vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: IL

Complaint narrative:
My student loan account was moved from XXXX to CRI. I was notified of the CRI account via email, entailing my account number, and information that XXXX is no longer holding my debt on XX/XX/year>. There were 2 balances total. On XX/XX/year> I was deemed delinquent and 90 days late on paying these balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am going to complain about chase BANK!!! On XXXX XX/XX/year>, someone replaced my bank card. When it was sent, there was no notification at all that the stolen card was activated on XXXX XX/XX/year>, nor was there any notification for activation. Even after I changed the address, it was only XXXX days later that they were notified. XXXX I ask if their bank has no responsibility at all? At around XXXX XXXX. on XX/XX/year>, at XXXX XXXX, XXXX, XXXX, XXXX, XXXX sums of cash were stolen, XXXX was {$480.00} XXXX was $ XXXX I wasn't informed until after XXXX XXXX. on the same day.I had {$1500.00} in cash withdrawn at the counter without any notice. They even refused to compensate me on the grounds that I could entrust a friend. So, I would like to ask, can't I withdraw money at the counter myself? Why didn't I verify my ID? I seriously suspect that they are doing an internal crime. I haven't even used a password anywhere. The only time was when I just applied for a card and the staff asked for it When communicating with the claims department, I didn't report the loss and kept emphasizing that I didn't apply for the stolen card and didn't receive it. It was the stolen card that took away the cash. Do they not have to bear any responsibility at all After being refused compensation, I explained the situation. They still did nothing. At the time of the theft, I was quite sure I wasn't in XXXX XXXX, but in XXXX XXXX for over XXXX XXXX. I asked them if they didn't need to be responsible for anything. So, can anyone who is not the person themselves withdraw the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I took out a loan with Exeter finance on XX/XX/XXXX for {$17000.00} at 25.5 % interest for 71 months. Which interest cost was {$17000.00} for total amount of {$34000.00} I put XXXX down and should have made total XXXX insteadd they added it and made total amount {$35000.00} 8 payments were moved to end of loan and when those payments were moved I was never told that it would cost me thousands of dollars more to do that. They just made it out like they were moved I still paid the interest due during that time. Plus paid late fees. Now loan has matured after 81 months which includes the 8 moved payments and Im being told I still owe {$8400.00} on this. Total interest for life of loan was suppose to be {$17000.00} I have paid {$26000.00} just in interest. {$9400.00} more. {$530.00} in late fees and {$280.00} in other fees that they cant even tell me what those are. {$34000.00} is what contract says my total amount would be I have paid {$35000.00} as of XX/XX/XXXX and they state I still owe {$8400.00} on this. I have never received anything from company until XX/XX/XXXX from Exeter, no statements no explanation of additional fees or explanation of how moving 8 payments would cost me an additional {$9400.00} in interest. Company provided no help or real insight on this when I some with them XX/XX/XXXX. This cant possibly be correct or legal for them to be doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-10 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-10 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

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 2025-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XX/XX/year> XXXX  restricted access to my account without any explanation prior to the restriction I deposited XXXX in my XXXX cash account to purchase stock and XXXX after this restriction I attempted to transfer the funds back into my bank account but XXXX prevented me from transferring or withdrawing despite multiple attempts to contact XXXX  Support I received to response or clarification. My funds are effectively frozen and XXXX states they are closing the account but havent returned my funds, this has caused a serious financial hardship. XXXX asking for support to retrieve my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Re : Complain ID XXXX This message is in response to XXXX request for additional documentation to verify my identity and address in connection with my dispute of the XXXX XXXX XXXX account ( opened XX/XX/XXXX, balance {$7800.00} ). 
Although my original submission already included sufficient identifying information, I am providing the following in good faith to remove any excuse for delay or inaction : A scanned copy of my Social Security card A scanned copy of my Driver 's License showing my current mailing address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX These documents verify both my identity and my address, and I am now demanding that Equifax proceed immediately with a full reinvestigation pursuant to FCRA 1681i.

