vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I walked into the branch with my business documents, I opened two accounts, set up online banking. Waited for my debit cards, the debit cards came, I activated one just fine the other wouldnt activate, I called and they said my account was closed by fraud prevention. I have never had a business account with Huntington, I didnt have any transactions, I only updated emails on both accounts and my other account is fine. The banker then calls and says he typed in the information wrong but says thats not considered fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am writing to dispute inaccurate and potentially unverifiable information listed on my credit report. After carefully reviewing the report, I have identified an account that I believe is either incorrect or can not be fully verified. I am requesting a full reinvestigation of the information in accordance with federal law. 

Disputed Account : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2500.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute any item I believe to be inaccurate. I request that Equifax conduct a reinvestigation and verify this account with appropriate documentation from the data furnisher. If verification can not be provided, the account must be removed immediately under FCRA Section 1681e ( b ), which mandates the highest level of accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My XXXX XXXX serve American Express card was stolen. Multiple transactions were made on my card without my consent or knowledge of. I cancelled the card when I noticed and then ordered a new card. My federal income taxes were loaded onto the original card. They were drained for more than {$5.00}. This resulted in me being evicted and phone disconnected. Please help I have provided the transactions I wish to dispute. I have small children. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
On or about XXXX or XXXX i received a pack in the mail for a lawsuit filed against me, I never received a phone call, letter, bill or anything from this company trying to cure the debt before suing me, not only that there is a clause in the original agreement that we are to go to arbitration before court, which was not done. Once I received packet I called the attorneys office and requested validation of debt, my understanding the court proceedings are suppose to fault until this proof is sent, well it never was, instead I was sent billing statements and a generic bill of sale with none of my account information on it, I did this 4 times and was never sent proper validation, here it is and we are still headed to court with no proof of validation, this is a violation of my rights as a consumer. Also by being a third party debt collector they are in violation of the FDCPA ( Fair Debt Collection Practice Act ). Violations 806,807 ( 2 ) ,808,807 ( 11 ) 809,812.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 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!

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I recently received notice that my credit card would incur an increased annual fee starting in XX/XX/XXXX, attributable to new services that I neither need nor want. The fee would rise from my current rate of {$95.00} to {$150.00}. Upon contacting customer support to inquire about opting out or downgrading my card, I was informed that neither option would be available until XXXX XXXXby which time the higher fee would already be in effect. The only alternative offered was to cancel the card, which I have maintained since XXXX. 

I find it unacceptable that there is no choice to opt in or out of these additional services and that the annual fee increase is so substantial. I am writing to register my complaint and request that the company reconsider these policies, as they leave loyal customers with limited and unfair options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: IN

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 2025-03-25 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: IN

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 non-monetary relief
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Consumer Financial Protection Bureau Online Complaint Portal : www.consumerfinance.gov/complaint Subject : Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting of Closed Secured Card Account Complaint Details Account Information : Creditor : XXXX XXXX XXXX Account Type : Secured Credit Card Account Number : XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Reported Status : " Paid, Closed '' with 5 Late Payments ( 30-150 days delinquent ) Violations Identified FCRA 623 ( a ) ( 5 ) Duty to Provide Accurate Information XXXX XXXX is reporting 5 late payments ( XXXX XXXX ) on an account that was closed with a {$0.00} balance. 

Secured cards are backed by a cash deposit ; late payments are typically fees, not actual missed payments. XXXX XXXX can not prove these lates are valid. 

FCRA 605 ( a ) ( 1 ) Obsolete Information The account was closed in XX/XX/XXXX, yet it continues to report outdated late payments, artificially depressing my credit score. 

CFPB XXXX XXXX Unverified Information XXXX XXXX XXXX not provide original signed payment records to verify these late payments, making them unverifiable and requiring deletion. 

FCRA 611 Dispute Investigation Failure I previously disputed this account with credit bureaus, but XXXX XXXX  failed to conduct a proper investigation and continues reporting inaccuracies. 

Demands for Immediate Action Delete the Entire Account from all credit bureaus. 

Correct My Credit Report to remove all late payments. 

Provide Written Confirmation of deletion within 15 days. 

Legal Consequences for Non-Compliance If XXXX XXXX XXXX to resolve this, I will : Sue under FCRA 616 ( XXXX, XXXX XXXX in statutory damages per violation ). 

File complaints with the FTC and Maryland Attorney General.

