vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last four XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDepartment of Education XXXXSubject: Reporting Inaccurate Information under FTC Guidelines XXXXDear Dept of ED /AIDV XXXXI am writing to formally report inaccurate information related to my credit profile under the provisions of the Fair Credit Reporting Act (FCRA), specifically 15 USC 1681(d) and 15 USC 623(d/e).  XXXXMy name is XXXX XXXX XXXX, and I am contacting you regarding my old outdated loans thats associated with my ssn XXXX XXXX XXXX /profiles XXXXI have recently reviewed my records and discovered that [describe the specific inaccurate information, including any dates, amounts, or descriptions of the entries that are incorrect]. This information is not a true and accurate representation of my records and may adversely affect my [credit report, financial status, or other relevant concerns].   XXXXAs stipulated under Section 1681e(b) 605(d/e) of the FTC/ FCRA, \nI request that your department investigate this matter promptly. Please provide me with the results of your investigation and the actions taken to correct any inaccuracies found in my records with written consent from me stating where I consented to my personal information to be sold /shared with third parties r consent to Hippa Thanks for your time XXXXXXXXSINCERELY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
I am filing a complaint regarding Mercedes-Benz Financial Services ( MBFS ) continuing to furnish inaccurate, incomplete, and unverified information to XXXX XXXX XXXX XXXX  in violation of the Fair Credit Reporting Act.

I have disputed these MBFS tradelines multiple times over more than a year. Each time, MBFS responds with generic verified statements, yet has never produced the documentation required to substantiate the reporting.

MBFS has failed to provide : The complete repossession file Right-to-cure and post-sale notices Proof of sale and sale proceeds Deficiency balance calculations Full payment history and account ledger Original contract and servicing records Date of first delinquency documentation Despite this lack of evidence, MBFS continues to certify the information as accurate.

The reporting is inconsistent across XXXX XXXX XXXX XXXX, including differences in account status, closure dates, remarks, and charge-off information. This alone demonstrates the information is not being maintained with maximum possible accuracy as required by law.

MBFSs repeated failure to conduct a reasonable investigation and its continued furnishing of unverifiable data violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Failure to correct and update FCRA 623 ( b ) Failure to conduct a reasonable investigation FCRA 607 ( b ) Failure to assure maximum possible accuracy I have exhausted normal dispute channels. MBFS has had ample opportunity to substantiate these tradelines and has failed to do so. Continued reporting is causing ongoing financial harm and interference with mortgage qualification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime is somehow letting people repeatedly get my card number and not accepting my dispute after showing evidence that I was in the state XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i happen to look at my credit report and notice i had fraudulent accounts on my profile and would like them deleted and remove 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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against Bank of America regarding their failure to provide debt validation and their continued refusal to supply itemized account information for a business account under XXXX XXXX XXXX XXXX XXXX. 

I requested, in writing, full debt validation including : An itemized list of every charge An itemized list of every credit A complete accounting history Documentation proving the source and accuracy of any alleged debt A clear explanation of how the balance was calculated Bank of America has refused to provide any of this information. 

Instead, they only sent my original account application and internal summary screens, which do not show any debts, charges, or accounting details. Their own document clearly shows : Current Consumer Exposure : {$0.00} Current Business Exposure : {$0.00} Total Exposure : {$0.00} Despite this, they continue to claim there is a debt and will not provide the legally required itemized accounting. The alleged debt is under the company XXXX XXXX XXXX XXXX XXXX, XXXX, not under my personal name, but they continue sending correspondence addressed to me personally. 


Bank of America is violating my right to receive complete documentation for debt validation and is withholding the information necessary to verify or dispute the alleged debt. 


I am requesting CFPB intervention to ensure Bank of America : Provides full itemized debt validation and complete account history. 
Stops attributing the debt to me personally. 
Corrects their records to reflect the {$0.00} balance shown in their own documents. 


I have attached the documents they sent showing the {$0.00} balance and their incomplete response.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sparrow Financial, Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to inaccurate late payment information being reported on my consumer credit reports. 



Certain accounts are being reported with late payments even though I have never made a late payment on these accounts. All payments have been made on time, and the accounts have consistently remained current. 



In addition, these accounts are reported as being at or near the credit limit ; however, the balances have not exceeded the approved credit limits and do not justify the reporting of late payments. 



Despite previously disputing this inaccurate information, the late payments continue to be reported without proper verification or documentation to support their accuracy. 



Under the Fair Credit Reporting Act, furnishers are required to report information accurately and credit reporting agencies are required to conduct a reasonable investigation when inaccuracies are disputed. In this case, the continued reporting of late payments appears to be inaccurate and unverifiable. 



This inaccurate reporting is negatively impacting my credit profile and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal is holding {$3500.00} from a completed transaction for 120 days despite all requirements being met. 

The item was delivered successfully, and valid tracking confirming delivery was uploaded directly to PayPal. The buyer has contacted PayPal to confirm receipt and satisfaction with the item and has stated they have no intention of filing a dispute or chargeback. 

There are no open disputes, claims, or chargebacks associated with this transaction. Despite this, PayPal continues to restrict my account and withhold funds without providing a specific policy-based justification. 
I am requesting early release of the funds in accordance with PayPals Seller Protection policies or a written explanation citing the exact policy provision requiring a full 120-day hold under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TrueAccord Corp.
State: OH

Complaint narrative:
under the Fair Credit Credit Reporting Act 611 ( a ) ( 1 ) ( A ) I am requesting a full reinvestigation of these accounts, the information being reported must be accurate, complete and verifiable, I have contacted the original creditor they have not provided any documentation, including my 1099c for all charge offs, my original signed contract proof of assignment, itemized history validation showing the amount is correct, without these the information can not be verified as required under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 5 ), the creditor is reporting a charge-off but they never issued a 1099-c,, which is required when a lender cancels or forgives a debt {$600.00} or more ( 26U.S>code 6050 P ) a creditor can not simultaneously claim a debt was charged off ( a loss ), fail to report the cancellation event to the IRSis required and still. claim the debt as valid and collectable. this inconsistency means the information is not reported in a clear, accurate and consistent manner.

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 2025-12-14 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: LEXISNEXIS
State: MI

Complaint narrative:
I asked Nexus Lexus to provide information where they got proof of their information from they can not provide the proof. I never did any business or dealings with them so theyre consider Frued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase debit card gave me a 15 % cash back offer on my debit card when I shop on XXXX website. I clicked the offer and a few days later on XX/XX/year> I place an order {$280.00} on XXXX website. Around XX/XX/year>, the offer in my clipped tab says the offer will expire in 6 days. Since I place the order way ahead of the deadline. I just expect to get the cash back. XX/XX/year> I checked the cash back again. I didnt see any cash back and the offer disappeared from my account too. It is not in my clipped tab, not in redeemed tab or expired tab, which is super strange. So I googled and saw many people have similar experience with chase after they spend money on the offer, the offer disappeared. 
The reason I am so sure about this cash back is I dont use my debit card online, unless there is a good offer. If I looked the offer one time only, I could be wrong about it. Since Ive been checking on the offer every few days to make sure I get cash back, I knew I clipped it and used it. I called Chase, XXXX answered and couldnt see the history of the offer, then escalated to supervisor XXXX. She said there was no offer, like I was hallucinating! 
Chase is taking advantage of customers by not paying out what they advertise. This is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15USC 1692g stating your claim is disputed and validation is requested. 

XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX XXXX XXXXI sent a debt validation back in XXXX but never received anything.XXXX XXXX XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX Financial-I sent a debt validation back in XXXX but never received anything.

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 2025-12-14 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: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15USC 1692g stating your claim is disputed and validation is requested. 

XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX XXXX XXXXI sent a debt validation back in XXXX but never received anything.XXXX XXXX XXXXI sent a debt validation back in XXXX but never received anything. 
XXXX Financial-I sent a debt validation back in XXXX but never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent an international debit card deposit through MoneyGram to a XXXX XXXX debit card. MoneyGram charged my account and marked the transaction as completed, however the receiving bank never received the funds. 
I only received an email stating your transfer is almost complete, but I never received a transfer complete confirmation, which indicates the settlement did not finalize. 
I contacted MoneyGram multiple times via chat. The case was escalated, but no ARN or bank settlement reference has been provided, and MoneyGram has instructed me to wait up to 21 days while the funds remain missing. 
The receiving bank ( XXXX XXXX ) confirms they can not locate the funds without an ARN or settlement reference, which MoneyGram has failed to provide.

I am requesting CFPB assistance to ensure MoneyGram either provides the ARN/settlement reference immediately or issues a full refund for a transfer that was charged but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Told them numerous times that I want documentation that I am the one that they are trying to collect from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital One is committing check fraud in excess of {$1000.00}. I am attemping to use their app to deposit a check through their app, and it requires me to write " for mobile deposit only '' on the check as part of that process. I've spent about 45 minutes taking various pictures on a dark background and despite the fact that the routing and account number is CLEARLY visible in the pictures, the app claims that it can not read the numbers. I want an immediate remittance of {$1000.00} into my account, whether through write off or transfer of funds from the issuer of the check, and an immediate removal of policy for requiring " for mobile deposit only '' for mobile deposits as I have no recourse if their app fails due to technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I am requesting that all interest and finance charges be removed from this loan and that the balance be adjusted to the original dental charge only. I was rushed into signing at the dental office and was told the financing was no interest with easy payments. I was not clearly informed of the APR, finance charges, or that the total repayment would exceed {$9000.00} on a {$5600.00} charge. 

I believe this loan involves violations of the Truth in Lending Act ( TILA ) and Unfair or Deceptive Acts or Practices ( UDAP ). I was rushed into signing the financing at the dental office and was told it was no interest with easy payments. I was not clearly informed of the APR, finance charges, or that the total repayment would exceed {$9000.00} on a {$5600.00} dental charge. 

A fair resolution would be removal of all interest and finance charges, re-amortization of the loan to the original principal only, or conversion to a true no-interest payment plan. I am also requesting correction of any inaccurate credit reporting and confirmation that no negative reporting will occur during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
b'WESTLAKE FINANCIAL SVC XXXX Company sold Auto loan, date opened XXXX XXXX  open/closed account CHARGED off. XXXX  writing off.$XXXX OF XXXX XXXX. status update XXXX XXXX Balance updated XXXX XXXX XXXXriginal balance XXXX Terms 48 months. Contact info XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX             I Put XXXX  Down PLUS XXXX payments AT XXXX I want all my money back'

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Beginning in XX/XX/year>, I sent multiple written requests by certified mail to third-party debt collectors seeking verification of their legal authority to collect and accurate reporting information related to alleged credit card debts. 

In one matter, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both asserted collection rights over the same charged-off credit card account. XXXX XXXX continued to report and request payment, while XXXX XXXX XXXX XXXX issued a settlement offer for the same balance. I requested documentation from both entities establishing which party actually owns the debt or has lawful authority to collect it. Despite receiving my certified requests, neither XXXX XXXX nor XXXX XXXX XXXX XXXX provided proof of ownership, assignment, or agency authority. Collection and reporting activity continued without resolving this conflict. 

In a separate matter involving a Citibank / Best Buy retail credit card account, XXXX XXXX XXXX XXXX XXXX began reporting and attempting to collect on the account using dates that do not reflect the original date of first delinquency. I requested that XXXX XXXX XXXX verify and correct the date of first delinquency as required by federal law. Instead of addressing this issue, the company continued to verify the account using an acquisition or reporting date rather than the original delinquency date, effectively re-aging the debt. 

In both cases, I made good-faith efforts to resolve these issues directly, provided clear written notice, and allowed sufficient time for response. The debt collectors either failed to respond or provided generic materials that did not address ownership, authority to collect, or the accuracy of delinquency dates. Despite this, collection and reporting activity continued. 

These actions have left me unable to determine who, if anyone, has lawful authority to collect the alleged debts and have resulted in misleading and potentially unlawful collection representations.

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 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am filing this complaint regarding my mortgage servicers failure to release an acknowledged mortgage overpayment. 

I submitted a written request via email on XX/XX/year>, requesting the release/refund of a mortgage overpayment totaling {$3400.00}. The servicer has confirmed that the funds exist and are being held, but as of XX/XX/year>, I have not received the funds and have not been provided with a status, processing timeline, or release date. 

Despite multiple follow-ups, I was only told that someone would get back to me in about a week with information, which is not a resolution and does not provide accountability. 

This delay exceeds reasonable mortgage servicing timelines for processing an overpayment refund. I am requesting immediate release of the {$3400.00} and written confirmation of resolution. 

I am filing this complaint due to the servicers failure to timely process my request or provide meaningful status updates regarding my own funds. 

I am seeking immediate refund/release of the {$3400.00} overpayment and written confirmation that my account is properly corrected

Company response to consumer: Closed with explanation