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: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account has been DEEMED a non profit loss and reported directly to the IRS and with that being said it can not be updated each month as a delinquency its a violation of the FCRA 15 USC 1681 S-2 & 15 USC 1681 EB

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: Affirm Holdings, Inc
State: IN

Complaint narrative:
Account XXXX This contract was breached when you discontinued communication in XXXX, XXXX, XXXX XXXX is unlawful to not notify the customer any bills regardless of the method. However you have multiple times and even admitted to discontinuing communication. Not only that to formally dispute inaccurate and misleading information that is currently being reported on my credit-file. The account in question is from AFFIRM and appears as a charged-off revolving account. 
Upon review of my credit report, I noticed that this account is being reported as a charge-off month after month for an extended period, specifically on XXXX. This violates the Metro 2 credit reporting format and the Fair Credit Reporting Act ( FCRA ), which both stipulate that a charge-off is a one-time event, not a recurring delinquency that can be reported repeatedly to further damage a consumer 's credit standing. 
Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of the account and fails to accurately reflect the historical status of the account. This tactic is not only unfair but also non-compliant with federal credit reporting laws and guidance from the Consumer Financial Protection Bureau ( CFPB ). 
Furthermore, there are inconsistencies across credit bureaus on this same account, including different " date of last activity '' and credit limit reporting. These discrepancies indicate a lack of verified, consistent data- which calls the integrity of the record into question.

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: TX

Complaint narrative:
I recently pulled my credit report and discovered that XXXXXXXX XXXX XXXX XXXX XXXX is inaccurately reporting six late payments on my account ( ending in XXXX ), including severe 60-day delinquencies in XXXX  that are factually incorrect and damaging. I have disputed this account multiple times, provided supporting evidence, and clearly outlined that this reporting is either a result of internal data errors, identity confusion, or negligent furnishing of information by the creditor. 

Despite my repeated efforts, the false late payments remain, harming my credit score and preventing me from reaching critical financial milestones. These entries do not reflect my actual payment behavior and are being willfully reported with no verification process in place, which violates multiple provisions under the FCRA ( 15 U.S.C. 1681i, 1681s-2 ). 

The credit bureaus and data furnishers are refusing to fully investigate or correct the issue, and they have not provided any lawful verification that the derogatory marks are accurate. Ive taken every legal step required as a consumer, yet Im being ignored. This is a direct violation of my consumer rights, and the emotional distress, lost financial opportunities, and damage to my reputation are unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and discovered that XXXXXXXX XXXX XXXX XXXX XXXX is inaccurately reporting six late payments on my account ( ending in XXXX ), including severe 60-day delinquencies in XXXX  that are factually incorrect and damaging. I have disputed this account multiple times, provided supporting evidence, and clearly outlined that this reporting is either a result of internal data errors, identity confusion, or negligent furnishing of information by the creditor. 

Despite my repeated efforts, the false late payments remain, harming my credit score and preventing me from reaching critical financial milestones. These entries do not reflect my actual payment behavior and are being willfully reported with no verification process in place, which violates multiple provisions under the FCRA ( 15 U.S.C. 1681i, 1681s-2 ). 

The credit bureaus and data furnishers are refusing to fully investigate or correct the issue, and they have not provided any lawful verification that the derogatory marks are accurate. Ive taken every legal step required as a consumer, yet Im being ignored. This is a direct violation of my consumer rights, and the emotional distress, lost financial opportunities, and damage to my reputation are unacceptable.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth:XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of - Collection : XXXX - Acct # XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth:XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of - Collection : XXXX - Acct # XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX Subject : Dispute of Repeated Charge-Off Reporting FCRA 1681s-2 ( a ) ( 1 ) ( A ) Violation To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful reporting of several accounts on my credit file. These accounts are being reported as charged off across multiple months, which constitutes repetitive charge-off reporting a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Guidelines. 
Accounts in Violation : XXXX XXXX Account # : XXXX Charged off in XX/XX/XXXX, but CO is being reported every month into XXXX. 

