vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I am filing a complaint against Mariner Finance for deceptive and unlawful accounting practices related to an XX/XX/2024 judgment and a subsequent wage garnishment. 

Summary of alleged violations : Mariners online account ledger continues to list the loan as Active and offers an online payoff amount ( {$5300.00} ), despite a civil judgment obtained XX/XX/2024. 
Payments applied after the judgment date were posted 100 % to interest, with no reduction in principal ( {$4000.00} ), indicating continued application of contract APR post-judgment. 
The garnishment summons delivered to my employer and the court shows inconsistent balances ( garnishment : {$6600.00} ; attorney site : {$5900.00} ), demonstrating inaccurate and conflicting accounting. 
The creditors practice appears to double-count interest or otherwise inflate the amount due, potentially violating statutory and regulatory standards governing consumer lending and post-judgment collections. 


Mariner Finance is also subject to a multi- state lawsuit for deceptive practices. Please let me know if anything additional is required to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DE

Complaint narrative:
I woke up on XXXX XXXX and realized my direct deposit had not hit my account. I checked my account and noticed unauthorized cash advances through the my pay feature and pay anyone function. {$52.00} from my pay advance and 15 transaction from pay anyone feature. The charges were declined 3 times one to XXXX XXXX apparently in XXXX  failed and 2 for XXXX XXXX in XXXX XXXX and XXXX XXXX in XXXX keep in mind I did not leave XXXX Then from XXXX XXXX XXXX  transactions went through ranging from $ XXXX increments went through to XXXX XXXX who accessed my pay advance and removed {$52.00}. Once I realized I called chime at approximately XXXX XXXX  and advised them of the problem. I advised them of my last transactions whoc occured at Abt XXXXXXXX XXXX  and told them I had been hacked. And completely complied with everthing needed apke to their fraud department and was cooperative with their procedure I pointed out how as the consumer they allowed these transactions to go through without even alerting me and now I receive an email atatin my claim is denied. clearly it is no way I can be in XXXX states in such a short time frame I don't know these people and advised a police report can be furnished and I had to pick it up. This is a major inconvenience I advised needed to travel and alerted them I will be in XXXX XXXX XXXX  however the decline is a disadvantage as I have bills to pay and I was transparent letting them know the time I used this feature was yr ago this is inconvenient and unfair. I need my money pls help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
CELTIC BANK/ CONTFINCO INCOMPLETE ACCOUNT NUMBER SO I CAN NOT VERIFY THIS MY ACCOUNT. 

BLANK SPACES ON THE CREDIT REPORT THAT SHOW NOTHING SUCH AS BALANCE OR PAYMENTS. 
Payment history inaccurate how can I have late payments XXXX days late for XXXX months straight and then some months no information. This is inaccurate and need it immediately removed from 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 2025-11-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was double charged by a hotel on my Wells Fargo XXXX XXXX cc I provided all receipts showing the double charge and dispute was not resolved.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: GA

Complaint narrative:
I have called the company let them know this is not my debt I have disputed the debt and asked for validation of debt no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica
State: TX

Complaint narrative:
I have my SSI payment deposited to XXXX XXXX XXXX  account. They keep locking my account 6 times in one month. Every time before payment. Requesting me to verify my identity 6 times on XXXX. they send agents send me purposely to the wrong techaclal agent to fix my issues then lock my account every time. Refuses to verify my card for XXXX wallet. Tells me they'll call me back to fix the issue and never do then send a letter saying they locked my account for the XXXX time in one month. When I ask for them to write a ticket to report their agents, they don't and always give me the wrong info to fix my issues. XXXX XXXX is not complying to the laws and makes fun of me when I tell them I'm reporting them or suing them for their illegal negotiations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
XXXX or XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX, Arkansas, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Formal Complaint Unlawful Wage Garnishment by Cavalry SPV I LLC/XXXX XXXX XXXX XXXX To Whom It May Concern : I am submitting this complaint to request the CFPB 's investigation into an unlawful or improperly initiated wage garnishment carried out by Cavalry SPV I LLCXXXX XXXX XXXX XXXX . I did not receive proper notice, validation of the debt, or the required Arkansas statutory documents prior to wage seizure. I believe the collector violated Arkansas Code Ann. 16-110-401 et seq., the Fair Debt Collection Practices Act, and federal due process. 
Cavalry SPV I LLC/XXXX XXXX XXXX XXXX Garnish my wife entire check of {$1300.00} on XX/XX/2025. I have other payments as well to show I was making timely payments. I can be reached at XXXX or by email at XXXX. 
XXXX XXXX is the credit card debt holder and per their Arbitration Agreement policy. The debtor needs to go through Arbitration to settle this debt. 
I request that the CFPB investigate, suspend the garnishment, and require full documentation of any alleged judgment. Supporting documents are attached. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: VA

Complaint narrative:
Blackwell recovery put a debt on my account for {$900.00} that Im not liable for they refused to send me a validation that I requested from Blackwell recovery and XXXX XXXX I have went through all the protocols to try to fix this situation and they keep saying verified without sending me the reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was issued a u.s bank relic card for XXXX  XXXX unemployment, I was told that XXXX  atm, among others would not charge me a fee its free, so I useded their website amd went to a XXXX drug store to use the machine XXXX, I could only remove XXXX at a XXXX limit, so I took out XXXX withdraws of XXXX, charged me XXXX dollars for all XXXX, its XXXX to be free I called them 3 times explained, they gave a XXXX back on the XXXX, XXXX missing XXXX dollars still from the withdrawals, I have the receipts from the withdrawal, also told us bank wouldn't charge me for tsking from. XXXX amd I was charged XXXX my balance was XXXX originally I withdrew XXXX, first day, and another XXXX a next day my balance is 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 monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX SSN : XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Re : Formal Dispute of Collection Account Resulting from a Data Breach Under 15 U.S.C. 1681i, 1681s-2 ( FCRA ) and 15 U.S.C. 1692e, 1692f, 1692g ( FDCPA ) To Whom It May Concern : I am formally disputing the collection account that appears on my credit file. This account is the result of a data breach, and therefore the reporting is inaccurate, unverified, and invalid.

Account Name : Collection from Data Breach Account Number : ( Dept of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Contract, Original, Signature, Copy Security Social, and Authorization 1. This debt resulted from a data breach and is fraudulent or unauthorized.

Under the FCRA, you may not report any information unless it is accurate and verifiable.

Since this account was caused by a breach, it is not legally attributable to me, and the furnisher can not provide proper validation.

2. FCRA 15 U.S.C. 1681i requires a reasonable reinvestigation Because I dispute these items, you must reinvestigate within 30 days.

If the furnisher can not prove : The account belongs to me I legally authorized the charges My personal info was not compromised It must be deleted.

3. FCRA 15 U.S.C. 1681s-2 requires accurate and verified reporting The furnisher is prohibited from reporting : Fraudulent information Unverified information Incomplete or incorrect data If the debt came from a data breach, the furnisher can not verify lawful ownership.

4. FDCPA 15 U.S.C. 1692g Lack of proper debt validation If this debt is held by a collection agency, they must provide proper validation.

Anything resulting from a data breach can not be validated and violates federal law.

5. FDCPA 15 U.S.C. 1692e & 1692f False and unfair reporting Reporting debt caused by a breach is : Deceptive Misleading Unfair My Request I am requesting the following action : Delete the collection account immediately because it is fraudulent or unauthorized due to a data breach and can not be legally validated.

Provide me with an updated copy of my credit report after the investigation is completed. 
I am keeping copies of all correspondence for my records. 
Thank you for your prompt attention to this matter. 
I expect full compliance within XXXX  days as mandated by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I purchased a points-based vacation club investment with access to XXXX XXXX XXXX and lifetime savings on XX/XX/XXXX through XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 

No deed or ownership was delivered. The servicer ( Concord ) reports this as a real estate loan, harming my credit. 

I have not received any billing statements since XX/XX/XXXX and have had no access to balance or payoff details despite ongoing automatic withdrawals. 

The seller provided me a flash drive containing another consumers promissory note, certificate of title, account identifiers, and personal data. This has exposed multiple parties to identity theft risk. 

I rescinded the contract by certified mail on XX/XX/XXXX. The company has refused cancellation. 

Requested : Full cancellation Refund of all payments Deletion of XXXX tradeline Full account and servicing review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 2025-11-30 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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
EASTERN ACCOUNT SYSTEM, INC. 
Last reported XX/XX/year> {$230.00} Open balance EASTERN ACCOUNT SYSTEM, INC. 
Original creditor XXXX Opened Account status Type Responsibility XX/XX/year> ( XXXX mos ) Open - Individual Remarks Original creditor name Placed for collection Account information disputed by consumer Account information disputed by consumer EASTERN ACCOUNT SYSTEM, INC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX SSN : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Re : Formal Dispute of Collection Account Resulting from a Data Breach Under 15 U.S.C. 1681i, 1681s-2 ( FCRA ) and 15 U.S.C. 1692e, 1692f, 1692g ( FDCPA ) To Whom It May Concern : I am formally disputing the collection account that appears on my credit file. This account is the result of a data breach, and therefore the reporting is inaccurate, unverified, and invalid. 
Account Name : Collection from Data Breach Account Number : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  ) Original Contract, Original, Signature, Copy Security Social, and Authorization 1. This debt resulted from a data breach and is fraudulent or unauthorized.

