vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Subject : Improper Reporting of Multiple Late Payments After Payment Restart Reliance on Inaccessible Email & Lack of Adequate Notification Complaint : I am filing this complaint because my federal student loan servicer has reported 20 late payments to the credit bureaus following the restart of student loan repayment.

These late marks occurred due to communication failures by my servicer. All repayment notices and billing statements were sent exclusively to an outdated email address that I had not used or accessed in years. I had no way to receive these messages. 

While I had moved to a new home and had not updated my mailing address with my servicer, I believe additional outreach was warranted given the length of the XXXX payment pause and the importance of restarting repayment. My servicer did not attempt to contact me by phone, request updated contact information, or provide any alternative form of notice to ensure I was aware that payments were resuming. 
Because of this, I was completely unaware that my repayment period had resumed. Multiple separate student loan accounts each reported late payments, resulting in 20 negative marks in a short period all stemming from a single communication gap. 

Once I discovered my loans were in default, I immediately brought them current and corrected my autopay settings to ensure on-time payments going forward. I have since made all payments promptly. 

While I accept responsibility for not updating my mailing address, I believe the servicers exclusive reliance on an inaccessible email account for such an important change was inadequate and disproportionate in its impact on my credit. 

XXXX Requested : Remove all late payment notations from my credit reports for the affected accounts. 

Correct the reporting with Experian, Equifax, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I did not apply for credit with this company, nor did I authorize any hard inquiries to be made on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete, and I believe these inquiries fall under that category. 
XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I was tricked into sending {$500.00} through Chimes XXXX XXXX feature to a person whose account was later discovered to be hacked. The payments were done in short increments, one payment being {$150.00} and the remainder of the money was split up into $ XXXX {$40.00} interments. I believed I was sending money to someone trustworthy, but their account was compromised and I was defrauded. 

I contacted Chime immediately and explained that I was the victim of fraud. However, they refused to help, saying the transaction was authorized. I understand that I initiated the transfer, but I did so under false pretenses and was unknowingly sending money to a scammer. Chime told me over the phone that they could not help me in this situation, and that was it. 

I am requesting a reinvestigation under Regulation E, which protects consumers in the case of fraud and errors involving electronic fund transfers. I also respectfully ask that Chime consider a one-time goodwill refund, as I reported the fraud quickly and have provided all evidence.

Im submitting this complaint because Chime failed to investigate the fraud properly and closed the case without reviewing the full situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am facing a reduction in income due to sales and trying so many times to get in touch with Bank of America to set up a payment plan up to XXXX  months for the account.

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Complaint Summary : This is a follow-up to my prior CFPB complaint ( Case XXXX  [ insert prior case number ] ) against TD Bank XXXX The case was closed without the company addressing critical issues, including a promised {$140.00} credit, the {$560.00} still owed to me, and the direct financial damages caused by their mishandling specifically my eviction and related costs. 

Details : In XX/XX/year>, I deposited {$290.00} cash into a TD Bank ATM and received a {$270.00} XXXX transfer just before my rent was due. TD Bank closed my account the day before my deposit, yet the ATM and card still accepted the transaction without warning. I contacted the bank the next day to report the issue, but they delayed resolution for an unreasonable amount of time. 

During calls, TD Bank admitted they gave me false information about my account status and promised a {$140.00} credit for their error. This was never honored and was ignored in their CFPB response. Their delay directly caused me to miss rent and led to my eviction, along with moving costs, court fees, and personal losses all of which I can document. 

Resolution Requested : Immediate payment of the {$140.00} credit previously promised. 
Refund of the {$560.00} still owed to me. 
Compensation for eviction-related damages, including rent arrears, court costs, moving expenses, and personal losses caused by XXXX  XXXX  delay and misinformation. 

Reason for New Filing : The previous case was closed without these issues being addressed. I am requesting the CFPB to reopen or re-investigate and hold TD Bank fully accountable for the financial and personal harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-08 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I am seeking written confirmation from Shellpoint Mortgage Servicing regarding the resolution of my mortgage loan related to the property at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA. Ownership of the property was transferred to XXXX XXXX through a quitclaim deed. XXXX XXXX operates a company called XXXX XXXX XXXX XXXX, ( we buy your home for cash company ) which currently controls the property. 

The quitclaim deed also shows XXXX XXXX XXXX as an owner ; however, I do not own or control this LLC. XXXX XXXX is the sole owner of XXXX XXXX XXXX, not me. 

Shellpoint has informed me that this matter will be resolved by XX/XX/year>, and that they are working directly with XXXX XXXX on this. They have also indicated that my name, XXXX XXXX, will be removed from the mortgage by that date. 

However, Shellpoint has never provided any written explanation of what this resolution entails, nor confirmed the specific steps they are taking. Despite my requests, I have not received any written documentation or clear communication about the status or plan of action. 

