vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
The fraudulant transaction occurred between XXXX and XXXX XXXX  on XX/XX/2025. I called immediately after filign the original dispute with chime andnto report that my account was accessed and my money was stolen. That phone call took place before XXXX XXXX the night of XX/XX/XXXX into the XXXX. I filed a dispute again on XX/XX/XXXX or XXXX and again on the XXXX. I sent in multiple documents showing that someone scammed, stole my money by impersonating Chime and was able to obtain acces to my account and transfer {$970.00} from my account to what they claimed to be my new chime account. The documents I sent in all were screenshots of the call logs of them using their number to contact me or access my number. They were also screenshots of a text I had received, stating someone tried to make a transaction of XXXX XXXX and it was denied. I tired to use my cards for pizza around this time and my cards were also locked. The person who obtained my account information by claiming they were chime stated my account has been compromised and my money would have have to be refund in a check that would take up to XXXX they could create me a new account and we could have the money transferred into my new account. Documents of an email I received appearing to be chime showed my new account number. They then were able to send my money in total of {$970.00} to the account number in the email. Which ended up being not a new account and my money was immediately deducted from my account and they immediately hung up the phone and were no longer available to call to access what I was told to eb my new uncompromised account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I was gifted and egift card from VanillaGiftXXXX. When I clicked the link in the email, it sent me to VanillaGiftXXXX where I was asked to enter the card number. There is no card number in the email, as I don't technically have a card. When I tried to move on, VanillaGift LOCKED the account. It took several calls and waiting to get through because for the online problems, it requires the card number ( which, again, I do yet have, but am trying to get ). When I finally got through to their 3rd party overseas, I was told I needed to send a copy of a utility bill ( with my name on it ) and my driver 's license XXXX, and reference my case # in the subject line. I did so, but did not hear back. I finally got through ( after several different choices ), and was told I would have to wait 30 days for them to process my information and then they would tell me if it was resolved. I spoke to 3 different supervisors and no one would budge. I know these things can be handled manually, but after 1.5 hours on the phone ( much of it on hold ), I simply ran out of time. What a horrible company and a terrible way to do business. Scamming the givers and the recipients. And the worst thing? This was a gift from a friend to help me with expenses during my XXXX XXXX. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am writing to file a dispute regarding inaccurate information that appears on my credit reports with TransUnion. Below are the specific accounts and details of the inaccuracies, organized by bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is inaccurately reported as charged off. 

XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is inaccurately reported as charged off. 

XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is inaccurately reported as charged off. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account was not charged off, and the reporting is incorrect. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account was paid off, but it is inaccurately reported as charged off. 

Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : Inaccurate reporting of a bankruptcy that was not filed on this date. 

XXXX ECU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is inaccurately reported as charged off. 

Inquiries : XXXX XXXX  XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

Late Payments : XXXX Account Number : XXXX Description : Incorrectly reported late payment. It was made on time. 

XXXX Account XXXX : XXXX Description : Incorrectly reported late payment. It was made on time.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I am a qualified public servant seeking PSLF Buyback to reach 120 payments ( only need 10 ). My request has been pending for 10 months. My servicer, MOHELA, has failed to secure a timeline or resolution from XXXX. I request the CFPB compel MOHELA to coordinate with the Department of Education to immediately process my Buyback application and provide a final Buyback Agreement for the {$76.00} per month rate.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
In XX/XX/XXXX Alliant Credit Union bought my HELOC from XXXX XXXX  XXXX. On XX/XX/XXXX I called Alliant because I was unable to create an online account to make my monthly payment on my HELOC. I was told they website was in a blackout phase, but I could make a payment over the phone. On XX/XX/XXXX I called Alliant Credit Union again because I was having trouble making an online payment. At that time they said I needed my member number to create my online account and said they would send me a new member packet. I again made a payment over the phone. I then received a new member packet in the mail, but it was for another person and included their address and loan information. Alliant also sent me information on a savings account they had opened in my name without my permission. On XX/XX/XXXX I called Alliant Credit Union again as I was trying to create my online account, but had been given the wrong persons information and was unable to create my account to make a payment. At that time they explained that they had created a savings account for me and that account number was my member number. I continued to try to make an online payment using my XXXX XXXX Checking account, but I was forced to transfer money from XXXX XXXX to the Alliant Savings account before I could make a payment on my HELOC. The system said it would take XXXX business days for the transfer to go through. On XX/XX/XXXX I went online to make a payment and it was saying I had to pay both XXXX and XXXX payment since it was now past XXXX. My payment isn't late until XX/XX/XXXX. I again called Alliant Credit Union on XX/XX/XXXX to ask why a savings account was created in my name without my permission and if I could pay my HELOC directly from my XXXX XXXX XXXX Account. I was told no, I had to use the Alliant Savings Account to make payments to my HELOC or I would not be able to use the online payment system. I did not give permission for Alliant Credit Union to open a Savings Account in my name and I do not wish to transfer my banking to Alliant Credit Union. I feel I should be able to pay directly out of my XXXX XXXX Checking Account as that is where my employer directly deposits my paycheck and all my other automatic payments come out of. I am not the only person being affected by this, Alliant Credit Union has created savings accounts for others who have mortgages and HELOCs with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This letter serves as my formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am demanding that your company immediately stop all communication and collection activity regarding any alleged debt you claim I owe. 

I do not acknowledge or accept responsibility for this debt, and you have failed to provide any valid proof verifying its legitimacy or my obligation to pay it. Your ongoing contact attempts, collection actions, and credit reporting have caused unnecessary stress and harm to my credit reputation. As you are well aware, once a consumer issues a written cease and desist, you are legally prohibited from making further contact except to confirm compliance or notify of specific legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed multiple tradelines with Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  requesting full validation and the method of verification under FCRA 1681i and 1681s-2 ( b ). My dispute was sent on XX/XX/year> and XX/XX/year>. 

Equifax has not provided validation but continues to report these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-10 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am writing to file a dispute regarding inaccurate information that appears on my credit reports with Experian. Below are the specific accounts and details of the inaccuracies, organized by bureau. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is inaccurately reported as charged off. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account was not charged off, but the reporting indicates otherwise. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This account is incorrectly reported as charged off. 

Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description : This bankruptcy entry is reported inaccurately and does not match my official filing details. 

Inquiries : XXXX XXXX  XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX  XXXX  Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX XXXX Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

XXXX XXXX  Date : XX/XX/XXXX Description : This inquiry was not authorized, and I request its removal. 

Late Payments : XXXX Account Number : XXXX Description : Incorrectly reported late payment, it was paid on time. 

XXXX Account XXXX : XXXX Description : The late payment entry is inaccurate and should be removed. 

XXXX Account XXXX : XXXX Description : This entry is incorrect, as the payment was made on time. 

XXXX Account XXXX : XXXX Description : Incorrect reporting of a late payment, which was not late.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have been trying to switch my repayment plan from the XXXX plan to the standard repayment plan through Aidvantage. I started this process on XX/XX/XXXX when I had inquired about how my payments were being applied and had asked to be switched to the standard repayment plan. I had reached back out on XX/XX/XXXX to find out when I can expect to see the payment plan switch and was told that it could take up to XXXX business days from the day it was submitted, which was XX/XX/XXXX. I then followed up again around XX/XX/XXXX and was told that the request was still processing and that It should be completed by XX/XX/XXXX. I inquired again on XX/XX/XXXX as I still had not received any word from Aidvantage and was told that my loans were paid ahead and not due until XX/XX/year> and that status would need to be removed in order to change the repayment plan. That was the first time I was told about this extra step to get the repayment plan changed. The agent I spoke to that day put in the request to get paid ahead status removed and said it should be completed by XX/XX/XXXX and that I would then need to take to another agent to put in the request to get my repayment plan changed. That agent also told me that there was nothing in reference to changing the repayment plan on my account. On XX/XX/XXXX, I reached back out to customer service to confirm that the paid ahead status had been removed and to request the repayment plan change. The agent I spoke to said that the previous agent ended up putting in both requests and they had to review what was done because it did not match the notes. The agent then told me that the paid ahead status request had been completed and that they were processing the repayment plan change and that it should be completed by XX/XX/XXXX. I then received a letter from Aidvantage on XX/XX/XXXX that my request for the extended or graduated repayment plan was not processed due to my account being paid ahead more than 1 month. I just reached back out today, XX/XX/XXXX, to customer service to see what else needs to be done in order to get paid ahead status removed and the repayment plan changed. The agent put in another request to change the repayment plan and said it should be completed by XX/XX/XXXX. I then asked to see if they needed to remove the paid ahead status so that I don't get denied again. They said that they didn't see a paid ahead status on my account that they saw the denial but that this new request should work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization. 

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief