vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am disputing charges and fees on my Avant credit card, which has not been actively used in over a year. In XX/XX/2024, a {$29.00} annual fee was assessed without my awareness, followed by auto-payments that failed due to a closed bank account. Avant then assessed late fees and interest compounding monthlyeven though the account remained inactive. 

I contacted Avant by email on XX/XX/XXXX and again on XX/XX/XXXX, requesting a reversal of excessive fees and a review of the account under the Fair Credit Billing Act. They acknowledged my complaint but have not resolved it. Instead, additional fees were charged and negative credit reporting continued during the dispute review, which I believe is unfair and potentially unlawful under both the Fair Credit Billing Act and the Fair Credit Reporting Act. 

I am seeking reversal of late fees and interest, correction of the credit report, and a resolution that reflects the inactivity of the account and the small original charge. I have made every attempt to resolve this directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Experian due to its willful negligence, repeated noncompliance, and blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the credit bureau has failed to take corrective action regarding the unauthorized inquiries listed below. 
This is no longer a simple oversightit is a systematic refusal to comply with federal law, and I am demanding immediate federal intervention. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Legal Basis for This Complaint 1 Section 611 ( 15 U.S.C. 1681i ) : Failure to Investigate Disputed Information More than 30 days have passed since my initial dispute, and the credit bureau has failed to complete a lawful reinvestigation or correct the unauthorized data, as mandated.

2 Section 609 ( 15 U.S.C. 1681g ) : Failure to Disclose Information I have not received any supporting documentation, results of investigation, or evidence of permissible purpose for these inquiries, in violation of my right to full file disclosure.

3 Section 604 ( 15 U.S.C. 1681b ) : Impermissible Access to My Credit Report These inquiries were made without my consent, without a valid application, and for purposes that do not qualify under any of the legally defined permissible uses.

Demands for Immediate Action 1 Initiate and enforce a full federal-level investigation into the failure of the credit bureau to comply with FCRA standards regarding unauthorized inquiries.

2 Compel the immediate and permanent deletion of all unauthorized inquiries identified.

3 Mandate that the credit bureau provide documentation validating any inquiry it claims was permissible, including date, purpose, and consumer authorization.

4 Ensure I receive a corrected copy of my credit report showing the removal of all unauthorized items.

5 Provide confirmation of all steps taken in writing within 15 days of receipt of this complaint.

Escalation Warning If the CFPB fails to act promptly, I will pursue : Civil legal action in state or federal court under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, Statutory damages, actual damages, and punitive relief for the credit bureau 's refusal to correct or remove harmful, unverified information, Filing formal complaints with the FTC, State Attorney Gen
eral, and additional regulatory entities, Press disclosure and legal representation regarding the bureaus systemic failure to respect consumer rights.

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 2025-06-22 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: SC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-22 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: SC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, upon reviewing my credit report, a request was submitted to Experian to investigate about the following inquiries that are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. No response was XXXX. XXXXXXXX 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 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My boyfriend and I recently opened a joint savings account online with Synchrony Bank. He already had an account there, and I submitted my information to be added. Everything seemed to go through smoothly about a week ago. 

However, today we received a letter from the bank requesting my signature. To my surprise and concern, the letter included my full Social Security Number printed clearly on the page. I was shocked and upsetat no point did I consent to having my full SSN sent through the mail. I have loans, credit cards, and other financial accounts, and Ive never seen any institution include a full SSN in physical mail before. 

I have no idea who may have seen or handled this piece of mail, and I feel that this was not only highly disrespectful, but potentially illegal. Im very concerned about the safety of my personal 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 2025-06-22 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: SC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX for illegal re-aging, inaccurate reporting, and willful violation of the Fair Credit Reporting Act ( FCRA ), including the manipulation of account status following successful dispute resolutions. 

This auto loan account was marked closed as of XX/XX/XXXX, with a {$0.00} balance and the remark Paid Profit and Loss reflected across all three credit bureaus. I disputed the accuracy of this account twice first on XX/XX/XXXX for an incorrect high balance, an inaccurate date of last activity re-aged accounts, " reinsertion without proper notice '', an undated late payment, a charge off listed as open a collection account with a limit. 

Then again on XX/XX/XXXX for inaccurate dates and balances. Both disputes were approved, confirming that the information XXXX had furnished was inaccurate. 

However, just XXXX days after the most recent resolution, on XX/XX/XXXX, XXXX re-reported the same account, this time showing a new balance of {$24000.00} and changing the remark to Profit and Loss Write-Off. This sudden re-reporting caused a XXXX drop in my XXXX XXXX and directly contradicted the outcomes of both prior disputes. 

This re-reporting : Ignores and undermines the previous dispute resolutions Reopens a closed, resolved account without justification Creates the false appearance of recent delinquency, constituting illegal re-aging under FCRA 605 ( c ) and 623 ( a ) ( 5 ) Was carried out without any written notice, billing, or explanation as required by FCRA 623 ( a ) ( 7 ) and 615 ( a ) There was no new contract, no payment, and no communication to justify this update. My last payment for the vehicle was in XX/XX/XXXX, and it was towed in XX/XX/XXXX following an accident that rendered the vehicle undrivable. As shown in XXXX of the attached screenshots, they falsely report the last payment as XX/XX/XXXX a date that is blatantly inaccurate. Additionally, I was never contacted by XXXX regarding any risk of repossession, nor was I given an opportunity to resolve the situation. In fact, I only learned that the vehicle had been repossessed by viewing my XXXX  credit report not through any notice, call, or correspondence from XXXX. This failure to notify me of such a serious derogatory action further violates FCRA 623 ( a ) ( 7 ) and 615 ( a ). 

