vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
Complaint Description ( Updated for XXXX XXXX ) : I am disputing the handling of the XXXX XXXX account by TransUnion and Equifax. This account was originally opened on XX/XX/XXXX, with the last payment made on XX/XX/XXXX. It was removed from my credit report and then re-added by TransUnion with a new last updated date of XX/XX/XXXX. This re-aging caused my TransUnion credit score to drop by XXXX points. 

Equifax also dropped my score XXXX points on XX/XX/XXXX, and another XXXX points on XX/XX/XXXX, in connection with this same account. 

I disputed this account because I have never been able to reach XXXX XXXX directly. All phone numbers lead to automated messages, and I have no way to speak to a representative or resolve the debt. I filed the dispute in hopes that it would provide me with contact information so I could pay off the balance. 

Instead, the dispute triggered a re-aging of the account and a massive score collapse. Disputes are not supposed to negatively impact credit scores. I am requesting a full investigation into how this account was re-aged, why it was removed and re-added, and how the dispute was handled. 

I also want a written explanation of how this update was verified, and why the account is still being reported as adverse despite being closed for years. This has caused me to lose access to housing and other financial opportunities.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
made a complaint about telephone XXXX ( XXXX  ) but it XXXX XXXX ) and now getting same calls 2 -- 3 times everyday different telephone XXXX about a credit card and account I never had or heard of

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint against Equifax for reporting a hard inquiry made by XXXX XXXX  on XX/XX/year>, which I did not authorize, initiate, or consent to. This inquiry appears on my Equifax credit report without my knowledge or any legitimate permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Under FCRA 604, a consumer credit report may only be accessed for specific and lawful purposes, including a consumer-initiated application for credit, insurance, employment, or a firm offer of creditnone of which apply in this case. I have not submitted any application to XXXX XXXX, nor have I authorized anyone to do so on my behalf. 

I formally disputed this inquiry with Equifax, requesting that they verify its legitimacy or remove it as unsubstantiated. Despite this, Equifax failed to provide adequate documentation from XXXX XXXX  validating the inquiry or proving a permissible purpose. The continued presence of this inquiry on my credit report is therefore a violation of FCRA, Metro 2 reporting standards, and basic consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and misleading information reported on my credit reports by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These accounts are currently being reported as charge-offs with incorrect balances, and this information is severely affecting my credit standing and personal life. 

I enrolled in a debt settlement program through XXXX XXXX, under the impression that they would negotiate and resolve my outstanding debts in a way that would help me avoid long-term damage to my credit. At no point during the enrollment or communication process was I informed that my accounts would be allowed to go into charge-off status as part of the process. This lack of disclosure constitutes a failure in providing essential consumer information. 

Furthermore, the reporting of these accounts with inaccurate balances and the status of charge-off may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be complete and accurate.

Specifically, I believe this situation violates the following sections of the FCRA ( 15 U.S. Code 1681 ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681s-2 ( b ) If a consumer disputes the accuracy of any information, the furnisher of the information is required to conduct a reasonable investigation and correct any inaccurate information. 

These inaccurate and misleading entries are damaging my ability to obtain credit, secure housing, and maintain peace of mind. I have disputed these entries with the credit reporting agencies and attempted to contact the creditors directly, but the information remains unchanged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and misleading information reported on my credit reports by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These accounts are currently being reported as charge-offs with incorrect balances, and this information is severely affecting my credit standing and personal life. 

I enrolled in a debt settlement program through XXXX XXXX, under the impression that they would negotiate and resolve my outstanding debts in a way that would help me avoid long-term damage to my credit. At no point during the enrollment or communication process was I informed that my accounts would be allowed to go into charge-off status as part of the process. This lack of disclosure constitutes a failure in providing essential consumer information. 

Furthermore, the reporting of these accounts with inaccurate balances and the status of charge-off may be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be complete and accurate.

Specifically, I believe this situation violates the following sections of the FCRA ( 15 U.S. Code 1681 ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681s-2 ( b ) If a consumer disputes the accuracy of any information, the furnisher of the information is required to conduct a reasonable investigation and correct any inaccurate information. 

These inaccurate and misleading entries are damaging my ability to obtain credit, secure housing, and maintain peace of mind. I have disputed these entries with the credit reporting agencies and attempted to contact the creditors directly, but the information remains unchanged.

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 2025-07-07 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 filing a complaint because my creditor is reporting late payments on my account with XXXXXXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A furnitures must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant

to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is th
e result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00}

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2025 I asked for a new debit/ATM XXXX to replace a card of mine that was being used by my children 's various on-line accounts. After I was issued this new card XXXX different times, my old profile associated with my original debit/ATM XXXX was XXXX making payments to my mortgage company, car payment and a personal credit card. I have made approximately XXXX calls to Citibank 's XXXX number and visited a Citi branch at least XXXX different times to try and have this original profile deactivated. The issue has been that each time they tell me that the problem has been fixed, I make my normal payments and then the original profile duplicates these payments! 

I was told that perhaps I should just close the account to fix this problem and this is a burden in that I have built out all of our families automated payment in the platform. 

This has been most impactful when my mortgage payment is duplicated because it basically wipes out my money for the month for my other bills and now I have gone into my overdraft several times to cover these expenses. Citi appears not to know how to fix this problem and each time I call it takes between XXXX and XXXX hours.

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 2025-07-07 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I had a bank account and debit card with Huntington National Bank. The account was closed on XX/XX/2025. 

Prior to XX/XX/2025, I used the Huntington XXXX ( ending XXXX ) to pay a deposit for a trip with a company called XXXX XXXX XXXX XXXX 

I requested a refund for the trip on XX/XX/2025. XXXX XXXX XXXX XXXX issued a portion of the refund to the closed Huntington National Bank XXXX on XX/XX/2025, even though the account was closed. 

When I initially called Huntington Bank about this, they said that since the account was closed when the refund was issued, the money would be returned to XXXX XXXX XXXX XXXX. Then when I called Huntington Bank today, they researched the transaction, and said that since the account was closed, the transaction came from XXXX XXXX XXXX XXXX came through Hungtington Bank and is now with the XXXX company. Huntington told me to call XXXX. 

Whenever I call XXXX, I keep getting rerouted back to Huntington Bank. So I keep getting the run-around : XXXX XXXX XXXX XXXX says they issued the refund back to my Huntington Bank debit card number ( ending XXXX ).. The XXXX transaction number is XXXX for {$1200.00}. 

Hungtinton Bank confirmed that the transaction came in on XX/XX/2025 but because the account was closed, the transaction went back to " XXXX ''. 

Whenever I try to call the toll free number to XXXX, I keep getting re-routed back to Huntington. I just want my refund of {$1200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX"On or about XXXX someone hacked my bank account, opened accounts in the middle of the night and bounced money from account to account until they XXXX  the account $XXXX. My mom who had a joint bank account received text alerts, as soon as the bank opened she called and my accounts were temp closed. Then we went to the bank in XXXX  CA and spoke to someone over the phone who started the investigation. the bank never contact me, did any investigation or provided any resources. They simply closed my account and kept the little money I had saved, about $XXXX  on one account and $XXXX  on another account. I'm XXXX  and depend on my money, they simply kept it. I am the victim of Identity theft, this is not okay to treat customer and not provide needed help when they are victims of FRAUD. the bank can easily track the money and see that it was not me and that I did not moved hte funds or take the funds. I need this resolved. Someone stole my information and used it in another state to open bank accounts. I've only live in California and only XXXX  years old, XXXX. Living with my mother. Someone hacked my bank account and open accounts as well and same day my mom who had jointed account contacted XXXX XXXX XXXX and they were to do an investigation and remove things BUT nothing was done and when I reached out to the bank no one would help, visiting the branch they would not help and said I needed to call the number of the ATM card but they treated me and my mom like we created this issue and allowed the fraud and Identity theft to transpired. I only had two credit card one for an appliance and another with XXXX XXXX XXXX which was closed. I've disputed the information with the XXXX XXXX and they removed my accessto attempt to monitor my account online. I need the information removed and updated to be accurate. MY ONLY RESIDENCE SINCE I WAS BORN: XXXX  XXXX XXXX XXXX  CA XXXX. AND I HAVE NEVER LEFT HOME OR USED ANY OTHER ADDRESS. ALSO MY BIRHTDAY ON IS XXXX, I SEE THE FRAUD PEOPLE USED SOME OTHER DATA. my valid accounts with XXXX XXXX XXXX are XXXX XXXX XXXX on XXXX on or about XXXX  california time they moved $XXXX  and $XXXX  which I have never had in my life around the account, after contact XXXX XXXX XXXX they opened a claim XXXX  and others to resolve they sent a notice that no loss was found and I AM WAITING ON RESOLUTION AS I AM GOING TO CONTACT THE NEW CHANNEL TO HELP ME BECAUSE I AM DESPERATE"

Company response to consumer: Closed with explanation