vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I am filing this complaint regarding the handling of a transaction dispute with Huntington Bank, which has caused financial hardship and ongoing account issues due to the banks delay in issuing provisional credit while the case remains under review.

On or around XX/XX/year>, I reopened a dispute for a charge of {$240.00}. I have uploaded receipts and documentation clearly showing that I should have only been charged {$7.00}. Initially, I was granted {$240.00} in provisional credits, which were later reversed when the dispute was denied. The removal of that credit left my account negative and made it difficult to pay essential bills.

After reopening the case, I provided all required documentation and receipts and explained the issue in detail to multiple Huntington representatives. On XX/XX/XXXX, I requested that the provisional credit be reinstated while the case was under review. On XX/XX/XXXX, I requested that the credit be expedited due to the financial impact.

A Huntington supervisor confirmed that she added a note to my case explaining that I had provided sufficient documentation and requested that the credit be restored. Despite this, as of XX/XX/year>, I have continued to receive the same response : The case is under review.

Under Regulation E ( 12 CFR 1005.11 ), financial institutions must complete a dispute investigation within 10 business days or issue a provisional credit if additional time is needed. While the 10-business-day window has not yet fully expired, the continued delay has placed significant financial strain on me and left my account vulnerable.

I am requesting that Huntington Bank immediately issue provisional credit for {$240.00} while the dispute remains under review and ensure that the investigation is completed in compliance with Regulation E.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am submitting this seventh formal complaint and urgent follow-up regarding multiple unauthorized or inaccurate credit inquiries appearing on my credit report. Despite previous disputes, these inquiries remain unresolved and continue to negatively impact my creditworthiness. 
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 XXXXXX/XX/XXXX I did not authorize these inquiries in many cases, nor did I apply for credit or services with several of these entities. These inquiries lack a permissible purpose, violate my privacy, and have contributed to inaccurate reporting on my credit file.

604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ] : Access to consumer reports is permitted only for authorized purposes, which these inquiries do not demonstrate.

604 ( f ) [ 15 U.S.C. 1681b ( f ) ] : Creditors must certify the permissible purpose and provide evidence of authorization upon dispute.

605B [ 15 U.S.C. 1681c-2 ] : Unauthorized inquiries must be permanently deleted and blocked from future reinsertion unless verified with signed authorization.

607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must maintain maximum possible accuracy in reporting.

611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] : Consumers have the right to dispute inaccurate information, and CRAs must conduct a reasonable investigation.

619 [ 15 U.S.C. 1681q ] : Obtaining a consumer report under false pretenses is unlawful.

615 ( a ) [ 15 U.S.C. 1681m ( a ) ] : Furnishers must notify consumers promptly of adverse or corrected information.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On [ XX/XX/year> ], I mistakenly sent a Zelle payment through my XXXX XXXX account to the wrong recipient. I realized the error quickly and contacted XXXX customer service immediately to request assistance in reversing or recovering the funds. Despite acting promptly, XXXX declined to help, stating that Zelle payments can not be reversed or disputed once sent. 

This incident has exposed a major gap in consumer protections for Zelle users. Unlike other payment systems ( such as credit cards or ACH transfers ), Zelle offers no process for dispute resolution or recovery in cases of accidental or erroneous transfers. Consumers are left without any recourse, even when the error is reported immediately and in good faith. 

Because Zelle is operated by major U.S. banksincluding XXXX XXXXwithin the traditional banking system, I believe there should be clearer regulatory requirements and protections for consumers using this platform. The current framework unfairly shifts all risk to consumers and fails to account for unintentional errors or fraud-related incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$2300.00} XXXX XXXX * * * * Balance : {$38000.00} XXXX XXXX XXXX * * * * Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$21000.00} Under FCRA 1681i ( a ) ( 1 ), I am formally requesting that conduct a thorough reinvestigation of both the XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX accounts. If can not verify the accuracy of the disputed information with the furnishers, the FCRA requires that these entries be corrected from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this formal complaint regarding the reporting of inaccurate information on my consumer credit file, which has caused damage to my credit reputation and financial stability. The following address, accounts, and inquiries appear on my credit report without proper verification or authorization. I request an immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

XXXX XX/XX/2025 Inquiry This inquiry was not initiated by me and no written consent was given. It violates FCRA Section 604 and FDCPA provisions regarding unauthorized access to consumer data. This inquiry must be deleted promptly.

Under FCRA 611 and 623, I am requesting a thorough reinvestigation of each item mentioned above, deletion of any unverifiable or inaccurate information, and confirmation in writing once corrections are completed. The continued reporting of such information after notice of dispute is a willful violation of federal law and subjects the responsible parties to liability under FCRA 616 and 617.

I respectfully request that CFPB intervene to ensure compliance, accountability, and proper correction of these inaccurate and unauthorized entries that have caused me undue harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I am filing a complaint because several charge-off accounts are being reported on my credit reports without my permission and in a way that is inaccurate and misleading.

These accounts are from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX XXXX .

I never gave written or verbal consent for these companies to access or furnish any of my consumer information.

Under 15 U.S.C. 1681b, a credit bureau can only include or share my information when there is a verified, lawful permissible purpose.

No such purpose exists for these furnishers.

Several of these accounts are still showing as charged-off or in collection long after they were supposedly closed or sold, which is false and damaging to my credit profile.

This violates 607 ( a ) and 1681s-2 ( a ) of the Fair Credit Reporting Act, which require accuracy and verification before furnishing information.

Im asking that the credit bureaus : 1. Delete all charge-off and collection accounts from these furnishers, 2. Provide written verification or documentation showing any permissible purpose or consumer authorization for each, and 3. Send updated reports once the inaccurate or unauthorized data is removed.

These items were reported without authorization and have caused financial harm and unnecessary hardship.

I am requesting that the CFPB ensure the credit bureaus correct and delete these entries as required by 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 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$36.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-31 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:
Dear Experian, I hope this message finds you well. I am writing with courtesy and respect to request your review of an item on my credit report that may not be accurately reported. I am only trying to correct my credit record and ensure compliance with the FCRA. 

Item in Question : XXXX XXXX Account 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 2025-10-31 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

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 2025-10-31 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint and demand immediate corrective action regarding TransUnions unlawful refusal to provide me access to my own credit report. 

On XX/XX/year>, I attempted to review my report and was notified that I can not access it because there is an open dispute. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Consumers must be allowed to access and review their credit reports at all times, including during the dispute process.

I am attaching a screenshot as proof of TransUnions refusal.

Unfair Harm & Increased Fraud Risk TransUnions actions have caused serious potential harm by : Preventing me from monitoring the accuracy of disputed information Blocking confirmation of whether fraudulent accounts were deleted Allowing identity theft or unauthorized reporting to continue unchecked Obstructing my ability to protect and repair my credit standing There are fraudulent and unauthorized accounts currently under dispute. These accounts must be permanently deleted in compliance with Federal 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 2025-10-31 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App Investing wrongfully deactivated my account and falsely accused me of violating their XXXX XXXX XXXX. I have not engaged in any prohibited activity and have followed all of their rules. I filed multiple appeals and was forced to repeat the same process twice, but no clear explanation or resolution was ever provided. This account closure has caused a significant disruption to my financial access. 

I believe this action was taken in error, or possibly due to a security issue on their end. Im requesting that Cash App provide a specific explanation for the alleged violation, reinstate my account, and prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am disputing inaccurate or unverifiable late payment accounts on my credit report. In accordance with FCRA 1666 and FCBA 1666a, I request a full reinvestigation and correction of any billing or reporting errors, as these accounts negatively affect my credit and may violate my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX someone obtained information on my debit card and made reversals claims on my business account on item that were already paid I have been with chase bank since XXXX and have deposited over XXXX dollars into my business account account name Top XXXX XXXX XXXX Business Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I am on the second floor of the Chase Bank XXXX XXXX Account # XXXX I have neve made a claim with chase in the whole 10 years that I have been with them and they fraud department handle this investigation poorly and it is clearly evidence that someone stole my information and so how got access to my account call chase and did these fraudulent bogus claim I have argued and fought for clearing up my company name & not only most importantly clearing my name as well even the branch manger clearly can see that this was handle poorly and improperly and the level of incompetence, .and IQ of that department is unacceptable for Chase to have a large and global reputation as they have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.

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