vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$700.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$610.00}, XXXX XXXXXXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
We recently received a debt collection NOTICE from Helvey & Associates XXXX inc in the amount of {$630.00} we've made several phone calls as instructed on the letter and it says the mail box is full, We do not have a contract with this company, We do not wish to do business with this company and We have never signed any agreement or contract with this company. This company is committing Fraud, postal fraud, securities fraud, mail fraud and identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

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 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with Citibank in XXXX of this year. After getting emails reminding me to fund my account I transferred money from my prepaid card. I then received a XXXX of {$100.00} on my birthday XX/XX/year>. On XX/XX/year> I received my workers comp check from my job XXXX and did a mobile deposit for the amount of {$580.00}. I received an email saying that it was received. On XX/XX/year> I went to check the citi mobile app and it said having delays.. try again later. After several attempts throughout the day I tried to use my debit card and was unsuccessful. I called and was told that my account was placed under review for XXXX hrs. I then received an email saying my deposit was accepted. I wait the XXXX and XXXX still denied access to my account. I call again XX/XX/year> and XXXX told to speak with the fraud department because my account has been blocked. They tell me my account is blocked and they decided to close it. I was never given any notice. My account hasnt even been used more that 5 times and they decided to close it. I received an email XX/XX/year> saying that my account was closed due to violating their contract. All of this because I did mobile deposit which they allow. Im not allowed access to my funds until they decide. XXXX days is too long when theyve already claimed my account is closed. I want my funds and nothing to do with this bank that is robbing their customer.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding Experian/TransUnion and the debt collector XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ). 

This account was previously deleted from my credit report after a prior dispute because it was unverifiable. However, it has now been reinserted a year later, without any notification or re-investigation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. 

The alleged debt originated from XXXX, a company that has since filed for bankruptcy and is permanently out of business. I reached out to XXXX for verification, and they were unable to verify the account or my identity due to their closure. Therefore, there is no valid way for this account to have been re-verified, let alone lawfully reinserted. 

Despite this, Experian/TransUnion has re-reported the collection, which constitutes : Failure to notify me in writing within 5 business days of re-reporting per 1681i ( a ) ( 5 ) ( B ) Failure to maintain maximum possible accuracy under 1681e ( b ) Failure to delete unverifiable data per 1681i ( a ) ( 1 ) Liability for negligent and willful noncompliance under 1681n and 1681o I am demanding immediate permanent deletion of this account from all credit files, as well as regulatory enforcement and penalties against the parties responsible. Supporting documentation, identity verification, and proof of address are attached.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
multiple calls per day sometimes more than XXXX, up to XXXX calls per month even. Always under varied numbers, never leaving voicemail but its usually the same person. Sometimes they leave me alone for a while, then start spam calling me again using spoofed local numbers. Starting around XXXX XXXX to XX/XX/XXXX. I've chosen to ignore the calls or even block numbers but they always change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
I mailed letters to the 3 credit bureaus from nelnet. My student loans have been satisfied. XXXX and XXXX have marked the loans as satisfactory and they do not negativity impact on my credit scores. Experian has XXXX of the student loans as refinanced. That information is incorrect and it is effecting my credit in a negative way. I have asked that my marital name of XXXX be removed as well. I sent Paperwork of my legal name change several times.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
I have be trying to obtain this information from the lender and have yet to receive the information requested. Requested the information again on XX/XX/year> and was told by the servicer that I needed to contact the attorney who is XXXX XXXX. Emailed the attorney on XX/XX/year> and was told that they would reach out to the servicer. Its been a lot of back and forth and I still have not received the information I requested.

1. Full change of title for the mortgage 2. All recorded Assignments of Mortgage ( AOM ) 3. Proof of sale or transfer between lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed o
r delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I paid the account off online on XX/XX/XXXX. They held the payment and charged me interest on the XXXX. They refuse to take the charge off the account.

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 2025-04-01 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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-01 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: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year>, I filed a fraud dispute with Huntington Bank regarding unauthorized transactions on my account totaling over {$2800.00}. These transactions were made without my knowledge or consent. My school bag along with my phone, tablet, and school id & wallet inside was stolen from me at my place of work. 

Initially, my claim was denied, and I was informed that my case was closed. However, I provided additional supporting documentation, including a police report, and my case was reopened for further investigation. 

Throughout the investigation, I was given conflicting information by multiple bank representatives and supervisors : On XX/XX/year>, a Huntington supervisor confirmed that the dispute team had received my submitted documents and that my case was still under review. 
On XX/XX/year>, I was told that the bank was still communicating with the merchants involved in the disputed transactions. 
However, on XX/XX/year> ( the XXXX business day after reopening ), I was suddenly informed that my case had been denied again, allegedly because I did not provide requested information. This contradicts the confirmation I received on XX/XX/XXXX. 
A different representative claimed that my claim was denied because Huntington deemed the transactions authorized, despite the police report and my statements confirming otherwise.

Furthermore, Huntington has refused to issue the provisional credit required under Regulation E, stating that it is a courtesy and up to their discretion. This contradicts federal guidelines, which require the bank to issue a provisional credit if the dispute investigation extends beyond 10 business days.

What I Want Huntington to Do : 1. Issue the required provisional credit immediately, per Regulation E, while the case is being investigated.

2. Provide a full and reasonable investigation, including a
detailed written explanation of how they determined the transactions were authorized despite clear evidence to the contrary.

3. Follow proper consumer protection laws, ensuring that fraud victims are not left financially responsible for unauthorized activity.

Huntington Banks handling of this dispute has been misleading, contradictory, and in violation of consumer protection laws. I am seeking CFPB assistance in ensuring the bank follows proper procedures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief