vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continued violations of the Fair Credit Reporting Act ( FCRA ), despite their prior response and admissions in my previous CFPB complaint. 

Background & Admissions by XXXX XXXX XXXX XXXX previously admitted in their CFPB response that the account was charged off and sold to XXXX XXXX on XX/XX/XXXX. 

They confirmed the remaining balance sold was {$13000.00}. 

They stated that although the account was sold, the charge-off status would remain while reporting would continue until the expiration of the statutory reporting period. 

Current Violation Despite these admissions, XXXX XXXX continues to report to credit bureaus as follows : Status : Closed/Charge-off with a {$0.00} balance, transferred/sold. 

Balance : {$35000.00} is still being reported on my credit file ( see attached screenshot ). 

This reporting is factually inaccurate and materially misleading because XXXX XXXX has acknowledged the balance at the time of sale was {$13000.00}, not {$35000.00}. Maintaining the higher figure misrepresents the nature and amount of the debt to third-party lenders and creditors reviewing my file. 

Why This is Harmful This false reporting paints me as having defaulted at a substantially higher amount than reality, unfairly harming my reputation, creditworthiness, and access to financial services. 

The continued reporting of an inflated balance is not only incorrect but malicious in intent, as XXXX XXXX is no longer the owner of the account and has no permissible purpose to report inaccurate tradeline data. 

Violations of Law XXXX XXXX actions violate the following provisions : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information may not furnish information that they know or have reasonable cause to believe is inaccurate.

FCRA 623 ( b ) ( 1 ) Upon notice of a dispute from a consumer or the CFPB, the furnisher must conduct a reasonable investigation and correct or delete any inaccurate information.

15 U.S.C. 1681i ( a ) ( 5 ) Requires deletion of inaccurate or unverifiable information from credit files. 

XXXXase Law Support : Roberts v. Carter-Young, Inc. ( 4th Cir. Mar. 14, 2025 ) The court held that furnishers must investigate both factual and legal disputes and can not continue reporting unverifiable or misleading data.

Norman v. Trans Union , LLC Found that reporting misleading information, even if technically true, can violate the FCRA when it creates a materially misleading impression for creditors.

Saunders v. Branch Banking & Trust Co. ( 4th Cir. 2007 ) Creditors may be liable under the FCRA when they choose to report a debt in a way that is misleading or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank personal checking account was opened over 20 years ago as a virtual wallet with XXXX monthly service fees, and no minimum balance required. Now years later a charge that was not authorized by me was charged to my account. At their discretion I was told they paid it on my behalf. This caused the account after their overdraft fee {$36.00} to place my account in the negative. They also have been charging me {$7.00} a month for monthly service fees that I was not aware of and was not told about and did not elect. This caused the account to go further negative totaling in {$100.00}. The original paid transaction was for {$25.00}. With a remaining balance of {$37.00}. PNC then charges me for paying the transaction and then additional overdraft fees of {$36.00}. They also charged a XXXX XXXX  monthly fee maintenance that I did and never elected or signed up for creating a negative balance. I called customer service and explained the situation. They refused to reverse their charges that made my account negative. I explained that I never elected for it to be paid in the first place and that their additional fees and charges are what made the account negative. I agreed to pay the {$25.00} ( they claim they paid on my behalf and that I wanted to close the account after doing so. They refused to close my account or remove the inappropriate charges on my account and told me I have to pay the entire amount to close it and then hung up on me. This is fraud as far as Im concerned and predatory behavior against their consumers. I want this account closed and I do not want anything to do with PNC bank at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have explained that my credit score was over XXXX, when I went into the XXXX for XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that time I was asked for my medical cards and then I was made aware my wallet had been stolen and my life has been a nightmare, I am only asking to verify all information on my credit report then please delete all information that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
In 2022 I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called One main financial to let them know a week later and gave them contact info for my lawyer and the insurance of the person that was arrested from the scene. [ The bill was now at around XXXX XX/XX/year> ] They ( Onemain ) told me i had an option to not pay and accrue no interest for 3 months per my loan terms due to me loosing my job from the XXXX XXXX XXXX XXXX XXXX. I took that option and the loan I had been paying for around a year was supposed to just sit for 3 months until until I could get the money from the insurance to pay it off ( total loss ). I received the pay out [ end of XX/XX/year> beginning of XX/XX/year> ] within the three months, went to the branch and spoke with the manager about my account. I was told my balance was XXXX and the XXXX $ check was not going to cover the total amount. I was also told that I could just pay off the loan. I explained that I was not able to pay it at the time being due to the XXXX and loosing my XXXX job due to my XXXX XXXX. I was also told i needed to sign a release to get the title for the bike. I had a lawyer and we were nearing the end of the legal portion [ XXXX and XXXX ] and the insurance was about to pay out for my medical portion. I HAD SPOKEN TO THE BRANCH MANAGER ONCE A MONTH DURING THIS WHOLE PROCESS AND GIVEN THEM EVERY CONTACT INCLUDING THE INSURANCE ADJUSTERS INFORMATION. I did not have a job [ not for lack of trying ] when I got the final pay out, and went in to pay the remaining XXXX off of the loan. I was told the amout to pay off my " personal loan '' was {$8600.00}. I was bamboozled because i was given a paper for my pay off and the intrest rate was around 12 % and XXXX minus the XXXX I paid ( directly to them from the insurance ) was quoted around XXXX XXXX after the monts of intrest and non payment. They changed my loan from 11 % to close to 30 % and charged me all the back intrest from the time I stopped paying in XXXX even though I was told I had the ( they called this stop payment fot and extreme life event ) 3 months off. I now have a default loan for XXXX under my credit report thar has been there for XXXX years. 
I just found out I can report this to you all, and decided to give it a try. Also i have spoken with lawyers and credit consolidation places to try to get all of this resolved and the lawyer told me i would have to pay to fight them in court and i could not do that through him because he was an injury claim lawyer ; the consolidation loan place stated if I didn't use this loan in the consolidation process i did not have enough debt to consolidate. So im at a loss on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I was contacted by XXXX XXXX XXXX about an alleged back rent debt of {$5000.00}. They sent me a ledger, which I disputed with their HR contact, XXXX XXXX, but I never received a response. In XX/XX/year>, their collections department called, and I again disputed the debt. 