XXXX XXXX Bank ( XXXX XXXX ) Account # : XXXX Charged off in XX/XX/XXXX. Repeated CO marks are shown monthly from XXXX through XXXX, which is inaccurate and harmful XXXX XXXX XXXX XXXX ( XXXX accounts ) Account # : XXXX Charged off in XXXX, but both accounts continue to show monthly CO marks all the way through XX/XX/XXXX. 

Legal Basis for Dispute : Under FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report only accurate and complete information. Reporting a charge-off month after month misleads lenders, exaggerates the accounts negative impact, and falsely implies ongoing delinquent activity.

According to Metro 2 credit reporting standards, a charge-off is a one-time event, not a recurring monthly status.

Request for Immediate Action : I am requesting the following under FCRA 15 usc 1681i : A formal reinvestigation of the above accounts.

Immediate removal or correction of all repeated charge-off entries.

Written confirmation of the outcome within the legally required timeframe.

If these items can not be properly verified and corrected, they must be deleted from my credit report entirely.

Thank you for your attention and compliance. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 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 2025-07-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, XXXX : XXXX. I hold the following accounts with Citibank : Checking Account : XXXX Savings Account : XXXX CD Account : Currently unavailable Citibank unilaterally closed my accounts and suspended my access to my funds, despite a large balance being present. This action appears to be an attempt to avoid fulfilling its obligation to pay me the {$750.00} New Priority Tier Bonus and the to-be-accrued CD interest.

I hereby demand that Citibank : 1. Pay the {$750.00} promotional bonus as agreed 2. Release all of my funds immediately, including shall-have-accrued interest for my total account balance at the applicable CD rate up to the release date, as I had originally intended to move all funds to a CD account.

3. Mail me detailed account statements for all my accounts from account opening to fund release. 

Additionally, please update my mailing address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I reserve the right to pursue legal action to recover all damages resulting from Citibanks wrongful actions. 

Sincerely, 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 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing several inaccurate addresses reporting on my credit file. The only correct address associated with my credit profile is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX The following addresses are incorrect and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( incomplete address ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never resided at or used these addresses. Their inclusion is inaccurate and potentially linked to accounts or inquiries that do not belong to me. 

I am requesting immediate deletion of all inaccurate addresses and an updated credit report reflecting this correction. 

I am attaching a copy of my government-issued ID and a utility bill showing my correct address.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 1681 C-2 ) that you TransUnion XXXX  and XXXX. Credit reporting agency block information appearing on my consumer credit report. That is the result of identity theft and fraud within 4 business day of receiving this complaint. In addition ( 15 U.S.C 6802 Obligations with Respect to disclosures of personal information ) This law stats that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. All of the aforementioned accounts, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft fraud

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
on XX/XX/year>, I opened a new checking account at Huntington Bank. 
I used the account regularly until my funds were frozen without any warning on : XX/XX/year>. 

I went to my local branch, and inquired what happened, and was told that my account was frozen and I was in the process of being de-banked for " risk ''. 

I asked for more information, but nobody could get me a straight answer. 
I inquired about when I would get my funds back, and nobody seemed to know anything.

One kind personal banker even took my information to call me back later in the day stating that she would investigate further and try to get some answers for me.

I was never called back. 

I still get emails about new products and features that I are available to me as a loyal Huntington Bank member, and I can login and see my balance of {$3800.00}, and even use my bank card at ATM 's to still view my balance ( now in XXXX ). 

However, I can not withdraw any of that money and any money through the ATM, and any other deposits and withdraws through other services are locked and suspended. 

Huntington Bank has caused me all sorts of headaches and missed payments of utilities and rent that I have had to scramble and cover at huge expenses to me as they still have my funds seized. And I am really tired of this nonsense.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of a data breach that has compromised my personal identifying information without my consent. Due to this breach, I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and any other applicable consumer protection laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief