vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing a complaint against Huntington National Bank for reporting my checking account to XXXX XXXX XXXX as abuse and closed for cause, despite no fraud, no loss, and no misuse occurring. 

In early XXXX, my Huntington account showed a negative balance of approximately ( {$370.00} ) on XX/XX/XXXX, which was fully recovered to {$340.00} by XX/XX/XXXX. This clearly indicates the account was funded and no financial loss was sustained by the bank. An ACH deposit had already been scheduled and simply posted after the returned checks cleared.

Nonetheless, Huntington flagged my account as abusive and submitted that report to XXXX XXXX which I believe is both inaccurate and discriminatory. I am a XXXX woman who has experienced disparate treatment in the banking system before. Huntington never filed a fraud claim and has not shown any evidence of true abuse or account misuse. They simply closed the account and reported it negatively.

Additionally, the dates in my XXXX XXXX report appear to be inaccurate, as this incident happened in XXXX, not XXXX, a potential FCRA violation for reporting outdated or misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
On XXXX 25 I sent a Method of Verification Request Under FCRA 611 but have yet to hear from them.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found out through my ID fraud insurance report that I have a bad credit score. After looking into all 3 credit reporting companies, I had found my 2019 credit freeze was lifted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Chime Financial Inc
State: NC

Complaint narrative:
On Friday XX/XX/XXXX, I was over charged letting all parties XXXX XXXX XXXXXXXX and Chime aware and still have not received refund from Chime banking after it was released from merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account listed below is reporting late payments which I believe are incorrect or unverifiable. 

Account Name : SELF FINANCIAL/LEAD BANK Account Number : XXXX The late payments reported in [ XX/XX/year>2022 ] are incorrect. I request verification of this information or immediate removal of the derogatory marks under the Fair Credit Reporting Act ( FCRA ). 

Please investigate and correct the inaccurate information or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/scrub>/2024 XXXX XXXX XXXX  Date : XXXX/XXXX/2024 XXXX XXXX XXXX L Date : XXXX/XXXX/2024 XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the reporting of an account by XXXX XXXX ( Account Number : XXXX ) that appears on my credit report. I have no knowledge of this account and do not recall ever opening or authorizing it. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated and permanently removed from my credit report if it can not be fully verified with supporting documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear American Express Credit Reporting Department, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of an American Express account that has been charged off and closed for several years, yet continues to be reported on my credit file as recently delinquent with ongoing late payments.

This is factually incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). Once an account has been charged off and closed, it is no longer legally allowed to accrue additional late payments or report as such. The continued updates to this account as past due are misleading, harmful, and entirely improper.

As a result of your erroneous reporting : My credit score has been unjustly harmed ; My payment history has been misrepresented ; I have been denied access to credit and financial opportunities ; My rights under federal consumer protection laws have been violated.

This is not only a factual inaccuracy but also grounds for legal action if not promptly corrected. I demand that you : 1. Immediately delete this account in its entirety from all credit reporting agencies ( XXXX XXXX and XXXX  ), or Please provide a written response confirming your investigation, including a copy of any documentation used to verify the reporting. If this matter is not resolved within 30 days, I will pursue legal representation. 
I expect your cooperation and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear American Express Credit Reporting Department, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of an American Express account that has been charged off and closed for several years, yet continues to be reported on my credit file as recently delinquent with ongoing late payments.

This is factually incorrect and a violation of the Fair Credit Reporting Act ( FCRA ). Once an account has been charged off and closed, it is no longer legally allowed to accrue additional late payments or report as such. The continued updates to this account as past due are misleading, harmful, and entirely improper.

As a result of your erroneous reporting : My credit score has been unjustly harmed ; My payment history has been misrepresented ; I have been denied access to credit and financial opportunities ; My rights under federal consumer protection laws have been violated.

This is not only a factual inaccuracy but also grounds for legal action if not promptly corrected. I demand that you : 1. Immediately delete this account in its entirety from all credit reporting agencies ( XXXX XXXX and XXXX XXXX, or Please provide a written response confirming your investigation, including a copy of any documentation used to verify the reporting. If this matter is not resolved within 30 days, I will pursue legal representation. 
I expect your cooperation and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and the accounts associated should be removed.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and the accounts associated should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and the accounts associated should be removed.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
This was not something that I opened, this is something that had to have been able to happen because XXXX XXXX XXXX had a data breach with all of my information, this was not opened by me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
My loan applications are being denied due to inaccurate information on my credit report. Ive met all of my financial obligations, yet these errors continue to block access to credit and have caused ongoing frustration.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion, Experian or Equifax did not complete the full investigation of my charge-off. I received a 1099. I am requesting that the charge-off be removed.

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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 
ACCOUNTXXXX 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and noticed multiple billing errors in accordance with the fair credit reporting w

hich has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose unless the information on section 1637b was mailed to the consume
r no later than 21 days.

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 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
RoundPoint Mortgage Servicing LLC Company NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXXl, SC XXXX This company is practicing some very alarming practices. I sat with my Banker last week and discussed this with him. He advised me to contact you. The Bank sends this Mortgage company a check for my mortgage each month, and for 3 years ( or thereabouts ) I never had a problem. However, this year, already 3 times and now already this month, they are saying they haven't got the check. Note : They got all the others but posted them after the grace period. Charging me a XXXX late charge. They have insisted on getting me to pay them directly via the internet electronically. I have always paid the way i do now. And like i said, until this year with this company, i never had a problem. The harassment and things said by their employees is disturbing. I have a XXXX-credit score always pay everyone on time. And now because they either dont have enough employees to carry out their service options or dont pick up the checks and have them distributed daily or because they want to charge me fees until I look to go somewhere else, because they dont like the interest rate i have on my loan. 

When i asked to have my account credited the late fees, i was told they dont do that. I dont believe anything they tell me anymore and would like you to investigate to find out if this is happening to other customers of theirs or am i the only one.

Company response to consumer: Closed with explanation