vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
On XX/XX/XXXX I received a certified letter from Huntington bank. The letter stated that they have chosen to close my account and I have 10 days from receipt of the letter to withdraw my funds and the account would be closed. On XX/XX/XXXX i withdrew {$300.00} from my account leaving a balance around {$5.00}. About XXXX  XXXX I began receiving emails from Huntington saying that my balance was low. On XX/XX/XXXX I went in to a branch to resolve my low balance. They advised me that my balance was negative {$310.00} from XXXX XXXX 's that went through on on XXXX and XX/XX/XXXX. XXXX of those being my car payment. I was unable to pay {$310.00} at the time and gave them the {$100.00} I brought as the most recent email said - {$85.00}. on XX/XX/XXXX I received an email from my finance company saying the payment had been returned and I was assessed an additional fee for the returned payment. Currently they have disabled my online account access and revoked my debit card. When I call the XXXX number to ask what my balance is currently they only say, my account is suspended and I will receive a letter in the mail. When I went in to the branch I was told the same thing that they cant access or help me with my account however, I continue to be subject to overdraft fees for every day and for transactions that were returned. They refuse to let me pay up and close my account but continue to charge me daily fees. I have no access to any statements to challenge or revise these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
{$550.00} - Midland Credit Management, XXXX XXXX XXXX  - -Contacted XX/XX/year> when i discovered the collections on my report. I requested legal and binding documentation of the agreement to pay as well as requested that the charges be removed due to no wet signature or knowledge of the reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against American Express ( AMEX ) for violating the Fair Credit Reporting Act ( FCRA ) by reporting a business credit card account on my personal credit report and failing to provide me with the legally required 30-day notice to dispute the debt before reporting it to the credit bureaus.

Violations by American Express : Unlawful Reporting of Business Account Business credit card accounts should not be reported on my personal credit report unless explicitly agreed upon in writing. However, an AMEX business credit card collection has been improperly reported under my personal credit history, negatively impacting my personal credit score. This is a misrepresentation of my consumer credit obligations and violates my rights under the FCRA.

Failure to Provide 30-Day Notice Before Reporting to Credit Bureaus Under the Fair Debt Collection Practices Act ( FDCPA ) and Section 623 of the FCRA, I am entitled to receive a written notice before negative information is furnished to consumer reporting agencies. I never received such a notice, depriving me of the opportunity to dispute or validate the debt before it was reported. This omission is a direct violation of my consumer rights. 

I request that the CFPB investigate AMEX for these violations and require them to immediately remove this improper collection from my personal credit report. Additionally, I seek confirmation of AMEXs policies regarding reporting business credit accounts on personal credit reports. 

Thank you for your attention to this matter. Please keep me informed of any developments in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
established XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established XX/XX/XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 2025-03-31 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: IL

Complaint narrative:
established XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  established XX/XX/XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
This account is inaccurately reported as a personal liability. In reality, it pertains to a property owned by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and is not a personal obligation. At the time of signing, I acted solely as the managing member of the XXXX, not in a personal capacity. Furthermore, I received written assurance from the companys representative that this account would not affect my personal credit. 

Enclosed are copies of : XXXX. The text message from the company representative confirming that the account would not impact my personal credit. 
XXXX. Documentation evidencing the propertys ownership under my XXXX 

I kindly request that you investigate this matter and remove the inaccurate account from my personal credit report. Please inform me of the outcome of your investigation at your earliest convenience.

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 2025-03-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
When applying for a loan, Nissan did XXXX hard inquiries to mine and my husbands credit score. 
Both our scores dropped by XXXX points each. 
I believe we were taken advantage of because we are both senior citizens. 
We were duped into leasing a vehicle we could not afford. 
This company was investigated by DMV due to many errors in the registration process. 
They made an error and never enrolled us in automatic payment, this made us miss a payment unknowingly. This too dropped our credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am writing to file a formal identity theft dispute and to demand the immediate removal of all fraudulent accounts, inquiries, and addresses currently being reported on my credit file. These items are the result of identity theft and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, which requires deletion within 4 business days of receiving proof of identity theft.

