vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have placed unauthorized inquiries and the credit bureaus Experian Equifax and transunion have failed to do a proper investigation into these inaccurate unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I was in an auto accident. At the time of my auto accident I owed {$20000.00} on my XXXX XXXX XXXX. After the lender Ally Financial was notified I was hit with a late fee on my account of {$390.00}. My total amount due on my vehicle also increased to {$25000.00}. My auto insurance deemed the car a total loss XXXX issued Ally Financial a check for my vehicle for the value of {$20000.00}. XXXX mail the check to Ally Financial on XX/XX/XXXX after the check was in the mail. These additional charges hit my account. They were not there prior to XX/XX/XXXX. When I question our Financial about the charges, they stated that the late fee is because of a check that they received on XX/XX/XXXX that didn't go through. The check was valued at {$8400.00} and was issued via XXXX. They stated that the check did not go through until. XX/XX/XXXX. I have a total of 13 late charges for the same date the total of the amount of. {$390.00}. They said the late charges are because the check did not go through from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00} because once they got the check from XXXX, I should've had a XXXX dollar balance on my account for my vehicle. The company is refusing to help me and stating that it is my fault that the check did not go through and it's my fault for having the late fees pile up even though all my bill statement said I did not owe the money again after they received the check back in XX/XX/XXXX. I also believe that they are falsifying documents. If you look in my mobile app dates for my payments are different than they are for mypayment history that I requested from them. Also, they sent my payment history more than one time in both times there has been changes to my history. Now they're requesting that I pay them a total of {$1000.00} by XX/XX/XXXX. Because they want my {$610.00} car payment plus the {$390.00} late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Although I do not have the exact amount paid at this moment, it was estimated at $ XXXX. 
It was paid back years ago. A year ago or so I was informed by the US Department of Ed that the school I attended, when I attended, was guilty for misconduct. The school was shut down, The XXXX XXXX. XXXX took the following steps on the loans approved for this relief : Discharge the entire remaining balance of the loans. This includes principal and outstanding interest. If you consolidated your loans, we will only discharge the portion of those loans that you took out to attend the school during the time period identified above. 
Remove the loans from your credit report if they are fully discharged. 
Refund any payments previously made to XXXX on the loans being discharged. 

However the bulk of the payments I had initially made were to the private loans as the interest was very high. I am trying to find a way to see how I can be reimbursed after finding out this terrible news. 
I reached out to XXXX  who was a private lender during this time, and they told me I am not eligible for anything. because in order to be eligible for their school misconduct discharge application form, I must still have a balance due. I find this extremely unfair, prejudice and they denied me twice without letting me know if there were any alternative routes. 
If there is something that can be done about this I will not hesitate to obtain more documentation. It is dated back so I will need to do a lot of digging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: WY

Complaint narrative:
The CFPB found Equifax violated the FCRAs requirements for investigating and processingconsumer disputes and assuring maximum possible accuracy of information on its consumerreports. The CFPB also found that Equifax violated the law by using ineffective systems andflawed processes, and excessively deferring to furnishers to address disputes. Specifically, theCFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Equifaxs process for submitting disputeslimits the ability of consumers to fully and accurately describe their disputes. In many cases, Equifax also failed to consider relevant information submitted by consumers, sometimes notlooking at the information at all. Then, after Equifax forwarded information about a dispute toa furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, theresulting letters Equifax sent to consumers sometimes contained confusing or contradictorystatements, such as both this has been verified as accurate and this item has been deleted.Putting previously deleted errors back on credit reports and failing to block identity- theftrelated information : Equifax did not have systems to detect information that was previouslyremoved and block that information from again appearing on the consumers credit report. Inaddition, Equifax also had no process to identify situations where a consumer is forced to sendanother dispute about the same inaccurate information because Equifax failed to correct theinformation the first time, or because Equifax reported information that had previously beencorrected. Equifaxs policies limited consumers ability to dispute inaccurate information beingput on their credit report. Finally, Equifax reported credit information that it should haveblocked because the information resulted from identity theft.Sharing inaccurate credit scores and data about consumers with lenders : Coding errors inEquifaxs internal software caused the company to miscalculate and share inaccurate creditscores for several XXXX XXXX consumers. The company also reported the same creditaccounts multiple times for more than XXXX consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I placed eleven ( 11 ) market buy orders on Robinhood Crypto during the market crash.

