vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I made a request that my bank, Chime, draft a check to be sent to my dental insurance company for XXXX. When I followed up with my insurance company, due to receiving cancelation notice, I discovered that XXXX XXXX never received the payment. I reached out to Chime ( XXXX ) on XX/XX/XXXX to explain that the check that my bank said they sent never arrived to the recipient. Chime told me they would cancel the check and refund my account. The deposit estimated arrival was XX/XX/year> based on the banking app. I had been keeping an eye on my account to see the amount of XXXX arrive. When I did not see the deposit arrive by the XXXX I reached out to my bank. Both I and the customer service agent were reviewing the transactions on my checking account, and their account was not lining up with the electronic record in the banking app and on the desktop site. They emailed me a copy of my statement and I continued to question why their explanation was not supporting the evidence. They kept insisting that the deposit finalized on the XXXX of XXXX and there was no record of that on my statement or on my account on the App and desktop. There was never an email notification of and deposit. I have notifications for all deposits and transfers. My account falsely reports that there was a deposit on XX/XX/XXXX. This was the day that I reported that the check never reached XXXX XXXX. I did not receive a deposit from Chime and my insurance company never received the check that chime debited from my account. XXXX customer service employees from Chime were on the phone with me. When I continued to press them about them about the inconsistencies with the documentation and what they were telling me I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I am submitting this dispute regarding the following inaccurate information on my credit reports provided by the three major credit reporting agencies ( XXXX XXXX, and TransUnion ). I respectfully request that you investigate the validity of the following accounts and ensure they comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding accurate reporting and deletion of unverified items. 

XXXX  ( XXXX ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$550.00} Dispute Reason : The information reported by XXXX  regarding this account is inaccurate. The balance of {$550.00} does not reflect the correct amount owed. I request that XXXX verify the accuracy of the balance and payment history for this account. If this information can not be verified, I request the complete removal of this account from my credit report. 

FCRA Violations : FCRA 607 ( b ) : Information reported must be accurate.

FCRA 611 : The information must be properly investigated, and inaccurate information must be deleted.

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 2025-10-31 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: IL

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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

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 XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF -EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX INQ - EQ : XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a account with cashapp with over XXXX dollars that I am unable to retrieve XXXX XXXX I have appealed the account closure and have been denied. since my account is closed I am unable to withdrawl my funds. I first contacted cash app support around XX/XX/year> appeals denied. Now as of XX/XX/year> I was told to create a new account and verify my identity and they will transfer my funds from my old account to my new one. when I try to verify my identity on my new account the account get closed because it says that I violated community standards and I can appeal it, I have appealed and nothing has happend. I just want my money from my account. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
This dispute concerns account XXXX ( XXXX XXXX XXXX ) and is a formal request to remove inaccurate 90-day and 120-day delinquency marks reported for XXXX, XXXX, and XX/XX/XXXX. These delinquencies were not caused by me, but by a servicer transition failure, which I believe violates my borrower protections. 

Here is what happened : My federal loans were transferred from XXXX to Aidvantage. For years, these loans were on a stable autopay plan managed by my parents, who were the established primary contacts. During this servicer transfer, Aidvantage cancelled this long-standing autopay arrangement without my knowledge or consent. Furthermore, they failed to transfer the primary contact information for my parents, who had been managing all payments. 

After the payment pause ended in XX/XX/XXXX, Aidvantage began sending emails only to me, not to the established contacts, and with no clear warning that the autopay had been terminated. Believing the established autopay was still active, payments for XXXX, XXXX, and XX/XX/XXXX were consequently missed, and Aidvantage reported these as XXXX days delinquent. The moment I discovered this error in early XX/XX/XXXX, I immediately paid the entire past-due balance in full and re-enrolled in autopay. My account has been current ever since. 

My basis for this dispute is that this is a direct " adverse consequence '' of a loan transfer, which is a violation of federal regulation 34 C.F.R. 682.208 ( c ) ( 4 ). This negative reporting, which caused a XXXX drop in my credit score, is the direct result of a servicer-initiated error, not borrower negligence. I request that Aidvantage be instructed to remove these derogatory marks and update my account to reflect " Paid as Agreed '' for the affected months. I have attached my full dispute letter and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this incorrect account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$490.00} XXXX  Acct # : XXXX  Date : XX/XX/XXXX Amount : {$55.00} XXXX Acct XXXX : XXXX Date : XX/XX/XXXX Amount : {$170.00} XXXX dispute the accuracy and completeness of these charged-off accounts. I request verification of ownership, balances, and account status directly with the creditors. Any account that can not be verified should be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
We demand immediate deletion or correction of all disputed accounts. These items are inaccurate, unverifiable, and incomplete, and their continued reporting causes direct financial injury and ongoing harm to the consumer. Furnishers must comply with FCRA and FDCPA without delay or face regulatoryenforcement.

