vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: VA

Complaint narrative:
XXXX XXXX XXXX paid personal property taxes on my vehicle when no actual personal property taxes were due. I contacted them prior to them making the payment and informed them of this. They still made the payment to XXXX XXXX and an even after I furnished them with the proof from the county that no tax was due. They are still reporting my account as delinquent. Additionally, they used my monthly payment that is auto pay towards the taxes. This has now been going on for 85 days with no correction it has led to a dramatic drop in my credit score and has also caused numerous other credit accounts to reduce my credit limits.

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 2025-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Subject : Complaint Regarding Student Loan I am submitting this complaint regarding the servicing of my federal student loans and what I believe to be improper handling of my forbearance and default status. 

My loans were placed into forbearance beginning on or about XX/XX/XXXX. My online account later reflected that repayment resumed on XX/XX/XXXX. On XX/XX/XXXX, my loans were placed into default. 

I was never notified that my forbearance had ended, that repayment had resumed, or that payments were due. I also did not receive delinquency notices or pre-default warnings prior to the default being reported. 

To date, I have not been provided documentation showing : The type and approved duration of the forbearance, Notice that the forbearance ended, Notice that repayment resumed, Proof that billing statements or delinquency notices were sent, Proof of delivery of any required notices.

Ending a forbearance after approximately four months without notice, followed by default placement, is inconsistent with reasonable borrower expectations and federal servicing standards.

I am requesting that the servicer and/or the Department of Education : Produce all records related to my forbearance, repayment resumption, and default, Provide proof of notice and delivery for all required communications, Review whether my default was placed in error due to lack of notice, Correct any servicing errors and related reporting.

I am not disputing that the loans exist. I am disputing the procedural handling of my account and the lack of required notice before repayment and default. 

Thank you for your assistance in reviewing this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Company : Goldman Sachs Bank USA ( Apple Card ) Product : Credit card Issue : Unauthorized charges/ billing dispute I am experiencing an unauthorized recurring charge through Apple Pay from a merchant that is preventing cancellation. 

I contacted Apple Card ( Goldman Sachs ) chat support multiple times. I changed my XXXX ID password, signed out of all devices, and replaced my card number, but the charge persisted. Chat support stated they could not revoke the merchant or block the charge and directed me to Apple, while Apple directed me back to the issuing bank. 

I am reporting this as fraud and am requesting permanent blocking of this merchant and resolution of unauthorized recurring charges. The issue could not be resolved through chat support. 

I reached out XX/XX/year>XXXX  & they told me to change the digital card number and cancel the current card number. 

On XX/XX/year>, I woke up to yet another charge. Reached out to support again where they told me that it is not a bank issue, but an apple issue. Nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MS

Complaint narrative:
On XX/XX/XXXX  somehow someone accessed my Chime Mobile Banking app and used their XXXX XXXX feature to transfer all of my money {$88.00} to another account. As soon as I noticed I called customer service to dispute this. I answered all questions they had regarding the issue and after almost a week I was informed my dispute was declined. I called back immediately to ask why and the told me it was for lack of documentation on my end. They reopened the dispute and I submitted all the documentation I had for them. A few days later I was declined again. This time, they wanted a police report which I went and filed. They reopened my dispute and it was declined again. Then I submitted a complaint to the FTC and was again denied. I wrote a letter to the investigation team as there is not a way to speak with them directly and was still declined. I called again and asked if it was at all possible and was told no. They only communicate via email and wont actually have a conversation with me. All they will send me is the documentation they used to make their determination which includes but is not limited to, a photo of the police report, photos of the camera at my place of work showing what I was doing at the time of the unauthorized transfer, my timesheet from the day of the incident, my complaint number from the FTC, the letter I wrote to them, the device information from the unauthorized access I received via email ( I never share passwords or personal information. Im still unsure how they accessed my account and chime claims they have no access to the authentication method that was used for the login ) and my current device. Not including the original dispute, I have been declined 8 separate times and told the investigation team found that no error occurred. I work hard for my money and submitted undeniable proof that I did not send that money nor did I authorize the transfer. I need as much help as I can get to get my money back. Ive been a loyal customer for 5 years and have never had an issue until now and I feel I am not being taken seriously by the customer service team. The money about may seem small to anyone else but after doing the math it equates to XXXX of my weekly paychecks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: WV

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting 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 explanation
Consumer complaint received 2025-12-26 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 is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-26 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-12-26 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am writing to formally dispute the late fees and alleged balance of {$5200.00} currently being charged on my mortgage loan. This letter serves as a Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ). 

