vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-18 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am filing this complaint against my student loan servicer Aidvantage because they reported late payments to the credit bureaus due to an autopay processing error/miscommunication on their end, and they have failed to correct the inaccurate negative reporting despite my repeated requests and a prior representative 's agreement to do so. 

In XX/XX/XXXX, I missed XXXX monthly payments on my federal student loans XXXX. This was caused by an issue with autopay : My online account dashboard showed autopay as actively enrolled and scheduled, but the payments were not withdrawn from my bank account. I received no advance notification of any problem with the autopay setup. 
On XX/XX/XXXX, I contacted customer service and spoke with XXXX XXXX XXXX. The rep confirmed that autopay appeared set up correctly on their system and assured me they would submit a request to retract/correct the late payment reporting to the credit bureaus as a courtesy due to the miscommunication/system issue. However, this was never done, and the late payments continue to appear on my XXXX XXXX XXXX XXXX credit reports, significantly damaging my credit score.

I have since brought my account current and maintain a strong overall payment history. These late marks are inaccurate because they stem from a servicing error or miscommunication regarding autopay processing, not from any intentional delinquency on my part. Widespread reports and CFPB findings have documented similar autopay glitches with student loan servicers, especially around repayment restarts or system transitions. 

I have attempted to resolve this directly with the servicer multiple times, but they have refused to remove the negative reporting. 

I respectfully request that the servicer : - Investigate and correct the inaccurate late payment information reported to the credit bureaus. 
- Submit deletions/updates to XXXX XXXX XXXX XXXX to remove these tradelines.

- Provide written confirmation of the correction.

This inaccurate reporting is causing me financial harm, including difficulty finding a place to live with minimum credit score requirements. I am getting married in XX/XX/XXXX and will be buying a house soon and will suffer interest rate issues if this negative report lingers. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Would you mind going over this entry? It could contain errors.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Summary of Issue Chime Financial improperly restricted, closed my account, and is withholding my funds while refusing to issue a refund or provide a valid explanation. 
Detailed Timeline On XX/XX/year> at XXXX XXXX, my Chime account was restricted for XXXX hours. 
Immediately after the restriction was lifted, my account was restricted again for another XXXX hours without explanation. 
On XX/XX/year> at XXXX XXXX my account was permanently closed. 
I contacted Chime customer support and was told the closure was due to unusual activity, but they refused to provide any specific details or evidence. 
I asked whether I would receive the remaining funds in my account. 
I was told I am not eligible for a refund and that nothing could be done, without citing any policy or legal justification. 
Funds Withheld At the time my account was closed, I had over {$150.00} remaining in my account, which Chime has refused to return. 
Why This Is a Problem Chime has not provided a clear or documented reason for denying my refund.

I was not informed of any lawful seizure, court order, or government hold on my funds. 
Chimes refusal to return my balance contradicts standard banking practices and consumer protection expectations. 
I have not received any mailed refund check, written explanation, or documentation justifying the permanent withholding of my money. 
Resolution Requested I am requesting : Immediate release and return of my remaining balance ( over {$150.00} ) via check or another lawful method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I got a payday loan from Sunny Day Lending to help with a financial emergency, and it quickly became apparent that I wouldnt be able to pay the high weekly payment. 

I added them to my XXXX XXXX debt collect account, and logged into my Sunny Day Lending portal and selected the checkbox saying I no longer authorize them to take money from my debit account. 

I filed a complaint with XXXX XXXXXXXX XXXX, and they returned the 2 payments that were taken after I removed my consent.

THEN, Sunny Day Lending started writing fake checks in my name- I made the mistake of giving them my checking account info during the application lesson learned!!!.

Anyway, every week since then, theyve written a fake check in my name. XXXX XXXX even confirmed the checks were fake. My bank has been returning the payments, but its racking up a lot of overdraft fees I cant afford to pay! ( Especially since I just got laid off from my job 2 days ago. ) This company is doing fraudulent activities, and definitely needs to be investigated.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of several accounts on my credit report, as detailed below. I believe these accounts contain inaccurate and incomplete information. Below, I have listed the specific accounts in dispute, separated by bureau : 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 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 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 2025-12-18 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating several accounts currently reflected on my credit report. After carefully reviewing the information reported, I identified entries that appear to be outdated, inaccurate, or no longer representative of my current financial standing. In light of these discrepancies, I respectfully request that the necessary corrections be made so that my credit file accurately reflects my verified and up-to-date financial information. Ensuring the accuracy of my report is essential, and I appreciate your cooperation in addressing these concerns promptly and thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am disputing the Apple Card / GS Bank USA account reported as charged off with a balance of {$3000.00}, against a credit limit of only {$1500.00}. The tradeline shows delinquencies starting in XX/XX/XXXX, with escalating late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ) through XX/XX/XXXX, and then charge-off reported continuously from XX/XX/XXXX to XX/XX/XXXX. 

I previously disputed this account, and the furnisher updated the status to " Account previously in dispute investigation complete, '' but provided no documentation to verify the charge-off amount or monthly history. Several issues remain : The charged-off balance is over double the credit limit ( {$3000.00} vs. {$1500.00} ), yet no itemized breakdown of fees, interest, or purchases has been shared. 

The account shows charge-off status for 18 consecutive months, which is excessive and may indicate improper re-aging or inaccurate status reporting. 

No recent payment, payment schedule, or transaction history is listed. 

The account is still marked as under dispute, but no verification documentation was supplied during the reinvestigation.

The FCRA requires that all reported information be accurate, complete, and verifiable ( FCRA 611, 623 ). As of now, this account is unverified, misleading, and incomplete and continues to damage my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve disputes related to inaccuracies in my credit report. Below are the accounts in dispute : Charged Off Accounts : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed two separate disputes with Experian due to there being a report on that specific bureau that is a medical debt from a collection agency called XXXX XXXX. I initially filed a dispute on XX/XX/year>. It was not resolved. I filed another dispute on XX/XX/year> and did not hear back for close to 30 days ( received response XX/XX/year> ). It is illegal to report a medical debt on a credit report. I have not had this issue with any other bureau and would like this issue resolved.

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 2025-12-18 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: WI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX XXXX that was dated XX/XX/XXXX for a debt from PayPal , Inc of : " {$12000.00} As of XX/XX/XXXX '' and " Total amount of the debt now : {$240.00} ''. 

This is not something I recognize and it did not show up on my credit reports that I monitor, so I don't know how there could be a legitimate PayPal account different from my actual one which I use and had no mention of such debt.

I contacted PayPal and they said this may be a phishing attempt and was looking into it. 

I decided to follow the instructions and I responded by email to XXXX today after looking into CFPB and using one of their template letters since I should not need to divulge additional personal information that would help the phishing attempt by doing so. 

I have not yet received any response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate information and an unauthorized inquiry that are currently being reported on my consumer credit file. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these errors remain unresolved. 

XXXX. Inaccurate Address Not Mine The following address is being reported on my credit file, which I do not recognize and have no knowledge of. This address has never been associated with me in any capacity. 

XXXX XXXX XXXX FL XXXX, XXXX XXXX, NY XXXX Wrong Address Reporting or maintaining an address that does not belong to me is inaccurate and misleading. Under the FCRA, consumer reporting agencies are required to report only complete and accurate information. 

I am formally requesting deletion of this address from my credit file. 

XXXX. Unauthorized Credit Inquiry No Knowledge The following inquiry appears on my credit report, which I do not recognize and did not authorize : XXXX ( XXXX  XXXX ) Inquiry dated XX/XX/year> I have no knowledge of this inquiry and did not provide authorization for XXXX  XXXX or any related entity to access my credit file. An inquiry without permissible purpose violates the FCRA. 

I am requesting a full investigation and removal of this inquiry unless verifiable proof of authorization can be provided. 

Requested Resolution I respectfully request that the CFPB : Require the involved credit reporting agencies to investigate these inaccuracies. 

Ensure the deletion of the incorrect address listed above. 

Ensure the removal of the unauthorized inquiry if no permissible purpose is proven. 

Require that my credit file reflect only accurate and verifiable information going forward. 

Please note that I am disputing the accuracy and legitimacy of the items listed above and am requesting correction or deletion in accordance with the FCRA. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
This is the third debt collector that has sent me a letter in the mail, I have responded. Meanwhile they do not respond to me and resell the debt. There is no such debt on my credit report so I can not dispute through the credit bureaus. I do not know how to stop the reselling and the constant speculation.

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 2025-12-18 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: VA

Complaint narrative:
I am submitting a dispute regarding multiple inaccuracies in my credit reports. The following accounts are in dispute across the XXXX major credit bureaus : XXXX ( XXXX ), Equifax ( XXXX ), and XXXX  ( XXXX ). Below are the details for each account and the specific issues I am contesting : CHARGED OFF UPGRADE XXXX, Account No : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} LATE PAYMENTS XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX XXXX XXXX, Account No : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
I disputed this account in XXXX through the credit bereau 's and did not receive any information that the debt is valid. On XX/XX/25, I sent a second letter for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A rental-related collection in the amount of {$990.00} is being reported by National Credit Systems , Inc. related to XXXX XXXX XXXX 

I disputed this account with XXXX, and the dispute was completed on XX/XX/2025. XXXX written results state that the collection was verified, but no documentation was provided to me. Instead, only unrelated fields such as balance date and status date were updated. 

At no point has the collection agency provided validation of this alleged debt. I have not received a signed lease or rental agreement, an itemized move-in/move-out ledger, proof that I am legally responsible for the debt, or documentation supporting the amount claimed. 

Despite the lack of verification, the collection continues to be reported and collected. I have taken reasonable steps to dispute the accuracy of this account, but the company has failed to substantiate the debt. 

I am requesting deletion of this unverified rental collection and written confirmation that the account will no longer be reported or collected unless proper documentation can be produced.

Company response to consumer: Closed with explanation