vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Went to the branch to withdraw cash because i lost my wallet with everything in it cards and drivers license so i have a screenshot of my new drivers license on my phone because i had a paper in my wallet that i lost. And XXXX employees denied me service after I explained them what had happened even told them i had a police report and that also huntington bank had told me as was able to get cash at a branch and still got denied by XXXX employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
There are unauthorized accounts and transactions on my credit report resulting from fraudulent use of my personal information. I have never benefited from these items in any way, and recognizing the severity of the situation, I promptly filed a report with the Federal Trade Commission. Despite following the proper steps and reporting this fraud, these inaccurate and fraudulent items remain on my report. It is incredibly frustrating to continue facing the consequences of someone elses actions. Dealing with identity theft is already overwhelming.

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 2025-02-25 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account appearing on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am exercising my right to challenge any inaccurate, incomplete, or unverifiable information that may be damaging my credit profile.

The following account is incorrect and must be removed immediately : Basis for Dispute : 1. Unverified Information : According to 15 U.S.C. 1681i ( a ), and 15 U.S.C. 1692C credit bureaus are required to conduct a reasonable reinvestigation of disputed accounts. I demand documented verification that this account is accurate and legally belongs to me. If no verifiable proof is provided within 30 days, this account must be deleted.

2. Failure to Adhere to Federal Standards : Recent actions by the Consumer Financial Protection Bureau ( CFPB ) have highlighted the frequent mishandling of consumer data by credit reporting agencies. The CFPB lawsuit filed in [ Year ] against XXXX, XXXX, and XXXX for violations of consumer rights under the Fair Credit Reporting Act ( FCRA ) is a clear indication of industry-wide misconduct. 
3. Case Studies of Violations : o XXXX was fined in XXXX due to its data breach exposing consumer information. 
o XXXX was sued in XXXX by the CFPB for deceptive marketing practices and failure to remove erroneous accounts. 
o XXXX has faced multiple lawsuits for failing to correct disputed consumer records. 
Given this precedent and the bureaus legal obligation under the FCRA, I demand the immediate removal of this collection account unless you can provide substantive, legally admissible proof that this account is valid and belongs to me. 
Requested Action : Remove the aforementioned account from my credit report within XXXX days per FCRA guidelines. 
Provide written confirmation of this removal or verification of accuracy. 
If the account is not removed, provide a detailed explanation and copies of all documents used to verify the debts legitimacy. 
If my request is ignored or denied without substantial proof, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. 
Please consider this letter a formal request under the Fair Credit Reporting Act and confirm receipt by responding in writing to my address above. 
Enclosing : According to 15 U.S.C. 1692C Equifax have violated my rights by in lawful communication. Please remove these collections off of my credit report. According to section 1681e ( b ), section 1681i to 15 U.S.C. 1681 B, to 15 U.S.C. 1681 EB and section 1681s. My personal infor mation was sold to other companys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my XXXX formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Experian on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXXXXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

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 2025-02-25 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: CA

Complaint narrative:
I am listing XXXX Inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from 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 non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am contacting National Credit Systems regarding complaint # XXXX & # XXXX. Your company has had more than a few months to provide information regarding the line items on the report you provided. You can not lie about a debt and this is in violation of FDCPA and FCRA. Your company is also perpetrating a fraud. Your company refuses to remove the debt and now it appears you've closed the account and reported with negative remarks. You are to remove it as you have no proof of the line items and can't validate the debt. I'm disgruntled and your company has made false misrepresentation and has made me look bad as a consumer. I want your information so that my lawyer can contact you as you have refused to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
This XXXX XXXX Account XXXX was not properly verified according to 15 U.S.C 1681i ( a ) ( 6 ) ( B ) ( iii ), which is violation of my consumer rights and the FCRA. I have uploaded another COMPLAINT, and a copy of my inaccurate Transunion credit report highlighting the account. This account is also not in compliance with IRS regulations 1099-C ( CANCELATION of DEBT ) FORM.

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 2025-02-26 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). The account in question contains several inaccuracies that must be corrected or removed immediately to comply with federal 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I received XXXX phone calls in 4 days. I have already spoken with them on XXXX. I explained I was facing a financial hardship and steps have been taken to resolve the issue. What else do I need to do?

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 2025-02-26 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: FL

Complaint narrative:
I just reviewed my credit report and was extremely concerned to find accounts that I have no knowledge of. I never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and unacceptable, and I need an immediate explanation of how this happened. These false accounts are unfairly damaging my credit history and must be addressed right away.

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 2025-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX - {$4500.00}

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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
5\3 Bank bought out my loan from another financial company, now that the loan is paid off, 5/3 will not release my title. They stated I never insured the vehicle ( motorcycle ). I have always had insurance on the vehicle. I was not able to purchase the vehicle without proof of insurance. I purchase the bike XXXX XXXX XXXX the maturity date being XXXX years later ( XXXX ) .Since XXXX bought out the previous finance company, I have only received XXXX statement ( XX/XX/XXXX ). This is how I became aware of an additional {$3000.00} being assessed to my account. So I called 5/3 on XXXX XX/XX/XXXX & updated my insurance ( never a laps with my insurance ) with a difference insurance company and the new insurance company notified them of the coverage as 5/3 instructed me to have them contact them. I spoke with 5/3 again ( XX/XX/XXXX ) & they still refused to accept the factor that the vehicle has always been insure,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card opened at Capital XXXX on XX/XX/XXXX, and another personal credit card opened at XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
This XXXX XXXX Account XXXX was not properly verified according to 15 U.S.C 1681i ( a ) ( 6 ) ( B ) ( iii ), which is violation of my consumer rights and the FCRA. I have uploaded another COMPLAINT, and a copy of my inaccurate Transunion credit report highlighting the account. This account is also not in compliance with IRS regulations 1099-C ( CANCELATION of DEBT ) FORM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This XXXX XXXX Account XXXX was not properly verified according to 15 U.S.C 1681i ( a ) ( 6 ) ( B ) ( iii ), which is violation of my consumer rights and the FCRA. I have uploaded another COMPLAINT, and a copy of my inaccurate Transunion credit report highlighting the account. This account is also not in compliance with IRS regulations 1099-C ( CANCELATION of DEBT ) FORM.

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 2025-02-26 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: DE

Complaint narrative:
This morning, I came across incorrect accounts listed on my credit report, and I have no clue how they appeared. As part of my routine, I reviewed my report and was surprised to find inconsistencies. I attempted to refresh my browser in case it was a minor error, but the incorrect accounts were still there. Given this issue, I ask that my submitted documents be carefully examined so I can put this concern behind 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