In addition, please be advised of the following : The account appears to have been illegally re-aged, with the delinquency status reported as of XX/XX/XXXX, even though the original date of first delinquency is in XXXX, violating FCRA 605 ( c ). 

Equifax has not provided the Method of Verification ( MOV ) as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to complete a proper reinvestigation, after receiving this documentation, will constitute a willful violation of the Fair Credit Reporting Act under FCRA 1681n, exposing Equifax to statutory and actual damages.

I request that Equifax : Complete a reinvestigation of this account within 30 calendar days.

Provide the name and contact information of the party who verified the account. 

Delete the account if verification can not be lawfully completed. 

Provide a written update with the results of the reinvestigation and an explanation of the process used. 

If no proper reinvestigation or response is received, I will proceed with additional CFPB filings and legal action as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or unveriflable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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. Please remove the following items from my credit report, immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or unveriflable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item 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. Please remove the following items from my credit report, immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

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 2025-05-09 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Formal Dispute Inaccurate Credit Reporting, Rescinded Contract, and Demand for Validation Under FCRA, IRS Regulations, and Metro 2 Standards Dear Ally Financial, I am writing to dispute the accuracy of the tradeline associated with my auto loan account. The account is currently reported as charged off with a past due balance of {$15000.00} and a payment pattern indicating XXXX. This reporting is inaccurate, misleading, and in violation of federal law and credit reporting standards. 
Key facts : The vehicle was voluntarily returned The dealership committed fraud and I formally rescinded the contract The account should reflect no late payments, and a charge-off can not legally coexist with a past due balance Under IRS Publication XXXX, once a debt is charged off and cancelled, a Form 1099-C must be issued, and the debt can not continue to be reported with a balance. Additionally, the following laws and guidelines apply : Violations of Federal Law : 15 U.S. Code 1681s2 ( FCRA ) Prohibits reporting inaccurate or unverifiable information Fair Debt Collection Practices Act ( FDCPA ) Prohibits deceptive practices and improper collection Truth in Lending Act ( TILA ) Requires full transparency on all loan terms and disclosures Metro 2 Compliance Violations : According to the Metro 2 Credit Reporting Resource Guide, the following errors exist in your reporting : A charged-off account must report a balance of {$0.00} if a 1099-C has been filed or the debt is no longer being collected The Payment Rating field can not indicate delinquencies ( XXXX ) if the Current Status is Charge-Off The account must not show both charged off and past due simultaneously this creates a double derogatory violation A rescinded contract legally voids the obligation and should be reported as Closed / Paid in Full / {$0.00} Balance / Never Late Therefore, I formally request : XXXX. A copy of Form 1099-C ( if applicable ) 2. An itemized ledger showing all debits, credits, fees, interest, and payments 3. A copy of the original retail installment contract 4. Documentation of the chain of title or assignment to prove your legal right to collect and report 5. A detailed explanation of the late payment coding and Metro 2 reporting choice 6. Proof that the rescission and return of the vehicle were not executed in compliance with applicable laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Subject : Formal Dispute Inaccurate Credit Reporting, Rescinded Contract, and Demand for Validation Under FCRA, IRS Regulations, and XXXX XXXX Standards Dear Ally Financial, I am writing to dispute the accuracy of the tradeline associated with my auto loan account. The account is currently reported as charged off with a past due balance of {$15000.00} and a payment pattern indicating XXXX. This reporting is inaccurate, misleading, and in violation of federal law and credit reporting standards. 
Key facts : The vehicle was voluntarily returned The dealership committed fraud and I formally rescinded the contract The account should reflect no late payments, and a charge-off can not legally coexist with a past due balance Under IRS Publication XXXX, once a debt is charged off and cancelled, a Form 1099-C must be issued, and the debt can not continue to be reported with a balance. Additionally, the following laws and guidelines apply : Violations of Federal Law : 15 U.S. Code 1681s2 ( FCRA ) Prohibits reporting inaccurate or unverifiable information Fair Debt Collection Practices Act ( FDCPA ) Prohibits deceptive practices and improper collection Truth in Lending Act ( TILA ) Requires full transparency on all loan terms and disclosures XXXX XXXX Compliance Violations : According to the XXXX XXXX Credit Reporting Resource Guide, the following errors exist in your reporting : A charged-off account must report a balance of {$0.00} if a 1099-C has been filed or the debt is no longer being collected The Payment Rating field can not indicate delinquencies ( XXXX ) if the Current Status is Charge-Off The account must not show both charged off and past due simultaneously this creates a double derogatory violation A rescinded contract legally voids the obligation and should be reported as Closed / Paid in Full / {$0.00} Balance / Never Late Therefore, I formally request : 1. A copy of Form 1099-C ( if applicable ) 2. An itemized ledger showing all debits, credits, fees, interest, and payments 3. A copy of the original retail installment contract 4. Documentation of the chain of title or assignment to prove your legal right to collect and report 5. A detailed explanation of the late payment coding and XXXX XXXX reporting choice XXXX. Proof that the rescission and return of the vehicle were not executed in compliance with applicable laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My parents had a CD at Marcus Bank. Both parents died after opening the CD. I attempted to close the CD in early-Mid XX/XX/year>. When I spoke to the Document Review Team at Marcus Bank I provided all my information, my parents information and their dates of death. Marcus Bank did not tell me I was a beneficiary on the account. Instead, they sent me paperwork which required me to enter probate. I spoke to an attorney and called Marcus Bank again. After several delays and transfers Marcus Bank admitted there are beneficiaries on the account so no probate was needed and that they would send me beneficiary paperwork. After a few weeks I got the paperwork, as did the other beneficiary ( my sister ). We each filled out the paperwork, had it notarized and sent it in ( in one envelope ) with my parent 's original death certificates. On XX/XX/XXXX I called Marcus Bank and inquired when I would receive the check for the money in the CD. I was told they did not " upload the information '' until XX/XX/XXXX even though they had received it weeks prior and that it would take " up to 30 days to receive the check. '' I called again today, XX/XX/year>, and was told that a supervisor had left me several voicemails regarding whether I received the original death certificates back in the mail and since I didn't respond that caused delay. I received no voicemails and told the representative so. Although I don't have dates for each time I have called Marcus Bank and been stonewalled, I can say it is no less than 6 or 8 times. Each time I am met with hostility and the representatives talk over me with scripted responses. It started with them falsely telling me the money had to go through probate and continues with them holding my money and creating false delays in sending me the check, despite my providing them with all the paperwork they demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EdFinancial Services
State: CT

Complaint narrative:
I am filing a complaint against Edfinancial Services for serious mismanagement of my federal student loan and failure to communicate important account changes. 

I was told that I would receive written details about a new payment arrangement of {$800.00} per month, which I never received. I also see on the XXXX website that I have been approved for Public Service Loan Forgiveness ( PSLF ). However, Edfinancial states they received no documentation, and when I contact Student Aid, they tell me that if payments are marked as qualified ( which they are ), then I need to work with Edfinancial directly. 

This has led to a cycle of blame-shifting and XXXX resolution. As a result, Edfinancial placed my loans into default and reported this status to credit bureaus. My credit score dropped by over XXXX points, despite the fact that Ive been trying in good faith to resolve this issue. 

I am requesting the following : Recognition and proper processing of my PSLF qualification. 

Confirmation and implementation of the $ XXXX payment arrangement after my PSLF payments have been properly applied. 

Immediate reversal of the default status and correction of credit reporting. 

This situation has caused major financial harm and emotional distress. I am requesting immediate CFPB assistance in resolving the matter. 
attached are screenshots from the XXXX website that show XXXX payments qualified for PSLF forgiveness. These were not applied to my loan with EDfinancial.

Company response to consumer: Closed with explanation