vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
In XXXX, I financed a trailer through Alliant Credit Union in XXXX, TX. After more than a year of regular monthly payments, most of each payment is still being applied to interest instead of principal. For example, my XX/XX/XXXX payment was {$560.00}, with {$330.00} going to interest and only {$220.00} to principal, leaving an unusually high balance of about {$40000.00}. 

I believe this reflects excessive or usurious interest charges and possibly unfair or deceptive loan terms. 

On XX/XX/XXXX, I sent a formal written letter to Alliant requesting a full loan audit, explanation of interest calculation, and a temporary forbearance due to my medical condition. I am currently under XXXX  treatment with an implanted device and on XXXX  XXXX, which has caused financial hardship.

Despite my request, the company has not provided any explanation or assistance. I am seeking review and corrective action regarding the interest charges andloanbalance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NC

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 2025-10-24 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: TX

Complaint narrative:
Hi, On XX/XX/XXXX, a payment of {$110.00} was made to XXXX. In early XXXX, service with XXXX XXXXXXXX XXXX XXXX XXXX  was terminated, and all leased equipment was returned in person to the XXXX store located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 

On XX/XX/XXXX, a formal dispute and request for debt validation was sent to Avante USA, LLC, regarding an alleged debt from XXXX XXXX XXXX XXXX XXXX that appeared on a credit report. The debt was disputed on the grounds that there was no knowledge or record of it, and it was demonstrably time-barred under the Texas Civil Practice & Remedies Code 16.004 , which has a four-year statute of limitations for debt collection, with the last possible account activity being in early XXXX. No response has been received from Avante USA since the email was sent on XX/XX/XXXX. 

Upon contacting XXXX, the company confirmed the amount due. However, it was explained that all equipment had been returned, and there was no notification of such a debt for five years until it appeared as a collection entry on the credit file. The XXXX representative stated that the debt was sent to the debt collector in XXXX, but no prior awareness or communication regarding this debt was provided via email or phone calls. The process is being disputed due to the lack of notification and the inability to dispute or pay the debt before it reached collections. 

The demands made were : * Immediate cessation of all collection activities related to this account.

* Immediate deletion of this account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 
* Written confirmation that the debt has been canceled and the corresponding negative item removed from credit history. 

A response to this dispute and debt validation was requested within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: SC

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 2025-10-25 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Date XX/XX/year> Account Restriction XXXX weeks ago - Robinhood restricted my account arbitrarily. I can not trade or even withdraw the cash balance I have. They can not offer a reason and when I finally got someone on the phone, I was interrogated with questions such as : 1 ) Where did I learn about crypto?

2 ) Was I an expert or beginner?

3 ) What cold wallet was I using and why was I using it?

4 ) What devices have I used to log in and did I have a third party " assist '' me in the process?

5 ) Do I intend to buy and move crypto onto a cold wallet in the future?

I answered 20 plus questions in this interrogation.... 

They apparently do this arbitrarily and hold people hostage with a need to " review '' the account with rolling dates that come and go. I only started investing in crypto less than XXXX  months ago. I had previously used their service to do this type of transaction a few times prior to the account restriction with no issues. The restriction came XXXX weeks ago when I attempted to move {$2000.00} of crypto to my cold wallet. They are using a service they provide to suggest that I have now done something to cause a restriction on my account? These people are crooks and how is it possible that a company like this can hold someone's money hostage with no consequences? Their practices are draconian, unethical, immoral, and they need to be punished. I am happy to move my funds and close my account, but they only give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted written disputes with supporting documentation showing myXX/XX/XXXX( Case XX/XX/XXXXXXXX, XXXX XXXX of Florida ) was XX/XX/XXXX, not XXXX on XX/XX/year>2023. Despite receiving this verified court order, the credit bureau continues to report several accounts as charged off or included in XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ( b ) ), credit bureaus and furnishers must ensure maximum possible accuracy. Reporting accounts as connected to aXX/XX/XXXX that was dismissed is inaccurate and misleading. 

