vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXX  has failed to comply with the Fair Credit Reporting Act ( FCRA ) during my dispute process regarding several student loan accounts serviced by Aidvantage/XXXX  XXXX XXXX XXXX 

I submitted multiple written disputes to XXXX  because the late payment information being reported is inaccurate, incomplete, and unverifiable. XXXX  responded that the accounts were verified, but when I submitted a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ), they did not provide any of the required information. 

XXXX  did NOT provide : who verified the information how the information was verified what specific documents were reviewed whether Aidvantage produced any itemized loan-level records Instead, XXXX  sent a generic form letter, which does not satisfy the statutory requirements of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) or 611 ( a ) ( 7 ). This is a violation of my rights. 

In addition to the failure to provide MOV, there are major inconsistencies and accuracy issues : Aidvantage confirmed in a recorded call that no delinquency notices were ever mailed to my physical address, even though the accounts were reported as late. 

Aidvantage could not provide itemized delinquency information for each individual loan, yet XXXX  is reporting separate late payments on multiple loan lines. 

XXXX of my student loans is now reporting as Closed / Paid on my XXXX  report, even though I am still actively paying this loan and it has not been paid off. This indicates a data integrity error created during the verification process. 

My credit reports across all bureaus are inconsistent, showing different statuses, different dates, and conflicting information, which suggests that the data is unreliable and unverifiable. 

XXXX  did not provide any documentation from Aidvantage, such as statements, notices, billing history, or proof of mailed delinquency notifications. Without this documentation, they can not legally verify the information. 

I am requesting that the CFPB require XXXX  and Aidvantage to : Provide the complete Method of Verification Provide copies of all records used to verify the late payment data Explain why a currently active loan is reporting as closed and paid Correct or delete any information that can not be fully verified with documentation Remove the inaccurate late payment history if they can not prove each item at the loan level I have attempted to resolve this directly with XXXX  through multiple written disputes, but they have not complied with federal law. I am requesting CFPB assistance to enforce my rights and ensure my credit report reflects accurate and verifiable information. 

I've sent XXXX letters start in XXXX, XXXX early XXXX, and XXXX in XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I have credit card with USAA. The card was charged multiple times over the course of 2025. I asked USAA to investigate. They did find unauthorized charges and credited my account. The reason I am reporting this matter is as follows. The fact that USAA identified fraudulent charges on my account and only credited 1 transaction for each month there was fraud was very suspicious. Multiple charges were fraudulent over the last year. Yet they cherry picked which ones to credit my account. Each month multiple charges appear on my statement. The fact that they identify fraudulent charges multiple times and had the audacity to only reimburse a total of XXXX transactions for XXXX each. When there were charges from XXXX, {$12.00} and {$20.00} all throughout the year from the same merchant XXXX. I asked USAA to investigate multiple times for this matter and yet this still continues. A USAA representative treated me with total disrespect and was laughing at me on the phone. I was extremely disappointed by this level of behavior. 

The same week I identified these charges a man showed up at my girlfriends place of work to collect her USAA card. He claimed to be from USAA. My girlfriend called the bank to make sure it was USAA and they agreed that it was them. USAA sent SMS notifications through text messages to confirm it was them. And the very same evening all the money in her account was gone. When I asked USAA about this they said there numbers are spoofed? Whatever that means but it was their representatives words verbatim. In other words they have no control over the situation. I believe they are complicit in defrauding us.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pomelo Technology US Inc
State: NC

Complaint narrative:
Company name : XXXX I initiated an international money transfer from the United States to XXXX using the XXXX mobile application. 

Transaction ID : XXXX Amount : USD XXXX Date & Time Submitted : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) On XXXX user interface, it is clearly stated that money will be sent typically in minutes. However, as of XX/XX/XXXX at XXXXXXXX XXXX the transaction has remained in In Progress status for more than three business days.

The funds have neither been delivered to the beneficiary in XXXX nor refunded to my account. 

I have contacted XXXX customer support multiple times, including three phone calls and over ten emails, but the issue remains unresolved. I have not received a clear explanation, resolution timeline, or refund.

This delay is unreasonable and constitutes a failure to provide the promised remittance service. My money has been held without completion or cancellation, causing financial stress and inconvenience. 

I am requesting that XXXX be required to either immediately complete the transfer or issue a full refund without further delay, in accordance with U.S. remittance transfer regulations.

This delay is not a minor inconvenience. The transfer was made for urgent personal needs, and the failure to deliver or refund the funds has caused significant financial stress, hardship, and emotional distress. When a company advertises near-instant transfers, consumers reasonably rely on that promise, especially in time-sensitive or emergency situations.

Holding customer funds indefinitely without completion or cancellation raises serious concerns. If a consumer faces a personal emergency due to a delayed remittance, it is unclear who bears the cost of the resulting hardship.

I believe this constitutes a failure to provide the promised remittance service and an unfair practice. I respectfully request that XXXX be required to immediately complete the transfer or issue a full refund without further delay, in accordance with U.S. remittance transfer regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I requested that TransUnion conduct a lawful reinvestigation of the disputed information on my credit file and provide the results of that reinvestigation, including deletion of any information that could not be verified, as required under the Fair Credit Reporting Act.

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 2025-12-25 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: TX

Complaint narrative:
I am submitting a complaint regarding a retail jewelry purchase involving material misrepresentation. The item was represented as diamond but was later identified through independent evaluation as moissanite. The merchant denied a refund and did not permit a return or alternative remedy. Supporting documentation is attached.

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 2025-12-25 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: AR

Complaint narrative:
Although this account has been paid in full and the balance satisfied, it continues to show late payment notations that are inaccurate.

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 2025-12-25 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 writing to dispute the reporting of late payments and delinquent status on my account. The information being reported is inaccurate because the payments were made in accordance with the agreed terms and should not be reported as late. I request that the reported late payment and delinquency be corrected to reflect Paid as Agreed and that all delinquency remarks be removed as part of your investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am submitting this complaint regarding Bank of Americas reporting of late payments and severe delinquency on my credit report. Before the account became delinquent, I notified Bank of America of documented medical hardship and loss of employment and requested assistance or alternative payment options. 

Bank of America failed to provide any reasonable hardship accommodation, payment modification, or loss-mitigation option and continued to report escalating late payments and account closure. This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ) ), which require accurate and complete reporting.

After dispute, Bank of America failed to demonstrate a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). Continuing to report negative information without offering hardship options constitutes an unfair servicing
practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ). 

I request CFPB intervention to require Bank of America to investigate and remove any late payments, closed-account notations, or negative reporting that can not be fully verified or was reported without proper hardship consideration.

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am submitting this complaint to request assistance with an issue involving LVNV Funding LLC and their reporting of an alleged debt on my credit report. 
LVNV Funding LLC reported an account to the credit bureaus without providing adequate validation or clear documentation demonstrating the accuracy of the debt. I attempted to obtain clarification and verification of this account, but I did not receive information sufficient to confirm that the balance, ownership, or reporting of the account was accurate and complete. As a result, I have been unable to meaningfully resolve or dispute this matter. 
The continued reporting of this account has caused significant emotional distress. I have experienced ongoing anxiety, stress, and mental strain due to concerns about my financial standing and creditworthiness. This situation has disrupted my sleep, affected my concentration, and created constant worry about potential consequences such as difficulty securing housing, credit, or other essential financial opportunities. The emotional burden of dealing with an unresolved and unclear debt has been overwhelming and has negatively impacted my overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
Im in process in assuming loan from my late mothers estate and was on a trial payment plan at same time so everything would be done at same time .During the beginning of process the special loans department and loss mitigation would always keep each other updated on my paperwork and progress being made with my loan. I called yesterday XXXX to check update on modification updates ; just to be informed that I was taken out of program because they wasnt updated on my XXXX form being received on XXXX ; I have documentation proving it was received with confirmation from special loans department ; the loss mitigation sent letter on XXXX stating they were waiting on conformation from special loans department that XXXX  was sent in. I got that letter literally the next day XXXX after I got confirmation of them receiving XXXX ; the day before letter was sent & Apparently they never sent update to loss mitigation department ; I even called on XXXX to loss mitigation department that I sent it XXXX and received confirmation ; the young lady on phone checked notes and said she didnt see update even though I told her. I even have screenshot of that day I called and informed her of update ; and because of the departments not keeping each other updated even though I did ; I was taken out of loss mitigation ; I was paying my payments every month and turning my paperwork in on time as always. As of now with assuming the loan/mortgage ; I was approved by special loans department for assuming the mortgage/loan and now am waiting on closing documents to sign. I will attach all pictures/documents to support my claim. I did my part and turned my paperwork in on time and always kept departments up to date with everything that needed to be done on my end ; I was taken out of program because of the companies mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I booked airline tickets through a third-party travel agency ( XXXX ) using my American Express card . When I later contacted the merchant to change my travel dates, I was told I would only need to pay the fare difference. The merchant provided an exchange quote showing {$200.00} as a fare difference, with no disclosure that this amount was a non-refundable processing fee. 

After the airline canceled the flight and issued a full refund, the merchant withheld {$200.00}, later claiming it was a non-refundable processing fee. American Express sided with the merchant based on generic booking terms from the original purchase, even though there is no evidence that this fee was disclosed or agreed to at the time of the date-change request. 

I relied on the merchants representation that the {$200.00} was a fare difference. The fee was mischaracterized only after the fact. I believe this constitutes a deceptive billing practice, and I am requesting that American Express reverse the {$200.00} charge or issue a goodwill credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I looked at my phone and noticed I had received 11 emails from chase Bank regarding my account being disconnected for potential fraudulent activity. My app was locked so I could not see anything. This is on XXXX XXXX!!! 

I called and they said they can not do anything and that all of my money in the account that may have been there will be mailed to me. I have bills set to be paid which are now unable to be. I have money scheduled to be sent to this account which now can not be. And I cant access anything for two days because its XXXX. They cant tell me why or anything at all because I have to speak with a branch manager. So they can close my account for no reason and not even have to tell me why? Its XXXX. This is a joint account with my wife and she is unable to access as well and she also has an individual account that she can not access either! 

They just did the same to my son two days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

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 2025-12-25 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: AR

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My 2 bank accounts af chase bank were freeze and then closed. The explanation was potential fraud about XXXX XXXX XXXX. They holding my funds and will not returned as promised via check 10 days after closing the accounts. The explanation was that they need find out if source of money is legit. It include checks and XXXX deposits. As of today no one at Chase will explain or give any reasonable answer when the funds will ge release Similar situation XXXX bank checking account freeze then closed over XXXX hold on account and no one will tell me when they will finish their investigation or release the money,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The credit company was informed on XX/XX/year>, that this account was compromised and involved in identity theft. The account was reported as part of an identity theft investigation and reported to the Federal Trade Commission on XX/XX/year>. The creditor company failed to comply with the request.

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