Out of those 11 orders, six ( 6 ) were rejected and five ( 5 ) were successfully filled under identical conditions and timestamps.

Robinhood representatives gave multiple conflicting explanations : volatility, 1 % buffer rule, system-wide outage, and later network congestion.

These contradictory responses confirm a partial execution failure on Robinhoods platform, not a market condition.

Despite admitting both outage and network congestion, Robinhood closed my case ( ID XXXX ) without resolution or compensation.

I am requesting : 1. A full technical transaction log explaining why some identical orders executed while others failed.

2. An appropriate goodwill credit to compensate for the financial loss and missed opportunity caused by this partial system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
Mariner Finance has reported multiple late payments for my account for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These reported delinquencies are inaccurate. My records show that I made timely payments, and the account was ultimately paid in full. I have previously disputed this information directly with Mariner Finance and the credit bureaus ; however, the inaccurate late payment history remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Nv XXXX XX/XX/XXXX XXXX XXXX Collection / Debt Collector Name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern I am writing regarding an alleged debt in the amount of {$2500.00} reported under my name by XXXX XXXX Collection. I dispute this debt and request validation as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with : The original creditors name and contact information.

Documentation proving I am legally obligated to pay this debt.

A detailed accounting of how the alleged balance of {$2500.00} was calculated.

Until you provide sufficient validation of this debt, I request that you cease all collection activities and that any reporting of this account to the credit bureaus be removed immediately, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This law requires inaccurate or unverifiable information to be removed from my credit report.

Please send the requested documentation to my address listed above within 30 days of receipt of this letter. Failure to provide verification will be understood as a violation of the FDCPA, and I will pursue all rights to have this item removed from my credit report and to report any noncompliance to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I have a credit and checking/debit account with chime. On XX/XX/XXXX I submitted to have a check mailed to first XXXX XXXX  for XXXX and another to jones auto sales for XXXX. 
On XX/XX/XXXX I went to my chime app and looked at status of these checks and it said they were mailed. I also called chime on this date to confirm and they stated yes these check were mailed and the recipients would receive checks via mail no later than XX/XX/XXXX. I then specifically asked about the XXXX check due to its amount and importance. Chime said yes check was mailed restated the receive date no later than XX/XX/XXXX. If for whatever reason past this date they do not receive to notify chime and check will be cancelled and credited back to my account. 
On XX/XX/XXXX jones auto sales called me and stated they never received check. I then pulled up my chime app and looked for status of checks and showed the one in the amount of XXXX to XXXX XXXX XXXX  had been cashed but the one to jones auto sales for XXXX was still in mailed status. 
I then called chime and spoke with a rep about this matter and was then told that the check was still being processed. I asked why and they did not know or could answer any of my questions so I then asked for a supervisor. 
Supervisor told me the same info I was given by the rep with no explanation to the delay or why I was lied to on XX/XX/XXXX on the status of the check. Supervisor then asked me if I wanted this task terminated and I stated yes and for it to be refunded back to my account. The response I got was that it had been cancelled and funds would be back into my account in XXXX business days. Told him no I want it backWhen asked again about the delay and info given on XX/XX/XXXX stated he did not know and if I didnt have any other questions have a good day and thanks for calling chime and hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: RI