Under the FCRA, you may not report any information unless it is accurate and verifiable. 
Since this account was caused by a breach, it is not legally attributable to me, and the furnisher can not provide proper validation.

2. FCRA 15 U.S.C. 1681i requires a reasonable reinvestigation Because I dispute these items, you must reinvestigate within 30 days.

If the furnisher can not prove : The account belongs to me I legally authorized the charges My personal info was not compromised It must be deleted.

3. FCRA 15 U.S.C. 1681s-2 requires accurate and verified reporting The furnisher is prohibited from reporting : Fraudulent information Unverified information Incomplete or incorrect data If the debt came from a data breach, the furnisher can not verify lawful ownership. 
4. FDCPA 15 U.S.C. 1692g Lack of proper debt validation If this debt is held by a collection agency, they must provide proper validation. 
Anything resulting from a data breach can not be validated and violates federal law. 
5. FDCPA 15 U.S.C. 1692e & 1692f False and unfair reporting Reporting debt caused by a breach is : Deceptive Misleading Unfair My Request I am requesting the following action : Delete the collection account immediately because it is fraudulent or unauthorized due to a data breach and can not be legally validated. 
Provide me with an updated copy of my credit report after the investigation is completed. 
I am keeping copies of all correspondence for my records. 
Thank you for your prompt attention to this matter. 
I expect full compliance within 30 days as mandated by law. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a payment of {$400.00} was made from my Cash App account to a merchant. This transaction was not authorized by me. My identity was stolen, and an identity thief accessed my account and sent the funds without my permission. I have already filed an FTC Identity Theft Report, which confirms that this transaction was fraudulent. 

I contacted Cash App immediately after discovering the unauthorized payment and requested that they reverse or refund the charge. Cash App declined to return my funds and did not provide a resolution, despite the clear evidence that the payment was made by an identity thief and not by me. 

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR Part 1005 ), Cash App is required to investigate unauthorized electronic fund transfers and restore funds to the consumer when fraud is confirmed. I provided documentation proving identity theft, yet the company has not complied with its obligations under federal law.

I am requesting that Cash App/Square Financial Services conduct a proper investigation as required by law and return the {$400.00} that was taken from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: NJ

Complaint narrative:
I enrolled in a debt relief program with Five Lakes Law Group to settle several credit card accounts. I made scheduled deposits to my dedicated XXXX XXXX XXXX ( XXXX ) account, intending to complete payments on three settlement agreements by XX/XX/XXXX. 

On XX/XX/XXXX, Five Lakes Law Group deducted a {$990.00} program fee from my dedicated account without notice or authorization. This deduction was premature, as the corresponding accounts were still under active settlement, and I had not defaulted on any payment obligations. The funds were needed to complete my existing settlements. 

When I contacted them, they acknowledged taking the {$990.00} as part of a 27 % fee, claiming they collect fees aggressively after the first settlement payment. However, this action violates the FTCs Debt Relief Rule ( 16 CFR 310.8 ), which prohibits collecting advance fees before a debt has been fully settled or paid. My accounts are still active. 

I requested the {$990.00} be returned to my dedicated accountnot refunded outrightso the settlements could stay on track. Five Lakes refused to process the correction in writing, stating that refunds can only be handled via phone. I have documented emails showing I requested all communication in writing, but they continued to make unsolicited phone calls despite clear written instructions not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Harassing phone calls multiple times a day. Received a letter from XXXX  and in emails, threatening litigation. Ive also received voicemails from representatives stating if I dont call theyll pursue legal action and if I have an attorney they will need to contact them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: SC

Complaint narrative:
Subject : Cease and Desist Incorrect Credit Reporting I am writing to formally request the removal of a negative item from my credit report that I believe is inaccurate and unjustly affecting my credit score. The item in question is listed under a negative account on my report in the amount of {$5300.00} on XXXX.According to my records, this debt has already been paid off through the creditor 's insurance which was a write-off in XXXX of XXXX

Company response to consumer: Closed with explanation