This lack of transparency and failure to provide written confirmation is preventing me from protecting my rights and making informed decisions regarding my financial liability. I urgently request a written summary of the resolution plan, confirmation that my name will be removed from the mortgage by XX/XX/year>, and contact information for the representative handling my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Someone stole my IRS refund check, used that check to open a checking & saving account with Chase bank on XX/XX/XXXX. I never got any notification of a checking & savings account being opened. And I didn't noticed until I went on my online Chase account XX/XX/XXXX. Last year I set up accounts with XXXX XXXX XXXX XXXX  and frozen any accounts from being opened, so I don't understand how this happened. I reported to IRS, AZ police department and Chase bank. I had to follow up and call Chase bank multiple times about this fraudulent claims because their employees gave me inaccurate information, bounced me around to different departments and still being incompetent in resolving this case. An employee stated they will send a letter to the Credit Bureau so this issue doesn't affect my credit score and removed the opened check/saving accounts. As of XX/XX/XXXX, they still have not done so. I followed up multiple times asking them to removed the checking/saving account and to send me a copy of the letter they sent to the credit Bureau XXXX I had message Chase executive office and ask to talk to one person who can help me resolve this issue Also there was debit of {$3000.00} that was on the checking account, they told me I owed them {$3000.00} dollars that I withdrew from a Chase branch. I told them it wasn't me and that was part of the IRS refund check they stole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
I am filing a complaint against my lienholder, GM Financial, for their negligent handling of my auto loan after an accident involving my XXXX XXXX XXXX, XXXX ending in XXXX. I notified them of the accident on XX/XX/XXXX, the same day it occurred. Based on photos, they disavowed interest in the vehicle and improperly directed me to their 'total loss department, ' even though the car was never declared a total loss. Their customer service has been consistently rude and unhelpful, and they refuse to offer any form of forbearance or other assistance, leaving me with no options. The tow yard failed to send them the required certified mail notice, and the fall out of this inaction led to the subsequent fraudulent transfer of the vehicle, which my lienholder has stated they have no record of. I have a recorded phone call in which a representative from GM Financial confirmed they never received this notice from the tow yard. Their failure to properly handle the situation led to the car being sold and a clean title being issued, circumventing their own lien and leaving me with a substantial unsecured loan for a vehicle I no longer have. I was given misleading instructions and am now a victim of fraud as a result of their negligence. I am requesting an investigation into their process and for them to take responsibility for the outstanding loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I'm not accountable for these accounts ; they must be erased within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PR

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} REPORTING ON XXXX AND EQUIFAX XXXX XXXXXXXX XX/XX/XXXX {$4300.00} REPORTING ON EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4300.00} REPORTING ON EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} REPORTING ON EQUIFAX XXXX XXXXXXXX XX/XX/XXXX {$4600.00} REPORTING ON EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$1000.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) CCB/ULTAMC XX/XX/XXXX XX/XX/XXXX {$0.00} {$4600.00} REPORTING ON ALL BUREAU ( XXXX EQUIFAX, AND XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} {$740.00} REPORTING ON ALL BUREAU ( XXXX EQUIFAX, AND XXXX XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$2200.00} {$2200.00} REPORTING ON ALL BUREAU XXXX XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$4300.00} REPORTING ON ALL BUREAU ( XXXX  EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ALL BUREAU ( XXXX EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX REPORTING ON XXXX XXXX ( XXXX XXXX EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX ON EQUIFAX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CO

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANS UNION ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to use my XXXX account to pay the XXXX for a {$1600.00} XXXX XXXXe on an XXXX XXXX. When I called and chatted with XXXX  on three attempts to use my account, they could not specify the problem with my account. I then called my bank, XXXXXXXX XXXX and they stated that they had disconnected my bank account from XXXX because they detected fraudulent activity from XXXX XXXX on my account. They made one transaction for {$49.00}, and XXXX did not pay for this. This also saw an attempt for other charges to come through. XXXXXXXX XXXX  assured me that there would be no further problem with the fraudulent activity and would be happy to reconnect my bank account to XXXX 

We then attempted to reconnect my bank account multiple times before discussing the attempted fraudulent charge with XXXXXXXX XXXX I have previously tried to pay {$1600.00} to XXXX XXXX, and the payment did not go through on multiple attempts. On XXXX XXXX, I called XXXX and chatted with them 4 times in the morning. Later in the afternoon, approximately XXXX hours later, the XXXX  was connected to XXXX, and the payment for the {$1600.00} to the XXXX was sent, then the payment was sent a second time. Within a minute of the second payment, I tried to chat ( preferred for documentation. I ultimately had to call. I had a phone call with XXXX  and they assured me that I was not responsible for the additional payment/charge. 

XXXX  told me I would not be responsible for the additional payment on Friday at XXXX pm, XX/XX/XXXX. I also contacted XXXXXXXX XXXX on the morning of XX/XX/XXXX. XXXX stated that I was not responsible for the additional payment and recommended that they put a block on my account for the XXXX XXXX payment on my XXXX account, for which I was being charged the extra {$1600.00} payment. I chatted and called XXXX  once again on the XXXX of XXXX. XXXX said that I was responsible for the payment. XXXXXXXX XXXX states that I am not responsible for the additional payment. 

XXXX presently states that I owe them {$3200.00} for the transactions, and my account is on hold. I will do adverse reporting unless I pay the amount of {$3200.00}. 
They claim that XXXX XXXX picked up the money. I have an email from the XXXX stating they did not receive the extra {$1600.00}.

Company response to consumer: Closed with non-monetary relief