vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX i noticed that my capital one card ending in XXXX was not on my account anymore. I called capital one and they informed me that my card was reported fraudulent. I stated that I did not report the card fraudulent. That I opened the account, all charges and payments where made by me. I was informed that they had to do a investigation and they would send me a letter letting me know the out come. I recieved a letter letting me know that the account is mine and was not opened fraudulently. I called capital one on the XXXX of XXXX asking them to lift the restrictions from my account. I was informed by XXXX employment number XXXX supervisor of the fraud department that my account was closed on the XXXX when it was reported fraudulent. However, after there investigation they have come to the conclusion that the account is mine and I and responsible for all charges. 
I would like to report capital one bank for incorrectly closing my account in which caused my credit score to take a XXXX point hit. Capital one bank does not care about it's clients they only care about money and hurting the hard working people that support them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi! 

Experian created XXXX user accounts for me and froze my account. This meant that companies like XXXX XXXX see scores for XXXX XXXX and XXXX, but not Experian. After spending days trying to speak to someone, they resolved the issue. However, they did not lift the freeze on my account, so I had to call back. Unbeknownst to me, they also updated my middle name in their system, and it no longer matches my credit report name, and I once again do not see scores from Experian. 

I am asking for your help because they are dragging this process out at a time after I have an accepted offer on a house and have already put money into escrow.

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 2025-04-14 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: GA

Complaint narrative:
Per Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following unauthorized accounts from my credit report. I did not open nor do I recognize these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
The credit bureaus are reporting inaccurate items on my credit report.

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 2025-04-13 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: CA

Complaint narrative:
The credit bureaus are reporting inaccurate items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I was erroneously placed on an Awaiting Form Administrative Forbearance on XX/XX/2025 despite already having had XXXX XXXX  that was APPROVED AND IN REPAYMENT. A duplicate XXXX application that I was told to submit by a MOHELA official via MOHLA Inbox effectively replaced the XXXX payment that I was happily in, and prevented me from making payments toward XXXX. I was assured from MOHELA official that I was in repayment and there would be no further forbearance to my account. I was directly misled by MOHELA representatives, delaying my loan forgiveness. Their guidance has brought me to be in a general forbearance that I do not want to be in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
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 2025-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/year> I was scammed XXXX dollars from a chime account ( $ XXXX XXXX XXXX I attempted to file a dispute with Chime but I was told I couldnt and I have to get the money back from the scammers! I provided information about the scammers and they still wouldnt file the dispute. Chime needs to be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
Robinhood LLC employees are objectively actively refusing to use my legal identity on my account profile and in ALL correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX EMPLOYER - XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NV

Complaint narrative:
I lived in my home since Year 2013. I paid monthly HOA fees. I've had several different HOAs over the years and different third parties processing payments. First Citizens Bank is now charging a {$2.00} a month administrator fee to process HOA payments. I want that fee waived because this is the first time I've had to pay extra money on top of my HOA fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx. XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Possible Finance : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: AR

Complaint narrative:
On XXXX I sent IC System a conditional acceptance offer letter in attempt to settle a matter regarding an alleged debt. IC System has not responded to my conditional acceptance offer and it has been more than 30 days. In addition IC System failed to mark the debt as disputed in accordance to 15 USC 1692e ( 8 ) and continues to report this account to consumer reporting agencies without providing proof of an obligation under Arkansas Code 4-59-101 ( a ) 2 ), and IC System has violated 15 USC 1692g ( b ) failing cease collection activities after receiving a written 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 2025-04-13 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: CA

Complaint narrative:
Creditor : XXXX XXXX  Status : Charged-off ( {$0.00} balance ) Opened : XX/XX/year> | Closed : XX/XX/year> Errors : {$0.00} balance reported as derogatory " 0 % on-time payments '' without validation Unverified " purchased by another lender '' remark

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
See attached files I am writing to formally request your assistance in resolving an ongoing issue with the nationwide credit reporting agencies**Equifax**, **Experian**, and **TransUnion**concerning the presence of **fraudulent addresses** on my credit file. Despite multiple written disputes submitted directly to the credit bureaus, these inaccurate addresses remain on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

These addresses are **not associated with me**, and I have never resided at or used them in connection with any legitimate financial activity. Their continued presence poses a serious risk to my identity and creditworthiness and may indicate or contribute to fraudulent activity.

Per **15 U.S.C. 1681e ( b ) **, the credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, under **15 U.S.C. 1681i ( a ) **, consumers have the right to dispute incomplete or inaccurate information, and credit bureaus must conduct a reasonable investigation and correct or remove the information if it is found to be inaccurate or unverifiable. 