In XX/XX/year>, I filed a charge with the XXXX for discrimination/retaliation relating to my rent arrangement. In XX/XX/year>, a new debt of {$14000.00} appeared on my credit report, even though the company had stated in its position statement to the XXXX that my rent was forgiven/covered. 

The XXXX XXXX has asked the company multiple times to provide documentation supporting the {$14000.00} figure, but they have failed to do so. Former HR staff also confirmed the company continued to pursue the debt despite claiming it was forgiven. 

This inaccurate collection account has severely harmed my credit. It is the only collection on my report, and it has prevented me from buying a car and forced me into loans with much higher interest rates. 

Requested Resolution : I request that the inaccurate {$14000.00} collection account be removed from my credit report unless the company can provide verified documentation that it is legitimate.

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 2025-09-10 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am a chime Bank member who's related to XXXX I had a savings and a checking account my purse was stolen out of my car which had a book with passwords and Bank information in it they got into my account and they transferred {$780.00} to an account and the name of XXXX XXXX I sent a detailed report from the XXXX XXXX XXXX XXXX saying that the perpetrator was arrested in my case and that he is done this over countless cities and states counties and states for fraudulent credit card use and they denied me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
I received an email from ACTIVE Network LLC stating that they would charge me $ XXXX for their services, which I never signed up for. I merely used their site to register ( see receipt photo dated XX/XX/year> ) for a running race in the fall. 
Then the charge appeared on my credit card yesterday ( XX/XX/year> ) for {$99.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX XXXX On XXXXXXXX XXXX, a total of XXXX transactions in the amount of {$5.00}, {$100.00}, {$5.00}, {$5.00}, {$5.00}, and {$500.00} which is a total of {$620.00} was withdrawn at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX XXXX. I contacted Chime Bank on XX/XX/XXXX to advised them of the fraudulent transactions on my account. They advised me to submit any information relating to these transactions such as screenshots of transactions, individual name : XXXX XXXX, location of where money was withdrawn from. I submitted all the requested information and screenshots to them at least XXXX times. They denied my dispute XXXX times. They stated how they don't know it's me that made these withdrawals. I advised them I wasn't in California during this time. I'm disable and barely goes anywhere due to my XXXX. I reside in XXXX, NC and haven't visted California.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have always made my payments on time, and any errors in this reporting are both unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX XXXX XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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