vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting me.

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 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IA

Complaint narrative:
This law office sent me a cure. I called offered {$25.00} every two weeks which is all I can afford right now, they said no nothing less then {$200.00} and said they will continue to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB against XXXX, Transunion and XXXX because I have sent letters to them on several occasions asking them to valid bankruptcies that are on my credit profile and they do not respond. So on XX/XX/year> I filed a complaint with the CFPB and alone with the complaint I send a letter and passport, current utility bill as well as my social security card signed and I just got a letter from Transunion and XXXX stating that my proof of residence was unacceptable and my social security card was invalid. Which is untrue. 
Transunion 's file # XXXX and XXXX didn't have a case # or a file number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB against XXXX, Transunion and XXXX because I have sent letters to them on several occasions asking them to valid bankruptcies that are on my credit profile and they do not respond. So on XX/XX/year> I filed a complaint with the CFPB and alone with the complaint I send a letter and passport, current utility bill as well as my social security card signed and I just got a letter from Transunion and XXXX stating that my proof of residence was unacceptable and my social security card was invalid. Which is untrue. 
Transunion 's file # XXXX and XXXX didn't have a case # or a file number

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 2025-03-26 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I was on vacation and I was trying to use my debit card but it kept declining I called the bank and they said that my account was closed because of fraud and I could not appeal this decision a I had not committed any fraud and I have no bank account now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: CO

Complaint narrative:
I received an offer from KeyBank in the mail to open a checking account, so on XX/XX/XXXX, I visited the branch in XXXX to take advantage of the offer. However, the mailer addressed me by my maiden name, which I mentioned to the account representative. She informed me that she couldnt proceed with the account opening because the names didnt match. I explained that I could provide any documentation needed to verify my identity, but she still declined to move forward. 

I asked if there was any other way to resolve the issue, and she said she would make a call to seek guidance. After speaking with someone, she told me that they could submit an escalation, but it would take XXXX hours to process. I agreed to this, but she then informed me that I would not be eligible for the new account bonus because the offer would have expired by then. 

I requested to speak with a XXXX, and the representative spoke with her supervisor. Upon returning, she told me that the XXXX said the escalation process could take up to 5 days due to my information not being in the system. I again asked if they would honor the offer, as I was in the branch before the offer expired on XX/XX/year>, but she confirmed that they would not. 

I felt this situation was unfair and discriminatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary stress, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting me.

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received an email saying my account was set up around XXXX XXXX  a few hours later my password was changed for set account through the company and then a debit card was being shipped to a location in a different state. I do not have an account with this company nor have I ever did, I didnt even know they existed Reached out to the company and had my email removed and phone number because it obviously wasnt me. The name used an address on the account was different when they told me my information that was mine would be removed from the account in XXXX to XXXX business days I said the whole account should be shut down because this seems fraudulent to me that my phone number email was used an address somebody elses name and all I was told was I was cut off in the middle of it. OK thank you very much bye and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
Hi my name is XXXX XXXX XXXX and i hereby submit this affidavit to formally report and dispute inaccurate, fraudulent, and unauthorized information appearing on my credit report. These discrepancies have caused substantial harm to my financial standing, misrepresenting my personal and financial data while unlawfully benefiting unauthorized parties. I affirm that the statements made herein are true and accurate to the best of my knowledge and belief. 


I have received no notice and have given no consent for the reporting or release of my personal information. This dispute is submitted in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to these companies, and their actions constitute a clear violation of my privacy rights. These entities have no legal grounds to report any information under my name.

Furthermore, my credit report contains unauthorized inquiries that I did not initiate. Under 18 U.S.C. 1028, unauthorized credit inquiries are classified as identity theft. As such, I consider these inquiries a clear case of identity theft and demand their immediate removal from my credit report.

Additionally, I do not authorize the disclosure or inclusion of these private accounts in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal i
nformation by federal agencies, I have the right to control how my personal information is used and disclosed. The unauthorized reporting of these accounts is a direct violation of my rights under this Act.

Further, 15 U.S.C. 6802, 16 CFR 433.1, and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. The reporting of inaccurate and unauthorized information violates these protections.

