vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am requesting assistance because my federal student loan IDR forgiveness is being delayed despite having met the required number of qualifying months under the SAVE Plan.

Federal Student Aid ( FSA ) confirmed to me directly that I have 265 qualifying IDR months as of XX/XX/year>. I am an XXXX borrower, and my maximum repayment term under SAVE should be 240 months. This means I am 25 months past the forgiveness threshold.

FSA sent me official screenshots showing : 265 qualifying IDR months SAVE 20-year ( 240-month ) repayment term Progress Earned : 265 Progress Remaining : 0 That my loans should qualify under the 20-year undergraduate limit Despite this, my account has not been forgiven, and interest has started accruing again.

I have contacted my servicer ( Aidvantage ) multiple times. They continue to tell me to wait and do not escalate my case. Tier-1 agents at the Department of Education have also admitted that they can see my IDR counts but can not escalate or correct anything. Feedback Center cases appear to be closed at Tier-1 without any actual review, preventing my case from reaching the IDR Account Adjustment Team .

I am filing this complaint because : 1. My IDR payment count is confirmed by FSA to exceed the forgiveness threshold.

2. My servicer has not escalated the issue for loan-level correction or discharge.

3. FSA Tier-1 agents can not fix the issue and repeatedly tell me to wait.

4. My account is accruing interest even though I should already be eligible for discharge.

I am requesting CFPB assistance to ensure that the IDR Adjustment Team or the correct department at the U.S. Department of Education reviews my case, corrects the loan coding if necessary, and processes the forgiveness I qualify for under federal law.

I can provide the FSA screenshot ( sent to me by email ) verifying my 265 qualifying months and SAVE 240-month limit.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Account name : XXXX XXXX. Amount shown : {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have repeatedly failed to conduct a lawful and reasonable investigation under the Fair Credit Reporting Act ( FCRA ) regarding an inaccurate collection account reported by XXXX XXXX XXXX ( NCS ) on behalf of XXXX XXXX. Despite multiple disputes, all three credit bureaus continue to report information that is factually incorrect, unverified, and unsupported by any documentation. 

The credit bureaus have permitted XXXX XXXX XXXX to furnish illegitimate debt information without requiring proof. This violates FCRA Sections 602 ( A ), 607 ( b ) ( maximum possible accuracy ), and 611 ( a ) ( duty to reinvestigate disputed information ). 
Details of Inaccuracy and Failure to Verify XXXX. XXXX XXXX Has Provided No Proof of the Charges Reported XXXX and XXXX XXXX have failed to produce any evidence substantiating the charges they claim I owe. Specifically : A. Utility Charges ( Gas, Water, Sewage ) My lease does not include utilities as part of rent and clearly states that tenants are responsible for utilities. 

XXXX XXXX has not produced a single utility invoice showing these services were used at the property I occupied. 

XXXX owns numerous properties, making proper allocation essentialyet they have produced no evidence tying any utility usage to my residence. 

Under Texas Property Code 92.301, landlords must provide utility bills and allocate charges fairly and transparently if passing them on to the tenant. XXXX nor XXXX XXXX XXXX did not comply. 

Because no invoices, statements, usage logs, or supporting records were provided, the utility charges are unverified, unsubstantiated, and legally invalid. 

Under the FCRA, a furnisher must conduct a reasonable investigation before reporting a debtespecially after disputes are filed. 

XXXX has : Ignored multiple direct disputes. 

Continued reporting charges they can not prove. 

Failed to supply documentation required under FCRA and Texas law. 

XXXX. Experian, Equifax, and TransUnion Failed Their Legal Duty to Investigate Despite repeated disputes with each bureau, they : Continued reporting the inaccurate collection account. 

Verified the account without receiving evidence from XXXX. 

Provided boilerplate verified responses without performing a reasonable reinvestigation, violating FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Illegal Re-Aging of the Account The account is now showing closed on XX/XX/year>, even though the charge-off occurred earlier.

This change falsely extends the delinquency timeline and violates FCRA 623 ( a ) ( 5 ).

Conflicting Status Equifax originally reported the account as open, while showing charge-off/collection.

Other bureaus show different statuses ( closed ), and Equifax recently changed the status to closed without proper investigation.

Conflicting Dates Date of First Delinquency ( DOFD ) differs across bureaus.

Date of Last Activity and Date Closed are inconsistent.

Equifax changed the closure date to XX/XX/year>, which is inaccurate and misleading.

Failure to Conduct a Reasonable Reinvestigation This is my 4th dispute, and Equifax has not corrected conflicting and incomplete data.

Violations include : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Inadequate reinvestigation FCRA 1681s-2 ( b ) Furnisher failed to correct after disputes FCRA 1681c Re-aged DOFD affecting reporting period The data is unverifiable and misleading Balances, past due amounts, dates, and payment history differ between credit bureaus.

