vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank charged me 67 overdraft-related fees during this calendar year totaling {$1000.00}, of which I paid {$840.00} out of pocket. Only {$160.00} was waived through automatic grace periods or small credits. These fees accumulated rapidly through debit card and ATM transactions. I did not clearly understand that I was opted in to debit card overdraft coverage or the full financial impact of that option. 

On XXXX, I contacted Huntington Bank to request a review and refund of these fees due to their excessive total. I was offered a {$25.00} credit, which I explicitly stated was insufficient given the amount charged. Despite this, the bank deposited the {$25.00} anyway without resolving the dispute. 

When I requested to speak with a supervisor, I was incorrectly transferred to the collections department, which confirmed it was the wrong department and sent me back to the general queue. As a result, I was unable to obtain supervisory assistance or a proper escalation of my complaint. 

I have since opted out of debit card overdraft coverage to prevent future overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: TX

Complaint narrative:
I recently discovered that my loans were placed into a XXXX XXXX transition forbearance without my knowledge, consent, or notification. I was not informed that this forbearance had been applied, that it would cause interest to accrue, or that interest would capitalize on XX/XX/XXXX. 

I was also not notified of my right to opt out or choose an income-driven repayment plan instead. I did not receive any mail, letters, or notices about this forbearance because my loan servicer had an incorrect mailing address on file. As a result, I was unable to make an informed decision about my repayment plan and did not have the opportunity to prevent interest from accruing. 

During this unrequested and unnotified forbearance, interest accrued at approximately {$460.00} per month, and more than {$13000.00} in unpaid interest is now set to capitalize. I was only made aware of this situation after calling the servicer recently to ask about my account status. 

I believe this forbearance was improperly applied and not communicated to me as required. Because I was not notified, I could not take action to prevent interest accrual, enroll in my preferred repayment plan, or make voluntary payments. 

I am requesting : A full investigation into this improper forbearance placement. 
Removal or reversal of the interest that accrued during the period I was not notified. 
Correction of my repayment plan to the status it would have been in if proper notice had been provided. 
Credit toward XXXX XXXX for any period affected by improper forbearance steering. 
Written confirmation once the account is corrected. 

Thank you for reviewing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Bank USA is furnishing a fraudulent credit account on my credit report that I did not open, authorize, or benefit from. I notified TD Bank and all three credit bureaus that I am a victim of identity theft and submitted an affidavit, supporting documentation, and a formal dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite receiving my identity theft report, TD Bank has continued to report the account as valid.

TD Bank has not provided any documentation proving that I opened or authorized this account. They have not produced an application, contract, signature, IP address, device ID, phone records, or any evidence linking me to this alleged account. They also failed to provide the source or method of verification they claim to rely on, as required under the Fair Credit Reporting Act. 

TD Banks continued reporting of an unverified and identity-theft-related account is causing harm to my creditworthiness, financial opportunities, and ability to obtain housing. Their failure to conduct a reasonable investigation or provide validation constitutes a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-12-04 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: OK

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX  XXXX XXXX XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXXikoff Lending LLC is reporting a fraudulent account on my credit report that I did not open, authorize, or benefit from. I notified Kikoff and all three credit bureaus that I am a victim of identity theft and provided an affidavit, supporting documentation, and a formal dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite this, Kikoff continues to furnish this account as valid.

Kikoff has not provided any documentation proving that I opened or authorized this account. They have not produced an application, contract, electronic signature, IP address, device ID, phone number, or any evidence linking me to the alleged account. They also failed to provide the source or method of verification they claim to rely on, as required under the Fair Credit Reporting Act.

Kikoffs continued reporting of an unverified and identity-theft-related account is causing harm to my credit and violates the Fair Credit Reporting Act ( FCRA ). Their refusal to properly investigate or validate this account is negatively affecting my financial opportunities and creditworthiness.

I am requesting that the CFPB require Kikoff to conduct a lawful investigation and either provide complete validation or permanently delete this fraudulent account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNIONXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  am writing to dispute inaccurate information on my credit report concerning an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as reported in your credit report datedXX/XX/XXXX for TRANSUNION. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., I request an immediate investigation and correction of inaccuracies in the reporting of this account, including but not limited to its status and dispute notation.  \n\nThe inaccuracies are related to ongoing disputes with XX/XX/XXXX as evidenced by correspondence and documentation submitted in a related legal matter (Docket No. XX/XX/0250. These inaccuracies have caused harm, including adverse effects on my credit score.  \n\n**Request for Action**:  \nPursuant to FCRA  1681i(a), I request an immediate investigation. You must:  \n- Contact XX/XX/XXXXto verify the accounts status and my dispute.  \n- Update or delete the inaccurate tradeline as appropriate.  \n- Provide me with the results of your investigation and an updated credit report within 30 days (FCRA  1681i(a)(6)).  \n\nI also request under FCRA  1681g a description of the procedure used to determine the accuracy of this information and the sources relied upon. Send all correspondence to the above address.  \n\nThis is a statutory dispute under the FCRA, not a request for credit repair or FDCPA debt validation. Failure to comply may result in legal action under FCRA  1681n/o for willful/negligent noncompliance.  \n\nSincerely,  \n\nBY: XX/XX/Principal\nWITHOUT RECOURSE'

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 2025-12-04 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: GA

Complaint narrative:
I am disputing the following accounts reported by Equifax, which have been incorrectly reported as charged-off and inaccurately reflect my payment history. I demand an immediate investigation and prompt correction of these errors, including the removal of any erroneously reported late payments. 

Charged Off Accounts : XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$660.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$640.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-12-04 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: LA

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 an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-12-04 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report as I work to improve my credit standing. Below, I have outlined the details of the disputed accounts for each bureau. I request that you investigate and correct these discrepancies as soon as possible. 

INQUIRIES : 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 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Amount {$750.00} XXXX  is reporting that I owe a balance for an apartment lease even though this debt is not valid. I fulfilled all terms of my lease and properly moved out of the apartment. After I vacated the unit, the apartment complex falsely claimed that I owed money for extending the lease, even though I did not extend the lease and no longer occupied the apartment. 

The apartment submitted this false claim to XXXX, and XXXX paid the property based on incorrect or fraudulent information provided by the apartment. Jetty is now trying to collect this amount from me and is reporting it as a debt that I supposedly owe. 

This debt had already been disputed and dismissed by the apartment management, who acknowledged that I fulfilled the lease requirements. Despite this, XXXX continues to report the charge to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MA

Complaint narrative:
Issue : Bank ignored fraud evidence, mishandled Regulation E claim, and denied dispute without reviewing provided evidence.

Company : Chime Financial Description of What Happened : I am reporting mishandling of a fraud dispute by Chime. 
I was the victim of an online scam in which an individual impersonated a public figure ( actor XXXX XXXX ) and used emotional manipulation, coercion, and deception to pressure me into sending funds. This was not an authorized transaction under Regulation E because the recipient had no actual authority to receive my money. 

I filed a police report in XXXX  and recently located the saved text messages showing : the scammer impersonating a celebrity emotional coercion fraudulent inducement me confronting him for being a fraud me demanding repayment I submitted this new evidence when Chime reopened the dispute. Instead of addressing the evidence, Chime issued a generic denial stating no error occurred without explaining : how they evaluated the police report how they evaluated the text messages why fraudulent inducement does not meet the definition of unauthorized transfer why impersonation scams were ignored These transactions were not legitimate. They were induced through deception and coercion, which the CFPB recognizes as unauthorized transactions under 12 CFR 1005.2 ( m ).

I am requesting that the CFPB require Chime to : Reopen and properly investigate the dispute Apply Regulation E correctly Provide a written explanation of how they evaluated the evidence Investigate additional transactions connected to the same scam that I was unable to include previously Issue reimbursement as required under federal law This situation has caused significant financial harm and emotional distress. I have all evidence available, including the police report and screenshots of the fraudulent messages. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following charged-off accounts that are inaccurately reported on my credit file with Equifax : Charged Off Accounts : XXXX : Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account Number XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account Number : XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account Number : XXXX, Opened XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX : Account Number : XXXX, Opened XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : Account Number : XXXX, Opened XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX XXXX XXXX : Account Number : XXXX, Opened : XX/XX/XXXX XXXX Balance : {$0.00} Inquiries : XXXX : Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXX XXXX  : Date : XX/XX/XXXXXXXX XXXX XXXX : Date : XX/XX/XXXXXXXX XXXX : Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX : Account Number : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX : Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not affiliated with me ; take them down within 15 days as USC 1681g specifies.

Company response to consumer: Closed with non-monetary relief