vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from a advocacy group helping me due to Human trafficking debt bondage, which falls under trafficking according to XXXX Final Rule XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I got a XXXX loan in XXXX of 2024 and in the early months of this year I started my studies on banking and law. My payment doubled and I fell behind, due to the securitization of the note and all the illegal components to the contract, when they sent me a notice to cure I sent back a letter agreeing as long as they could provide me with what is legally suppose to be provided. They never responded, I send a second letter, and a final letter with a notice of dishonor. THE HUNTINGTON NATIONAL BANK proceeded to summons me to court, where I submitted all my documentation. The collateral in question was a 2024 XXXX XXXX. The equitable title was in my Private Trust and mine and my minor ( XXXX sons ) Sanctuary / home. While the court case was active XXXX XXXX ordered XXXX XXXX ( XXXX XXXX ) to come onto private property and take our property, without the order of a Judge, then the attorney later lied about the property and said they had no idea what I was talking about. They are expecting me to pay XXXX over the original loan amount and they took the " collateral '' without producing the original note because they illegally sell these and trade them on XXXX XXXX. Now I am Subrogating my rights and filing claims on all the individuals involved. I did not get Civilian Due Process, they ignored Michigan 's XXXX Laws, minor with XXXX laws, and they are involved now in tax evasion. This directly affected me and my minor offspring leaving us homeless. What they did was not justice and they directly affected my Liberty and I am going to find all the help I can to make sure my family and I get restitution from this nightmare. What they did is inhumane and only monsters do what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am filing this complaint because my TransUnion credit report is showing XXXX hard inquiries that I believe are inaccurately reported. The inquiries listed are : XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have reviewed my credit file carefully, and these are the only XXXX inquiries showing on my report. Based on my own records and credit activity, these inquiries do not appear to match any applications I made at that time, which leads me to believe they may not be reported correctly. 

I have requested that TransUnion review and remove these inquiries, but they continue to remain on my report. Since I do not recognize these inquiries and there is no clear evidence that they are valid, I believe they are inaccurately reported.

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 2025-11-21 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: VA

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( XXXX U.S.C. XXXX ) requesting that [ EQUIFAX ] XXXX block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and XXXX XXXX ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I request that the following fraudulent items be blocked within XXXX business days. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a Collection account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$410.00} ; a Collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$4100.00} ; and a Collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$0.00}. They have resulted in multiple fraudulent hard inquiries, collections, and charge-offs appearing on my consumer XXXX credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 submitting this dispute statement to request a reinvestigation of the following accounts on my Equifax credit report. I believe some of the information may be inaccurate or unverifiable, and I kindly ask that Equifax review these accounts and either correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS None INQUIRIES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
The last time I contacted Chase was yesterday XX/XX/year> and on this date I was told that my check hadnt been mailed like I was previously told in error. I learned that my funds have not been approved for release and that there is no tracking number in the system. However on XX/XX/year> I was told that a certified check would be mailed out in XXXX days. I did not take this difference in information to an error I took it as an out right lie. I was also told that my {$11000.00} and some odd cents might not be paid back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 writing to dispute several inaccurate items on my credit report. There are collection and charge-off accounts that contain incorrect or unverified information, unauthorized hard inquiries that I did not approve, and late payment statuses or remarks that are not accurate. In addition, my personal informationincluding name variations, addresses, and other identifying detailsis being reported incorrectly. I request a full reinvestigation of these items, and if any information can not be properly verified with complete documentation, please correct or delete it in accordance with the FCRA.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting information that I believe is inaccurate or unverified. My disputes with TransUnion have not resulted in the required validation. 

CHARGED-OFF / COLLECTION ACCOUNT XXXX XXXX XXXX Acct : XXXX Reported XX/XX/year> Balance : XXXX TransUnion has not provided proof that this account is accurate or belongs to me. 

LATE PAYMENTS XXXX XXXX Acct : XXXX These late payments remain unverified because TransUnion has not produced supporting documentation. 

There are no inquiries under dispute with TransUnion at this time. 

I request that TransUnion fully validate these items or delete them if they can not prove their accuracy as required under the FCRA.

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 2025-11-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose.

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened an account with Truist bank on XX/XX/25. 
Today, I attempted to sign into my online banking only to receive an error. I contacted support and got transferred to fraud department. Fraud department told me my account was closed because another bank reported you as fraud. I received no notification from either bank.

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 2025-11-21 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-21 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: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XXXX * * * * * * * * XXXX XXXX XXXX XX/XX/XXXX- * * * * * * * * * * * XXXX XXXX * * * * * * XXXX XXXX XXXX XXXX * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * XXXX * /XX/XX/XXXX XXXX * * * * * * * * * * * * * * * /XX/XX/XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * * * /XX/XX/XXXX XXXX * * * * * * XXXX * * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XXXX * * * * * * * * XXXX XXXX XXXX XX/XX/XXXX- * * * * * * * * * * * XXXX XXXX * * * * * * XXXX XXXX XXXX XXXX * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * XXXX * /XX/XX/XXXX XXXX * * * * * * * * * * * * * * * /XX/XX/XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * * * /XX/XX/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 2025-11-21 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: TX

Complaint narrative:
I am submitting this statement to dispute the following accounts and inquiries on my TransUnion credit report. I believe these entries may contain inaccuracies or unverifiable information, and I request that TransUnion conduct a thorough reinvestigation and either correct or remove any unverifiable items. 

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 2025-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been sending in payments since the account was opened approximately six months ago in alignment with my pay periods ( bi-weekly schedule ) by sending them from my banks bill-pay system. The mortgage company, NewRez, has been identifying these payments as partial and applying them directly to principal. They are then assessing fees for late payments and routinely advise ( through email and text ) that my account is past due.

In reality, my account has been payed ahead of the monthly structured payment schedule ( 26 half payments versus the scheduled 12 full payments ).

The mortgage company does offer an ACH option for the bi-weekly schedule, but participating in allowing them to extract funds from my account is not an option that works for me for two reasons. First, as a habit, I do not allow companies permission to draft from my accounts, I push payments from my account. Second, utilizing my banks bill-pay feature affords me visibility of my financial forecast. Being the largest regular transaction of my monthly obligations, these two factors make sending payments from my bank account essential. I should not be required to utilize this mortgage companys ACH system to fulfill my monthly obligations without penalty.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
Opened the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is issued by XXXX XXXX XXXX, pursuant to a license from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is powered by Imprint Payments, Inc - [ Imprint ] - in XX/XX/XXXX. 
Theyve charged Annual Fee in XX/XX/XXXX. 
Next Annual Fee charge appeared on the account in XXXX of XXXX - I contacted Imprint right away by calling their ( XXXX ) XXXX number and expressed my desire to close the card, additionally providing the lack of sense in their charges assignments and overall non-confidence in their services. I have been even promised to get the charge off completely or, at the very least, to have it pro-rated ( for 2 weeks that elapsed between the charges assignment and my via-phone request to close the account ). 
I ended up calling XXXX more times to confirm/re-affirm the intent to close that card/account AND I also was made to pay the full {$99.00} Annual Fee in order for Imprint to proceed with closing of the account 3 months later, as of today XX/XX/XXXX, I still see my card as being active on Imprints online portal- I even called in again over a month ago and was told that the account is closed - to which portal I still have active access ( login ) with all the account information showing as if the card was never closed.

Reading around in various online sources about suspicious business practices of Imprint, with them charging peoples account on {$0.00} balances and reporting those who dare not to pay on such frivolous charges, I am fully expecting to see yet another Annual Fee on this supposedly-closed account any time soon I respectfully as CFPB to step in and to assist in closing the account as well as in receiving a formal confirmation of such closure.

Company response to consumer: Closed with explanation