vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My husband passed away in XXXX of XXXX. It was a struggle, but I held on to our XXXX XXXX XXXX for a year. In XXXX of XXXX, I lost income due to his passing. On XX/XX/XXXX, I contacted XXXX XXXX and requested a voluntary surrender, due to lost income, I explained the amount of my loss, was equal to and possible greater than the monthly payment, and I simply can not make the payment any longer. It was explained to me, on XX/XX/XXXX, that the truck would be picked up no later than XX/XX/XXXX. With the death of my husband, who is also on the loan, a Surrender of Vehicle is easy to do. It was also explained that XXXX XXXX would sell the truck and any remaining balance of the loan, would then be billed back to me. 
Today is XX/XX/XXXX, and the XXXX XXXX XXXX is still sitting in my yard. Over the course of the last XXXX, I have spoken to several XXXX XXXX XXXX XXXX Each one advising me that my payment is getting later, and later, with additional late fees. Each one offering a new explanation as to why they have not picked up the truck. XXXX was that they can't seem to reach my late husband, only to realize that they do, XXXX, have his death certificate on file. XXXX came, the tow truck company they had contracted to pick up the truck, had not responded to their 'work order '. XXXX came, " I dont know why they are not doing what they need to do, but if you let me XXXX you a payment extension, then the calls will slow down. '' The calls did not slow down. Now they are becoming aggressive, and As I repeat the story I've now typed out here, I am being told now that the call is no longer about the truck it's about the 'late payment ' and what is now owed. it was not late, when I called to request to surrender. it is NOW late, because XXXX XXXX has failed to pick up and 'resell ' the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Approve Holdings, Inc
State: NC

Complaint narrative:
XXXX Approve contacted us to lower rate and payment on XXXX XXXX. I called, loan and vehicle are jointly owned. We discussed terms and agreed upon XXXX, XXXX, with 90 day deferment. Most of conversation was text. I've retained the conversation. They sent out one packet that had other terms a d told us to disregard. They sent another packet, we signed, there was alot of confusing docs but they urged us to get it back quickly .I received confirmations that they got docs back. A confirmation was funded. That XXXX  was pif and if any questions to contact. I then get a statement from XXXXXXXX XXXX XXXX  with the wrong payment amount and no deferment. I contacted our rep at auto approve but heard nothing after a day. I called today to file a complaint and was told they have on their records that the loan is deferred and payment is to be XXXX in XXXX. They suggested I call the credit union. I did today and they said they didn't have the deferred and XXXX. I feel mislead and deceived.and getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have 4 charges on my account- 1 i did look up and it says that its in California and then the other 3 don't even seem like actually companies- i filed a dispute of the 4 charges with my bank and they declined my dispute. I called them again to dispute the declined dispute due to these 4 charges are not mine. My email also got hacked as well- i changed all that thru my bank and they also stated to me that the charges happened in other states if i could send in my click in and out from work to show that i was here - so i sent in that information and they still declined my dispute. these 4 charges are not mine and they keep denying my dispute so I'm not sure what to do at this point to get my money back. i have heard it is hard to dispute things thru chime but i have never had a issue and have never had to dispute a charge before but these are not mine and i would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account has been mistakenly attached to my credit profile.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On XXXX at XXXX XXXX XXXX, I spoke with Supervisor XXXX ( ID  XXXX ) regarding a duplicate {$1700.00} charge on my Bank of America credit card. She assured me the refund would be processed by XXXX  morning ( XXXX ) or end of day. This was false, and no refund was ever initiated. 

On XXXX at XXXX AM, I spoke with XXXX ( ID XXXX ) and XXXX ( ID XXXX ), who confirmed no record of my refund existed. They could not explain why I was misinformed. I was told it could take up to two months for a refund, and 710 days for processing steps I never consented to. My account remains negative over {$1100.00}, blocking access to my funds. 

Later on XXXX ( XXXX PM ), I spoke with XXXX XXXX who refused to process my refund or provide her employee ID. She falsely claimed I had set up an authorization charge I never created or approved, which is fraudulent misrepresentation. 

It is unreasonable and unacceptable that I must wait weeks for my own money and repeatedly request that Bank of America return funds that are rightfully mine. This pattern demonstrates negligence, material misrepresentation, deception, and fraudulent conduct, as employees misrepresented facts, failed to act, and withheld my money without explanation. 

I am requesting immediate refund of {$1700.00}, written acknowledgment of mishandling, internal investigation, compensation for financial loss and inconvenience, and liquidated damages due to being denied access to funds necessary for survival and {$500.00} and lost opportunity cost I reserve all rights to pursue legal action for fraud, negligence, material misrepresentation, and deception. This complaint is a truthful account of my experience and not defamatory, submitted in good faith for consumer protection.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: SC

Complaint narrative:
My account was closed with morgan stanley.E trade max rate checking. And now trying to recover my funds that was in the account. I have spent the last three weeks going back and forth with them. I have sent them all the documents they have requested. I have verified my identity and proof of funding of the account. Now they have requested pay stubs. I have sent them in 3 different formats and they keep declining them. ... today I have called them and they said the pictures was clear but they still got declined. They will not tell me what's wrong or how I can fix it then hung up on me. I have the pictures of pay stubs that I sent to them and every one is clear