Santanders actions are not only materially inaccurate they are predatory and appear retaliatory, occurring just days after I successfully challenged and corrected their reporting. This behavior reflects a pattern of noncompliance and disregard for consumer protections.

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 2025-06-22 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: CA

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX for illegal re-aging, inaccurate reporting, and willful violation of the Fair Credit Reporting Act ( FCRA ), including the manipulation of account status following successful dispute resolutions. 

This auto loan account was marked closed as of XX/XX/XXXX, with a {$0.00} balance and the remark Paid Profit and Loss reflected across all three credit bureaus. I disputed the accuracy of this account twice first on XX/XX/XXXX for an incorrect high balance, an inaccurate date of last activity re-aged accounts, " reinsertion without proper notice '', an undated late payment, a charge off listed as open a collection account with a limit. 

Then again on XX/XX/XXXX for inaccurate dates and balances. Both disputes were approved, confirming that the information XXXX had furnished was inaccurate. 

However, just four days after the most recent resolution, on XX/XX/XXXX, XXXX re-reported the same account, this time showing a new balance of {$24000.00} and changing the remark to Profit and Loss Write-Off. This sudden re-reporting caused a XXXX drop in my credit score and directly contradicted the outcomes of both prior disputes. 

This re-reporting : Ignores and undermines the previous dispute resolutions Reopens a closed, resolved account without justification Creates the false appearance of recent delinquency, constituting illegal re-aging under FCRA 605 ( c ) and 623 ( a ) ( 5 ) Was carried out without any written notice, billing, or explanation as required by FCRA 623 ( a ) ( 7 ) and 615 ( a ) There was no new contract, no payment, and no communication to justify this update. My last payment for the vehicle was in XX/XX/XXXX, and it was towed in XX/XX/XXXX following an accident that rendered the vehicle undrivable. As shown in XXXX of the attached screenshots, they falsely report the last payment as XX/XX/XXXX a date that is blatantly inaccurate. Additionally, I was never contacted by XXXX regarding any risk of repossession, nor was I given an opportunity to resolve the situation. In fact, I only learned that the vehicle had been repossessed by viewing my Experian credit report not through any notice, call, or correspondence from XXXX. This failure to notify me of such a serious derogatory action further violates FCRA 623 ( a ) ( 7 ) and 615 ( a ).

Santanders actions are not only materially inaccurate they are predatory and appear retaliatory, occurring just days after I successfully challenged and corrected their reporting. This behavior reflects a pattern of noncompliance and disregard for consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX for illegal re-aging, inaccurate reporting, and willful violation of the Fair Credit Reporting Act ( FCRA ), including the manipulation of account status following successful dispute resolutions. 

This auto loan account was marked closed as of XX/XX/XXXX, with a {$0.00} balance and the remark Paid Profit and Loss reflected across all three credit bureaus. I disputed the accuracy of this account twice first on XX/XX/XXXX for an incorrect high balance, an inaccurate date of last activity re-aged accounts, " reinsertion without proper notice '', an undated late payment, a charge off listed as open a collection account with a limit. 

Then again on XX/XX/XXXX for inaccurate dates and balances. Both disputes were approved, confirming that the information XXXX had furnished was inaccurate. 

However, just four days after the most recent resolution, on XX/XX/XXXX, XXXX re-reported the same account, this time showing a new balance of {$24000.00} and changing the remark to Profit and Loss Write-Off. This sudden re-reporting caused a XXXX drop in my credit score and directly contradicted the outcomes of both prior disputes. 

This re-reporting : Ignores and undermines the previous dispute resolutions Reopens a closed, resolved account without justification Creates the false appearance of recent delinquency, constituting illegal re-aging under FCRA 605 ( c ) and 623 ( a ) ( 5 ) Was carried out without any written notice, billing, or explanation as required by FCRA 623 ( a ) ( 7 ) and 615 ( a ) There was no new contract, no payment, and no communication to justify this update. My last payment for the vehicle was in XX/XX/XXXX, and it was towed in XX/XX/XXXX following an accident that rendered the vehicle undrivable. As shown in one of the attached screenshots, they falsely report the last payment as XX/XX/XXXX a date that is blatantly inaccurate. Additionally, I was never contacted by XXXX regarding any risk of repossession, nor was I given an opportunity to resolve the situation. In fact, I only learned that the vehicle had been repossessed by viewing my Experian credit report not through any notice, call, or correspondence from XXXX. This failure to notify me of such a serious derogatory action further violates FCRA 623 ( a ) ( 7 ) and 615 ( a ).

Santanders actions are not only materially inaccurate they are predatory and appear retaliatory, occurring just days after I successfully challenged and corrected their reporting. This behavior reflects a pattern of noncompliance and disregard for consumer protections.

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 2025-06-22 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: IL

Complaint narrative:
Recently I looked at a copy f my credit and noticed several incorrect accounts I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these its fore to ensure accuracy. Here are the items I am asking about to verify as accurate. XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
Recently I looked at a copy f my credit and noticed several incorrect accounts I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these its fore to ensure accuracy. Here are the items I am asking about to verify as accurate. XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
{$900000.00} Checking and Savings balance deduction without recourse

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I had lost my job and got an unemployment check from ohio unemployment so I had went to cash it from my bank account with huntington national bank a mobile deposit. An a hold was placed on it while they verify the funds after multiple trips there and a meeting with the branch manager i get a letter in the mail saying there closing my account for suspected fraud this all is happening in XXXX of XXXX. BUT at the end of the month of XXXX huntington bank sends me a check for the amount that I try to deposit. Saying the check was real, but my account still got closed and now I can't open it. Any new bank accounts? Because I'm flagged in whatever system they use to check that. The check was for 4 weeks of unemployment that was around XXXX

Company response to consumer: Closed with non-monetary relief