vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I am filing a complaint regarding The Huntington National Banks continued reporting of inaccurate and materially misleading credit information, as well as its repeated refusal to accept payment on a disputed account. 

Huntington National Bank is reporting a charged-off line of credit on my credit reports ( account number ending in XXXX ) with a balance of {$33.00}. I dispute both the accuracy of the reporting and Huntingtons handling of this account after notice. 

I submitted a written dispute to Huntington on XX/XX/year>, and a follow-up dispute on XX/XX/year>. Despite these notices, Huntington has failed to correct, delete, or meaningfully respond regarding the reporting. 

In addition, I have attempted multiple times to pay the alleged balance in full. Each time, I have been referred to another department or third party to discuss payment, only to be redirected again without resolution. At no point has Huntington been willing to accept payment or provide a clear method to resolve the account. This circular referral process has effectively prevented resolution while negative reporting continues. 

Continued reporting of a charged-off account for a de minimis balance while simultaneously refusing to accept payment is unreasonable and materially misleading. The Fair Credit Reporting Act requires furnishers to report information that is accurate, complete, and not deceptive in how it portrays a consumers creditworthiness. 

Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of dispute, it must conduct a reasonable investigation and correct or delete any information that can not be verified as accurate. Huntington has not demonstrated that a reasonable investigation occurred and has instead continued harmful reporting while obstructing resolution. 

I am requesting CFPB assistance to require The Huntington National Bank to : Conduct a proper reinvestigation of this account, and Correct or delete the tradeline if it can not be verified as accurate and materially relevant. 

Continued reporting under these circumstances constitutes ongoing harm and noncompliance with federal credit reporting obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts 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 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 2025-12-23 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 have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX i was about to complete my shopping online at XXXX when i was presented with a offer that stated that if i applied for this credit card i would receive a XXXX gift card and that the check would be " soft '' which wouldnt effect my credit score and not only did they do one hard check they did 2!!!! Im rebuilding my credit, paying everything on time! This was very predatory in nature. Offering a gift card, not coming through and then checking my credit twice!!! Bait and switch is what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : URGENT Request for Immediate Removal of Dispute Remarks From All Tradelines To Whom It May Concern, I am currently in the process of purchasing a home and recently had my credit reports pulled by my mortgage lender. It has come to my attention that there are dispute remarks listed on one or more tradelines within my credit report. These remarks are now preventing final approval of my home loan. I am formally requesting the immediate removal of all dispute-related comments and notations from all tradelines on my credit report. I am not disputing any accounts at this time, and I need all remarks indicating otherwise removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : URGENT Request for Immediate Removal of Dispute Remarks From All Tradelines To Whom It May Concern, I am currently in the process of purchasing a home and recently had my credit reports pulled by my mortgage lender. It has come to my attention that there are dispute remarks listed on one or more tradelines within my credit report. These remarks are now preventing final approval of my home loan. I am formally requesting the immediate removal of all dispute-related comments and notations from all tradelines on my credit report. I am not disputing any accounts at this time, and I need all remarks indicating otherwise removed without delay.

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 2025-12-23 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-23 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am an XXXX XXXX who has been on XXXX XXXX service for five years. I am recently married to an XXXX XXXX service member and since our marriage my MLA benefits for my American Express have been taken away on the account that I can not be found in the MLA database. I am updated in XXXX. I have contacted XXXX, XXXX and XXXX with no resolve. There is no means to provide them documentation or at least they will not allow me to provide orders or XXXX to prove my status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute the accuracy of the following accounts and request a review for any discrepancies. 

Charged Off Accounts 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 2025-12-23 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: NY

Complaint narrative:
i've been unable to log into any Equifax account for the entire year. I've called their support team ~3x and gotten 3 different case IDs, but no follow ups. I've also tried making new Equifax accounts, but no success.

two of my dispute IDs : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Would you mind reviewing this entry? It was made late and could be off.

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 2025-12-23 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 am a verified victim of identity theft. I submitted an FTC Identity Theft Report and proper identification to XXXX  requesting a block and removal of fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Despite providing the required documentation, XXXX  has failed to block and remove information resulting from identity theft as required by federal law. I am requesting that the CFPB require XXXX  to comply with FCRA 605B and provide written confirmation of the block and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute incorrect addresses being reported on my credit file. My credit report contains outdated and inaccurate address information, including XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. The correct and current address should be XXXX XXXX XXXX XXXX XXXX, FL XXXX. The continued reporting of these inaccurate addresses is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum accuracy of the information on my file. This ongoing issue reflects negligence and a failure to comply with FCRA requirements, including noncompliance with the need for accurate data reporting. The presence of these incorrect addresses on my credit report is damaging my credit score and hindering my ability to obtain credit. I have already escalated this matter to the FTC, but the incorrect addresses remain on my credit report. I am now seeking the CFPBs intervention to ensure that my correct address is accurately reflected and that the inaccurate addresses are immediately removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-23 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-23 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:
I am a victim of fraud and identity theft. I am writing to dispute the following item on my credit report maintained at each bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. 

I dispute the following accounts which are a result of identity theft or fraud and the bureaus have refused to remove off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of fraud and identity theft. I am writing to dispute the following item on my credit report maintained at each bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. 

I dispute the following accounts which are a result of identity theft or fraud and the bureaus have refused to remove off 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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am a TD Bank debit-card holder. 
I reported multiple debit-card transactions within 24 hours of the charges. 
These payments were induced by a government-impersonation scam involving threats and material misrepresentation. 
The payments were processed through third-party platforms ( XXXX, XXXX, and XXXX XXXX ). 
XXXX, XXXX and XXXX XXXX declined to reverse the transactions and advised me to seek recovery through my bank. 
I have filed a Federal Trade Commission report, police report, and CFPB complaints regarding the third-party platforms. 
I am requesting TD Bank reopen and properly investigate these debit-card fraud disputes, issue provisional credit, and refund the total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I attempted to close my Bank of America checking account and was explicitly instructed by branch staff to withdraw the remaining balance in order to proceed with closure. 

I followed this instruction exactly. However, I was not informed that withdrawing the balance would trigger a monthly maintenance fee and result in a negative balance, which then prevented the account from being closed. 

This negative balance was caused solely by incomplete and incorrect guidance from Bank of America staff. I would not have incurred this fee had I been properly informed.

I am requesting : 1 ) Immediate waiver and reversal of the maintenance fee 2 ) Closure of the account as originally requested This is a disclosure and guidance issue, not a standard fee dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inquiries that I do not recognize. I did not authorize, consent to, or apply with these companies, nor did I grant permission for my credit file to be accessed. The presence of these inquiries represents a violation of my rights as a consumer and has added unnecessary stress to my life.

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