vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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:
To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$4600.00} from XXXX / XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Disputing that the debt collection that you have placed on my credit report is believed to not belong to me and I am not responsible for it.

According to to 15 usc 1692 ( c ) you have violated my rights by unlawful communication, please remove this collection off of my credit report. Thanks you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep frustration and concern regarding the unacceptable treatment I have received from Huntington Bank and the distressing lack of support in resolving a critical access issue with my personal account. 

Beginning at XXXX XXXX  this morning, I have been on the phone with multiple Huntington Bank departments including customer service XXXX, supervisors, branch managers, and corporate support all in a tireless attempt to verify my identity and regain access to my own funds. At every turn, I have been given the same response : I must appear in person at a Huntington Bank branch in order to complete the identity verification process and restore full access to my account. 

This requirement is impossible for me to fulfill, as I currently reside over XXXX hours from the nearest Huntington branch, do not own a vehicle, and have no access to funds because every dollar I possess is locked inside the very account Im being denied access to. I have explained this fact repeatedly to every representative I spoke with, yet was offered no alternatives no remote identity verification process, no video confirmation, and no exception based on my circumstances. 

What compounds this issue is that I received no notification whatsoever that there was any problem with my account or that verification would be required after updating my phone number. When I asked why I wasnt alerted, I was told the bank could not send any warnings because they couldnt verify it was me a deeply flawed and circular logic that punishes me as the verified account holder. 

This situation has placed me in a severe and unjust position. I have critical bills due today, and I am being denied access to my own money with no path forward offered except an in-person visit I can not make. I find this not only unreasonable but unethical. As a customer, I have complied with all policies in good faith. In return, I am met with indifference, refusal of support, and a complete lack of accountability from an institution that holds my finances.

I am respectfully demanding that your Executive Office immediately step in to assist with this matter. If Huntington Bank can not resolve this issue and provide a means of identity verification remotely as countless institutions routinely offer I will have no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal review. I sincerely hope it does not come to that. 

Please contact me directly with a resolution at your earliest opportunity. I expect an urgent and compassionate response. 

Sincerely, XXXX XXXX XXXX p.s. then i was told that if i did not come in person the account would at some point be closed and the funds lost

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. 

This isnt just a clerical issue its a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
Account Not Removed From Credit Report this Account is Not Mines And i haven't received any proof of this account being mines. equifax refuses to remove fraud from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: WA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a National Data Breach. After reviewing my credit report, I noticed some accounts that I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC compliant reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC Complaint, a copy of the Data breach report showing my information has been exposed in a national data breach and a validation of debt Letter.

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has repeatedly failed to address my concerns. The excessive, unwanted, repeatedly phone calls at inappropriate hours, the multiple refusals to address errors on their website and my credit report, and their refusal to address it now. Synchrony Bank needs to actually correct their mistake instead of trying to get me to call them again just for the same lack of resolution from them like many times before.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: TN

Complaint narrative:
I applied to discover for a Credit increase they denied it based on information they recieved from transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
1. I had a temporary lapse in homeowner 's insurance for a few days around XX/XX/XXXX, causing NewRez, LLC institute XXXX XXXXnd place the pro rate monthly premium in an escrow account. 
2. I quickly provided proof of insurance to remove this PMI since I have coverage through StateFarm 3. The following month I paid off my escrow balance ( ~ {$2.00} ), assuming it would be removed for good 4. For several months, I have had this balance remain on my statments XXXX. I called NewRez twice about this in XX/XX/XXXX and XX/XX/XXXX. I was told that an escrow analysis had to performed to have this removed 6. I recently called on XX/XX/XXXX and discovered no escrow analysis has been performed 7. I have paid an escrow amount of {$1.00} for the last year which has been wrongfully placed on my account, and I have just now noticed the balance growing for no reason 8. Most recently, I have emailed the President of NewRez, LLC so help me resolve this issue as the customer service department seems unable

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 2025-05-10 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:
Subject : Formal Notice of Fraudulent Accounts Immediate Removal Required To Whom It May Concern : This letter serves as formal legal notice that the following accounts reported on my credit file are fraudulent, unauthorized, and must be permanently removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened and/or reported without my knowledge, consent, or authorization, and therefore constitute identity theft and fraudulent reporting. I have reviewed my reports carefully and can confirm that these are not legitimate accounts tied to me in any lawful manner. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to fully investigate and remove inaccurate and unverifiable information from a consumers credit file. I am invoking my rights under federal law and demanding that you : Immediately delete the accounts listed above from all versions of my credit report ; Provide me with written confirmation of the removal ; Failure to comply with this request within the legally required time frame will result in immediate legal action, including but not limited to : I HAVE FILLED OUT Formal complaintswith the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) ; Lawsuits seeking statutory, actual, and punitive damages for willful noncompliance ; Full pursuit of all legal remedies available to me through retained legal counsel. Understand this clearly : this is not a casual request. If this matter is not resolved swiftly and these fraudulent entries are not removed, I am fully prepared to escalate this issue in court. My legal team is already on standby and prepared to proceed. This is your opportunity to resolve this without litigation. Choose wisely.

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 2025-05-10 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: TX

Complaint narrative:
Let me be very clear I never gave this company permission to pull my credit. I did not apply for anything, I did not authorize any inquiry, and there was absolutely no permissible purpose under the Fair Credit Reporting Act for this access. 

This inquiry is unauthorized and, frankly, fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Other type of 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: Equity Settlement Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I attended a closing for a mortgage loan issued by XXXX XXXX I, XXXX, arranged through a broker named XXXX. The closing was scheduled for approximately XXXX XXXX 

I was not provided the required closing documents including the XXXX XXXX XXXX in advance. Instead, XXXX emailed some documents at approximately XXXX XXXX, while I was already at the closing table. I received additional closing documents from the title companys closing XXXX at approximately XXXXXXXX XXXX., after the closing had already occurred. I have timestamped emails and screenshots proving this timeline. 

I did not have a meaningful opportunity to review the loan terms or disclosures before being asked to sign. I was not clearly informed of key costs, the dramatic increase in my loan balance, or whether I was waiving my legal rights ( e.g., through arbitration ). I later discovered that my loan increased from about {$130000.00} to over {$300000.00} without explanation, and I was never given a full accounting of the charges. 

I believe this closing violated the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ). I am also concerned about predatory lending, fee abuse, and equity stripping. I am seeking to rescind the loan and request a formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I want Edfinancial services to clarify the Refund Payer- Direct Unsubsidized XXXX XXXX  for the amount of {$2800.00} that I paid with a credit card on XXXX/XXXX I was informed by the XXXX  XXXX XXXX that I needed to make this payment so the amount could be returned to the loan lender.and I believe this payment corresponds to the Direct Unsubsidized XXXXXXXX XXXX. 

I want the loan lender to confirm whether the {$2500.00} has been correctly processed and refunded to the loan lender, and if not, I would appreciate that Edfinancial services in initiating or completing that process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I CALLED AND DISPUTED A FRAUD INQUIRE FROM ALLY BANK THAT I DID NOT DO. THEY BLEW ME OFF AND SAID DISPUTE IT WITH THE CREDIT BUREAU ( XXXX  ) I DID DISPUTE IT AS FRAUD BUT XXXX  DOESNT ALLOW YOU TO DISPUTE INQUIRES THEY MUST BE REMOVED FROM THE ALLY THE REQUESTED THE INQUIRE. 
DATE OF INQUIRE XX/XX/year> FRAUD INQUIRE ALLY FINANCIAL ADDRESS ALLY FINANCIAL XXXX XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
To Whom This XXXX Concern, I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. I appreciate your efforts in this matter and look forward to your response. Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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 : 1. 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. 
2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. 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 2025-05-10 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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