vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Subject : Fraudulent Account Opened in My Name Urgent Request for Closure I began receiving multiple emails from Chime.com, notifying me that I had a new account. At first, I assumed these emails were phishing attempts or spam, and I ignored them. However, after receiving the fourth message, I became concerned that something was seriously wrong. 

I contacted Chimes customer service to investigate. During the call, I was shocked to learn that a bank account had indeed been opened in my namewithout my knowledge or consent. I informed the representative that this was clearly a case of identity theft and requested the account be closed immediately. 

To my frustration, I was told that the account could not be closed at that time. Despite confirming it was fraud, Chime did not take immediate action to resolve the issue or provide the support I expected in such a serious situation. 

This experience has left me feeling extremely unsettled, and I am now taking further steps to report the fraud and protect my identity. I urge Chime to take stronger measures to verify account openings and to act quickly when fraud is reported.

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: EQUIFAX, 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 - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED 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 These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXXXXXX XXXX XXXX XXXXXXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXXXXXX concerning inaccurate and unverified information being reported on my credit reports. 

Account Information : Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Issue : Recent late payment reported without proper notice or verification Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate and unverifiable information FCRA 609 ( a ) ( 1 ) : Failure to provide proper validation of the alleged late payment XXXXXXXX XXXX XXXX XXXXXXXX has reported a recent late payment on this account without providing me proper notice, verification, or signed documentation substantiating the delinquency. This reporting is harmful and 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 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under Gramm Leach Bliley ACT Consumer reporting agencies must comply with federal law under FCRA section 605B block information resulting of identity theft. FTC report attached including identifying information 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 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report.

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under Gramm Leach Bliley ACT Consumer reporting agencies must comply with federal law under FCRA section 605B block information resulting of identity theft. FTC report attached including identifying information 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
In response to a debt collection letter I received from Scott & Associates regarding an alleged debt of {$3100.00} on behalf of XXXX XXXX XXXX, I sent a formal debt validation request on XX/XX/year>. I followed up with a second, detailed validation request on XX/XX/year>, after receiving a vague response. My requests cited the Fair Debt Collection Practices Act and requested specific documentation : the original signed contract, proof of assignment/ownership, full payment history, licensing information for XXXX, and a XXXX  XXXX XXXX ( as document inconsistencies were noted ). 

On XX/XX/year>, Scott & Associates sent a response that failed to address any of these specific requests. They did not provide the documentation required to validate the debt and instead stated that they would continue collection efforts. 

This is a clear violation of the FDCPA, which prohibits continued collection without proper validation. At the time of this complaint, the debt is not listed on my credit report, but I am filing proactively due to the collectors stated intent to continue collection and the risk of unlawful credit reporting. 

I am requesting that this account not be reported to the credit bureaus, and that all collection activity be ceased until and unless proper validation is provided.

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: EQUIFAX, 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed inaccurate personal information listed under my file. Specifically, the report contains incorrect/misleading data such as outdated addresses, unauthorized addresses, or misspelled names that I have no connections.

This misinformation is affecting the accuracy of my credit report and may impact my ability to obtain credit or other financial services. According to the Fair Credit Reporting Act ( FCRA ), all inaccurate information must be removed from consumers report. 

Despite my good-faith efforts to resolve the matter directly, I have not received a timely or satisfactory response. Therefore, I am filing this complaint with the CFPB and requesting your assistance in ensuring that this inaccurate personal information is corrected or removed from my credit file.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. Under my rights established by the Fair Credit Reporting Act ( FCRA ), I am requesting a comprehensive investigation into these inaccuracies. 
I am also aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to conduct proper investigations into consumer disputes. According to the CFPB, these violations included : * Conducting inadequate investigations that failed to address consumer disputes properly. 
* Reintroducing previously disputed and inaccurate information without explanation. 
* Failing to provide clear notification of investigation results to consumers. 
These alarming allegations highlight systemic issues that threaten consumer protections. I am deeply concerned that my dispute XXXX be subject to similar mishandling. 
Disputed Information : XXXX. Incorrect Names : Multiple incorrect name variations reported ( e.g., XXXX XXXX, XXXX XXXX. XXXX ). 
XXXX. Incorrect Addresses : Addresses that are unknown to me and where I have never resided ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC ; XXXX XXXX XXXX, XXXX, NC ; XXXX XXXX XXXX, XXXX, NC ). 
XXXX. Incorrect Phone Numbers : Phone numbers that do not belong to me ( e.g., XXXX, XXXX ). 
XXXX. Unauthorized Inquiries : I have no knowledge of the following companies making credit inquiries : * 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Credit Accounts : Accounts reported that are unfamiliar or inaccurately reported : * 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 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: 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. Under my rights established by the Fair Credit Reporting Act ( FCRA ), I am requesting a comprehensive investigation into these inaccuracies. 
I am also aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to conduct proper investigations into consumer disputes. According to the CFPB, these violations included : * Conducting inadequate investigations that failed to address consumer disputes properly. 
* Reintroducing previously disputed and inaccurate information without explanation. 
* Failing to provide clear notification of investigation results to consumers. 
These alarming allegations highlight systemic issues that threaten consumer protections. I am deeply concerned that my dispute XXXX be subject to similar mishandling. 
Disputed Information : XXXX. Incorrect Names : Multiple incorrect name variations reported ( e.g., XXXX XXXX, XXXX XXXX. XXXX ). 
XXXX. Incorrect Addresses : Addresses that are unknown to me and where I have never resided ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC ; XXXX XXXX XXXX, XXXX, NC ; XXXX XXXX XXXX, XXXX, NC ). 
XXXX. Incorrect Phone Numbers : Phone numbers that do not belong to me ( e.g., XXXX, XXXX ). 
XXXX. Unauthorized Inquiries : I have no knowledge of the following companies making credit inquiries : * 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Credit Accounts : Accounts reported that are unfamiliar or inaccurately reported : * 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 2025-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance {$110.00}

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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance {$110.00}

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 2025-04-01 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: FL

Complaint narrative:
The account shows a positive payment history for multiple years then a sudden in accurate XXXX  day late payment in XXXX. This mistake in reporting has caused severe damage to my credit report. The account needs to be updated to " Pays as agreed Never Late ''

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Complaint Regarding Credit Card Features and Usage Restriction - Navy Federal Credit Union Dear Consumer Financial Protection Bureau, XX/XX/2025 @ XXXX I am writing to formally submit a complaint about Navy Federal Credit Union ( NFCU ) regarding a call @ or about XX/XX/2025 about XXXX the credit card I received from them and the restrictions imposed on its usage.

One of the key features promised with this credit card was that payments made directly from an NFCU account would post on the same day. This feature was important to me as it allowed me to manage my spending responsibly. I utilized this feature by paying off charges immediately after making them, ensuring I stayed within my budget and accounted for my expenses. However, despite adhering to this process, I have been prevented from using my credit card even though my account shows an available credit limit of {$320.00}. 

This restriction on my spending contradicts the terms under which the card was sold to me, causing inconvenience and frustration. I believe such practices are unfair to consumers and fail to honor the commitments NFCU made regarding the credit cards functionality and features. 

I kindly request the CFPBs assistance in addressing this matter. I would like to understand why NFCU has imposed this restriction and ask that they restore the functionality of my credit card to reflect the promised features. Moreover, I seek assurance that such issues will not recur for me or other NFCU customers. 

Thank you for your time and attention to this complaint. I appreciate the CFPBs efforts in ensuring fairness and accountability in the financial sector.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I faxed a notice requesting XXXX XXXX to update credit reports pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ) within three ( 3 ) days from receipt of notice. XXXX XXXX XXXX has not yet complied. On XX/XX/XXXX I sent a XXXX Official Notice : Demand to Correct Credit Report Pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 2 ), via USPS Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX, a demand to immediate correct inaccurate account reporting to TransUnion XXXX XXXX, and XXXX credit reports. Specifically, account 's Monthly Payment, Balance, Date Updated, Payment Received, Last Payment Made and Terms that have not been updated with TransUnion, XXXX or XXXX since XX/XX/XXXX. As a result, the information currently being reported is inaccurate, which is causing me harm.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with explanation