vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00}

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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been requesting the following information from Huntington Bank in regards to my three accounts with them : Statement from an officer of the bank or other financial institutions with deposits, identifying the following details regarding the account : A. Date account opened ; B. Total amount deposited for the past year ; and C. Present balance.

These letters are needed for each of my accounts. It is being requested of me by XXXX for immigration purposes. I have been trying for weeks to get the letters. 

I went to my home branch and was told they will not provide it. I called a branch in another city and was assured they can provide exactly what I requested, but when I showed up they could not provide it. 

I have faxed several requests ( along with proper ID ) over to the verification department and have had no response. 

I contacted XXXX XXXX himself and was directed to someone to assist. XXXX person contacted the appropriate department the week of XX/XX/XXXX and assured me my letters would be ready after XXXX on XX/XX/XXXX and that I can pick them up at my home branch. 

I went to the home branch XX/XX/XXXX at XXXX and they looked at me like I had XXXX heads. No idea what that letter is. They have nothing for me. Called the contact at corporate and she has no idea either. 

I have accounts with XXXX, XXXX and XXXX as well. They got my letters the same day when I walked in. No issues. 

Why is Huntington not providing me with the requested information for my own accounts?

I am ready to seek legal counsel as they are delaying my visa with their inability to provide verification of my own money.

UNACCEPTABLE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ 18.6M ; Thomas v. TransUnion $ 5.3M ).

- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

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 2025-07-01 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: GA

Complaint narrative:
I am reporting inaccurate and inconsistent credit reporting by XXXX XXXX. 

Between XX/XX/year> and XX/XX/year>, XXXX XXXX reported a charged-off auto loan to Experian with a past due balance of {$17000.00}. However, the same account appears on TransUnion with a {$0.00} balance, closed status, and no derogatory payment history. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires that data furnished to credit bureaus be accurate, complete, and consistent. I disputed the Experian entry due to this inconsistency, but no correction has been made. 

I am requesting that XXXX XXXX : XXXX. Fully validate the reported balance and status on Experian XXXX. Or remove or correct the account if it can not be verified as accurate and consistent across all bureaus This inaccurate and conflicting information is causing serious harm to my credit profile and financial well-being.

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 2025-07-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing 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 explanation
Consumer complaint received 2025-07-01 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In violation of us code15USC1681 derogatory items placed on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX  my digital card was fraudulently used to pay for XXXX XXXX when the app states get the latest news and episodes for free. However, after downloading the app I was charged {$12.00} for it. This payment was not authorized by me and was done without my knowledge. 
I filed a claim against this unauthorized transaction on XXXX XXXX  with Bank of America and had that card deleted with a new card coming through rush delivery from XXXX. 
So today, XX/XX/year>, I used my digital card to pay my storage bill at XXXX XXXX XXXX. Later today I attempted to use my digital card again to pay for some gas, but was unable to tap and pay for the gas. 
I immediately called Bank of America to ask them why was I unable to use my digital card to tap and pay for gas? The representative told me that I wont be able to tap and pay for any purchases until my physical debit card arrives in 4 to 5 business days and I activate it to do so.

I informed the representative that I havent had a physical debit card in over two months because Im homeless and receive my mail at the XXXX XXXX XXXX XXXX and they keep telling me the card hasnt arrived every time I check on my mail. So theres no guarantee that Im going to get this new card even though its coming through XXXX. I added I was able to tap and pay before while I was waiting for the last debit card to arrive. So I should be able to use my digital card to tap and pay while waiting for this new card to arrive. 
I also stated I shouldnt be treated any differently from other similarly situated Bank of America clients. 
Nothing I said was able to get the representative to activate my digital card to tap and pay. 
Hence, the current complaint for discriminatory treatment against Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Purchased an item on XXXX in XXXX last year. It was guaranteed delivery before Christmas, but it was delivered later. No longer need it since it can not be used for a Christmas party gift. And XXXX wants to charge a restocking fee even though they missed their promise. I filed a dispute right after, and after six months, my credit card company is declining my dispute with no reason provided.

Now I am screwed since the return window is closed and tracking info no longer avaliable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following date : XX/XX/2022. I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Recredit Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] To Whom It May Concern, This letter serves as a formal dispute regarding the above referenced claims tied to unauthorized transactions on my account. I have been the victim of identity theft, and I have provided SOFI with numerous pieces of valid documentation supporting my claims, including : Direct email correspondence from the involved merchants confirming the transactions were unauthorized or unfulfilled ; A police report documenting the identity theft ; and A formal letter from my attorney detailing the legal basis of my claim.

Despite my full cooperation and submission of substantial proof, SOFI has failed to provide any sufficient evidence that these transactions were valid or authorized by me. Instead of assisting me in recovering my funds, SOFI unjustifiably closed my account, which is both inappropriate and potentially unlawful.

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ), I am entitled to a prompt and thorough investigation into any unauthorized electronic fund transfers. These laws also require provisional credit if an investigation is not completed within 10 business days. SOFI has not adhered to these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
b'My name is XXXX XXXX XXXX XXXX. I am filing a complaint regarding my 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I financed under contract XXXX XXXX XXXX with Honda Financial Services.\n\nOn XXXX XXXX XXXX  I purchased the vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the vehicle was stolen. It was later recovered by the San Francisco Police Department XXXX XXXX XXXX XXXX XXXX XXXX in Sacramento in a stripped condition  missing the engine, seats, and multiple key components  rendering it completely inoperable and valueless.\n\nI reported the loss to my insurer (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but they denied coverage due to policy limitations. As a result, I am still being held liable for the outstanding loan balance oXXXX XXXX on a non-functioning, worthless asset.\n\nOn XXXX XXXX XXXX, my attorney sent Honda Financial Services a formal demand letter requesting to settle the account foXXXX XXXX as a lump sum in good faith, supported by all documentation including the police report, insurance denial, and photos of the damaged car. Honda Financial Services has ignored all communication from my attorney and has refused to acknowledge or negotiate any settlement offer.\n\nI believe this is an unreasonable and unethical collection practice, especially given the total loss of the vehicle and my good-faith efforts to resolve the debt. I am requesting CFPB assistance in compelling Honda Financial Services to respond to my attorney and resolve this matter fairly.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00}

Company response to consumer: Closed with non-monetary relief