Finally, pursuant to 18 U.S.C. 8, I do not owe any debt to these entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
Hi my name is XXXX XXXX XXXX and i hereby submit this affidavit to formally report and dispute inaccurate, fraudulent, and unauthorized information appearing on my credit report. These discrepancies have caused substantial harm to my financial standing, misrepresenting my personal and financial data while unlawfully benefiting unauthorized parties. I affirm that the statements made herein are true and accurate to the best of my knowledge and belief. 


I have received no notice and have given no consent for the reporting or release of my personal information. This dispute is submitted in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to these companies, and their actions constitute a clear violation of my privacy rights. These entities have no legal grounds to report any information under my name.

Furthermore, my credit report contains unauthorized inquiries that I did not initiate. Under 18 U.S.C. 1028, unauthorized credit inquiries are classified as identity theft. As such, I consider these inquiries a clear case of identity theft and demand their immediate removal from my credit report.

Additionally, I do not authorize the disclosure or inclusion of these private accounts in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal i
nformation by federal agencies, I have the right to control how my personal information is used and disclosed. The unauthorized reporting of these accounts is a direct violation of my rights under this Act.

Further, 15 U.S.C. 6802, 16 CFR 433.1, and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. The reporting of inaccurate and unauthorized information violates these protections.

Finally, pursuant to 18 U.S.C. 8, I do not owe any debt to these entities.

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 2025-03-26 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: TX

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I can not log into my credit karma XXXX account to access my income tax return funds. I have tried every route, and even contacted customer service. Each time I am connected to an online agent, they immediately leave and I am put on hold and being transferred for hours. There is no way to contact and receive help. I have access to my email account and Ive verified my identity and updated my password, but once I get past all that it takes me back to login and continues to ask for a code sent to my phone number which I never receive. it asks for my number each time, and sometimes it says it is unable to send it to my number at all or that there is an error. I cant get into my account at all, it seems, without the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am Writing this letter due to a number of actions that you have taken that have completely disregarded my rights under FCRA, and FDCPA in which you have the legal duty to comply. What was previously sent to me is not everything i am requesting and required by law that you provide.

Under the Fair Debt Collection Practices Act ( FDCPA ), Texas Finance Code, Chapter 392 ( Texas Debt Collection Act ), and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the following documentation to validate this debt and prove your legal right to collect it : Proof of Debt : Please provide a complete copy of the original signed agreement or contract that shows I am legally obligated to pay this debt. If the debt relates to a credit card or loan, provide the relevant terms and conditions and a copy of the account application.

Account Statements : Provide a complete account history, including itemized statements that show the amount owed, charges, payments, interest, fees, and any adjustments.

Proof of Transfer or Ownership : If this debt has been sold or assigned to your agency or company, please provide documentation that shows you have the legal right to collect this debt, such as a bill of sale, assignment agreement, or any other documents that prove the transfer of ownership of the debt from the original creditor to your company.

Verification of Debt : If applicable, provide proof of the chain of custody or any records that show the debt has been transferred or purchased by your company. If you are collecting on behalf of the original creditor, provide documentation showing you have been legally assigned this right.

Original Creditor 's Information : Please provide the name, address, and contact details of the original creditor to whom the debt was owed.

Right to Dispute : As required by the FDCPA, please acknowledge my right to dispute the debt, and inform me that you must cease all collection activities until you provide the requested documentation.

In accordance with the Fair Debt Collection Practices Act, I request that you stop all collection activities, including reporting this debt to credit bureaus, until this debt is fully validated. Additionally, under the Fair Credit Reporting Act, if you are unable to verify this debt and provide the required documentation, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to formally dispute the continued reporting of a closed account on my credit report. According to IRS regulations and the Fair Credit Reporting Act ( FCRA ), a creditor that issues a Form 1099-C for cancellation of debt is acknowledging that the debt has been XXXX and no longer collectible. 
The account in question is : Creditor Name : Citibank CBNA Account Number : XXXX XXXX Date of Charge-Off : Not available Amount : {$1200.00} Under IRS Code Section 6050P , once a Form 1099-C is issued, the debt is considered canceled, meaning the creditor has forfeited any further collection activity, including reporting the debt negatively on my credit report. Therefore, this account should be immediately removed from my credit file. 
Failure to properly investigate and remove this information from my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I am prepared to take legal action if necessary. If you do not comply, I will seek statutory damages of up to {$1000.00} per violation, in addition to punitive damages, attorney fees, and court costs.

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 2025-03-26 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-26 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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