vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I opened a joint account at Huntington National Bank with my wife the closest Branch is in the next State XXXX XXXX XXXX XXXX hours away.I was making deposits into my account from XXXX XXXX due to the travel distance all of a sudden my wifes part of the Account was locked.Called several times the Customer Service number only to be rudely spoken to and told if I wanted my account unlocked I would need to travel.While the entire time me knowing they could accommodate remotely since they did during XXXX if they truly wanted my business they could accommodate my situation I asked several times to speak with someone over them the Woman said Im not sure I am Corporate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax XXXX XXXX continues keep sending updates letters requesting additional info such as identification drivers license address with the lease on it and also Social Security card, which has been sent numerous times nothing has been changed. No increase file anywhere on my credit report due to account has been paid off long time ago paid on time this is the XXXX letter I received requesting additional information. Or no if it's a prolonged, but it has been sent numerous times even through the portal of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize the following inquiries, And I have no prior business relationship with the entities listed that would necessitate this access to my credit file, this unauthorized inquiry is potentially a result of identity theft, which I am actively addressing and have reported to identity theft.gov According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must maintain fair and accurate credit reports. These unauthorized hard inquiry is inaccurate and should be removed immediately. I have already sent dispute letters requesting verification and removal of the inquiries listed as of XX/XX/year>. 
( XXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXXXXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX ) The following collection accounts are also unrecognized and could potentially be a result of identity theft, I have written to each of the credit bureaus on XX/XX/year> requesting an investigation and verification of the debts I am writing to file a formal complaint against each of the collection accounts listed below. In my dispute letter to each agency I requested verification of these debts, including ( but not limited to ) : The name of the original creditor. 
The original account number. 
A copy of the original contract or agreement bearing my signature. 
A complete payment history. 
Documentation proving their legal right to collect this debt. 


( XXXX XXXX XXXX XXXX, date opened XXXX, Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX, date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX, date opened XXXX, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXXXXXX XXXX XXXX, date opened XXXX acct XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX XXXX, date opened XXXX, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX bal XXXX, date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX  ) ( XXXXXXXX XXXX XXXX bal XXXX, date opened XXXX, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXXXXXX XXXX  XXXX, date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX XXXX date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX, date opened XXXX, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX  XXXX, date opened XXXX, acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX bal, date opened XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXXXXXX, date opened XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

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 2025-04-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am being overcharged on escrow. I submitted paperwork in 2024 from XXXX XXXX for XXXX veteran full tax exemption and NewRez will not update my escrow. each time I call they acknowledge a mistake was made, and it will be fixed but has been XXXX months now and no resolution.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> ACIMA Digital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Legal Notice Immediate Deletion Required of Inaccurate Account Reporting Account Number : Partial Acct # XXXX ... 

To Whom It May Concern, This letter serves as a final and formal legal demand regarding your continued unlawful reporting of the above-referenced account on my credit profile.

Upon extensive investigation, I have found numerous and serious violations committed by ACIMA against consumer rights, and I now invoke the full protection afforded to me under federal law. 
I demand the immediate and unconditional deletion of this account from all consumer reporting agencies. 


ACIMAs actions constitute clear violations of the following : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Once a debt has been sold, the original creditor relinquishes any and all rights to collect, report, or verify the debt.

ACIMAs continued reporting of this account after the sale constitutes false, deceptive, and misleading representations under 1692e.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : You are obligated to conduct a reasonable investigation of any disputed account. 

By continuing to furnish information after selling the account and failing to correct or delete inaccurate information you are knowingly and willfully violating federal law. 



3. Established Jurisprudence : Case law clearly establishes that creditors who sell debts lose standing to report them ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Once transferred or sold, ACIMA has no legal right to continue reporting or influencing my credit file. 


Moreover, ACIMA has been the subject of numerous lawsuits, regulatory actions, and consumer complaints regarding illegal debt collection practices, false reporting, unfair treatment, and violations of consumer rights, as documented by public records, CFPB complaints, and legal databases. 


Multiple lawsuits have been filed against ACIMA Digital ( and its affiliates ) for deceptive collection tactics, reporting inaccuracies, failure to validate debts, and violations of the FDCPA and FCRA. 


Consumer Financial Protection Bureau ( CFPB ) complaint records show consistent patterns of mishandling consumer accounts, wrongful credit reporting, and repeated disregard for dispute rights. 


These documented patterns of abuse further invalidate your standing and amplify the damages caused by your unlawful actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-25 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX 2024

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 2025-04-25 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I gave photos of my XXXX to wellsfargo and they sent me a credit card now they said it wasn't a credit card.Im a XXXX XXXX XXXX XXXX  of the XXXX time frame.With a credit card I can rebuild my 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 2025-04-25 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX  Equifax and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Since last your I have repeatedly asked the bank to look into re-evaluating the house with the purpose of having the PMI removed since the value of the property has increased significantly. 
I keep receiving the same answer that I am not eligible as this bank only removes PMI by either reaching 20 % of the loan or by paying it off sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2025-04-25 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-25 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: FL

Complaint narrative:
I did not give express written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : TransUnion Experian Equifax Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c2 to avoid any legal further proceedings. Thank you for your timely compliance!

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 2025-04-25 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: FL

Complaint narrative:
I did not give express written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : TransUnion Experian Equifax Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c2 to avoid any legal further proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am writing to formally request an update to my credit report regarding an account previously held with XXXX XXXX, which is currently being reported as a charge-off/collection. 
As evidenced by the attached Form 1099-C, XXXX XXXX  canceled and discharged the debt in the amount of {$4600.00} on XX/XX/year>. This form was also submitted to the IRS and confirms that the debt was forgiven and should no longer be reported as an active charge-off or in collection. 
Per the Fair Credit Reporting Act ( FCRA ), I respectfully request that you update your records to accurately reflect the status of this account as " canceled '' or " paid closed '' and remove any reference to it being an outstanding charge-off or delinquent collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WI

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report.Please see attached ftc report.

Company response to consumer: Closed with explanation