vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
I am filing this complaint against Avant for false and damaging reporting to the credit bureaus that violates federal law and common sense. I have been a loyal customer of Avant for over two years and have never missed a single paymentuntil this issue, which stems from a fraud dispute and not negligence on my part. 

In XXXX, I was a victim of fraud and disputed all accounts to investigate unauthorized activity. XXXX payment is due on the first of each month, and I still made the XX/XX/XXXX payment, which was applied toward the XXXX balance while the dispute was active. My Debt Management Plan ( DMP ) was officially accepted on XX/XX/XXXX, and the XXXX balance was included. 

Heres where it gets worse : in XXXX, Avant received XXXX separate paymentsone from the DMP and one directly from me because the account was still showing past due. And yet, Avant had the audacity to report this account as 30 days late on my credit report. This is not only falseits absolutely ridiculous.

The monthly payment on this account is {$25.00}. Yes, just twenty-five dollars. Its laughable that Avant would even suggest I was unable or unwilling to pay such a small amountespecially when Ive gone above and beyond to make sure they were paid twice in the same month.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires creditors to report accurate information and to correct any errors after being notified. Avant has failed in this responsibility. This may also fall under deceptive and misleading practices, which are prohibited under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e.

I am demanding the following : Immediate removal of the incorrect 30-day late mark from all credit bureaus.

Written confirmation that the account is marked as paid on time. 

A full internal review of XXXX handling of DMP enrollments and duplicate payments. 

If this is not resolved right away, I will be contacting an attorney and exploring all legal remedies available to me. I expect a written response and resolution within the CFPBs XXXX timeline. This has caused unnecessary damage to my credit over a {$25.00} payment that was never missed. 

I will not let this go. Fix it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Three unauthorized transactions were made on my account on the following dates : XX/XX/year> XXXX ( XXXX, OH ) {$61.00} XX/XX/year> XXXX XXXX XXXX, OH ) {$140.00} XX/XX/year> XXXX ( XXXX XXXX OH ) {$150.00} I discovered these charges while reviewing my account online on XX/XX/year>, and immediately contacted Bank of America to report them as fraudulent. 

On XX/XX/year>, I received an email from Bank of America ( dated XX/XX/XXXX ) stating that my claim was denied. According to their reasoning, a chip was read, a PIN was entered, and/or a signature was providedsuggesting that either I, or someone I authorized, was present at the time of the transactions. 

That conclusion is inaccurate. Neither my wife nor I, who both have physical possession of our credit cards, have traveled to the XXXX area, nor did we authorize anyone else to use our cards. We were not present for these transactions, and we did not permit anyone to use our account. 

Given Bank of Americas current refusal to refund these fraudulent charges, I will be filing a police report to further document the matter.

I respectfully request any help to resolve the situation.

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 monetary relief
Consumer complaint received 2025-04-15 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I lost my wallet with my sensitive documents inside. It happened twice in the past 2 years. My license, social security card and debit/credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I lost my wallet with my sensitive documents inside. It happened twice in the past 2 years. My license, social security card and debit/credit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am being harassed my mail by a debt collector about a debt I have never owed. This is not my account and I have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NV

Complaint narrative:
Greetings, I am filing this complaint due to my information being used without my knowledge and permission. I am a victim of identity theft. On my credit report there are a lot of accounts with balances on them that i never opened myself. I have proof these accounts are not mine. I am requesting an investigation to remove these accounts. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$330.00} balance. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$1700.00} balance, " XXXX XXXX ' opened XX/XX/XXXX with {$1300.00} balance. " XXXX XXXX XXXX XXXX '' opened XX/XX/XXXX. " XXXX XXXX XXXX '' opened XX/XX/XXXX with {$1100.00} balance. These are all the information i have on these accounts. I have never opened any of these accounts and i don't know where they came from.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
TransUnion has refuse to remove fraudulent information from my profile. I have requested numerous times to send me documents showing how this fraudulent information keeps getting verified. I spoke to a supervisor, his name was XXXX XXXX, today XX/XX/2025. He informed me TranUnion policy is not to send out any outcome of a dispute if another dispute is made. I explained that I been a victim of several data breaches. I have an identity theft affidavit and police report on file. The fraudulent account was open up by XXXX and was removed and added back several times. They even allowed several fraudulent addresses to be added to my profile. Not willing to assist me in fixing these errors they blocked me from accessing my report online. Leaving me with a debt for {$16000.00}. Also they not even reporting accurate information for accounts that are suppose to be on my profile. I request they remove late payments from my XXXX XXXX  account. They refuse to do so even after several months

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 2025-04-15 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: NJ

Complaint narrative:
I was looking at my credit report and saw XXXX account that was open fraudelently. 


XXXX XXXX XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I was looking at my credit report and saw XXXX account that was open fraudelently. 