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 2025-03-25 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I thought the economy was tough, but seeing my credit report made it clear what's even worse its filled with inaccurate information thats causing me overwhelming stress. As a consumer, I have the right to an accurate credit report, yet these errors are holding me back. Its disheartening to face constant financial setbacks and the emotional toll is unbearable. I cant even consider seeking professional help for my XXXX XXXX  because I know my credit cards will be declined due to these unjustly low scores.

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 2025-03-25 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: LA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to TransUnion. Despite making the payment on time, it has been incorrectly marked as late on my credit report. This false information has unfairly damaged my credit score, and the continued presence of this error is unacceptable.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/year>XXXX XXXX XXXXXXXX was transferred from XXXX to Wells Fargo by check. Promised to clear in 2 days. A call was received by Wells Fargo for a 3 way call to XXXX. The XXXX verified I am the person on the check and on the account. Funds were released to Wells Fargo. Wells Fargo then explained to me 3 days later that account was frozen. Funds frozen. And my account would be deleted. This is theft. Fraud. Legally can hold funds for 14 days. 16 days I do not have my funds and they are still telling me there is no resolution on the account. 
The money is for XXXX aunt on a reverse mortgage to pay her bills. This is now XXXX  abuse. They were informed. They do not care. 
Attorney is now involved and I will be lobbying to have Wells Fargo removed from the state.

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 2025-03-25 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: WI

Complaint narrative:
On or about XX/XX/year>XXXX  I called Equifax Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA 605B ( 15 USC 1681c-2 ) and 15 USC 1681b . The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The representative I spoke with said there is nothing they can do about removing these fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquires were a violation of the ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 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: GA

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 explanation
Consumer complaint received 2025-03-25 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: PR

Complaint narrative:
In my report are this account that not belong to me, I wasvictim for ID theft an the account still reporting on my credit the account are : XXXXXXXX XXXX XXXX XXXX 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 2025-03-25 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: PR

Complaint narrative:
In my report are this account that not belong to me, I wasvictim for ID theft an the account still reporting on my credit the account are : XXXXXXXX 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/, I sent a letter of dispute regarding this debt, as I am not obligated to pay the amount stated. The debt appears to be based on services that were not required for my lease agreement with XXXXXXXX XXXX XXXXXXXX, where I was explicitly told that I was not required to pay a deposit upon move-in. In fact, the leasing department confirmed that a {$0.00} deposit was required for my tenancy. 

Furthermore, I emailed XXXXXXXX XXXX XXXX XXXX, declining their services due to this requirement. After I declined their services, I did not receive any further communication from them until I was contacted by XXXX XXXX XXXX regarding the collection of the debt. 

I immediately reached out to XXXX XXXX XXXX to dispute this debt and followed up with an email. I also submitted disputes through Experian, TransUnion, and Equifax, providing clear documentation, including the lease agreement from XXXXXXXX XXXX XXXXXXXX, which confirms that no deposit was required for my move-in. 

Despite providing these details, all three credit bureaus have continued to report the collection as valid, which is inaccurate given the evidence provided. I request that this issue be re-evaluated and that the collection entry be removed from my credit report as the debt is invalid. 

Please see the attached communication and documents for your reference, including my lease agreement and all correspondence related to the dispute. 

I appreciate your immediate attention to this matter and expect the removal of this collection from my credit report. Please inform me of the steps you are taking to resolve this issue and confirm the outcome.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/, I sent a letter of dispute regarding this debt, as I am not obligated to pay the amount stated. The debt appears to be based on services that were not required for my lease agreement with XXXXXXXX XXXX XXXXXXXX, where I was explicitly told that I was not required to pay a deposit upon move-in. In fact, the leasing department confirmed that a {$0.00} deposit was required for my tenancy. 

Furthermore, I emailed XXXXXXXX XXXX XXXX XXXX, declining their services due to this requirement. After I declined their services, I did not receive any further communication from them until I was contacted by XXXX XXXX XXXX regarding the collection of the debt. 

I immediately reached out to XXXX XXXX XXXX to dispute this debt and followed up with an email. I also submitted disputes through Experian, TransUnion, and Equifax, providing clear documentation, including the lease agreement from XXXXXXXX XXXX XXXXXXXX, which confirms that no deposit was required for my move-in. 

Despite providing these details, all three credit bureaus have continued to report the collection as valid, which is inaccurate given the evidence provided. I request that this issue be re-evaluated and that the collection entry be removed from my credit report as the debt is invalid. 

Please see the attached communication and documents for your reference, including my lease agreement and all correspondence related to the dispute. 

I appreciate your immediate attention to this matter and expect the removal of this collection from my credit report. Please inform me of the steps you are taking to resolve this issue and confirm the outcome.

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