vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
Huntington Bank closed an account that was under my boyfriends name, but which also received my payroll direct deposits from XXXX. After the account was closed, XXXX of my direct depositstotaling nearly XXXX XXXXwere sent to that account and are still being held or unreturned. 

I have spent over a month trying to recover these funds. Huntington tells me that XXXX must recall or reissue the deposits, while XXXX says Huntington must release or return them. Both companies continue to refer me back and forth without resolving the issue or providing written confirmation of where my money is. 

I have contacted Huntington Bank multiple times by phone and in person, and XXXX payroll department numerous times. Neither side has provided documentation showing whether the deposits were returned or are being held. As a result, I have not received my wages for over a month and have fallen behind on essential bills such as my house payment and car payment. 

I am requesting immediate investigation and assistance to ensure the funds are either released to me or properly returned to my employer so I can be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: Global Lending Services LLC
State: LA

Complaint narrative:
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 XXXXXX/XX/XXXX I have reached out to all these companies and they are not trying to hear me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-29 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:
This correspondence serves as my formal objection to the accounts listed. They were not created with my authorization and appear fraudulent. I request their deletion and a thorough investigation. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a chase business complete checking account on XX/XX/year> with a bonus promotion ( {$300.00} for {$2000.00} to {$19000.00}, {$750.00} for {$20000.00} or more ). The promotion term says : Maintain the new money in the checking account for at least XXXX  days from the offer enrollment. My offer enrollment date is XX/XX/year> when I opened the account. The XXXX  days period ends on XX/XX/year>. I maintained {$20000.00} and more in the account until XX/XX/year>. 

Besides, in Chase bonus tracker, it clearly says I need to maintain your balance until XX/XX/year> as the offer requirement. 

Chase failed to fulfill its advertising to credit {$750.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: DC

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 explanation
Consumer complaint received 2025-10-29 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This is identity theft I did not open these accounts. Please remove accounts immediately. Ive sent the updated police report. 
XXXX XXXX included XXXX XXXX  STATED ON XX/XX/XXXXXXXX XXXX XXXX CHARGED {$300.00}. ON XX/XX/XXXX CHARGED {$13000.00} FROM XXXX XXXX. ON XX/XX/XXXXXXXX XXXX XXXX WAS CHARGED FOR {$670.00}. 


ON XX/XX/XXXX {$1100.00} XXXX XXXX XXXX WAS CHARGED AS WELL. ALL CHARGES ARE UNAUTHORIZED BY XXXX XXXX DID NOT WANT IC3.GOV JUST A REPORT NUMBER FOR THE BANK. INCIDENT NUMBER PROVIDED.

RP CALLED BACK AT APPROX 134SHRS WITH A REVISED FRAUDULENT CHARGE LIST. 

XXXX XXXX WAS CHARGED ON XX/XX/XXXX FOR {$13000.00} LAST FOUR ARE XXXXXXXX XXXX XXXX XXXX CHARGED ON XX/XX/XXXX FOR XXXX LAST XXXX ARE XXXX. XXXX XXXX CHARGED ON XX/XX/XXXX FOR {$300.00} LAST FOUR ARE XXXX. XXXX XXXX OPENED ON XX/XX/XXXX FOR {$410.00} CARD # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX FOR {$5000.00}. XXXX ON XX/XX/XXXX FOR {$40000.00} LAST FOUR ENDING XXXX. XXXX ON XX/XX/XXXX FOR {$42000.00} LAST FOUR ENDING XXXX. 

Remove these accounts immediately. Police report see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ) regarding the inaccurate and derogatory information appearing on my credit report. 
XXXX. DEROGATORY ACCOUNT XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$820.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Payment History : XXXX XXXX  days late, XXXX XXXX days late, XXXX XXXX days late Issue : This tradeline appears as a charged-off account yet continues to reflect a balance, violating Metro 2 guidelines which require charge-off ( Status XXXX ) to report a XXXX balance. Any such inconsistency breaches FCRA 607 ( b ) requiring maximum possible accuracy. 
Furthermore, there is strong concern for account re-aging, as the payment delinquency history does not align with the correct Date of First Delinquency ( DOFD ), potentially extending the XXXX reporting limit in violation of FCRA 605 ( a ). 
If this data can not be verified to the standard of maximum possible accuracy under Metro 2 compliance and FCRA 607 ( b ), you are required to delete this tradeline pursuant to FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX & XXXXXXXX XXXX XXXX My file contains a fraud alert and I have been affected by the Equifax XXXX and XXXX  XXXX data breaches, which exposed sensitive personal data including my SSN and DOB. Under FCRA 605A and the FTC guidelines for data breach victims, any suspicious accounts or unverifiable information should be blocked immediately. 
XXXX. INQUIRIES NOT TIED TO OPEN OR POSITIVE ACCOUNTS Please remove the following unauthorized inquiries that are not tied to any current accounts and lack permissible purpose : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am entitled to accurate reporting and protection from fraudulent or unauthorized accounts. These violations are causing substantial harm to my creditworthiness and personal reputation. 
Wrong Addresses : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address has been reported in error. I have never resided here and request its immediate removal. 
These false addresses are negatively impacting my credit report and could constitute violations of FCRA 1681e ( b ) regarding maximum possible accuracy. 
Charge Off Accounts ( I have no knowledge of these accounts and request deletion ) : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} Charge Off * * I have no knowledge of this account and request deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} Charge Off * * I do not recognize this account and demand removal. 
These accounts may constitute identity theft or unauthorized activity. Under FCRA 1681i ( a ) and 1681s-2 ( b ), I request immediate verification or deletion. 
I demand a thorough investigation of each disputed item, deletion of all accounts and inquiries that are unauthorized or fraudulent, correction of all inaccurate addresses, and written confirmation from all reporting agencies and furnishers regarding actions taken. Failure to correct these errors constitutes violations of the FCRA and FDCPA and may result in legal action for damages, including emotional distress and damage to my creditworthiness.

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 2025-10-29 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: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
I previously disputed multiple inaccurate and unverifiable accounts with Equifax in writing. Equifax has already removed several items, which confirms that some of the information reported was inaccurate. However, other accounts remain on my report without proper verification or proof, which violates my right to a full reinvestigation under FCRA 611. 

Equifax failed to identify the verification source or provide supporting documentation for the remaining items. These inconsistencies show that the reinvestigation process was incomplete. 

I have attached my original dispute letters, responses, and updated credit report showing which accounts were deleted and which remain. I am requesting deletion of all unverifiable accounts and written confirmation of how each item was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint as an escalation and update to prior case ( s ) closed as duplicates. My Navy Federal Credit Union account has been restricted since XX/XX/XXXX following the deposit of a legitimate IRS-issued Treasury refund check. 

Navy Federal claims they received a notice from the U.S. Treasury in XX/XX/XXXX labeling the check as fraudulent. However, the official IRS Account Transcript shows : Refund check issued XX/XX/XXXX ( TC XXXX ) No refund canceled/returned ( TC XXXX ) No XXXX notice or fraud code No IRS/Treasury activity in XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliphant United, Inc.
State: WA

Complaint narrative:
I initiated a private arbitration proceeding against Oliphant USA , LLC pursuant to the arbitration clause contained in the original contract. However, the XXXX XXXX XXXX ( XXXX ) closed my case because the company failed to comply with the terms and obligations required to move forward with arbitration. 

This conduct constitutes a breach of contract and a serious violation of consumer protection laws. By refusing to participate in the arbitration process they themselves required under the agreement, Oliphant Financial has acted in bad faith and deprived me of my right to a fair resolution as outlined in the contract. 

Additionally, this behavior reflects a pattern of unfair and deceptive practices, violating the Federal Arbitration Act ( FAA ) and potentially the Fair Credit Reporting Act ( FCRA ) if the company continues to report inaccurate or disputed information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed without proper explanation and also I had XXXX funds In the account when closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
PAYPAL sent me an unwanted unsolicited credit card XX/XX/2025 as part of their so-called update policy. It's on my credit report. I spoke to the company and all they say is " Don't use it. '' The customer service rep was unable to fully eliminate this card 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 explanation