XXXX XXXX XXXX XX/XX/2024

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding the unresolved credit disputes associated with USAA ( Dispute ID # XXXX ). Despite having received a favorable resolution letter, the funds have not been returned to my account by USAA. As USAA has notified me of their intention to terminate our banking relationship, it is imperative that this matter be resolved promptly before my accounts are closed. 
Timeline of Events On XX/XX/year>, I submitted disputes for the following transactions : Three ( 3 ) charges of {$25.00} each Three ( 3 ) charges of {$100.00} each One ( 1 ) charge of {$98.00} On XX/XX/year>, USAA issued temporary credits to my account for these disputed amounts. 
On XX/XX/year>, these temporary credits were reversed and removed from my account without explanation. 
On XX/XX/year>, I received a letter from USAA indicating that the decision was made in my favor regarding these disputes. 
As of today, XX/XX/year>, the funds have not been returned to my account despite the favorable decision. 

My Attempts to Resolve This Issue I have made multiple attempts to resolve this matter through various communication channels : Multiple phone calls to customer service Email communications Live chat sessions During these interactions, I have been informed that there is no " direct phone line '' to the department that handles these disputes, which has significantly hindered my ability to resolve this issue. 
Request for Resolution Given that USAA has decided to terminate our banking relationship and close my accounts, I request the immediate return of the following funds to my account before closure : {$75.00} ( from three {$25.00} disputed charges ) {$300.00} ( from three {$100.00} disputed charges ) {$98.00} ( from one {$98.00} disputed charge ) Total amount : {$470.00} I have maintained records of all communications and documentation related to this matter, including the XX/XX/XXXX decision letter in my favor. 
Please direct all communication regarding this complaint to me at XXXX or XXXX I look forward to your prompt attention to this matter and a satisfactory resolution before my accounts are closed.

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 monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Dear CFPB Representative, I am writing to respectfully request the reopening or continued review of my recent complaint against M & T Bank ( Manufacturers and Traders Trust Company ) concerning the failure to provide valid, legible, and enforceable documentation regarding a disputed XXXX XXXXXXXX XXXX 
Case Numbers : XXXX, XXXX Background : After months of repeated requests directly to M & T Bank regarding Loan Account Ending in No. XXXX, I was repeatedly informed that no signed loan documents could be located. This included in writing confirmation from bank representatives. As a result of M & Ts failure to provide any documentation and multiple request ignored, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). Only after the CFPB intervened did M & T Bank finally produce documents not to me directly, but as part of their response to the CFPB. Even then, the documents were incomplete, completely unreadable, and lacking clearly legible terms and disclosures, including interest rate details. 
Current Issue : The documents M & T Bank submitted in response to my complaint are incomplete, degraded photocopies, many of which are illegible and unreadable in critical sections. The following essential information remains unclear or missing : The full interest rate structure and calculation ( only partially visible as floating based on XXXX + 2.50 % with an initial rate of 9.25 % adjusted quarterly ). 
The repayment terms and amortization schedule. 
A fully executed borrower agreement outlining rights and obligations. 
Any consumer disclosures required under TILA or other federal lending laws. 
The document quality is so poor that it does not meet legal standards of enforceable documentation, and I have still not received any follow-up directly from M & T Bank acknowledging this issue or attempting to remedy it. This appears to be either gross negligence or a deliberate avoidance of regulatory scrutiny. 
I respectfully request that CFPB take the following actions : 1. Reopen or continue the investigation into this matter.

2. Require M & T Bank to submit a clear, fully legible, and signed copy of the loan agreement and all disclosures provided at origination.

3. Investigate M & Ts practices regarding recordkeeping, loan enforcement, and regulatory compliance related to XXXX XXXXXXXX XXXXXXXX 
This matter remains unresolved and materially affects my business and financial records. I appreciate your attention and assistance in ensuring compliance and accountability. 
Sincerely, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-15 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: MA

Complaint narrative:
My credit is very important to me, and the mistakes on my credit report are getting on my nerves and it's causing me significant stress. There are mixed and fraudulent information on my report that I never authorized or benefited from, and its affecting my ability to secure new credit. I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. This inaccuracy violates federal law and is unjustly affecting my credit standing. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Union ( NFCU ) and their mishandling of a closed credit card account. 

Navy Federal recently withdrew funds from my account to apply toward a credit card that had already been closedwithout my explicit authorization. I never approved or authorized any automatic payments or deductions for this closed account. 

Additionally, prior to this unauthorized transaction, Navy Federal offered me multiple settlement options for resolving the balance. These offers clearly stated that a partial payment would satisfy the debt. However, despite these offers, the credit union went ahead and withdrew the full outstanding amount, ignoring the agreed-upon settlement terms. 

This action is not only misleading and deceptive but also a clear breach of trust and possibly a violation of consumer protection laws. I am requesting that the CFPB investigate this matter and take appropriate action. I also seek reimbursement of the unauthorized amount withdrawn and a correction to any impact this may have had on my credit report. 

Please let me know what documentation is needed to support my complaint. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
There was a credit inquiry made on my credit report by XXXX XXXX that was not authorized by me and the company does not exist. No working number found.

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