Complaint narrative:
Ive had my Cash App for a lot of years to receive money via family and friends especially for my XXXX treatments and randomly it got closed down. I no longer can receive any payments from anyone because this was the only way I was able to they will not provide me any explanation. I never did anything fraudulent on this account always used it for its main purposes and they wont explain why its closed I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On Sunday night XX/XX/XXXX. XXXX around XXXX I logged into my chime account on my new phone i just got after having no access to my account for 3 and a half days because my phone broke on Thursday XX/XX/XXXX a little after XXXX. When i last had access to my account I had {$300.00} something XXXX  in my savings account under house to pay my rent for the month of XXXX. When logging back in i had a total of XXXX in my savings account, i thought the app had glitched because it does frequently so i checked my statements which is some of the 4 pictures provided below. It said i pulled my money out of savings and sent payments in XXXX XXXX  increments to someone under the name XXXX XXXX and pulled out my pay ( which is a option chime has to pull out some of your upcoming paycheck and pay it back on the deposit day ) which was a total of {$68.00} in my pay that was also sent to XXXX XXXX I instantly called Chime to attempt to dispute my charges because they were not made by me. ( phone call was made towards XXXX so late sunday XX/XX/XXXX early monday XX/XX/XXXX ) During my hour and a half phone call they helped me secure my account, which it had been before so i was quite confused. They had me verify the type of phone i use to access my Chime account ( which has ALWAYS been an XXXX ) after securing my account they told me they were investigating what happened and would let me know if i was eligible for dispute. the people i talked to said i seemed to be eligible. After getting off the phone with someone in the dispute department i believe ( i talked to a few different departments that night ) i checked my email and had emails from Thursday at XXXX saying someone who lives in XXXX TN on a XXXX XXXX XXXX XXXX  had logged into my account ( again i only have an XXXX XXXX and im located in the XXXX TN area ), somehow they got past my 2 step verification even though i was not sent an email for a verification code. Then i got 2 more emails saying my Phone number and email were also changed but again no verifications sent to my email to verify it was me trying to make these changes. When i saw these emails i immediately sent them to Chime to help with my investigation. soon after i got an email saying no error occurred and they were not going to give my money back. thats was today ( Monday XXXX XXXX at XXXX ) i have attempted to send an email to them to get my files from the decision they made and it said it couldnt be sent out I checked back on the email and it does request not to email because they dont check emails. So i attempted to call multiple times and i keep getting a message saying there was a problem reaching the number i dialed. now i am at risk of getting evicted from my apartment because i can not afford to pay my rent on time and where i live is extremely strict about paying on time. Which will heavily affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-20 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-20 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax failed to properly investigate my credit dispute regarding an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account because the information being reported is inaccurate and incomplete. However, XXXX  responded with a generic verified as accurate outcome without providing any explanation, documentation, or details of how the furnisher verified the account. Details of the dispute : I submitted a dispute to Equifax regarding the XXXX XXXX XXXX account. XXXX  closed the dispute stating that the furnisher verified as accurate. I was not provided with any method of verification, documentation from the original creditor, or evidence to support the validity of the account. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires the credit reporting agency to conduct a reasonable reinvestigation and provide the consumer with the method of verification upon request. Furthermore, XXXX has not provided any original signed contract, itemized statement, or legal assignment to show that this debt is valid and belongs to me. The way Equifax handled this dispute demonstrates a lack of reasonable investigation it appears they relied solely on automated e-OSCAR responses, which is not compliant with FCRA standards. Desired resolution : I am requesting that the CFPB require XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : Provide a full method of verification explaining how this account was verified, including the name of the person contacted, the date of verification, and supporting documentation. Remove the account from my credit report if the furnisher can not provide verifiable documentation. Ensure TransUnion complies with FCRA 611 in future disputes by conducting a reasonable reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
I moved out of XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year>. The apartment never provided a written statement of move-out charges as required by California Civil Code 1950.5. Despite this, they sent my alleged debt to a collection agency, and I was forced to pay {$1400.00}. I requested proof that the charges and notice were mailed, but the defendant could not provide any documentation. This improper handling damaged my credit and caused significant stress. I am requesting that this debt be corrected and my payment refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City, XXXX, ZIP : XXXX, GA XXXX SSN ( last XXXX ) : * XXXX Date of Birth : XX/XX/XXXX Date : [ XX/XX/XXXX ] Subject : Formal Credit Dispute Unauthorized Account Reporting Dear Experian Equifax TransUnion, I am writing to formally dispute an unauthorized account appearing on my credit report. The account was added by Current Bank without my consent. I only applied to check for eligibility for fast cash, not to open a new credit line. 
This account has negatively affected my XXXX XXXX, and I request that it be investigated and removed from my report as soon as possible. 
Please investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and provide written confirmation of the results of your investigation. 
Account Information ( if available ) : Creditor Name : Current Bank Account Type : Credit Card / Line of Credit Date Reported : XX/XX/XXXX from my credit Report ] I have attached a copy of my drivers license, Social Security card, and proof of address for verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation