vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
FORMAL NOTICE OF CONTINUING INACCURACY & REQUEST FOR PERMANENT BLOCKING OF ERRONEOUS ACCOUNT UNDER FCRA 1681i ( a ) ( 5 ) ( A ) Subject : Formal Request to Block and Delete Fraudulent and Fiscally Inaccurate Charge-Off Account Furnished by XXXX XXXX XXXX XXXX XXXX ) This letter serves as a formal legal demand under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ), requesting the immediate blocking, suppression, and deletion of an account falsely reported by XXXX XXXX XXXX XXXX XXXX ). 

I currently have an active complaint before the Consumer Financial Protection Bureau ( CFPB Case No. XXXX ) for DFCs knowing and willful furnishing of materially false and contradictory credit information to the national consumer reporting agencies ( Experian, Equifax, TransUnion ) XXXX 

In DFCs own written admission ( dated XX/XX/XXXX ), the company stated that it internally charged off a loan balance on XX/XX/XXXX, yet later repossessed and sold the vehicle in XX/XX/XXXX. 
This admission establishes that : XXXX. The account was declared uncollectible before repossession a factual impossibility under the Uniform Commercial Code 9-610 ; and 2. DFC continued to report a charge-off even after recovery and liquidation of the collateral, creating a false, misleading, and defamatory representation of debt status.

Such conduct constitutes multiple violations of federal law, including : FCRA 607 ( b ) : Failure to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be false.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character or legal status of a debt. 

Because the furnisher is under active CFPB investigation and has already admitted factual contradictions, continued publication of this tradeline constitutes ongoing harm to my credit reputation and financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FORMAL NOTICE OF CONTINUING INACCURACY & REQUEST FOR PERMANENT BLOCKING OF ERRONEOUS ACCOUNT UNDER FCRA 1681i ( a ) ( 5 ) ( A ) Subject : Formal Request to Block and Delete Fraudulent and Fiscally Inaccurate Charge-Off Account Furnished by XXXX XXXX XXXX XXXX XXXX ) This letter serves as a formal legal demand under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ), requesting the immediate blocking, suppression, and deletion of an account falsely reported by XXXX XXXX XXXX XXXX XXXX ). 

I currently have an active complaint before the Consumer Financial Protection Bureau ( CFPB Case No. XXXX ) for DFCs knowing and willful furnishing of materially false and contradictory credit information to the national consumer reporting agencies ( Experian, Equifax, TransUnion ) XXXX 

In DFCs own written admission ( dated XX/XX/XXXX ), the company stated that it internally charged off a loan balance on XX/XX/XXXX, yet later repossessed and sold the vehicle in XX/XX/XXXX. 
This admission establishes that : XXXX. The account was declared uncollectible before repossession a factual impossibility under the Uniform Commercial Code 9-610 ; and 2. DFC continued to report a charge-off even after recovery and liquidation of the collateral, creating a false, misleading, and defamatory representation of debt status.

Such conduct constitutes multiple violations of federal law, including : FCRA 607 ( b ) : Failure to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be false.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the character or legal status of a debt. 

Because the furnisher is under active CFPB investigation and has already admitted factual contradictions, continued publication of this tradeline constitutes ongoing harm to my credit reputation and financial integrity.

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had an active Chime Banking Checking account. I constantly had external charges being made over a year or more time reporting the problem to agents contacted at the number customer service. The charges reoccurring multiple times not putting blocks on the company i believe per disputes department should do unless I'm wrong. My data was not secured correctly. 

I was looking into the class action lawsuit against chime bank due to this issue now I heard it was taking place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting this complaint to express my dissatisfaction with Wells Fargos handling of my inquiries. Specifically, the bank responded to multiple distinct questions and concerns using a single, generalized letter. This approach is inadequate and dismissive, as it fails to address the specific issues I raised in detail.

Each of my questions pertained to separate matters requiring individual attention and tailored responses. By consolidating everything into one letter, Wells Fargo avoided providing meaningful answers or resolutions. This lack of transpare
ncy and responsiveness is unacceptable, especially given the seriousness of the concerns I raised.

I want to make it clear that the issue is not resolved. Wells Fargos response did not satisfy my request for clarity or resolution, and I am still seeking proper answers to the original questions.

I respectfully request that the CFPB investigate this matter and ensure Wells Fargo provides individualized, complete responses to each of my concerns

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 2025-10-26 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: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. - If this account involves foreclosure or deed-in-lieu, it has been incorrectly reported with Status 97 after foreclosure, which Metro 2 strictly prohibits . - These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The DOFD has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
Credit Management Co is reporting a medical collection with a false opened date of XX/XX/year>, and reported date of XX/XX/year>. The same debt was handled by XXXX XXXX XXXX and officially deleted on XX/XX/year>, per CFPB case documentation. This makes the XX/XX/XXXX date impossible and proves inaccurate furnishing and false representation of ownership in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ). I never received validation or transfer notice prior to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
I opened a PayPal XXXX account for my U.S.-registered XXXX  on XX/XX/year>, to use PayPals payment processing services for my online store. Immediately after creation, the account was permanently limited, before I could process any customer payments. 

