vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ).

The disputed item ( s ) are : US DEPT ED - XXXXXXXX XXXX XXXX - Collection/Chargeoff XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection/Chargeoff DP OF EDUC - XXXXXXXX XXXX XXXX - Closed XXXX  - XXXX XXXX  - Collection/Chargeoff XXXX XXXX - XXXXXXXX XXXX XXXX - Collection/Chargeoff

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: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Around XX/XX/XXXX I was informed that my account had a negative balance, I told the bank I would correct that by the end of the week because my paycheck would be deposited since I have direct deposit. 
The week of XX/XX/XXXX I was out of town on vacation and tried logging into my account to make sure my account was on good standings. I was unable to log into my account, I tried calling them and was told that they locked my account because they are reviewing it and I was receive a letter in the mail. I still have not received a letter in the mail on why my account is on hold & I have tried calling numerous times but never get an answer to my questions. 

In the meantime, I have had my pay checks still being deposited into my account. I'm not able to obtain my funds, my automatic bill pays that I have set up our being sent back. I want to know where my pay checks are going? They will not give me access to my money.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection

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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Collection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last updated XX/XX/year> Current Balance {$230.00} I called the collection agency and they promise to delete this account for inaccuracy.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Truists business banking account in XX/XX/year>. At first everything was going well, up until XXXX when my business was facing a lot of hardships I own a small take out restaurant. Some very small ach debits would be coming out on Monday some as low as {$10.00} and i would just be hit with 3-4 overdrafts fees all at once which would further make my account negative. I called to let them know my situation and the hardship Im facing in XXXX because I couldnt take it anymore. I told them in beginning of XXXX that I had {$570.00} dollars in overdraft fees within 10 days. I asked them if they can get me some courtesy refunds just once so I can have some relief. They denied me 3 times and say I dont meet the criteria and dont qualify for that service. They then proceeds to try to sell me a credit card to help with this issue. So then this week i tried to be very careful about every single thing coming out my account. Its a business theres always pending charges because its in constant use. On XXXX XXXX XXXX I check 10 times a day to make sure Im only spending what I have! I used XXXX XXXX on Thursday XXXX for {$180.00} I saw that the money was put on hold and reflected in my available balance. Then on XXXX I checked my account at XXXX I saw I had {$980.00} available balance I proceeded to use the funds accordingly. I went to shop for my business. I sent a {$75.00} XXXX  and {$5.00} XXXX XXXX for tipping purposes. My account was still left positive about {$45.00} dollars available at the end of the day. This morning I checked my account and it said I was - {$240.00} Thats including 3 overdraft fees {$36.00} each. They I didnt have the funds available for {$5.00} XXXX XXXX {$75.00} XXXX  and {$100.00} in XXXX  processing fees which all these fees were already reflecting in my available balance on Friday XXXX. And theyre saying the XXXX XXXX from Thursday just posted which caused all of the negative transactions. Now Im calling and theyre saying I used these debits before my credits. But in XXXX XXXX XXXX my ach credits came in early morning!!! And I didnt make purchases til late afternoon. I tried to speak to a supervisor and a manager at the branch and they told me I still dont meet the criteria the system generated back in XXXX. This was not me misusing funds. I only used what their XXXX XXXX showed me I can use. Its very misleading. I told them I will be looking for another business account elsewhere. And they offered to close my debit card for me like they genuinely did not care!

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received two " New Inquiries '' alerts from XXXX on XX/XX/XXXX, and two " New Account '' credit alerts on XX/XX/XXXX from Syncb/ppmc. I do not know what these companies are, and did no apply with any credit companies, so these were not made by me. The associated addresses are respectively : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, PA 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One main financial through XXXX XXXX charging me fees and interest and my statement minimum jumped up over 9 times the normal amount when I called to ask for a break down they said its on my paper statement I had my statement in hand and said no its not then they said oh they are not allowed to do those calculations???? Why would someone at the cc company not be able to tell me why I owe what I owe and why was the solution she will file a complaint not someone will get back to you with this information just Ill file a complaint if theres nothing else good bye. I am beyond confused why this company is not transparent other than to start praying on peoples oversight I always make my payments and so its strange and they are always around the same then all of the sudden through the rough Im making debit card payments that dont reflect on my end its just unfair to charge me but when I ask why you say we arent telling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
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: PNC Bank N.A.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the mishandling and delay of my request for a provisional credit of {$660.00} for a disputed transaction with XXXX XXXX. My financial institution is PNC Bank, and the representative handling my case has been XXXX XXXX. 

On XX/XX/year>, XXXX XXXX initially contacted me about my case. She informed me that she would be going on vacation on XX/XX/year>, and since then, I have not received any further communication from her. Despite calling PNC multiple times on different days, I have only been told repeatedly that a manager would call me back. However, no manager has ever followed up. 

PNC advised me that the deadline for XXXX XXXX to respond to the dispute was XX/XX/year>, and that I might receive a provisional credit after that date. However, as of XX/XX/year>, I have still received no update, no provisional credit, and no communication from PNC. 

I consider this an unreasonable delay and a failure to expedite my request, especially since I urgently need access to my funds. The lack of communication, combined with the repeated promises of a callback that never occurs, has caused unnecessary stress and hardship. 

I am requesting that the CFPB investigate this matter and ensure that PNC Bank immediately issues my {$660.00} provisional credit while the investigation continues, as required by law. 

Thank you for your time and assistance.

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: OH

Complaint narrative:
So i have sent multiple disputes to Experian, Equifax and TransUnion with no update over months and disputes still lingering. I asked for accounts to be verified and updated as well as certain thing ch e checked for accuracy. I have received no update as well as it being all 3 bureaus. Whatever they are doing or NOT doing is hurting my credit score. Very bad to where I believe it shouldn't be and accounts are being reported wrong or not updated in a timely manner. If theses things cant be verified or updated in a certain windows then I have the right to have them removed. Please help

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
So i have sent multiple disputes to Experian, Equifax and TransUnion with no update over months and disputes still lingering. I asked for accounts to be verified and updated as well as certain thing ch e checked for accuracy. I have received no update as well as it being all 3 bureaus. Whatever they are doing or NOT doing is hurting my credit score. Very bad to where I believe it shouldn't be and accounts are being reported wrong or not updated in a timely manner. If theses things cant be verified or updated in a certain windows then I have the right to have them removed. Please help

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: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: SC

Complaint narrative:
I am filing this urgent complaint with the Consumer Financial Protection Bureau regarding fraudulent and unauthorized debt collection accounts that are being reported on my credit file. This account is not mine, I never authorized them, and I have no contractual agreement with this company. 

The following account is false and must be removed : Oliphant USA LLC XXXX Violations of Law Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) : Furnishers must report only accurate information. Reporting debts not owed is a violation.

Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) : Prohibits false or misleading representations in debt collection, including attempting to collect debts not owed.

FTC Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive practices. Reporting and collecting non-existent debts is deceptive and unlawful.

South Carolina Consumer Identity Theft Protection Act ( S.C. Code Ann. 37-20-180, 37-20-190 ) : Prohibits use of consumer information without consent and requires fraudulent data to be blocked.

CFPB Enforcement Authority : CFPB has jurisdiction to enforce compliance with FCRA and FDCPA.

I have already filed a complaint with the Federal Trade Commission regarding this unauthorized account. A copy of the FTC Complaint Report is attached to this submission for supporting evidence.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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

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: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I purchased an XXXX XXXX and financed the purchase with XXXX XXXX 
In XXXXXXXX XXXX XXXX, the vehicle was involved in an accident, and the vehicle was repossessed by the financial institution, which later sent documentation of selling the vehicle at an auction without my knowledge or consent. 
The assertions of the remaining balance of {$6000.00} continued to be reported on all three XXXX reports as charged off/Collection on all my credit reports. I had disputed the charges in futility with EXXXX XXXX XXXX XXXX XXXX  continued to impact my credit reports with the transaction as COLLECTION. 
XXXX  was included in the financing of the purchase of the vehicle, and the XXXX document supports that the total loss of the vehicle with outstanding financial liability at the time of loss would be paid off in full by XXXX XXXX.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
There is a citi bank card that is not mine, the payments for it are not coming out of my account, the info the credit companies have on file is not my info ( email, number, and address ) I have no knowledge of this card at all. The credit company states it is my card but it is not I have no knowledge of this account at all and if it was opened with my info it was opened fraudulently.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This complaint is related to my prior CFPB case # XXXX against Midland Credit Management , Inc. That case is now closed, but I have obtained new evidence of ongoing violations and material changes to MCMs credit reporting that did not exist at the time of my original filing.

In my original dispute, I specifically requested : Proof of legal ownership and authority to collect ( bill of sale, assignment agreement, chain of title ). 

Itemized account history and balance breakdown from the original creditor. 

Date of First Delinquency ( DOFD ) from original creditor records.

Substantive validation under FDCPA 809 ( b ) not just a verification letter.

Address verification before mailing notices, given public eviction records.

Correction or deletion of inaccurate reporting if documentation could not be produced. 

Acknowledgment and remedy for licensure impact. 

MCM failed to provide this information, yet continued to furnish the disputed tradelines. 

New evidence since my prior feedback ( XX/XX/XXXX ) : XXXX changes to credit reporting First reported dates for both accounts changed from XX/XX/XXXX in my initial credit report to XX/XX/XXXX in my current consolidated report ( Exhibit A ). This occurred after my disputes and without documentation, suggesting reaging or concealment of premature reporting. 

Premature reporting + defective notice MCM reported to CRAs before I had a meaningful opportunity to dispute, while sending notices to an address from which I had been publicly evicted prior to mailing. Public records and CRA address history confirm they could have obtained my current address through USPS XXXX or XXXX. 

Ongoing omission of DOFD Both tradelines still lack DOFD, preventing CRAs from calculating the correct reporting period and violating FCRA completeness requirements. 

State law violations These actions also violate the Texas Debt Collection Act ( 392.304 ( a ) ( 8 ), ( 19 ), 392.202 ) and the Texas Deceptive Trade Practices Act ( 17.46 ( b ) ).

Company response to consumer: Closed with non-monetary relief