vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I filed a claim with MoneyLion back in late XXXX XXXX. I had issues with receiving my refund to my account. I contacted MoneyLion regarding this issue. I had paid XXXX a total of XXXX dollars and I have never received my purchase. The order was cancelled immediately after I placed an order so I received an email saying that they will be issuing me a refund. I submitted emails, pictures of my transactions through money lion and they denied my claim even though my refund have never been received. I had all of the evidence to support my claims and they never took my claim seriously. Today they went into my account and took my only check that I received this month and have left me without any resources. Im currently unemployed. Also they went into my account while my card was locked it is XXXX XXXX XXXX. I dont have no resources. I dont know how they were able to go into my account when I have only my card on file for them to access

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number XXXX Dear Sir or Madam, I am writing in response to a notice I received regarding the above-referenced account, which you indicate is a debt owed by me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I respectfully request that you provide me with debt validation. 

Please provide the following information to validate this debt : 1. The amount of the debt claimed, including any interest, fees, or other charges.

2. The name of the original creditor, if different from SELF/ATLANTIC CAPITAL .

3. A copy of the original agreement or contract that shows I am responsible for this debt.

4. Documentation proving the chain of ownership or assignment of this debt to your company.

5. A clear explanation of my rights to dispute this debt and the process for doing so. 

As the account status is listed as closed with a balance of {$720.00}, and the last activity was on XX/XX/XXXX, I kindly request that you cease all collection efforts until this validation is provided. 

Please be aware that until you provide the requested validation, you must not report this debt to any credit reporting agencies as per the FDCPA guidelines. 

Thank you for your cooperation. I look forward to your prompt response within XXXX days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
MONTHS AGO AS I WAS APPLYING FOR A CREDIT CARD I FOUND OUT I HAD A LOCK ON MY CREDIT FROM A COMPANY I HAD NEVER HEARD OF, XXXX. I CALLED THE NUMBER AS INSTRUCTED ALL ALONG WONDERING WHY THIS IS SO HARD WHEN EXPERIAN IS SO EASY. I SPOKE TO A REPRESENTATIVE AND GOT IRRATATED AGAIN WHEN HE TOLD ME THE HOOPS I HAD TO GO THRU TO GET THIS LOCK OFF MY FILE FROM A COMPANY I HAD NEVER HEARD OF UNTIL THAT DAY. AL YOU CAN SEE FROM MY ATTACHMENTS I AM A XXXX XXXX XXXX VETERAN. I GOT THE PACKET TOGETHER AND APINFULLY MAILED AT THE LOCAL POST OFFICE. TODAY MONTHS LATER I AGAIN APPLY FOR THE SAME CREDIT CARD. UNLOCK XXXX, EASY, UNLOCK EXPERIAN, EASY, AND THE SAME XXXX  PEOPLE, CLARITY, HAVE MY XXXX FILE LOCKED!!! I AM XXXX OFF!!!!!!

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 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am writing to formally request escalation of my open dispute regarding a payment I sent as a partial apartment deposit that was never fulfilled. 
Summary of the situation : On XX/XX/XXXX I sent a XXXX payment of $ [ XXXX ] to [ XXXX XXXX, which is supposed to be the owner of the apartments name not the receiver ] as a partial deposit to hold an apartment. I never saw the apartment in person, never took possession, never moved in. 
After deciding not to proceed, I contacted the recipient multiple times requesting my deposit back. After several attempts, she confirmed by phone that she would refund the money through XXXX  however no refund has been issued. I have screenshots I sent to XXXX  dispute case of the woman and I conversation who is selling property on behalf of XXXX XXXX owner/realtor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date of screenshots and conversations were XX/XX/XXXX it started and the XXXX XXXX. 
I opened a formal dispute with XXXX  on [ XX/XX/XXXX ], and it has now been 10 days with no update. This is a significant amount of money for me and the lack of communication has been extremely distressing. 
I am requesting that this dispute be immediately escalated for review under XXXX protection policies, as this transaction represents an unfulfilled agreement and potential fraudulent activity. 
I can provide call logs, screenshots of messages, and all supporting documentation upon request. 
Please advise me of the status of this dispute and the expected resolution timeline as soon as possible. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . ( Chase ) What happened : On XX/XX/year>, counterfeit/duplicate checks posted against our Chase checking account. We wrote one legitimate check for {$200.00}, but two separate counterfeit checks posted for {$600.00} each ( total {$1200.00} ). These items were not authorized by us. 

The day before the {$600.00} checks posted ( XX/XX/year> ), there was a separate counterfeit check attempt for {$2000.00}. We contacted Chases fraud/claims department immediately. The agent told us it was only an algorithm/system error and reversed it as a glitch rather than treating it as check fraud. Because it was misclassified and not investigated or contained ( e.g., no check block/ no urgent account protection ), the criminals were able to try again and two counterfeit {$600.00} checks posted the next day.

Compounding this : our Chase debit card states call for XXXX assistance, but when we attempted to call during the overnight period to prevent posting, the phone lines were closed. We also used the Chase chatbot, which directed us to call multiple numbers presented as XXXX assistance ; those numbers were also closed. This prevented us from giving Chase a timely heads-up before the fraudulent items posted and caused additional harm. 

Actions taken / Chase response : We spoke with an in-branch banker, three phone agents, and finally a supervisor.

The branch helped open a new account and file disputes, but Chase stated it would take XXXX hours for XXXX item and XXXX business days for another to reverse, leaving us without funds around a major holiday. 

We requested immediate provisional credit because these are unauthorized counterfeit items. The supervisor refused, stating Chase does not provide provisional credit for check fraud. 

We also requested documentation needed for law enforcement ( copies/images of the checks front/back, claim/case documentation, and deposit/processing details ). Chase refused to provide meaningful assistance for a police report beyond generic statements. 

Resolution requested : Immediate provisional/temporary credit ( or immediate restoration of available funds ) for the full {$1200.00} while Chase investigates ; Written documentation of the fraud claims and copies/images of the counterfeit checks ( front/back ) plus deposit/processing details sufficient for a police report ; Reversal of any fees or negative impacts caused by these unauthorized items ; Correction of misleading XXXX assistance representations and routing so consumers can actually report fraud after hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> around XXXX XXXX I parked my car on XXXX and XXXX in XXXX XXXX, being that I'm transient and don't have anywhere to sleep I stay in my car but on the weekends I go to my cousin 's and spend the night so I can shower. Well that Thursday I left my car on XXXX XXXX and when I came back Friday morning it was a complete mess my phone was missing along w some paperwork later that day I had to get a new phone which I did and I noticed practically all of my money was gone {$1000.00}! They had stolen all of my money on various online gambling casino websites and some XXXX purchases.... I am forwarding this police report to my bank account investigations dep so that I can get my money back since the denied me once already That was the statement from police report. 

Since dispute was filed chime had denied me about 4 times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Subject : Complaint Regarding Misleading Lease-to-Own Terms and Late Fee Issues To Whom It May Concern : I am filing a complaint against Acima regarding their lease-to-own program. I have several issues I want to address : Misleading Information Regarding Tires : I purchased a product for my husband, and I was not informed that the tires were on a lease-to-own plan. 
I believed I was buying the tires outright, not renting them. 
I am concerned that normal wear and tear or any damage could result in additional charges. 
Excessive and Confusing Late Fees : On XX/XX/XXXX, I changed my payment method and they didn't update that to be my primary one and I was charged a late fee on XX/XX/XXXX when my first payment was processed late because I updated my payment method from a XXXX  XXXX XXXX card to a XXXX  card, and Acima did not update it properly. 
As a result, they kept charging the old card, which had no funds, and the payment took four days to process. 
Customer service admitted there was an issue but said they could not fully remove the late fee. They only reduced it by half, even though this was partly their error. 
Later, on XX/XX/XXXX, I was charged {$200.00} for a payment that was only 2 days late, even though my contract states late fees apply after 7 days. Customer service blamed the automatic payment system and refused further adjustment. 
Lack of Payment Confirmation : I never received an email confirmation for my payments, which caused confusion and concern. I kept receiving emails from them for late payment even though I already made the payment the day before. 
Attempts to Resolve : I have contacted Acima multiple times via phone and chat to resolve these issues, but they refused to provide a resolution and blamed their system for the charges. 
I am requesting that your office investigate this matter, including : Refund or adjustment of late fees charged incorrectly or unfairly. 
Clarification and transparency regarding the lease-to-own terms for tires. 
Improvement in payment confirmation and customer service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate Deletion of these accounts. My information was compromised in a data breech and no way these accounts should come back verified. failure to remove will result in legal actions

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 2025-12-24 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: IA

Complaint narrative:
Dispute of Unauthorized Collection, I received a copy of my credit report and found the following items to be errors. The items in question are listed below : - XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Current Balance : {$610.00} Date Account : XX/XX/year> Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
Upon me reviewing my credit reports I noticed accounts opened in my name without my 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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received 2 letters stating the dispute was completed. But they still won't let me access the funds.. 
I lost my truck because the bank has held my money hostage..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I get loads of emails from Aidvantage about a student loan debt they say they need me to pay to them. I don't even know when Aidvantage got my information. I want to know if they are legitimate, so l 've been trying to get their email in order to contact them about emailing me the information I need. 

I have looked all over the small part of their website that I can even access and there is no email info, including under the " Email '' section of their " contact us '' page. Everything you click to get to an email to contact them funnels you into a page that makes you create an account. I don't want to make an account with a company I don't know using my personal information. I just want to email them like they email me. It feels very intrusive how they have my information somehow, but I have to give them more information to maybe be allowed to reply or ask a question via email. 

I could only access an unhelpful chatbot that did not give me an email when I asked it, only another link to log in. I asked the chatbot if I could get a Debt Validation Notice, and it gave me unrelated information, gave me a link to a student loan forgiveness site that I did not ask for, and in general the chatbot did not answer any of my questions or provide any real help. I have no way to contact this company ( Aidvantage ) who claims I have to pay them money for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WESTERN ALLIANCE BANCORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I paid off my Mortgage with XXXX. I called to confirm that my payoff amount had been received and was advised it had been and that I had a escrow refund due to me in the amount of {$3300.00}. I advised the representative that my address was incorrect and that it needed to be updated. She assured me that since we had updated it that day, my check would be sent out to the proper address. I asked her if we could stop payment on that check and reissue another but she again assured me we did not need to and I should get the check within XXXX business days. I waited about a month before calling back to advise that my check was not received. I was not only told that it was sent but I was also told it was cashed. I asked what address was the check sent to and the representative confirmed that it was indeed the address that I had previously told them was incorrect. I was told they would do some research and upon further review they discovered the check was cashed but not endorsed. Since then i have sent numerous affidavits per their request to have the check reissued. Since XXXX I have call several time and gotten the run around included twice was told the check was reissued. Each time I call someone tells me I will receive a call back and I do not. I am being told the same thing every time that my case is still open. I have spoken to representatives on the following dates : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. Each time I'm suppose to receive an update in XXXX days and I get no call or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian provides no means to delete one 's account or even close the account without deleting any information. The only reply I get from their chatbot is " Experian does not provide a direct option to close your online account entirely. However, you can stop receiving emails and manage your membership preferences. If you have a paid membership, you can cancel or downgrade to a free plan. For free accounts, you can manage your email preferences to stop communications. 

If youre looking for a specific way to delete your account entirely, I dont have that information available. You may need to contact Experians automated support line at XXXX for further assistance. Please note that this line is fully automated. Let me know if you need help with anything else! '' There is no means to completely halt communications with this entity.

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