vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: NH

Complaint narrative:
Company : XXXX XXXX  XXXX Loan Number : XXXX Issue Type : Credit reporting / Mortgage servicing / Force-placed insurance I am submitting this follow-up complaint in response to XXXX XXXX  XXXX CFPB response dated XX/XX/year>. 

While XXXX acknowledged that force-placed insurance was no longer needed and confirmed that the related charges were reversed and reimbursed after I provided proof of continuous insurance, XXXX refuses to correct the resulting negative credit reporting. This refusal is causing ongoing and material consumer harm. 

Key Facts ( Not in Dispute ) : I maintained continuous property insurance coverage at all times. XXXX placed lender-placed insurance at the time they did not have proof of insurance for my property and charged it to my escrow. Those charges caused an artificial escrow shortage and a subsequent past-due balance. They reported a delinquency to the credit bureaus, that arose solely because of the now-reversed force-placed insurance charges. After I provided proof of insurance, XXXX cancelled the lender/force-placed hazard insurance, reversed the charges and reimbursed the amounts.. 

Ongoing Material Harm : Since XXXX has refused to correct the credit reporting, I applied for a mortgage refinance and I am at the risk of being denied due to the late payment attributed to XXXX 's reporting. Should I loan be denied, it will constitute an actual material financial harm, not a hypothetical concern. 

Basis of Dispute : XXXX asserts that the delinquency was accurate at the time it was reported. However, this position fails to address that : - The underlying obligation was later determined to be invalid and reversed - Continuing to report a delinquency caused by a reversed duplicate insurance purchase is materially misleading, even if it was technically accurate at a moment in time Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to reasonably investigate disputes and correct or delete information found to be inaccurate or misleading.

XXXX  response does not explain how continuing to report a delinquency caused by a duplicate insurance purchase that has since been reversed, complies with its obligation to ensure the accuracy and integrity of furnished information, particularly where the reporting is now demonstrably harming me, the consumer. 

I am attaching : Proof of continuous insurance coverage XXXX  CFPB response Evidence of charge reversal Refinance documentation I appreciate CFPBs assistance in resolving this matter, as XXXX position leaves me with ongoing credit damage for an issue they have already acknowledged and corrected financially but not in my credit record.

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 2025-12-26 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: PNC Bank N.A.
State: TX

Complaint narrative:
I recently became aware of overdraft charges, which appear to have accumulated over the past year and a half due to account inactivity and falling below the minimum balance requirement. Due to a personal oversight and a lack of communication between the joint account holders, I was unaware that the account was no longer being used for active transactions. I contacted the PNC Bank 's Executive Client Relations team ( Case # XXXX ) and I explained my situation to XXXX, the representative. He stated that PNC has no policy for reducing fees, regardless of the account 's dormancy. I feel that this situation has the following regulatory concerns : UDAAP : I believe these practices fall under Unfair, Deceptive, or Abusive Acts or Practices. Allowing fees to stack on a dormant account without intervention creates a cycle of debt that is difficult for a consumer to avoid. 
XX/XX/year> Overdraft Rule : I believe PNCs fee structure and refusal to negotiate are in violation of the current Overdraft Rule, which seeks to curb " junk fees '' and ensures that overdraft charges at large institutions are reasonable and proportional. 
Truth in Lending Disclosures : The bank failed to clearly disclose the continued accumulation of interest on a dormant line of credit associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
I request investigation of the 30-day late reported XX/XX/year>. Furnisher must verify maximum possible accuracy per 15 USC 1681e ( b ). If unverified or incomplete, correct or remove.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
Charles Schwab restricted my account without prior notice after a check deposit. On the first day of the restriction, Schwab requested documentation related to the deposit. I fully complied and faxed all requested documents the same day. I have fax confirmation receipts and copies of the documents submitted.

Despite my immediate compliance, Schwab provided no communication or status updates for approximately one month. I was never informed that my account was under review for closure. I only learned the account had been closed after I contacted Schwab again.

Schwab now claims the account was closed for fraud and that documentation was not received, despite proof that it was successfully transmitted. Schwab has never provided any factual findings, explanation, or written determination supporting a fraud conclusion.

Schwab is also refusing to release the funds associated with the deposited check, stating the check was not payable to me and that the fraud team will determine what happens to the funds. Schwab has not provided written confirmation of whether the funds will be returned to the issuer, held pending law enforcement action, or otherwise disposed of, nor the legal basis for withholding them.

Schwabs conduct includes prolonged restriction of access to funds after full compliance, failure to acknowledge received documentation, closure of the account without notice, and indefinite withholding of funds without written disposition. I am requesting that Schwab be required to provide a written explanation for its actions, identify the policy relied upon, and clearly state the final disposition of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am reporting an unresolved debit card authorization hold related to an Experian-issued debit card account. 

On XX/XX/XXXX, a XXXX XXXX transaction placed an authorization hold on my account. 
The transaction was completed and posted on XX/XX/XXXX, and XXXX XXXX has confirmed they received payment and no additional holds exist. 

Despite this, the original authorization hold has not been released, even though more than XXXX days have passed and the transaction is finalized. 

XXXX XXXX confirms the issue is not on their end. This indicates a processing or reconciliation failure by Experian and/or its issuing bank, XXXX XXXX XXXX XXXX . 

I have contacted Experian customer support multiple times. Representatives repeatedly tell me to wait or incorrectly state that nothing can be done until the charge posts. Requests to speak with a supervisor or card operations have resulted in calls being disconnected. 

This unresolved hold has restricted access to my own funds, preventing scheduled payments from clearing and causing financial harm and potential credit damage. 

This is not a dispute, as the transaction is valid and already posted. This is an expired or orphaned authorization hold that requires manual release or provisional credit. 

I am requesting immediate correction, release of the authorization hold, or provisional credit, and a written explanation of why this issue was not resolved within standard authorization timeframes.

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 2025-12-26 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates XXXX and XXXX ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
On XX/XX/year>, a release of garnishment was issued to Glasser & Glasser of XXXX VA, whom previously garnished my paycheck for a lawsuit involving XXXX card. I am represented by XXXX XXXX PA XXXX XXXX MD. Upon inquiry by XXXX to Glasser & Glasser it was ill advised that the garnishment had been returned to my employer, XXXX XXXX XXXX XXXX, at Corporate Headquarters XXXX XXXX XXXX XXXX, XXXX Maryland. At the advice of my lawyer, XXXX XXXX I followed up with my employer to later learn after two weeks of probing, constant email exchanges and countless unreturned phone calls by my employer, the check had been forwarded to the XXXX  XXXX Trustee, XXXX XXXX. XXXX XXXX followed up with XXXX XXXX office and learned the checks were received but written out in my name and would have to be returned back to Glasser and Glasser for reissue. Today, XX/XX/year> I placed a second call to Glasser and Glasser who confirmed the checks were received from XXXX and were issued back AGAIN to XXXX office, after receiving an explicit email requesting Glasser and Glasser either send to me or XXXX XXXX. Upon demanding to speak with a Partner of the firm I was advised since I have legal representation I need to work through XXXX, to whom has also been extremely lackadaisical in trying to assist straightening out the matter. For further clarification, I am not some deadbeat who just ran up debt refusing to pay. My family has been hit with many unfortunate events that have left me in the financial pitfall. This service has been egregious to say the least. I am officially filing a complaint against Glasser & Glasser and XXXX XXXX PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NJ

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 2025-12-26 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: NJ

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 2025-12-26 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: 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 2025-12-26 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: 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 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 2025-12-26 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: IL

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 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 2025-12-26 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: IL

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