vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc.
State: FL

Complaint narrative:
I am filing this formal complaint regarding Novo Bank due to their continued failure to restore access to my account and their unreasonable handling of a simple password reset issue. 

In XXXX, I realized I no longer remembered my account password. When I attempted to reset it, I was informed that a current email address was required. Unfortunately, the bank does not have my current email address on file, and I was given no way to update it through their system. 

I contacted their support team by email and a support ticket was opened on XX/XX/XXXX. Since then, I have complied fully with a series of detailed and burdensome requests under that same ticket. These included : Submitting government-issued identification Answering personal verification questions Sending selfies of myself holding current documents All of these requests were fulfilled in good faith. However, after completing everything they asked, I was then told to submit a questionnaire containing aged account information. I have submitted the completed form multiple times, but each time, I receive a vague response stating that some of the information is inaccurate, with no indication of which part is incorrect or how to fix it. They simply ask me to re-submit the form againwithout clarification. 

We have now been going back and forth for nearly a month, and we've reached an impasse. I am being asked to repeatedly provide information that I may have inadvertently entered incorrectly when I opened the account, or that is no longer retrievable. I genuinely do not know which specific details they consider wrong. 

Despite my full cooperation, the bank continues to deny access to my account and offers no in-person support, no phone support, and no alternative path to resolution. Their only method of communication is email, through which they keep requesting the same form without meaningful engagement. 

At this point, I am requesting that the Consumer Financial Protection Bureau review this case. I am being denied access to my own funds, despite fulfilling every request made of me. Their rigid and opaque process has become a barrier to resolution, and their lack of functional customer support has caused unnecessary stress and hardship. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A medical collection for {$1200.00} is being reported on my Experian credit report. I have not been provided with any XXXX documentation or itemized breakdown of services. This account is being reported without proper validation or consumer authorization. I never received notice or breakdown of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am filing a formal complaint regarding three collection accounts reported by XXXX XXXX XXXX and three associated charge-off accounts reported by XXXXXXXX XXXX  XXXX These accounts are harming my credit profile due to inaccurate reporting, duplicate derogatory listings, possible re-aging, and failure to validate disputed debts. 

Accounts Involved 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance : {$0.00} Violations : 1. Duplicate Reporting ( FCRA 623, Metro 2 Guidelines ) XXXX charged off the debts and shows {$0.00} balances. 
XXXX reports the same debts again as open collections with full balances. 
This creates double damage on my credit for a single account. 
2. Re-Aging of Debt ( FCRA 623 ( a ) ( 5 ) ) XXXX lists the accounts as opened in XX/XX/XXXX, but the original debts went delinquent in XXXX. 
Reporting newer open dates extends the 7-year reporting timeline illegally. 
3. Failure to Validate Debt ( FDCPA 809 ( b ) ) All XXXX XXXX accounts were previously disputed, as noted in Experian. 
Despite this, no validation ( contract, ownership, itemization ) has been provided. 
Continued reporting without validation is unlawful. 
4. Incomplete Reporting by XXXX ( FCRA 623 ( a ) ) The XXXX  charge-offs fail to list who the debts were sold to, despite stating they were purchased by another lender.

This is incomplete and misleading data. 
5. Furnisher Inconsistencies The XXXX charge-offs all occurred in XXXX, but last payments were made in XXXX. 
This suggests intentional delay in charge-off reporting, which negatively impacts the age of the derogatory mark.

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 2025-05-14 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I opened a Citibank account in XX/XX/year> and closed it within the same month. At the time of closure, the account had a balance of {$4000.00}, consisting of deposits and transfers from my verified business bank account. Citibank has refused to release the funds and stated that the money belongs to them, without providing a valid explanation. I am requesting that the CFPB investigate this matter and assist in recovering my funds.

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 monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I wrote to Balance Credit indicating that any further communication XXXX only be made via email -- that no phone calls or texts were allowed to be made to any phone of record on my account. 

On XX/XX/XXXX, I received email confirmation of said request as follows : Thank you for contacting Balance Credit. We have received your request to cease all communication by telephone. We will be removing the following number ( XXXX ) from your account ( XXX ) -XXXX. 

Our email address for further communication is XXXX. 

Feel free to contact our Customer Support Team at XXXX or via email at XXXX with any changes. 


Since that time, I have received XXXX text messages, XXXX voicemails, and dozens of additional phone calls. 

This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally express my concern regarding the recent repossession of my vehicle due to a past due balance of {$580.00}. I was informed that I may reinstate the vehicle by paying {$1700.00} plus applicable storage fees, with a strict deadline of XX/XX/XXXX at XXXX PM, after which they will send a request to XXXX repossession to start the process to send the vehicle to auctioned or sold. 

I have communicated my intent to reinstate the vehicle and requested a short extensionjust a few days to XXXX weekto secure the necessary funds. I have paid significantly toward the loan and remain committed to fulfilling my financial obligations. Unfortunately, despite multiple good-faith efforts and email correspondence, GreenState Credit Union has XXXX to XXXX a brief extension, even with my willingness to pay any additional storage fees incurred during that time. 

My personal belongings, including my college backpack and laptop, remain in the vehicle. The lack of flexibility in this situation is causing significant hardship and emotional distress. I respectfully ask for reconsideration of my request for a short extension. I am awaiting an upcoming paycheck and am confident I will be able to pay the required amount shortly. 

I hope that GreenState Credit Union will demonstrate understanding and work with me during this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
Spoke with the BridgeCrest, in XXXX, regarding past due balance of {$190.00}, which the company states was 30 days past due. The company informed me that they were aware of the glitch in their system and to call back, later in the week to ensure the erroneous report of {$190.00} was reversed. The company corrected the error, but still reported the account 30 days late to my credit report, for XXXX. The company also reported the account 30 days late in XXXX, as well, but the due date was not until XX/XX/XXXX. See attachments for screen account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one ran a credit report inquiry without my authorization or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXE XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-14 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: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXE XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 explanation
Consumer complaint received 2025-05-14 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: IN

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because my consumer rights under federal law have been violated. There are unauthorized hard inquiries, collections, and fraudulent accounts appearing on my credit report without my knowledge, consent, or verifiable authorization. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only provide a credit report if there is permissible purpose. These inquiries and accounts do not meet that requirement and were reported without my written authorization, in violation of 15 U.S. Code 1681b ( a ). Furthermore, per 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide accurate information. Reporting fraudulent or unauthorized accounts and collections violates this duty. I have disputed these inaccuracies with the credit reporting agencies and the furnishers, pursuant to 15 U.S. Code 1681i ( a ), which mandates a reinvestigation of disputed information. However, these items remain, despite the lack of lawful validation. Also, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), it is unlawful for a debt collector to communicate false information, including the reporting of debts they know or should know are inaccurate or unverified. I am requesting immediate removal of all unauthorized inquiries, fraudulent accounts, and collections from my credit report, and for this matter to be fully investigated and resolved in accordance with my rights under the FCRA and FDCPA. I have attached my identity theft 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