vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I own a small business. when I set up my checking account with Associated, they introduced me to their " partner '', XXXX, for processing my payments. I have had problems finding and maintaining reliable employees and I was sick this past month. Plus I work XXXX days a week at the shop and didn't have time to look at why the account was perpetually behind, even though I wasn't using any of the money. I request an itemized banking statement so I could figure it out. I see that indeed took XXXX fraudulently and I was still behind because over the past XXXX months the bank kept me in the negative with their XXXX in XXXX fee's/ Then I compare what I took in and what was added to my account and not only am I not receiving all of the money from XXXX, their policy is the payment made to my business will be posted within XXXX days, unless it's Friday, they have been holding money, then my account goes into negative, and the bank starts their overdraft waterfall, It certainly appears to be collusion in my humble opinion, but that is for another complaint. I asked for a reversal, obviously, and was refused. I escalated it, and again, the manager rudely refused, stating they have a " XXXX times a year '' refund for overdraft fees. I had XXXX other od taken off that was a result of them saying they added XXXX I shouldn't have gotten, then took it back a month later without so much as a letter, then put me into negative and charged me fees. They charged me thousands of dollars in XXXX fees the year before and then I haven't been late for like XXXX months because i can not afford to be negative, then all of the sudden the payments aren't coming in on time, nor is all of the money made coming, and they've made XXXX off of me in XXXX months. If they hadn't charged me XXXX dollars a day and multiple other random charges over XXXX and XXXX I wouldn't have been in the negative, so they kept me negative with their daily fees, then charged me daily for it I have auto pay bills and many of those days my insurance company took a payment they shouldn't have, then put it back on days later, that seems sketchy too. The insurance thing happened like XXXX times and caused XXXX dollars ' each time, yet they refuse to adjust XXXX dollar. It is unethical at the least and illegal at the worst. Please let me know if you need any document to be sent in, I have had a plethora of predatory banking measures used against me since I started banking there almost XXXX years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
TransUnion and Equifax have not responded to my letter sent requesting validation of alledged negative impacting accounts on my credit report. I sent both bureaus the attached letters and has been more than 30 days they have by law to respond. Experian did respond to my first letter sent but have not responded to my method of verification I requested, which attachment will show. Experian via FCRA laws have 15 days after requesting method of validation request after, which they have not responded at all to my notice of requesting method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
TransUnion and Equifax have not responded to my letter sent requesting validation of alledged negative impacting accounts on my credit report. I sent both bureaus the attached letters and has been more than 30 days they have by law to respond. Experian did respond to my first letter sent but have not responded to my method of verification I requested, which attachment will show. Experian via FCRA laws have 15 days after requesting method of validation request after, which they have not responded at all to my notice of requesting method of verification.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, I spoke with representatives from XXXX XXXX XXXXXXXX XXXX regarding my XXXX XXXX  account ending in XXXX. I was verbally assured that if I made the full payment, the late payment would not be reported to the credit bureaus. I complied with this agreement, yet the late payment was reported to XXXX and XXXX.I requested a review of the recorded calls made on XX/XX/XXXX ( around XXXXXXXX XXXX ) and XX/XX/XXXX ( around XXXXXXXX XXXX ) from phone number XXXX. These calls confirm the verbal agreement.Equifax has already removed the late payment, showing that the reporting was inaccurate. However, XXXX XXXX XXXXXXXX XXXX refuses to take further action and claims they can not intervene.I have submitted XXXX formal dispute letters with supporting documentation, including proof of payment and credit reports. On XX/XX/XXXX, a representative named XXXX confirmed that nothing was pending on my account, yet other agents contradicted this in later calls.This situation violates my rights under the FCRA, FCBA, FDCPA, Regulation F, UCC Article 3, and NY GBL 349. I am requesting that the late payment be removed from XXXX and TransUnion and that my credit report reflect accurate and consistent 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 non-monetary relief
Consumer complaint received 2025-09-12 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: MN

Complaint narrative:
I am submitting this formal complaint against the XXXX major credit reporting agenciesEquifax, Experian, and TransUnionfor reporting inaccurate, incomplete, and unverifiable information on my credit file. 

I have already disputed these items directly with the bureaus, but they have failed to remove or properly verify the accounts, inquiries, and tradelines that do not belong to me. These errors are damaging my credit standing and causing me distress. 

Equifax is inaccurately reporting accounts such as : 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, and others Equifax. 