When XXXX XXXX was the mortgage servicer, my payments were made automatically through my bank on the XXXX of every month. Without my knowledge, the payment address was changed. As a result, payments continued to be sent to the prior address. 

While I was in the process of recovering the misdirected payments, Specilizing loan servicing was transferred to another company, and later transferred again to Shellpoint. Each time servicing changed, I restarted negotiations and provided explanations, but I did not receive timely responses. 

Despite acknowledging that additional time was needed to investigate this issue, Shellpoint has continued to assess late fees and now claims that I owe {$5200.00}. These charges are the direct result of servicing errors and payment processing issues beyond my control.

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 2025-12-26 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-12-26 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: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
I am filing a complaint because MicroBilt XXXX placed a hard inquiry on my credit report on XX/XX/year>, even though I never applied for credit with MicroBilt, never authorized a credit check, and did not have any business relationship with them. 

MicroBilt is a collection data reseller, not a lender, and therefore does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to obtain my consumer credit file for a XXXX  inquiry. 

XXXX. No Authorization Was Provided I did NOT : Apply for credit Request financing Sign a credit application Provide written authorization Consent electronically or verbally Under FCRA 604 ( a ), a consumer credit report may only be accessed with : my written permission, OR a legitimate credit application MicroBilt had neither. 

This inquiry is unauthorized and violates : FCRA 604 ( a ) ( 3 ) permissible purposes FCRA 607 failure to maintain reasonable procedures FCRA 616 & 617 civil liability for negligent or willful violations XXXX. MicroBilt Is a XXXX XXXX, Not a XXXX MicroBilt does not issue credit. 
It provides background and skip-trace data to collection companies, not lenders. 

Collection agencies can not run a XXXX  inquiry. 

If a collection agency used MicroBilt to pull my credit file : This is a misuse of a consumer report in violation of : FCRA 604 ( f ) can not obtain a report without permissible purpose CFPB & FTC guidance on collection access XXXX  inquiries are only allowed for credit applications, not collections. 

XXXX. A XXXX  Inquiry Is the Most Invasive Form of Credit Access XXXX  inquiries : lower credit scores signal a credit-seeking event that never occurred harm consumers financially MicroBilt had no legitimate reason to create this credit damage. 

XXXX. No Adverse Action Notice Was Provided Under the FCRA and XXXX, if a consumer report is used for : collections underwriting employment insurance A notice is required. 

I received no notice, further showing the inquiry was unauthorized. 

XXXX. Consumer Harm This unauthorized inquiry : lowered my XXXX XXXX suggested I applied for credit when I did not impacted my creditworthiness created a misleading credit history violated my rights under XXXX  law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an i
tem of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-26 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: CA

Complaint narrative:
T

he 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 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 2025-12-26 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:
THIS PAYMENT WAS MADE ON TIME AND IS REPORTED INCORRECTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Please review the attached materials ; these questions arrived unexpectedly and may not be authorized.

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 2025-12-26 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: FL

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 2025-12-26 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
ON XX/XX/XXXX, PAYPAL DEACTIVATED MY ACCOUNT CLAIMING ME AS A FRAUD. I SENT THEM FOUR DIFFERENT TYPES OF PROOF TO SHOW IT WAS MY OWN MONEY THAT I RECEIVED FROM AN XXXX COMPANY. THEY DID NOT CARE AND I CAN NOT TAKE THE MONEY OUT OF MY ACCOUNT. THEY TOLD ME I HAVE TO WAIT UNTIL XX/XX/XXXXXXXX  TO GET MY OWN MONEY BACK CLAIMING THEY NEED IT JUST IN CASE OF FEES. THEY ARE THE ONLY REAL FRAUDULENT PEOPLE/COMPANY. I TOLD THEM I WOULD TAKE LEGAL ACTION AND THAT IS EXACTLY WHAT IM DOING. I NEVER USE PAYPAL BECAUSE I NEVER HAD A REASON TO. NOW I WILL NEVER USE AGAIN.

Company response to consumer: Closed with explanation