Requested Action : I am requesting the CFPB to require Equifax to : Delete the inaccurate XXXX  account from my credit report, or Correct all dates, statuses, and reporting to be accurate, consistent, and compliant with FCRA rules.

Equifax has failed to resolve these issues despite multiple disputes and continues to update the account with new incorrect information.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Illegal Re-Aging of the Account The account is now showing closed on XX/XX/year>, even though the charge-off occurred earlier.

This change falsely extends the delinquency timeline and violates FCRA 623 ( a ) ( 5 ).

Conflicting Status Equifax originally reported the account as open, while showing charge-off/collection.

Other bureaus show different statuses ( closed ), and Equifax recently changed the status to closed without proper investigation.

Conflicting Dates Date of First Delinquency ( DOFD ) differs across bureaus.

Date of Last Activity and Date Closed are inconsistent.

Equifax changed the closure date to XX/XX/year>, which is inaccurate and misleading.

Failure to Conduct a Reasonable Reinvestigation This is my 4th dispute, and Equifax has not corrected conflicting and incomplete data.

Violations include : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Inadequate reinvestigation FCRA 1681s-2 ( b ) Furnisher failed to correct after disputes FCRA 1681c Re-aged DOFD affecting reporting period The data is unverifiable and misleading Balances, past due amounts, dates, and payment history differ between credit bureaus.

Requested Action : I am requesting the CFPB to require Equifax to : Delete the inaccurate XXXX  account from my credit report, or Correct all dates, statuses, and reporting to be accurate, consistent, and compliant with FCRA rules.

Equifax has failed to resolve these issues despite multiple disputes and continues to update the account with new incorrect information.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: KY

Complaint narrative:
I am complaining about a predatory consumer installment loan issued by XXXX XXXX XXXX  XXXX XXXX and serviced by Integra Credit. 

On XX/XX/year>, I took out a {$1500.00} loan. The lender is charging an APR of 209.2006 %, a finance charge of {$4000.00}, and a total repayment of {$5500.00} over XXXX biweekly payments of {$130.00}. 

I was not made aware during the application process that the full cost would exceed {$5500.00}, nor that Utah law would be used to bypass Kentucky interest rate protections. This is a rent-a-bank setup, and the terms are abusive and predatory. 

I am requesting that the CFPB investigate this lenders practices and help reduce or eliminate the excessive interest charges. 

Loan Number : XXXX Lender : XXXX XXXX XXXX  XXXX XXXX ( Utah ) Servicer : Integra Credit / Deinde Financial, LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
CFPB COMPLAINT XXXX  HOLDING MY FUNDS WITHOUT EXPLANATION Company : XXXX  ( PayPal, Inc. ) What Happened ( Full Description ) XXXX  suspended my account on XX/XX/year> and permanently disabled it on XX/XX/year> without providing any clear or legitimate reason. During this time, XXXX  placed a hold on my funds totaling {$99.00}, which they are still refusing to release. 
XXXX  claimed there was suspicious activity, and I completed the entire verification process, including all identity and documentation requests. After completing verification, my account was still permanently disabled without explanation, and my funds remained held. 
I contacted XXXX  support multiple times, and I was met with : Rude and dismissive responses Inconsistent and contradictory information A representative falsely claiming that a complaint had been filed on my behalf when it had not No explanation of why my account was disabled No reason for why my money is being held XXXX  has given me no : Written explanation Dispute notice Compliance information Timeline Clear path to resolve the issue Additionally, I believe XXXX actions may be retaliatory. 
After I attempted to file a complaint and questioned their handling of my account, the tone of customer service changed dramatically, and shortly after that interaction, my account was permanently disabled. The timing suggests that XXXX  may have taken adverse action simply because I pushed back and tried to escalate the issue. 
Why I Am Filing a Complaint XXXX  actions appear to violate their own stated policies. Their help center says : Seller-related payment holds are released in 21 days Account freezes should be resolved once verification is submitted They do not list any policy explaining indefinite or unexplained multi-month holds Despite this, XXXX  is permanently disabling my account and refusing to release my {$99.00}. 
Other consumers have filed similar complaints describing : Accounts frozen or disabled without explanation Funds held for long periods without clear reasoning Verification completed but money still withheld Inaccurate or misleading responses from customer service This shows a potential pattern of unfair and deceptive practices. 
Consumer Harm XXXX  is withholding funds that belong to me without providing any transparency, justification, or path to resolution. Their sudden permanent account disabling after my attempt to file a complaint raises concerns about unfair retaliation. This has caused financial stress, uncertainty, and significant inconvenience despite my compliance with all verification requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NJ

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

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 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX charges made to my credit card - Barclays XXXX XX/XX/XXXX - XXXX XXXX, XXXX PA {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX PA {$1200.00} XXXX XXXX XXXX XXXX XXXX - XXXX CA {$92.00} Was notified via alert of potential fraud activity from CC company, called company on XX/XX/XXXX and confirmed these XXXX charges were not made by myself or the other authorized user. Card was reported and closed for Fraud. Card has been in my possession entire time. 
Investigation was opened and XXXX charges were reversed. 
XX/XX/XXXX XXXX charges were put back through account. 
No action was taken on XXXX XXXX charges. 
XX/XX/XXXX noted charges were on account again, called CC company, was advised that investigation was completed and charges found to be valid. 
Told representative that the charges were not made by account owner/auth rep. CC company reopened the case. 
XX/XX/XXXX XXXX XXXX purchase was reversed but later in day email was received advising that the charge was valid. 
No additional reversals have been made to the XXXX charges. 
Called XXXX, they were unable to provide any detail over the phone. 
Will be filing a police report at my local police station and am continuing to deal with CC Company.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against Chime Financial , Inc. regarding multiple unauthorized transactions on my account and Chimes repeated failure to properly investigate or assist me despite my numerous attempts to resolve the matter. 

Summary of the Issue : I first discovered several fraudulent transactions made by an individual listed as XXXX XXXX in XXXX of this year. These unauthorized charges totaled over {$130.00}, and I do not know this person nor have I ever authorized any transactions involving them. 

After discovering the fraud in XXXX, I immediately contacted Chime. The representative assured me that a dispute had been filed. I relied on this information. However, on XX/XX/XXXX, I reviewed my account and discovered that no dispute had ever been submitted, despite being told otherwise. As a result, I filed the dispute myself on XX/XX/XXXX. 

Within a few hours of filing it, Chime denied the dispute without providing any explanation, evidence, or acknowledgment of their earlier failure to file the claim. I reopened the dispute, but it was again denied shortly thereafter, without reason. Chime has since refused to assist me or conduct a proper investigation of the fraudulent activity. 

Timeline of Events : XXXX : Discovered multiple fraudulent transactions from XXXX XXXX totaling more than {$130.00}. 

XXXX : Contacted Chime ; representative stated a dispute was filed, which was later found to be false. 

XX/XX/XXXX : Checked dispute status and learned it had never been filed. 

XX/XX/XXXX : Filed the dispute myself. 

Same day : Chime denied the dispute within hours, with no explanation. 

Shortly after : Reopened the dispute ; it was denied again without reason. 

Chime has since refused to assist or conduct a proper investigation. 

Impact on Me : Chimes failure to file my dispute in XXXX, combined with their repeated denials without investigation, has caused financial loss and significant stress. Their handling of this matter appears to violate the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions to conduct a reasonable and timely investigation into reported unauthorized transactions. 

Despite my efforts to resolve this directly with Chime, they have not taken any meaningful steps to address the fraudulent activity or reimburse me for the unauthorized charges. 

I respectfully request that the Consumer Financial Protection Bureau investigate Chime Financials handling of my case, require a proper and lawful investigation into the unauthorized transactions, and ensure that I am reimbursed for the fraudulent charges. 

Thank you for your time and attention. I can provide documentation of the transactions and all communications with Chime upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OneMain Finance Corporation
State: AL

Complaint narrative:
This {$8900.00} collection from OneMain Financial ( reported by XXXX ) is not mine/ I do not recognize this debt/ I have never had a loan with OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint to dispute the inaccurate reporting of my XXXX XXXX XXXX  account ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which shows a balance of {$34000.00} with a reported opening date of XX/XX/XXXX, and last activity dated XX/XX/XXXX. The account is reported with multiple late payments, including 30-day, 60-day, and 90-day delinquencies spanning XX/XX/XXXX through XX/XX/XXXX, which are inaccurate, unverified, and unsupported by any account statements or valid documentation. Additionally, there are significant inconsistencies across Experian, Equifax, and TransUnion regarding the accounts opening date, last activity, and late payment history. These discrepancies misrepresent my credit history, violate FCRA 607 ( b ), which obligates furnishers to maintain procedures ensuring maximum possible accuracy, FCRA 611 ( a ) ( 5 ) ( A ), requiring removal or correction of unverifiable information, 611 ( a ) ( 1 ) ( A ), granting consumers the right to dispute inaccurate information, and FCRA 623 ( a ) ( 1 ) ( A ), prohibiting furnishers from reporting information they know or should know is inaccurate. Despite my prior disputes, these inaccuracies and conflicts remain, creating confusion and materially harming my credit profile.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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 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