vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Dear Ally XXXX XXXX XXXX, I am escalating a previously submitted complaint regarding my auto loan account. I received a generic payoff response dated XX/XX/XXXX, which did not address the substance of my dispute. 

As stated in my prior correspondence, I have made all payments on time since changing my due date from the XXXX to the XXXX in XXXX. However, Ally continues to move my payoff date forward and claims I am behind due to a returned payment and due date change both of which are inaccurate. 

Your recent message provided only payoff figures, not the written explanation or detailed payment breakdown I requested. I am therefore renewing my request for : 1. A complete payment history from 2022 to present, showing the date and application of each payment.

2. A written explanation of how my due date change and the alleged 2022 returned payment have affected my loan balance and payoff calculation.

3. Confirmation that my account is current and not past due in any system or credit reporting.

Please note that if this issue remains unresolved, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and include all correspondence to date for review of potential deceptive loan servicing practices. 

Thank you for your prompt attention. I look forward to a written resolution within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
JPMCB Auto Finance ( Chase XXXX ) account ending in XXXX. High balance {$68000.00}. Vehicle had {$12000.00} repair in early 2024. I called Chase multiple times to request temporary deferment. Reps said theyd work with me. After fixing the truck, I tried to reinstate they refused and charged off the loan ( XX/XX/year> ). This is inaccurate reporting. I was in good faith hardship, not abandonment. Delete the charge-off and all delinquencies from all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I Deposited a Check ( {$40000.00} ) into my account XX/XX/year>. The Check was from XXXX insurance ( XXXX Bank ). Chase accepted the check and provided me with a receipt. The check cleared XXXX Bank on XX/XX/year>. The funds have been frozen now for a month. 

Chase has informed me that the check can not be verified even know it has cleared. Chase has been holding the funds XXXX since it cleared on XX/XX/year>. This is interesting because on the check is a check verification number to call including a draft number to verify. I called personally and was able to verify the funds with the information provided on the XXXX check. 

I have been working with a branch XXXX ( XXXX XXXX ) at the XXXX Florida Branch ( XXXX XXXX XXXX XXXX FL XXXX ). He has been wonderful however has not been able to get this issue resolved internally. He seems to be having trouble with the Chase internal process. 

After doing further online research ( www.reddit.com and several other sites ) the list is endless with this type of complaint with Chase Bank. 

Opportunity cost - this has already cost me additional money while Chase hoards personal funds and continues to make money of off others cash flow including interest and other proceeds. 

My request is to escalate to receive my funds ( personal property ) that I am entitled to as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
On XX/XX/year> I noticed XXXX transactions on my checking account with transaction dates of XX/XX/XXXX that neither I nor my wife recognized. I called Ally Bank immediately to dispute the transactions. Ally cancelled both debit cards on the account and issued new cards. Ally resolved the first transaction ( " XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX DC, XXXX '' ) by crediting the full {$11.00}. The dispute of the second transaction ( XXXX # XXXX XXXX XXXX XXXX XXXX, WASHINGTON DC XXXX ) in the amount of {$430.00} was recently denied by Ally after investigation. 

After getting clarification from Ally that the charge was on my wife 's debit card ( they initially erroneously told me it was on my card and thus when I called XXXX in XXXX they were unable to locate the transaction ), we were able to get a receipt from XXXX for the transaction, which I've attached. Evidence this was a fraudulent transaction : XXXX ) We have never been to this store location ; XXXX ) We never use our debit cards for merchant transactions that accept our credit cards, which XXXX does ; XXXX ) The timestamp of the transaction indicates it occurred when my wife was at work ; and XXXX ) The receipt shows that the transaction was for XXXX {$200.00} gift cards, which is the # XXXX most common purchase via fraudulent transactions. 

The letter rejecting my dispute states : " You have a right to request the information that we used in making our decision. '' I have requested this information and all three Ally representatives I spoke with were confused about this request and I have yet to receive the requested additional information. I was also told that if I request this information, I could not challenge the dispute until the process to provide me additional information had concluded, only for an Ally representative to call me and tell me that a dispute challenge was opened on XX/XX/year> and that as of XX/XX/year>, the challenge was rejected and finalized and if I'd like to challenge I'd need to restart and submit a new dispute.

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 2025-11-07 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: CT

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

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an 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.

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

Company 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 2025-11-07 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-11-07 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: NY

Complaint narrative:
My credit report shows an inquiry I dont recognize. I did not authorize this company to access my credit report, nor did I apply for any credit with them. This is a clear violation of my rights as a consumer, and it deeply concerns me. My life is already stressful enough, and seeing unauthorized activity on my report only adds to that stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Ensure the company adheres to all legal deadlines for account dispute deletions.

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 2025-11-07 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: CA

Complaint narrative:
Would you inspect this entry? There could be errors in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against EXPERIAN Information Solutions XXXX XXXX regarding the inaccurate and unlawful reporting of a late payment for XX/XX/XXXX on my XXXX CARD account ( XXXX ), opened on XX/XX/XXXX. I have consistently paid this account on time, and no late payment ever occurred during the specified period. Despite my timely disputes, EXPERIAN has continued to report this inaccurate information, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting that EXPERIAN provide a complete description of the procedures used in its investigation and immediately remove all inaccurate late payment notations associated with this account.

EXPERIAN is in violation of several provisions of the FCRA, including but not limited to 602 ( A ) ( duty to ensure fairness and accuracy ), 607 ( b ) ( requirement to maintain maximum possible accuracy ), and 611 ( a ) ( mandating a reasonable reinvestigation of disputed information ). Under 609 ( a ) ( 1 ), I am entitled to a full description of the verification process, including the name, address, and telephone number of the data furnisher relied upon in verifying this information. Continued publication of unverifiable or false data also constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under 12 U.S.C. 5531 and 5536, enforceable by the Consumer Financial Protection Bureau ( CFPB ).

Additionally, EXPERIANs actions violate the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ), which prohibits unfair or deceptive conduct in trade or commerce. Reporting false payment information and failing to correct it upon proper notice is a deceptive act that misrepresents my credit history and causes measurable harm. 815 ILCS 505/2Z further establishes that violations of federal law, including the FCRA, XXXX constitute violations of Illinois XXXX XXXX. EXPERIANs refusal to correct this known inaccuracy represents a direct breach of both federal and state consumer protection statutes. 

The presence of this false late payment has caused significant harm to my credit standing, resulting in a reduced XXXX XXXX, loss of credit opportunities, and emotional distress due to reputational damage. The FCRA explicitly mandates that credit reporting agencies must not maintain or publish inaccurate or unverifiable information. EXPERIANs failure to uphold this responsibility has caused avoidable and unlawful harm.

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 2025-11-07 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: AL

Complaint narrative:
I am disputing the following items on my TransUnion credit report that I believe are inaccurate or incomplete. Please investigate these items and ensure they are reported correctly. 

XXXX  CHARGED OFF XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute and request the removal of unauthorized or unverified hard inquiries that appear on my credit report. These inquiries were made without my written consent or permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). The following inquiries appear inaccurate or unauthorized : XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> 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 2025-11-07 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: IN

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I am writing to file a formal complaint regarding I the failure to deliver funds from a MoneyGram transfer scheduled for November 6, 2025. To date, the funds have not been deposited into my bank account, despite being assured that the transfer would be processed automatically and without delay.

I have contacted both my bank and MoneyGram multiple times. My bank has confirmed in writing that no funds have been received or placed on hold, meaning the issue rests entirely with MoneyGrams handling of the transaction. Your customer service representatives have been unable to provide any clear explanation, resolution, or confirmation of where my funds currently are.

It is completely unacceptable that I am now being told I must wait an additional 10 business days for an investigation. This delay has caused significant financial hardship and disruption. MoneyGram has a duty to ensure timely and accurate processing of transfers, and in this case, it has failed to meet that obligation.

I am therefore requesting that MoneyGram : Take full responsibility for this delay and acknowledge the error in writing. 

Immediately locate and release the funds to my designated bank account. 

Provide a written explanation of the cause of this delay and the steps being taken to prevent similar occurrences in the future. 

Offer appropriate compensation for the inconvenience, stress, and financial impact caused by this failure. 

Please escalate this matter to a supervisor or senior compliance XXXX with the XXXX to take immediate corrective action. 



This situation is urgent, and I expect MoneyGram to treat it with the seriousness and accountability it warrants. MoneyGram should take the responsibility for my lost due to the transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I am a licensed mortgage loan originator. On XX/XX/year>, my borrowers credit was pulled for a mortgage inquiry. Shortly afterward, Rocket Mortgage contacted her through a trigger lead. She told XXXX clearly that she was not applying with them and that she was already working with a licensed mortgage broker. 

Despite her explicit statement, Rocket Mortgage still created and submitted an FHA case number for her without authorization. She never applied with Rocket Mortgage, never gave consent, never provided documentation, and never expressed intent to proceed. 

This unauthorized case number prevented me from ordering the appraisal and delayed the borrowers ability to proceed with her chosen lender. I had to request a case transfer on [ date you sent request ]. This practice created a barrier to the borrowers ability to freely shop for a mortgage. 

I am filing this complaint to document the behavior. Trigger lead solicitation is legal, but creating an FHA case number after being told the consumer is not applying is not appropriate. This behavior should be reviewed as it affects the borrowers ability to shop and causes unnecessary delays in the mortgage process.

Company response to consumer: Closed with explanation