vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 non-monetary relief
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
Ive disputed with XXXX XXXX ( XXXX XXXX XXXX XXXX  ) multiple times on XXXX its showing opened when this account has been closed. Now that its a year or less from being off my credit ( XXXX years ) the balance has been increasing for the first time in XXXX years. After disputing they keep telling me the same thing to contact XXXX XXXX  which is where it was financed. It was bought from XXXX preowned which shortly after purchasing they closed down. I called them today ( XXXX XXXX  ) its showing its been charged off ( closed ) since XXXX, XXXX 2019 and that the charge off amount was XXXX but its showing on XXXX XXXX XXXX and keeps going up since XXXX of this year. But like I stated before its been closed since 2019 so it shouldnt be going up. I took the dealership that I got it from to court because the vehicle had so many issues they didnt show up so the judge told me it was thrown out so Im not even sure why Im being held responsible for this amount. Ive been trying to get help with this account for years but nothing is getting done about it. Its stopping me from buying a home for my children. Its just very aggravating. If someone can please help me resolve this it would be greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Huntington bank and their helpless phone staff wont let me access my money due to fraud even when I verified my account my card and who I am. They say theres nothing they can do any cant let me spend my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
On XX/XX/year>, I purchased a townhome in XXXX, Kansas, and my first payment was due XX/XX/year>. In a letter dated XX/XX/year>, I received a letter from Select Portfolio Services XXXX XXXX informing me that they were the new servicer for my mortgage loan and to submit payment to them ( Account No. XXXX ), and I enrolled in autopay for my mortgage. 

On XX/XX/year>, XXXX notified me that my was sold to XXXX on XX/XX/year>, and my new servicer was XXXX XXXX XXXX XXXX  XXXX XXXX and my mortgage payments should be sent to XXXX XXXX. 

Select Portfolio Services XXXX XXXX then sent me a letter dated XX/XX/year>, informing me that XXXX XXXX was now the servicer of my loan and I should submit my XX/XX/year> payment to XXXX XXXX. 

In a notification from XXXX XXXX dated XX/XX/year>, I was informed that XXXX XXXX would now be servicing my mortgage loan ( Account No. XXXX ). I called XXXX XXXX because I was confused with respect to who I should send my mortgage payments to and was informed that " definitely '' XXXX XXXX is where my mortgage payments should be sent. So I enrolled in autopay with XXXX XXXX on XX/XX/year>. 

Now BOTH Select Portfolio Servicing XXXX XXXX AND XXXX XXXX have deducted mortgage payments from my account. I CAN'T AFFORD TO PAY XXXX ( XXXX ) MORTGAGE PAYMENTS. Furthermore, both Select Portfolio Servicing, XXXX and XXXX XXXX deducted mortgage payments AFTER XX/XX/year>, when I specifically set up my payment to be deducted on XX/XX/year>! 

I believe Select Portfolio Servicing, XXXX deducted my mortgage payment from my account when they were not supposed to ; however, when I called Select Portfolio Servicing XXXX XXXX, they couldn't locate the letter they sent me dated XX/XX/year> informing me that XXXX XXXX would now be the servicer of my loan!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been attempting to remove my escrow account, since lowering my XXXX below 80 %. The company responded stating that my loan " did not qualify ". I have asked for written terms for escrow cancellation. This was requested, both in XXXX, through the CFPB and again, directly, through NEWREZ, on XX/XX/year>. I have still yet to receive written terms to remove an escrow account. This seems as if they are simply making up terms as they go. I did receive a letter, however, stating they have sold my loan. Strongly believe this is due to me continuing to bring up their unfair and deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 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: MA

Complaint narrative:
There are XXXX peoples addresses included on my EXPERIAN credit report. 
My correct address in XXXX  and a false address in XXXX  under my name. 
This has been a reported problem for XXXX ( XXXX ) years. 
Over the past XXXX  years, Ive attempted top cal and message EXPERIAN. 
Ive tried creating new passwords several times. 
Each time I attempt to login, my password is challenged as false/not accurate. 
Each time Ive attempted to telephone EXPERIAN, my call has been challenged and disconnected. 

Ive tried to createnew passwords both oline and by telephone. 
Each time I am challenged and I can go no further. 

The CFPB needs to correct EXPERIANs method of security which appears to be a nothing more than a ruse to exclude communications with the EXPERIAN Bureau.

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 2025-07-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity.

Please see attached all backup information : Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending of inquiries on my credit report. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the XXXX Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 
XXXXXXXX XXXX XXXX  Thanks in Advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-03 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. 

Under Section 605B of the FCRA, please block and delete the unauthorized items. Ive included a list of the disputed entries and my FTC Identity Theft Report. 

Please confirm once the corrections are made. Thank you.

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 2025-07-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting a formal request for reinvestigation into the fraudulent and inaccurately reported Midland Credit Management collection account ending in XXXX XXXXXXXX, which appears on my XXXX  credit report. This debt is the subject of my FTC Identity Theft Report # XXXX, filed XX/XX/XXXX. I never opened or authorized this account, and no documentation proving my responsibility has ever been provided. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c2 ), I have the right to block identity theft-related information from my credit reports. A police report is not required, and I have already submitted the required FTC report and written statement. According to FCRA 605B ( c ) ( 2 ) ( A ), the credit bureau must permanently block and delete the disputed data within 4 business days of receiving this valid identity theft documentation. That statutory deadline has passed, yet the account remains on file. 

Additionally, Midland Credit Management has failed to provide any legally sufficient verification, including a signed contract, original application, or method of verification, in violation of FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 6 ). The only documents provided were post-default statements and a charge-off notice none of which prove that I opened or owe this account. I also note a lack of IRS Form 1099-C, which would be required under tax law for a charged-off amount over {$600.00}, further undermining the legitimacy of the reported balance.

Equally concerning, this account appears to have been re-aged. The delinquency began in XXXX, yet it is now reflected with an open or recent status, violating XXXX XXXX data standards and FCRA 607 ( b ), which mandates that consumer information be reported with maximum possible accuracy. Improper re-aging falsely extends the reporting period and misleads future lenders.

This account is not mine. It is the result of identity theft. I have complied fully with the law by submitting a valid FTC Identity Theft Report. I now demand that XXXX  and the furnisher permanently delete this account under FCRA 605B, provide written confirmation of the deletion, and cease all further reporting or collection efforts. I also request that the CFPB investigate whether Midland Credit Management is violating FCRA and XXXX XXXX obligations in how they respond to identity theft claims. The continued presence of this fraudulent account is causing material harm to my credit and must be resolved immediately in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
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.

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 2025-07-03 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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