vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
I'm removing all my money from Huntington Bank. On the XXXX of XXXX my transaction for {$1000.00} to fund a new bank account at a different bank was declined. I called Huntington Bank and the told me I need to go into a branch and verify I'm before they will give me access to my funds. I have already move to Florida, so Huntington has no branches nationwide for me to fulfill that request, which is also a ridiculous request. 

The next day I called again getting low level customer service people and low level supervisors who can do nothing to assist. They tell me I can email them a statement from the new bank for the new account to make sure its me before they can unfreeze the account. 

I sent the statement on XX/XX/XXXX to XXXX. Then they respond to the email asking for my Huntington Bank Account number. 

I follow up with them again on XX/XX/XXXX- they respond that it takes XXXX business days to resolve. 

I followed up again on the XXXX and also today the XXXX. 

This is unacceptable. 

I'm with new residence in Florida and traveling.and I need access to this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to dispute an account that has been reported incorrectly on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all 3 credit bureaus. The company stated it was sent to me, but the address is not correct, so I didn't get anything that was sent out to notify me of the debt. The account does not belong to me and is being misreported across my credit files. I am requesting that this account be removed. If it can not be proven as accurate, I ask that it be removed from all three credit bureaus immediately to ensure my credit report reflects correct and fair information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: FL

Complaint narrative:
Mohela has contacted phone numbers that are not mine. I have had this loan for years and they have been advised several times to only call my number ending in XXXX and no other number. This has been requested several times and they called my parents and they have been told several times not to call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Credit Card Billing Practices In XX/XX/year>, I paid off my credit card of approximately {$8000.00}, which should have paid off the entire balance. Weeks later, I received a notice are very additional payment due of which I then went to my credit card statement by way of the Citibank application and it showed a zero balance. 

On XX/XX/year>, I received an email stating that I had a past due balance owed and then I called the company to discover that the Citibank was showing a balance owed a {$15.00} while the app on my phone continue to show contrary as they continue to show zero dollar balance owed and zero dollar minimum payment due. This is also confirmed by the application as Ive taken a screenshot. 


Consumer Financial Protection Bureau Nevertheless, I paid the balance to avoid this becoming a credit reporting issue, but I want to make sure that Citibank understands that this kind of activity of providing a contradictory information on billing statements is a violation of the Consumer Financial Protection Bureau which clearly articulates that bills must be consistent in order for them to be directly applied and dutifully paid.

I then went to the local Citibank branch. The branch manager currently provided his information and agreed that should adverse information be reported he would provide substance from his end to help them get that matter remedied without further incident. His name was XXXX XXXX ( Email : XXXX. 
Thanks

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 2025-10-09 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: LA

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 2025-10-10 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: FL

Complaint narrative:
I am submitting a formal complaint against Equifax for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Limit : {$300.00} Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Limit : {$500.00} Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the XXXX period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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

Complaint narrative:
I am submitting a formal complaint against Equifax for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Limit : {$300.00} Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Limit : {$500.00} Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the XXXX period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding chime handling disputes particularly in light of th recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies my financial institution and chime failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasble. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
I have this unauthorized inquiry been trying to dispute this for almost a year now and still no changes. It still reporting please help me escalate this with Equifax they been ignoring me for too long

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint because Wells Fargo is reporting an inaccurate charge-off and payment history on a closed account, in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( a ) and 623 ( a ) ( 5 ).

The account in question was a line of credit that was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The account was settled, as shown in the remarks Settled less than full balance. However, the account continues to appear on my credit report with the following inconsistent and misleading information : Creditor : Wells Fargo Account Type : Line of Credit Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Collections/Charge-off Remarks : Paid profit and loss / Settled less than full balance Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX The issue is that this account was closed in XXXX, yet Wells Fargo is reporting a last payment date in XXXX, more than two years after closure. This appears to be a case of re-aging, which artificially extends the accounts life on my credit report and misrepresents the true timeline of events.

Additionally, the account is labeled as a Charge-off, even though it was settled, which is misleading and unfairly damaging to my credit history. Once a debt is settled, it should be reported as Settled for less than full balance, not Charge-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 2025-10-09 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: AZ

Complaint narrative:
After reviewing my TransUnion credit report, I was deeply disappointed to find several late payment notations that are completely inaccurate, misleading, and unsupported by any legitimate documentation. These accounts include XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX XXXX - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} ), XXXX - XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} - Balance : {$0.00} ), and XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( Paid - Past Due : {$0.00} ). 

Each of these accounts is marked as paid and current, yet TransUnion continues to report them with late payment history. This reporting is factually wrong, legally impermissible, and directly violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy in the information they report. Under 15 U.S.C. 1681i, TransUnion is obligated to conduct a thorough reinvestigation of disputed items, to obtain and provide original verification records from the furnishers, not rely on automated or superficial responses.

I have worked hard to maintain and restore my financial reputation, and yet I am still being punished for mistakes that are not my own. These false late payment marks have impacted my ability to qualify for fair credit terms, increased my interest rates, and caused significant emotional distress and frustration. Its painful and demoralizing to see years of financial responsibility misrepresented because TransUnion failed to do its part in ensuring the integrity of my file.

Whats worse is that these inaccuracies reflect poorly on my reliability as a borrower when the truth is that I fulfilled my obligations in good faith. These marks are not only errors on paper they are wounds that affect real life : opportunities lost, credibility questioned, and a sense of fairness violated.

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 2025-10-09 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: CA

Complaint narrative:
/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX /XXXX  XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX /XXXX  Date of inquiry : XX/XX/XXXX /XXXX  Date of inquiry : XX/XX/XXXX /XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX BANK Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX /XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX /XXXX  XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX /XXXX  Date of inquiry : XX/XX/XXXX /XXXX  Date of inquiry : XX/XX/XXXX /XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX BANK Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX /XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX 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 non-monetary relief