I provided all required verification documents, including my XXXX registration, XXXX, and XXXX XXXX  account. Despite this, PayPal did not explain the reason for the limitation or give me any chance to correct or appeal it. The only responses I received were generic messages stating the limitation was permanent. 

This action has directly harmed my business. Customers who prefer PayPal could not complete checkout, causing abandoned carts, lost sales, and reputational damage. I sell only lawful, low-risk products ( custom t-shirts ) and have a strong record on XXXX % chargebacks and 0 % refunds. 

I previously contacted PayPal support and filed a XXXX  complaint, but I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for verifying and continuing to report false, inaccurate, and unverifiable late payments on my XXXXXXXX XXXX XXXX auto loan account without obtaining or reviewing tangible proof from the furnisher. 

Equifax is reporting that I was allegedly XXXX days late in XX/XX/XXXX and XX/XX/XXXX. These entries are factually incorrect, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). Equifax failed to conduct a meaningful reinvestigation and instead relied on a coded or automated response from the furnisher, XXXX XXXX XXXX 

At no point did Equifax obtain or review tangible documentary evidence such as billing statements or account ledgers showing the actual due date, payment receipt date, and posting history for those months. Without this proof, Equifax had no legal basis to verify these alleged delinquencies. 

Under FCRA 607 ( b ) and 611, Equifax is required to ensure maximum possible accuracy and conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Failing to obtain documentation and verifying the late payments anyway constitutes a willful and negligent violation of these statutory duties. 

The furnisher, XXXX XXXX XXXX, has also violated FCRA 623 ( a ) ( 1 ) ( A ) by providing information knownor reasonably expectedto be inaccurate, and FCRA 623 ( a ) ( 3 ) by failing to properly investigate and correct the disputed information.

This complaint also cites Cushman v. XXXX Corp., 115 F.3d 220 ( 3d Cir. 1997 ), which held that the burden of proof lies with the furnishernot the consumerto substantiate disputed information with tangible evidence. A mere coded response or unverifiable notation does not meet the legal standard of a reasonable reinvestigation. 

Equifaxs failure to demand tangible proof from XXXXXXXX XXXX XXXX demonstrates willful disregard for its obligations under FCRA 607 ( b ), 611, and 623 ( a ). 

As a result of these violations, I have suffered a lowered credit score, financial harm, and emotional distress. 

I am demanding that the Consumer Financial Protection Bureau ( CFPB ) investigate Equifax Information Services LLC and XXXXXXXX XXXX XXXX for noncompliance with the Fair Credit Reporting Act and require immediate correction. Unless Equifax and XXXXXXXX XXXX XXXX can produce tangible documentary evidence proving these alleged delinquencies, they must delete the XXXX and XX/XX/XXXX late payments immediately from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request Experian to verify the information is correct and provide the original contract where my wet signature was signed stated that I owe this debt. On XX/XX/2025 I stated the dispute and on the XXXX it came back verified. I sent a second dispute on the XXXX requesting the information on how they verified the information and on the XXXX it came back as verified again without any information on how the account was verified. Im requesting they remove this account off my credit report since they are not able to explain or give any original documents that I owe this debt.

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 2025-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime bank run by XX/XX/XXXX agent took it upon himself to cancel my pay which get me through until my check comes through however he disabled it knowing it was no way to reinstate unless I pay it when I had no clue he did it until I got a notification when we didnt finalize anything just talking and asking questions then he told me in order for him to put it back I have to pay a balance when I wasnt even the one who told him to do it so why would I have to pay back a system I didnt authorize him to do at all. It had cause nothing but me not feeding my kids even more when I told him that then the supervisor saying it not something they escalate because they keep saying I authorized it when I have proof I didnt. Im willing to take this to the news Im asking either restate it or they can me my difference of {$150.00} dollars they took from my previous check Attached is what he did in the middle of us talking and I sent this immediately and act like he could fix it but then made it my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I left an apartment complex that was negligently not keeping the property up to living standards. Now they have put an eviction on my credit with an outstanding balance. During my time at the apartments I called code enforcement to get them to do better. After I left the complex they decided to claim they evicted me when they did not. I have proof of the damages in the apartment and etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
about a year and a half ago I received a Citi Bank double cash rewards card with the limit over just over {$7000.00} and they offered 18 months no interest on balance transfers. so I transfered just over {$5000.00} in credit card balances. 1 week after that they reduced my credit card limit to XXXX over what my balance transfers were. so I have {$5500.00} credit limit. 
Monthly payment of {$77.00} dollars which of course will not pay back the 18 months interest free. I was paying them XXXX to XXXX every month to pay it down in under the 18 months. 
now every 1 to 2 years on my credit cards I pay them off to increase my XXXX score as I utilize my credit cards as I travel a lot and get different benefits from each card. 

so Tuesday XX/XX/year> I paid off my card just over {$4600.00} so I had a zero ballance, figuring that in a month or two my score will go up as my utilization is down. I went out golfing with my husband and friend Paid {$310.00} on the card for golf. so thats my total balance out of {$5500.00} Saturday the XXXX I get an email from XXXX that after reviewing my account they have Lowered my credit limit to {$400.00} dollars NO not {$4000.00} but {$400.00} this is absolute XXXX  I have never been late always paid XXXX a month on the card and then when I pay if off they treat you like this. If I am in good staining with them which I a m its total XXXX  to do this to a customer I make over $ XXXX a year and this is how I am treated, When I called I got the lip service of oh in 60 days you can ask for a forma review. that does me no good now as I am on the road til XXXX  and I was going to have that card available fora just in case emergency type issue. but with now only {$79.00} credit limit XXXX. 

If you were going to do shady XXXX like this you should have lowered it each month after I made a payment but this is unacceptable treating a paying customer who was never late nothing to lover your credit limit from {$5500.00} to {$400.00} for no XXXX reason now my credit utilization is screwed over and will not help as much as they lowered my balance. I also just paid down and or off XXXX other cards at least tha will help for the new year but this is despicalbe to do this to someone.

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 2025-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Company obtained my loan approximatly 3 years ago. I have had the same home owners insurance on the residences for many years prior to PHH acquiring the loan from another mortgage company. In the last few months PHH started sending me letters stating they have no record of current insurance on the property. In response to the letters I have sent proof by email, digitally online, by fax, XXXX XXXX  and through calls to PHH 's customer service line. The letters state that they have received my information but can not verify coverage for the period of XX/XX/XXXX to XX/XX/XXXX. PHH customer service representative have claimed to call my insurance company and then have contacted me the next day stating that they have received the proof of coverage. I have had the continuous coverage for years prior to PHH acquiring the loan. Now the letters state that this is the final notice and I will be charged {$690.00} for insurance purchased by PHH. At this point the companies continuous letters are harassing in nature and all atemps by me to correct the situation have failed. I wish PHH had never acquired my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NV

Complaint narrative:
Subject : Formal Dispute & Deletion Request Charge-Off Account Reporting Violations I am formally disputing the accuracy and compliance of the above-referenced charge-off account as reported on my credit file. Upon close review, I have identified multiple violations of Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to provide complete and accurate information. Specifically : - The Account Status ( Metro 2 Base Field 17A ) and Payment Rating ( 17B ) fields are inconsistent with the required coding for charge-off accounts ( Status 97 with matching L rating ). - The Date of First Delinquency ( Base 25 ) is either missing, inaccurate, or has been re-aged to extend the reporting period, violating FCRA 605 ( c ). - The Payment History Profile ( Field 18 ) does not accurately reflect the delinquency timeline that led to charge-off. These reporting inconsistencies materially misrepresent the history and status of the account, making the tradeline inaccurate and incomplete under the FCRA. Under FCRA 611 ( a ), I request that you conduct a proper reinvestigation of this tradeline and either bring the reporting fully into Metro 2 compliance or delete the account entirely from my credit file. Failure to maintain accurate reporting after notice of dispute constitutes willful noncompliance under FCRA 616 & 617, and may be subject to civil liability. Please provide written confirmation of deletion or correction within 30 days of receipt of this letter, as required by law. Sincerely, XXXX XXXX Re-Aging Violation : The DOFD has been unlawfully re-aged to a later date to extend the reporting period, violating FCRA 605 ( c ). Incorrect Status/Payment Rating : The Status 97 is not paired with the required L Payment Rating or correct PHP history, making this tradeline 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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.

Complaint narrative:
Fraudulent activity by XXXX an unauthorised in my account and a fraudulent transaction was made for {$450.00} USD dollars on the XXXX app. Under the name of XXXX XXXX, Email, XXXX, Im not familiar with this fraudulent name and email address. I also received a messages and threats, The name and email was a scam!? 
I did not authorise this type of service transaction on the account. I had made a report with the bank of the unauthorised transaction. I was charged a fee of {$7.00} in the account. I like to make a report.

Company response to consumer: Closed with explanation