vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a savings account with BMO and made legitimate deposits, including a workers compensation check. My account was later flagged and frozen without explanation. I visited the branch multiple times and provided documentation including bank statements, a XXXX XXXX XXXX, a Notice of Hold, and a receipt from a cashed check. 
On XX/XX/year>, I returned to the branch with a full packet of evidence. The banker XXXX XXXX, called the XXXX Crimes XXXX while being present and was told my account had been closed because, '' I never opened an account. '' Despite having proof of account activity and prior verification, the banker did not mention or present my documents during the call I felt dismissed, unheard, and discriminated against. My identity and documentation were ignored. I am requesting a full investigation into XXXX 's handling of my account, identity, and treatment.

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 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I bought a car on XX/XX/year>. I felt extremely peered pressure into adding on XXXX. I was told that it was my only chance to add on the feature and I couldnt have time to think about it. I was also informed I couldnt cancel the add on until 3 months later which was not true. I called a representative on XX/XX/year> and told them I would like to cancel this add on feature. The rep stated they would cancel the add on, send a check to the lender, and send me a confirmation email. Now it is XXXX, and I called XXXX and they tell me the add on was never canceled and a check was never sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-15 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: EQUIFAX, INC.
State: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
am filing this complaint because the information being furnished about this XXXX XXXX account is materially inconsistent, contradictory, and does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

Here are the exact problems : 1.Each bureau shows different data for the same account.

One bureau reports a {$0.00} balance, another reports {$480.00}, another only reports past-due.

High credit amounts, charge-off dates, and activity dates do not match across TransUnion, Experian, and Equifax.

These inconsistencies violate FCRA 607 ( b ) maximum possible accuracy.

2.The comments and reporting codes contradict each other.

Experian says customer disputed, account information reported by subscriber.

Equifax says consumer disputes this account information.

TransUnion claims the data meets FCRA requirements.

All three furnishers can not be correct simultaneously. This inconsistency proves that the data is not being verified or maintained properly.

3.The balance and charge-off status are incompatible.

The bureaus report a charge-off but simultaneously report ongoing balance, which is contradictory unless the furnisher can show a valid chain-of-assignment and current ownership. No such proof has been provided.

4.The furnishing status implies ongoing activity even though the last payment was in XXXX.

Updating a charge-off monthly without validating ownership creates a false appearance of continued delinquency.

This violates FCRA 623 ( a ) ( 2 ) duty to correct and update.

5.The furnisher never validated the debt when disputed.

If the furnisher reports any account after it is disputed, they must provide verification of accuracy before updating the file. That never happened.

This violates FCRA 623 ( a ) ( 3 ).

The reporting is inaccurate, incomplete, and unverifiable and it is harming my credit standing.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 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 2025-11-15 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: TN

Complaint narrative:
I have a XXXX secured credit card, which is also green dot bank. I've had it for over XXXX years and never missed a payment. Back in XXXX I had to move and had to switch banks to capital XXXX bank. 
I missed a payment in early XXXX because they wouldn't accept payment from my new bank, capital XXXX bank. 
That missed payment did make me 30 days late, which i think is unfair, but its fine. 

On XX/XX/XXXX I had to move money from my capital XXXX bank over to my XXXX bank account just to be able to pay XXXX. I transferred over enough to pay off the entire balance of {$150.00} and some change. On XX/XX/XXXX I sent XXXX the money from XXXX and it zeroed out the balance that left me owing no money and no payment. 

On XX/XX/XXXX they reported to all of the credit bureaus that I was over 60 days late and owed a balance of {$250.00}, which is all false. 
In reality I had no payment due, and my payment was only 30 days past due. 
On XX/XX/XXXX I started messaging and calling XXXX and they would either tell me im lying or simply put me on hold and not return to avoid talking to me or fixing the issue. So I disputed everything with all of the bureaus with all of the information I had showing that XXXX was lying. 
Finally, on XXXX XXXX someone from XXXX finally helped me. They told me they had a glitch in their system, but they couldn't report the correct info to the credir bureaus that I would have to dispute it all to have it fixed, which really aggravates me and isn't true. 
Well, I had already disputed it all. 
Instead of doing a proper investigation, all of the credit bureaus took their word for it and left the false information on my credit report. 


At this point I am livid. I have health issues and this XXXX had severely exasperated them. 
I shouldn't be ignored, talked down to, and treated like this over something that is a lie.

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 2025-11-15 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: TN

Complaint narrative:
I have a XXXX secured credit card, which is also green dot bank. I've had it for over XXXX years and never missed a payment. Back in XXXX I had to move and had to switch banks to capital XXXX bank. 
I missed a payment in early XXXX because they wouldn't accept payment from my new bank, capital XXXX bank. 
That missed payment did make me 30 days late, which i think is unfair, but its fine. 

On XX/XX/XXXX I had to move money from my capital XXXX bank over to my XXXX bank account just to be able to pay XXXX. I transferred over enough to pay off the entire balance of {$150.00} and some change. On XX/XX/XXXX I sent XXXX the money from XXXX and it zeroed out the balance that left me owing no money and no payment. 

On XX/XX/XXXX they reported to all of the credit bureaus that I was over 60 days late and owed a balance of {$250.00}, which is all false. 
In reality I had no payment due, and my payment was only 30 days past due. 
On XX/XX/XXXX I started messaging and calling XXXX and they would either tell me im lying or simply put me on hold and not return to avoid talking to me or fixing the issue. So I disputed everything with all of the bureaus with all of the information I had showing that XXXX was lying. 
Finally, on XXXX XXXX someone from XXXX finally helped me. They told me they had a glitch in their system, but they couldn't report the correct info to the credir bureaus that I would have to dispute it all to have it fixed, which really aggravates me and isn't true. 
Well, I had already disputed it all. 
Instead of doing a proper investigation, all of the credit bureaus took their word for it and left the false information on my credit report. 


At this point I am livid. I have health issues and this XXXX had severely exasperated them. 
I shouldn't be ignored, talked down to, and treated like this over something that is a lie.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Dear Sir/Madam, I am submitting this formal complaint regarding an incident that occurred on XX/XX/year>, at M & T Bank XXXX XXXX XXXX XXXX XXXX during which I was denied access to my own funds without any legitimate policy or regulatory basis. I believe the banks actions were improper, discriminatory, and inconsistent with federal requirements and standard banking practices. 
On XX/XX/year>, I attempted to withdraw {$5000.00} in cash from my checking account. I have been a customer of M & T Bank for over 20 years and routinely conduct large transactionsboth withdrawals and depositswithout issue. 
At the branch, the teller, XXXX XXXX XXXX, reviewed my account for an extended period and stated that she needed a reason for the withdrawal. She further claimed that because I do not visit the branch often, the request appeared suspicious. This statement was inaccurate, as I had visited the same branch XXXX weeks earlier and obtained a cashiers check for nearly {$6000.00}. Despite this, XXXX XXXX continued to insist that a reason was required. 
The matter was escalated to her supervisor, XXXX XXXX XXXX, who stated that the transaction required his override and that it would not be approved unless I provided an explanation. When I declinedbecause, I did not have XXXX, as I am under no legal obligation to justify a lawful withdrawal under $ XXXX transaction was denied and my funds were withheld. When I asked to see the written policy that supported this requirement, it was not provided and I was told that they are unable to help me Both employees referenced federal law regarding Currency Transaction Reports ( CTRs ) for this transactions. I explained that my withdrawal request did not meet this threshold, and therefore a CTR was not applicable. Despite this, the withdrawal was still improperly refused. 
During this process, I observed that other nonAfrican American customers were served without similar questioning or scrutiny. Based on the treatment I received, the inconsistent application of procedures, and the insistence that I justify a lawful transaction without policy support, I left the branch feeling that I was being treated as if I were attempting to engage in illegal activity. I believe I was subjected to disparate treatment and discriminatory conduct. 

I respectfully request the XXXX assistance in : Investigating this incident and M & T Banks handling of cash withdrawal requests, Determining whether the banks actionsincluding potential discriminationviolated consumer protection and fair banking laws, and ensuring that customers are not improperly denied access to their own funds in the future. 

Proper actions towards both employees Thank you for your attention to this matter. I look forward to your response.

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 2025-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Filed a complaint with fifth third I was told that my money was stolen and transactions are fake but dismissed dispute because of timely. File a case with FDIC also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
am filing this complaint because the information being furnished about this XXXX XXXX account is materially inconsistent, contradictory, and does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

Here are the exact problems : 1.Each bureau shows different data for the same account.

One bureau reports a {$0.00} balance, another reports {$480.00}, another only reports past-due.

High credit amounts, charge-off dates, and activity dates do not match across TransUnion, Experian, and Equifax.

These inconsistencies violate FCRA 607 ( b ) maximum possible accuracy.

2.The comments and reporting codes contradict each other.

Experian says customer disputed, account information reported by subscriber.

Equifax says consumer disputes this account information.

TransUnion claims the data meets FCRA requirements.

All three furnishers can not be correct simultaneously. This inconsistency proves that the data is not being verified or maintained properly.

3.The balance and charge-off status are incompatible.

The bureaus report a charge-off but simultaneously report ongoing balance, which is contradictory unless the furnisher can show a valid chain-of-assignment and current ownership. No such proof has been provided.

4.The furnishing status implies ongoing activity even though the last payment was in XXXX.

Updating a charge-off monthly without validating ownership creates a false appearance of continued delinquency.

This violates FCRA 623 ( a ) ( 2 ) duty to correct and update.

5.The furnisher never validated the debt when disputed.

If the furnisher reports any account after it is disputed, they must provide verification of accuracy before updating the file. That never happened.

This violates FCRA 623 ( a ) ( 3 ).

The reporting is inaccurate, incomplete, and unverifiable and it is harming my credit standing.

Company response to consumer: Closed with non-monetary relief