Experian is reporting inaccurate accounts including : 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 Experian. 

TransUnion is reporting inaccurate accounts such as : 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 and others TransUnion XXXX 

All three agencies are also reporting unauthorized and inaccurate hard inquiries that I never initiated.

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 2025-09-12 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: IL

Complaint narrative:
My credit file contains multiple FCRA violations. Bureaus and furnishers reported unauthorized hard inquiries ( list above ) and inaccurate tradelines ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX ) that are misleading or unverifiable. XXXX XXXX shows mathematically impossible 100.47 % utilization and fails to carry my dispute statement ; multiple XXXX XXXX accounts are coded closed by creditor with balance and carry derogatories without complete verification ; XXXX XXXX fails to identify the original creditor or itemization. XXXX  interface previously displayed an incorrect DOB ( 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 2025-09-12 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: IL

Complaint narrative:
My credit file contains multiple FCRA violations. Bureaus and furnishers reported unauthorized hard inquiries ( list above ) and inaccurate tradelines ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX ) that are misleading or unverifiable. XXXX XXXX shows mathematically impossible 100.47 % utilization and fails to carry my dispute statement ; multiple XXXX XXXX accounts are coded closed by creditor with balance and carry derogatories without complete verification ; XXXX XXXX fails to identify the original creditor or itemization. XXXX  interface previously displayed an incorrect DOB ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX undermining my trust in the credit reporting system. Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

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 2025-09-12 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: FL

Complaint narrative:
This is very upsetting because unauthorized inquiries are still appearing on my credit report today, and I dont know why they have not been taken off. I already tried refreshing my browser, but nothing changed. Please check the documents I sent right away and resolve this problem so I can stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
Avant / XXXXXXXX XXXX XXXX Disputes Department XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, IL XXXXXXXX XXXX Re : AccounXXXX XXXX XXXXXXXX Formal Dispute of Charge-Off To Whom It May Concern, I am formally disputing the accuracy and validity of the charge-off reported on the above-referenced account ( XXXX XXXXXXXX ). This charge-off is the result of what I believe to be incorrect and deceptive lending practices and therefore must be removed from my credit file. 

Pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., lenders are required to provide clear, accurate, and meaningful disclosures regarding the terms and costs of credit prior to consummation of a loan agreement. These disclosures must enable the borrower to make an informed decision regarding their financial obligations. 

In this case, the original loan agreement with AvantXXXX did not meet TILAs disclosure standards. Specifically, there were material misrepresentations and omissions in the way the terms of repayment, interest, and fees were communicated. As a result, the loan was not fully or lawfully disclosed, violating both the spirit and letter of the Truth in Lending Act. Because this account was created and maintained under improper and deceptive lending conditions, any resulting charge-off is legally and factually invalid. 

Therefore, I demand that AvantXXXX : Immediately remove the charge-off from all consumer reporting agencies where this account has been furnished. 

Cease collection activity related to this disputed account until full compliance with TILA and applicable federal laws is demonstrated. 

Provide written confirmation of the removal of this charge-off from my credit file within 30 days of receipt of this letter. 

Failure to correct this matter may result in escalation, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and consideration of legal remedies under TILA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Please treat this letter as a formal notice of dispute under the FCRA. I respectfully request your cooperation in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: WI

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 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XXXX XXXX has reported XXXX repossessions on my credit file, which is completely false. I financed a vehicle with XXXX XXXX on XX/XX/year>, and the account still shows as open with a reported balance of {$6000.00}. Despite this, the payment history shows the account as XXXX  days past due and marked with repossession/foreclosure, even though I am still in possession of the vehicle and it has never been repossessed. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) because the account status is being misrepresented. The false repossession entries are severely damaging my credit profile 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 2025-09-12 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: CA

Complaint narrative:
XXXX writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-12 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-12 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 deeply frustrated to see that the inaccurate accounts are still appearing on my credit report, even though they should have been taken off. This has gone on far too long, and I urgently ask that the documents Ive attached be reviewed thoroughly so I can finally put an end to this constant worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TransUnion and Equifax have not responded to my letter sent requesting validation of alledged negative impacting accounts on my credit report. I sent both bureaus the attached letters and has been more than 30 days they have by law to respond. Experian did respond to my first letter sent but have not responded to my method of verification I requested, which attachment will show. Experian via FCRA laws have 15 days after requesting method of validation request after, which they have not responded at all to my notice of requesting method of verification.

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