I have provided the required documentationincluding proof of my identity and current residencein every attempt to resolve this matter directly with the credit bureaus. Yet, these addresses have **not been removed**. I am now escalating this issue to your office and requesting your intervention to enforce the FCRA and ensure the protection of my consumer rights.

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 2025-04-13 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: WI

Complaint narrative:
See attached files I am writing to formally request your assistance in resolving an ongoing issue with the nationwide credit reporting agencies**Equifax**, **Experian**, and **TransUnion**concerning the presence of **fraudulent addresses** on my credit file. Despite multiple written disputes submitted directly to the credit bureaus, these inaccurate addresses remain on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

These addresses are **not associated with me**, and I have never resided at or used them in connection with any legitimate financial activity. Their continued presence poses a serious risk to my identity and creditworthiness and may indicate or contribute to fraudulent activity.

Per **15 U.S.C. 1681e ( b ) **, the credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Additionally, under **15 U.S.C. 1681i ( a ) **, consumers have the right to dispute incomplete or inaccurate information, and credit bureaus must conduct a reasonable investigation and correct or remove the information if it is found to be inaccurate or unverifiable. 

I have provided the required documentationincluding proof of my identity and current residencein every attempt to resolve this matter directly with the credit bureaus. Yet, these addresses have **not been removed**. I am now escalating this issue to your office and requesting your intervention to enforce the FCRA and ensure the protection of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
I am filing this complaint against TransUnion and Experian for reporting closed accounts in a manner that is misleading, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The closed accounts in question are being reported as if they are still active, delinquent, or negatively impacting my credit profile. This type of reporting is deceptive and fails to comply with the legal standards for accuracy and fairness in consumer credit reporting.

Violations Under the FCRA : 15 U.S.C. 1681e ( b ) : TransUnion and Experian have failed to maintain reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) : After disputes were made directly to the credit bureaus, they failed to conduct a reasonable reinvestigation and continue to report inaccurate data.

15 U.S.C. 1681s-2 ( b ) : If the furnishers of this data were notified of my dispute, both TransUnion and Experian failed to properly investigate or delete the inaccurate information. 

Violations Under the FDCPA ( if a debt collector is involved in furnishing the information ) : 15 U.S.C. 1692e ( 8 ) : Communicating or threatening to communicate false credit information, including failing to communicate that a debt is disputed.

15 U.S.C. 1692f : Engaging in unfair or unconscionable means to collect or report information. 

These closed accounts do not reflect current, actionable debts, and should not be presented in a way that suggests they are active or derogatory. Their continued presence in this format is damaging to my creditworthiness, especially when no legitimate purpose or accurate basis for the reporting 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 2025-04-13 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am filing this complaint against XXXX and XXXX for reporting closed accounts in a manner that is misleading, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The closed accounts in question are being reported as if they are still active, delinquent, or negatively impacting my credit profile. This type of reporting is deceptive and fails to comply with the legal standards for accuracy and fairness in consumer credit reporting.

Violations Under the FCRA : 15 U.S.C. 1681e ( b ) : XXXX and XXXX have failed to maintain reasonable procedures to assure maximum possible accuracy of the information they report. 

15 U.S.C. 1681i ( a ) : After disputes were made directly to the credit bureaus, they failed to conduct a reasonable reinvestigation and continue to report inaccurate data.

15 U.S.C. 1681s-2 ( b ) : If the furnishers of this data were notified of my dispute, both XXXX and XXXX failed to properly investigate or delete the inaccurate information.

Violations Under the FDCPA ( if a debt collector is involved in furnishing the information ) : 15 U.S.C. 1692e ( 8 ) : Communicating or threatening to communicate false credit information, including failing to communicate that a debt is disputed.

15 U.S.C. 1692f : Engaging in unfair or unconscionable means to collect or report information.

These closed accounts do not reflect current, actionable debts, and should not be presented in a way that suggests they are active or derogatory. Their continued presence in this format is damaging to my creditworthiness, especially when no legitimate purpose or accurate basis for the reporting exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the XXXX XXXX ( 15 U.S.C. 6801 ), and applicable trust law. 

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Im have XXXX XXXX and they alerted me on XX/XX/2025 that an account was opened with Goldman Sacks Group, They stated it was opened on XX/XX/2025. It was a checking and savings account, I contacted them and they informed me they would start an investigation and I put freezes on all 3 credit agencies. I had a mediation with Goldman sacks and XXXX XXXX. They informed me to make a report to Federal Trade Commission and make a report with my local Police department which I did on XX/XX/XXXX  with XXXX XXXX XXXX. I put a freeze on the XXXX  to also protect myself.

Company response to consumer: Closed with explanation