I request that the CFPB require the credit bureau to : Delete or correct all accounts improperly verified ; Provide documentation from the furnishers proving lawful verification ; Ensure all references toXX/XX/XXXXare removed. 

Accounts involved : XXXX XXXX Bank XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX Bank {$840.00} XXXX XXXX XXXX ( XXXX Bank XXXX {$750.00} XXXX Card {$2000.00} Mailed Dismissal Order ( XX/XX/scrub> 2023 ), copies of dispute letters, and credit bureau responses showing verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted written disputes with supporting documentation showing myXX/XX/XXXX( Case XX/XX/XXXXXXXX, XXXX XXXX of Florida ) was XX/XX/XXXX, not XXXX on XX/XX/year>2023. Despite receiving this verified court order, the credit bureau continues to report several accounts as charged off or included in XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ( b ) ), credit bureaus and furnishers must ensure maximum possible accuracy. Reporting accounts as connected to aXX/XX/XXXX that was dismissed is inaccurate and misleading. 

I request that the CFPB require the credit bureau to : Delete or correct all accounts improperly verified ; Provide documentation from the furnishers proving lawful verification ; Ensure all references toXX/XX/XXXXare removed. 

Accounts involved : XXXX XXXX Bank XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX Bank {$840.00} XXXX XXXX XXXX ( XXXX Bank XXXX {$750.00} XXXX Card {$2000.00} Mailed Dismissal Order ( XX/XX/scrub> 2023 ), copies of dispute letters, and credit bureau responses showing verified as accurate.

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 2025-10-24 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: VA

Complaint narrative:
Dear Trans Union : There are at least a few errors with your reporting of this account. First, there is no date of first delinquency being reported. More egregious is how you are reporting the current status. You incorrectly state the account is a collection that was not paid. The account was paid and Trans Union knows as much. Because in the remarks there is statement saying the collection was paid after charge off. The current status field should reflect that it was paid. And also your remark is wrong. Because it states it was not paid in full. That comment needs to be removed or changed to say the full amount was paid. I absolutely paid the amount that was legally owed. 

The CHLD SUPP VA account is for child support. And this type of account only shows up on a report when there is some kind of issue or negative information. There should be no negative information on this account. From whats reporting I do not see anything negative. But you are not reporting everything. Where is the payment history? Also, the account says opened in 2008. But my child support account was opened before then. I need the full account number and any other information that will help identify this account. And I want the payment history.

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 2025-10-24 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In my account XXXX I received a direct deposit from work on XX/XX/XXXX and it was pending. I called later in the day and was told my account was closed on a XX/XX/XXXX but to visit a branch the following day, XX/XX/XXXX and I would be able to withdraw my money. 

XX/XX/XXXX I went to the branch in XXXX, PA. I was told the person I needed to speak to wasn't in and to call on Tuesday ( Monday was a holiday ). 

I called Tuesday XX/XX/XXXX and they said the money can only be received in a cashier 's check in 5 to 7 business days and that's all I could do. 


XX/XX/XXXX I received a letter in the mail stating my account would be closed on XX/XX/XXXX and I could use my account until then. Odd because I was previously told it was closed on XX/XX/XXXX Because of this I didn't change my direct deposit so a second payroll check was sent to an account I can not access as of today XX/XX/2025. 

I still haven't received a check for my direct deposit payments. I also deposited a cashier 's check for around {$380.00} in my account ending in XXXX on XX/XX/XXXX. I was told there was a hold on that and I would receive a cashier 's check for the funds on 5 to 7 business days but have gotten nothing. 

I have XXXX XXXX  and have no access to my money for this whole month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
This correspondence serves as my formal objection to the accounts listed. They were not created with my authorization and appear fraudulent. I request their deletion and a thorough investigation. Documentation is included.

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