vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX - XXXX XXXX- took over XXXX XXXX XXXX XXXX card right a year before Covid.

I always sent my bill on time in mail by check - I had nearly a 800 credit. 
Then in XXXX I sent my payment. They said never received and lost in mail.. I verified through USPS it was delivered - they charged me hefty late fee.... I sent a second payment covering both payments... second month. They again charged me late fee an I was delinquent.

I actually called the USPS administrator at their location and they verified I had sent the check and was delivered.

Now I am over 60 days late.... credit rating???

From then I sent by wire from my checking account to them.

After about six months I sent a payment on day before payment to give debit 24 hours.

They said was late and charged me a late fee... Starting it went through the day after.

Then for the next 2 years I was very careful to send 2 days before... still 2 times they assessed late fees.

credit rating??? Covid hurt my family with work. Had to use card.

Then went on the 3 year game..... 
XXXX payment XXXX & XXXX- then XXXX or XXXX for the next 3 months. 
The first year I was able to pay. 
The second they did the same thing... paid one month... second I paid in 2 half payments before deadline.... they still charged me huge fee and carryover.

Called in the next 2 years ... always the same... we can charge what you owe - really anyway we want.

Now things got worse next year. 
They did the XXXX for 5 months ... after 2 I paid what I could. Told them I was struggling. 
XXXX of XXXX they gave me notice to pay off about 70 % and put me in default. 
They continued to pile on interest. 
- by grace of God and good fortune I paid it off in 3 large payments in the XXXX of XXXX. 
I cancelled card. I was never able to use. I verified it. I verified it again with CS.

Then a month ago they reopened my card from a payment I didn't authorize. I called and they said it was taken care of. Got a second bill and called and they sent me closed account no charge.

systematically VULTURED me and always CS double talk

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Good afternoon, I recently review a copy of my check system report and notice I had fraudulent accounts on my report identity theft. Please remove these accounts from my report, they are hurting my ability to obtain a bank account for my work finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
I have disputed with Experian on multiple occasions regarding two inaccurate and unverifiable items : a reported XXXX  XXXX bankruptcy and a XXXX XXXX charge-off. 

Bankruptcy Experian is reporting a XXXX XXXXXXXX bankruptcy filed in XX/XX/year>. My XXXX Consumer Disclosure Report ( Exhibit A ) confirms there are no bankruptcy records associated with my file. Since XXXX is the primary vendor Experian relies upon for public record data, Experian has no factual or legal basis to continue reporting this bankruptcy. 

XXXX XXXX Charge-Off Experian is reporting a XXXX XXXX XXXX account as both charged-off and closed with a {$0.00} balance. This reporting is contradictory, misleading, and inaccurate. It creates the false impression of an unresolved default when no active balance exists. I requested documentation such as the original signed contract and complete payment history, but Experian failed to provide it.

Despite my disputes and requests for verification, Experian continues to report both derogatories. This demonstrates a failure to comply with the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : failure to properly reinvestigate and delete unverifiable information.

These inaccurate items are causing serious harm to my credit file and financial reputation, especially given that my credit history is subject to government 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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: NH

Complaint narrative:
Received a debt letter, I never received original bill from medical provider. Unsure what it is even for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 disputing several hard inquiries that appear on my credit report. These inquiries were not authorized by me, and I never gave permission for these companies to access my credit file. I have already contacted the credit bureaus, but the inquiries remain on my report. These unauthorized inquiries are harming my credit profile and lowering my credit score. According to the Fair Credit Reporting Act ( FCRA ), only inquiries with a permissible purpose and proper authorization should be reported. I request that these inquiries be validated with the original creditors. If they can not provide proof of my authorization, the inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX2025 / Experian XXXX XXXX XXXX XXXXXX/XX/scrub>/2025 / Experian XXXXXXXX XXXX XXXX / XX/XX/year>2025 / Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is showing XXXX XXXX living at XXXX XXXX XXXX, XXXX Fl. This is not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Formal Dispute and Request for Deletion of Unauthorized/Inaccurate Credit Inquiries ( FCRA ) Dear TransUnion, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681i, and 1681s-2, to dispute the following credit inquiries that appear on my TransUnion credit report for the year XXXX. These inquiries were not authorized by me, lack a permissible purpose under the law, or are otherwise inaccurate. Therefore, I respectfully request an immediate investigation and removal of these items from my credit file. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discover Personal Loans XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information within 30 days. If these inquiries can not be verified as accurate and authorized with proper documentation, they must be deleted from my file immediately. 
Please provide me with written confirmation once these inquiries have been removed, along with an updated copy of my credit report. 
Sincerely, 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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX. No Written Notice Before Sale Page XXXX of the contract ( Sale of the Repossessed Vehicle ) clearly requires that any notice of intended sale be mailed to my last known address within a reasonable period before the sale. No such notice was received. 

XXXX. Right to Redeem The contract affords me the right to pay the amount due and reclaim the vehicle prior to sale. This right was denied as no notice was provided. 

XXXX. Potential Conversion Selling the vehicle without notice and without affording me the right to redeem constitutes a potential wrongful repossession and conversion under Michigan law ( MCL XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I received a notice from American Accounts and Advisors dated XX/XX/year> citing a debt of {$340.00} on behalf of the creditor XXXX XXXX XXXX XXXX XXXX I have not received any XXXX care within this year, thus I suspect that this bill is fraudulent. 

As I was concerned about providing the debt collector, American Accounts and Advisors, any more of my personal information, I searched the internet to find out more about their company. It appears that a multitude of individuals have had similar experiences with American Accounts and Advisors. Notably, one individual describes that American Accounts and Advisors stole XXXX  of dollars from their account. See this link for XXXX Reviews citing similar fraudulent attempts at debt collection XXXX XXXX XXXX XXXXXXXX % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I believe that American Accounts and Advisors has been allowed to fraudulently collect debt from the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I am writing to formally dispute several negative and inaccurate items appearing on my Experian credit report dated XX/XX/year>2025 These items are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), and related consumer protection laws.

Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information about consumers without proper authorization. I have not given authorization for the extensive and damaging reporting of derogatory information. Therefore, the continued furnishing of this information to Experian is a violation of my privacy and consumer rights.

Additionally, the FCRA ( 15 U.S.C. 1681i ) requires consumer reporting agencies to ensure maximum possible accuracy of information. The accounts listed below contain late payments, charge-offs, or derogatory reporting that I dispute as inaccurate, incomplete, or unverifiable : XXXX XXXX  ( multiple accounts ) reported as charged off with repeated derogatory notations XXXX XXXX XXXX XXXX XXXX reported with 60, 90, and 120 day lates XXXX XXXX XXXX reported with four late payments before closure XXXX XXXX reported with a 30-day late These reports cause undue harm to my creditworthiness and violate my right to accurate and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I am writing to formally dispute several negative and inaccurate items appearing on my Experian credit report dated XX/XX/year>2025 These items are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), and related consumer protection laws.

Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information about consumers without proper authorization. I have not given authorization for the extensive and damaging reporting of derogatory information. Therefore, the continued furnishing of this information to Experian is a violation of my privacy and consumer rights.

Additionally, the FCRA ( 15 U.S.C. 1681i ) requires consumer reporting agencies to ensure maximum possible accuracy of information. The accounts listed below contain late payments, charge-offs, or derogatory reporting that I dispute as inaccurate, incomplete, or unverifiable : XXXX XXXX  ( multiple accounts ) reported as charged off with repeated derogatory notations XXXX XXXX XXXX XXXX XXXX reported with 60, 90, and 120 day lates XXXX XXXX XXXX reported with four late payments before closure XXXX XXXX reported with a 30-day late These reports cause undue harm to my creditworthiness and violate my right to accurate and fair reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WA

Complaint narrative:
My direct express card was not working on my direct withdraw accounts, that I've paid for with my card for over 5 years no problem. Very credited, world renoned, companies everyone uses XXXX XXXX, XXXX, and XXXX. When I called to inquire why this was, I was told system flagged something as fraud on XXXX. So they half shut down the card I had used XXXX mins prior to that for a few items at store gfc, but still wouldn't pay my XXXX accounts so they closed all three accounts.i kept calling direct express and was put on hold for over 2 hours at a time, more then once a day for numerous days trying to figure it out. I was hung up on several times by supervisors and other. Once after XXXX hrs waiting for super it just disconnected. I've been emotionally draineded at being talk down to like I'm an XXXX or something when all I wanted was explanation what flagged the system for fraud. No answer. I have my card now is shut down and I haven't received new one yet and can't access any money. Bills overdue and no food or cat food. On hold now for over 2 hrs right now. Please this is so not right because I'm XXXX or whatever is reason for all this they won't tell me. I know it's not my accounts, XXXX XXXX or XXXX, I did nothing different, so it's their situation. Why am I being punished. Completely wrong. I wish I could get a check once a month it would be much easier then direct express and their bank.yhank you

Company response to consumer: Closed with non-monetary relief