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 2025-10-31 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: NY

Complaint narrative:
We demand immediate deletion or correction of all disputed accounts. These items are inaccurate, unverifiable, and incomplete, and their continued reporting causes direct financial injury and ongoing harm to the consumer. Furnishers must comply with FCRA and FDCPA without delay or face regulatoryenforcement.

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 2025-10-31 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$2000.00}. Please verify and update the status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$340.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$200.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$250.00}. Please investigate and verify the accuracy. 

XXXX XXXX XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

Inquiries : There are no specific inquiries listed for TransUnion in this case. 

Late Payments : XXXX  XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please verify and provide a corrected entry. 

XXXX  XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please investigate and provide the correct entry. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please investigate and provide the correct status. 

XXXX XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please investigate and provide the correct entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is incorrect. Please verify and provide a corrected status.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: MO

Complaint narrative:
Category : Bank XXXX XXXX XXXX XXXX ( HSA ), Institution : Optum Financial / Optum Bank ( Member FDIC ) Timeline : XX/XX/year> XXXX transfer initiated through XXXX XXXX. XX/XX/year> Transfer request transmitted to Optum Financial. XX/XX/year> {$20.00} transfer fee charged. XX/XX/year> {$20.00} transfer fee charge refunded. XX/XX/year> XXXX stated funds would be held an additional XXXX weeks. XX/XX/year> {$3.00} HSA Account Maintenance Fee charged despite pending transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
An erroneous 30 day late payment was reported to my account by XXXX XXXX on a payment that was less than 30 days late. I have made multiple attempts to ask XXXX XXXX to remove the late payment record, but they have denied my request. 

This issue likely coincided with the switch of the XXXX Credit Card from U.S. Bank to XXXX  XXXX in XXXX of 2022. 

On XX/XX/year> I received U.S. Banks notice about the impending transition of the XXXX Credit Card to XXXX  XXXX. The letter instructed me to continue using my card normally until early XXXX, when I could set up online access with XXXX XXXX. However, my autopay was apparently cancelled that month and the XX/XX/XXXX payment was missed. See my XXXX U.S. Bank statement showing the past due amount of {$60.00} ( attached ). 

I received notice of a past-due balance from XXXX XXXX on XX/XX/XXXX and immediately paid the full statement balance of {$330.00} on XX/XX/year>. I have attached my XXXX XX/XX/year> XXXX XXXX statement, which shows that the payment was made on XX/XX/XXXX ( see page XXXX ). 

Therefore, the payment was in total XXXX calendar days late. It was due ( to U.S. Bank ) on XX/XX/XXXX and was confirmed paid to XXXX XXXX on XX/XX/XXXX. Despite this, XXXX XXXX has inaccurately reported this to credit bureaus as a XXXX late payment to the credit bureaus. 

Under the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting standards, a 30-day late mark may only be reported once a payment is 30 or more days past the due date. 

I am requesting that this 30-day late payment record be removed, as it is inaccurate reporting to the credit bureaus and has a lasting negative impact on my credit.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries appearing on my consumer credit report. These inquiries were not authorized by me in writing, nor do they appear to serve any permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 
I have never given written consent to the companies responsible for these inquiries to access or obtain my credit report. Because the FCRA requires that a consumers credit file only be accessed with a legitimate permissible purpose and written authorization, these inquiries represent violations of my consumer rights under federal law. 
Accordingly, I am demanding that your agency : 1. Conduct a full investigation into each disputed hard inquiry ; 2. Provide the name, address, and permissible purpose of every entity that obtained my credit file ; and XXXX. Delete all unauthorized inquiries that can not be verified as having a valid written authorization or permissible purpose under 15 U.S.C. 1681b. 
Please be advised that failure to comply with the FCRAs provisions may subject your agency and the furnishers of this information to civil liability under 15 U.S.C. 1681n and 1681o. 
I expect written confirmation of your investigation and an updated credit report reflecting any deletions within 30 days of your receipt of this dispute, per FCRA 611 ( a ) ( 1 ).

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