vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
My federal student loans originated from the XXXX XXXX XXXX ( XXXX ). My account has been transferred multiple times over a 15+ year servicing chain. 

Due to repeated servicing transfers, Aidvantage has failed to properly credit payments I made prior to the COVID-19 payment pause, has incorrect school code and enrollment reporting on my account, and has improperly capitalized interest resulting in inflated and inaccurate balances. 

Aidvantage can not provide consistent, verifiable historical payment records or documentation supporting the current balance. My balance has increased without documented accounting justification. 

I am formally disputing the accuracy, servicing history, and reporting of my federal student loan account and am requesting a full forensic accounting audit, correction of all inaccurate balances, and suspension of collection activity and negative credit reporting until the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I tried to open an account with Chime but I was declined and wasnt provided a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I never was notified of being sued by this company and garnishment. I never got a loan or credit card from this company. Dont even know this company. Dont even know how much Im currently being sued for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report. Please find the details of the disputed items below, separated by each bureau : INQUIRIES XXXX  Date : 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment status and associated fees reported for the account mentioned above under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ).

After reviewing my credit report, I noticed that Citizens Bank has reported a late payment for months I contend that this reporting is inaccurate and that the {$40.00} late fee assessed is excessive and potentially non-compliant with current consumer protection regulations regarding " junk fees. '' I am disputing this item based on the following : Accuracy of Reporting : Under the FCRA, creditors must provide accurate information. I am requesting full validation of the exact date the payment was received and the specific grace period terms of my contract.

Excessive Fees : The {$40.00} fee assessed is punitive and exceeds reasonable collection costs. I request a breakdown of how this fee was calculated in accordance with the Credit CARD Act and CFPB guidelines.

Verification of Debt : Under the FDCPA and FCRA, you are required to verify the accuracy of this data. If you can not provide the original contract or evidence that the payment was legally " late '' per the terms of our agreement, this mark must be deleted. 
Please investigate this matter immediately. If you can not verify that the {$40.00} fee and the late reporting are XXXX XXXX accurate and compliant with federal law, you are required by law to remove the late payment notation from my credit file and credit the {$40.00} fee back to my account. 
I have enclosed a copy of my [ ID/Utility Bill ] to verify my identity. I look forward to receiving your response within the XXXX statutory period. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have requested validation of this alleged debt. The company has failed to provide documentation proving ownership of the debt, a complete chain of assignment, or the original contract bearing my signature. 

Despite this failure, the company continues to report the account as a collection to the credit reporting agencies, causing ongoing harm. Continued reporting without validation violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting immediate deletion of this account from all consumer reporting agencies and cessation of all collection activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I am disputing the following charged-off accounts that have incorrect information appearing on my credit report. 

Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8500.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES Account Name : XXXX  Date of Inquiry : 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 2025-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute regarding the inaccurate reporting of accounts on my credit file. Below are the details of the accounts in question : Charge Off Accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$320.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$620.00}

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 2025-12-29 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:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I was transferred into the XXXX plan. I tried to apply to be switched into a different plan in XX/XX/year> but MOHELA never processed my request. I had to reapply in XXXX because they said anything submitted prior to XXXX won't be looked at. They still haven't processed my request. I am now being charged interest on my loans which are in forbearance and I don't have a monthly payment I can make that will qualify towards XXXX or IDR repayment. 

I am being charged interest on loans that I am unable to repay because the federal government is holding them in forbearance and MOHELA isn't processing my request to move me to a new XXXX plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Ive trade in my lease truck in XX/XX/XXXX for a new lease, as of today XX/XX/XXXX, my account is still delinquent because XXXX XXXX says they never received the check from the dealer. 
Dealer XXXX XXXX stating that they sent a check of amount XXXX $ on XX/XX/XXXX and paid on XX/XX/XXXX. After multiple calls they found the check was missing about XXXX $ for the total amount, so they voided and overnight sent a new check for the full amount on XX/XX/XXXX. 
As of today, seems that XXXX XXXX  didnt received it yet. 
Theres an escalated case open by the dealer to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a billing dispute for a damaged shipment. The dispute was denied and closed despite clear documentation that the shipment arrived damaged ( documented by XXXX at delivery with an exception number ), the merchant closed my account and refused resolution. 

Citibank reversed the chargeback and advised me to contact the merchant, even though the merchant terminated the business relationship and refused to assist. Citibank did not properly consider carrier settlement evidence, email correspondence, or documentation showing abandonment by the merchant. 

I am requesting a full review of the dispute with all submitted evidence and a correction of the billing error.

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 2025-12-29 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: TN

Complaint narrative:
I am submitting this statement as a consumer disputing inaccurate and outdated information being reported by the credit bureaus listed below. The information in question includes charged-off accounts and prior addresses that I believe are being reported in error or are unverifiable. I am requesting a thorough reinvestigation and correction in compliance with the Fair Credit Reporting Act ( FCRA ). 


Previous Address in Dispute : XXXX XXXX, XXXX, XXXX XXXXXXXX This address is outdated and should be removed. 

XXXX Accounts in Dispute : XXXXXXXX XXXX XXXXXXXX XXXX same account numbers and dates as above ) These should not be listed as charged-off accounts. 

XXXX XXXX Account XXXX. XXXX Reported XX/XX/XXXX {$5400.00} I do not recognize this account. 

XXXX XXXX Account XXXX. XXXX Reported XX/XX/XXXX {$6200.00} Please verify all information directly with the furnisher.

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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Processing Services, LLC
State: NC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX for XXXX XXXX Bank. Called threatening court action. I requested additional information she got mad an hung up the phone. Then I received a text message saying that i have past due balance and pending legal action. They also texted my mother the same message at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am disputing the following accounts, which are listed on my credit reports with XXXX XXXX XXXX TransUnion. These items are inaccurate and need to be removed in accordance with the Fair Credit Reporting Act ( FCRA ). I request that you investigate these accounts and provide a detailed response. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$97.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is reporting a XXXX XXXX XXXX XXXX loan with materially inaccurate and internally contradictory information despite multiple disputes. The account is reported as charged off every month from XX/XX/XXXX through XX/XX/XXXX, which is legally impossible. Experian 's own records also show post-charge-off payments while continuing to report the account as charged off with a $ O monthly payment and fluctuating balances exceeding the original loan amount. Despite repeated disputes, Experian has failed to disclose its method of verification or correct the inaccuracies. See attached packet as exhibits

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 2025-12-29 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: FL

Complaint narrative:
The bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AR

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation