and place calls to me in direct violation of 1692g ( b ), which clearly states that debt collectors must cease collection efforts until the requested validation is provided.

Instead of validating the debt, Medicredit only issued a summary statement of charges, which does not fulfill the legal requirement for debt verification. A proper response must include itemized billing details, the name and contact information of the original creditor, and documentation proving that I am legally obligated to pay the debt in question.

Further, I reviewed the billing documents and discovered that a trauma charge was submitted to my insurance, even though I was never treated as a trauma patient. This constitutes upcoding, which is a serious violation of : The False Claims Act ( 31 U.S.C. 3729 3733 ), as it involves submitting inaccurate medical codes to receive inflated reimbursement from insurance carriers.

The Health Insurance Portability and Accountability Act ( HIPAA ), 42 U.S.C. 1320d6, which includes provisions against healthcare fraud.

Additionally, this practice may violate state consumer protection laws and insurance fraud statutes, depending on jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 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: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 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: FL

Complaint narrative:
To Whom It May Concern, This is a sworn affidavit and formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g. I am demanding an immediate investigation and deletion of the following negative accounts that are inaccurately, unverifiably, or unlawfully reported in violation of FCRA and Metro 2.

Violations include : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 USC 1681i : Failure to reasonably reinvestigate disputed information.

15 USC 1681c ( a ) ( 4 ) : Reporting obsolete accounts past 7 years from Date of First Delinquency ( DOFD ).

15 USC 1692g : Failure to provide proper debt validation documentation upon request.

Metro 2 Reporting Standards : Failure to report account closures, balances, and charge-offs properly. 


Disputed Accounts : XXXX. XXXX XXXX XXXX ( * XXXX ) XXXX reported. No signed validation. Inconsistent DoFD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian shows {$1800.00}. No match to Equifax. No proper charge-off validation. 
XXXX XXXX XXXX XXXX XXXX accounts ) XXXX and XXXX accounts over XXXX XXXX XXXX. Still updating monthly. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian shows {$780.00}. Balance conflicts with Equifax. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Late mark in XX/XX/XXXX. Experian shows {$400.00}. No supporting documents. 
XXXX. XXXX XXXX ( XXXX XXXX ) Possible re-aging. Discrepant status with Equifax. 
XXXX XXXX XXXX XXXX Reporting deferment with unclear status and inconsistent balances.

Pursuant to 15 USC 1681i ( a ) ( 5 ) ( A ), if you can not verify these accounts through signed contracts, original creditor documentation, and accurate payment histories within 30 days, you are required by law to delete them in full. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action under 15 USC 1681n for willful noncompliance.

Send investigation results, documentation, and updated credit reports to my address above or to my email on 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 2025-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was scammed through XXXXXXXX XXXX in the year XXXX  and was called today XX/XX/XXXX @ XXXX stating that they are Bank of America and reminded me of the {$2500.00} that they scammed me for stating that they were a loan company the phone number they used was XXXX and the say person called me again and XXXXXXXX XXXX said that they called and pretending that they were me and asking for disputing money back that I had paid my rent, car payment, and car insurance

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 2025-08-03 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 have XXXX separate addresses on my Experian fico credit report that do not belong to me.The aforementioned addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 addresses are the result of identity theft.

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 2025-08-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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