I have included Identity Theft Report # XXXX as required by law to substantiate my claim. 

Despite clearly identifying multiple unauthorized accounts, inquiries, and addresses resulting from identity theftand providing documentation as required under FCRA 605Bthe fraudulent information continues to report to my credit report. This is a direct violation of FCRA 605B.

The credit reporting agencies have failed to block or delete this fraudulent information within the required 4 business days, as mandated by law below : Fraudulent Accounts ( Result of Identity Theft ) : XXXX. XXXX XXXX Acct # : XXXX {$160.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct # : XXXX {$740.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct # : XXXX {$1200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct # : XXXX {$570.00} Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Acct # : XXXX {$990.00} Opened : XX/XX/XXXX Fraudulent Addresses ( Never Associated With Me ) : XXXX XXXX, XXXX, IL XXXX XXXX Foster, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Fraudulent Hard Inquiries ( Unauthorized by Me ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am writing to file a formal identity theft dispute and to demand the immediate removal of all fraudulent accounts, inquiries, and addresses currently being reported on my credit file. These items are the result of identity theft and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, which requires deletion within 4 business days of receiving proof of identity theft.

I have included Identity Theft Report # XXXX as required by law to substantiate my claim. 

Despite clearly identifying multiple unauthorized accounts, inquiries, and addresses resulting from identity theftand providing documentation as required under FCRA 605Bthe fraudulent information continues to report to my credit report. This is a direct violation of FCRA 605B.

The credit reporting agencies have failed to block or delete this fraudulent information within the required 4 business days, as mandated by law below : Fraudulent Accounts ( Result of Identity Theft ) : XXXX. XXXX XXXX Acct # : XXXX {$160.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct # : XXXX {$740.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Acct # : XXXX {$1200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Acct # : XXXX {$570.00} Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Acct # : XXXX {$990.00} Opened : XX/XX/XXXX Fraudulent Addresses ( Never Associated With Me ) : XXXX XXXX, XXXX, IL XXXX XXXX Foster, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Fraudulent Hard Inquiries ( Unauthorized by Me ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All dated XX/XX/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 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I took out a loan with Associated Bank in XX/XX/XXXX. Terms of my PMI were removal at 80 % LTV.

Associated Bank sold my loan to XXXX XXXX in XX/XX/XXXX. I was notified by a letter that said nothing more than that the loan was sold and Associated Bank would continue to be my servicer. 

I reached 80 % of my original loan value and requested to have my PMI removed via email address that my loan servicer, Associated Bank, gave me. This was on XX/XX/XXXX. I received a letter from Associated Bank dated XX/XX/XXXX saying that the request was denied because XXXX XXXX requires 70 % LTV, an appraisal, and XXXX years seasoning. 

I emailed back to the company saying that I never agreed to those terms and that by law they can't be changed. Therefore, I still need the PMI removed. I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
Dear Equifax, I am writing once again to dispute the reported payment history inaccuracies on my XXXX account , as the information remains both incorrect and incomplete despite my previous attempts to resolve these issues. The Fair Credit Reporting Act ( FCRA ) obligates credit reporting agencies to ensure credit reports ' accuracy and completeness. 

The discrepancies in my payment history include : - XXXX : Reported as 60 days late - XXXX : Reported as 90 days late - XXXX : Reported as 120 days late - XXXX : Blank - XXXX : Reported as 150 days late - XXXX : Reported as 120 days late - XXXX : Reported as 90 days late Additionally, the report states my last payment was supposedly made in XX/XX/year>, though the report shows no payment listed for that period. This inconsistency further highlights the inaccuracies in my credit report that must be addressed. 

Previously, I submitted a complaint through the CFPB Complaint Portal regarding these inaccuracies, and the fact you hvae no provided the information on the account deletion that the creditor agreed to. In response, Equifax noted an investigation completion and verification of information accuracy, updating some fields but failing to rectify the core inaccuracies listed above. According to the FCRA : - Under 15 U.S.C. 1681e ( b ), you must maintain procedures to assure maximum possible accuracy of information. 
- As outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be promptly deleted or modified.

- As per 15 U.S.C. 1681s-2 ( b ), furnishers must investigate claims and correct inaccuracies. Failure to comply with these mandates could result in civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Given these legal obligations, I request you expedite this investigation and correction process within 15 days. Please provide written confirmation once you have resolved these inaccuracies. 

Attached are supporting documents to aid this process. 

Thank you for your immediate and thorough attention to this longstanding issue. 

Sincerely, 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 2025-03-31 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding an account listed on my credit report with XXXX XXXX Bank. This account was charged off on XX/XX/XXXX, and I paid off the full balance on XX/XX/XXXX. However, despite the account being paid in full, it continues to be reported as a " charge-off '' on my credit report, which is inaccurate. 

In addition, I am noticing several discrepancies regarding the payment history on this account across the different credit reporting agencies ( Experian, Equifax, and TransUnion ) : Experian : A " Not Determined '' ( ND ) status for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

A late payment marked as 30 days late in XX/XX/XXXX, despite the account being paid on time with Equifax. 

A 30-day late payment in XX/XX/XXXX, followed by a 60-day late payment in XX/XX/XXXX, which is inaccurate, as I made timely payments during this period on Equifax. 

Equifax : The account was marked as " Not Determined '' ( ND ) in XX/XX/XXXX but was paid on time in XX/XX/XXXX. 

The payment in XX/XX/XXXX was listed as 30 days late on Experian, while it was paid on time with Equifax. 

Late payments from XXXX and XX/XX/XXXX do not match with the actual payment history, further causing discrepancies across agencies. 

TransUnion : There is no payment history showing up on my TransUnion credit report, despite the fact that the account was reported to other agencies. 

I believe this situation violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and complete. Under the FCRA, I am entitled to dispute inaccuracies and request that they be corrected promptly. These inaccuracies are misleading, as they present a false representation of my payment history and account status, which is damaging my credit score.These errors are harming my credit score and financial standing, and I respectfully request prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding an account listed on my credit report with XXXX XXXX Bank. This account was charged off on XX/XX/XXXX, and I paid off the full balance on XX/XX/XXXX. However, despite the account being paid in full, it continues to be reported as a " charge-off '' on my credit report, which is inaccurate. 

In addition, I am noticing several discrepancies regarding the payment history on this account across the different credit reporting agencies ( Experian, Equifax, and TransUnion ) : Experian : A " Not Determined '' ( ND ) status for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

A late payment marked as 30 days late in XX/XX/XXXX, despite the account being paid on time with Equifax. 

A 30-day late payment in XX/XX/XXXX, followed by a 60-day late payment in XX/XX/XXXX, which is inaccurate, as I made timely payments during this period on Equifax. 

Equifax : The account was marked as " Not Determined '' ( ND ) in XX/XX/XXXX but was paid on time in XX/XX/XXXX. 

The payment in XX/XX/XXXX was listed as 30 days late on Experian, while it was paid on time with Equifax. 

Late payments from XXXX and XX/XX/XXXX do not match with the actual payment history, further causing discrepancies across agencies. 

TransUnion : There is no payment history showing up on my TransUnion credit report, despite the fact that the account was reported to other agencies. 

I believe this situation violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus be accurate and complete. Under the FCRA, I am entitled to dispute inaccuracies and request that they be corrected promptly. These inaccuracies are misleading, as they present a false representation of my payment history and account status, which is damaging my credit score.These errors are harming my credit score and financial standing, and I respectfully request prompt attention to this matter.

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 2025-03-31 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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