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX, Connecticut XXXX Consumer Financial Protection BureauXXXX XXXX  XXXX XXXXWashington, D.C. XXXX Subject : Dispute of Multiple Bank and Credit Union Inquiries Impacting My Ability to Open a Bank Account Dear CFPB, I am writing to formally dispute multiple inquiries listed on my consumer report that are severely affecting my ability to open a bank account. These inquiries appear to come from numerous banks and credit unions many of which have submitted inquiries multiple times over several months and I do not recall authorizing all of them. 
As a result of these inquiries and the impact on my consumer score report, I have been denied the opportunity to open basic checking or savings accounts. This is causing me undue hardship and financial exclusion. 
Institutions That Have Submitted 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 XXXX  * XXXX XXXX XXXX XXXX  * XXXX XXXX * XXXX XXXX XXXX  ( listed multiple times ) * 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 XXXX ( a part of XXXX  ) * XXXX XXXX Some of these inquiries have appeared multiple times across different months which I believe may be either duplicative, excessive, or unapproved. Additionally, my consumer score report, as maintained or calculated by these and related entities, seems to be contributing to repeated denials for basic banking services.

I am requesting the following : 1. A full investigation into these inquiries to determine if they were authorized, necessary, and compliant with the Fair Credit Reporting Act ( FCRA ).

2. Removal or correction of any unauthorized, duplicate, or unnecessary inquiries from my consumer report.

3. A review of the consumer score reporting that is being used to determine eligibility for opening bank accounts.

5. A response outlining the actions taken to resolve this issue.

This situation is not only frustrating but is also denying me access to essential financial services. I am requesting CFPBs support to ensure my rights under the FCRA and other consumer protection laws are upheld.

Thank you for your attention and assistance with this matter. 
Sincerely, 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 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am disputing the accuracy of the account reported by IC System , Inc. ( Account # XXXX ). I have no knowledge of this alleged debt and was never provided proper notice or an opportunity to dispute it as required under the Fair Debt Collection Practices Act. If IC System contends that notice was provided, please supply verifiable proof, including certified mail with my signed receipt. In the absence of such evidence, I request immediate deletion of this account from my credit reports pursuant to the Fair Credit Reporting Act. I respectfully request that the CFPB investigate this matter to ensure compliance with federal law.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OR

Complaint narrative:
Etrade constantly, places debit card security holds interrupting my ssdi funds usages! This has been a reoccurring problem. 

They shut off my XXXX debit cards ( XXXX my stock account- backup and my checking account primary ), without any notice. This caused me XXXX hours of time, XXXX phone calls, over more than a week! 

Friday they said your phone number change required 2 days. Yesterday, they wanted me to send my ID & a written directive. The photo I sent included : My driver 's license, phone number, my XXXX debit cards, a blank check and in my handwriting " I demand access to my money! '' Still, they can't figure it out... 
I've already got a new bank ready to receive my {$3500.00}. But until these inept people get their act together, I'm still don't have access to my money!! 

After 17 years being their customer, I'm DONE! AA I'm leaving! This is purely abuse, abuse of the XXXX, abuse of federal SSDI money and they're killing any prospective customers in the future. 

Horrific excuse for a financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Called Monday XX/XX/XXXX to see why insurance hasn't been paid. Informed lender that the insurance was expiring for non-payment XX/XX/XXXX. New Policy started XXXX XXXX. Lender stated that they needed to research why it hasn't be paid and it would take 3 days. Called Thursday and lender said we had just submitted complaint the day before and it would take until Monday XX/XX/XXXX. Called Monday lender said it would take another day. Called Following day Lender stated it would take another day. Escrow payments have been being paid each month and there is more then enough in escrow to cover insurance. XXXX XXXX has tried to send in our information only to be told our account doesn't exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pluese, Becker & Saltzman, LLC
State: NJ

Complaint narrative:
XXXX attempts to foreclose on my property is legally untenable due to XXXX XXXX, lack of standing and Violations of FDCPA, the under lying debt was previously dissmissed with prejudice prior case XXXX, barring relitigation of the same claim, FDCPA XXXX, violation misrepresentation of legal Rights and attempting to collect on a debt that is not legally enforceable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MA

Complaint narrative:
I am filing this complaint regarding an inaccurate and unfair late payment reported by XXXX XXXX XXXX XXXX XXXX on my mortgage account XXXX, with a disputed amount of {$3600.00}, last verified on XX/XX/year>. 

XXXX has reported a late payment to the credit bureaus ( Equifax, XXXX and XXXX ) that I believe was improperly recorded and violates federal consumer protection laws.

Under 15 U.S.C. 1666b ( Truth in Lending Act ), a creditor can not treat a payment as late for any purpose unless it has reasonable procedures to ensure that the periodic billing statementincluding all the information required under 15 U.S.C. 1637 ( b ) was delivered to the consumer at least 21 days before the payment due date. 

XXXX has failed to provide any proof that such billing statements were sent or delivered on time. Instead, they responded with a bank statement, which does not meet the legal requirements because it lacks the specific details required by 1637 ( b ) ( previous balance, payment due date, finance charges, interest rate, etc. ) and does not prove that the statement was sent or received at least 21 days prior to the due date.

Additionally, under 15 U.S.C. 1681s2 ( 7 ) ( Fair Credit Reporting Act ), any lender that reports negative information to a credit bureau must notify the consumer in writing within 30 days. I never received such notification from XXXX. 

I have made multiple written requests for : Copies of the original billing statements for the disputed period, Proof of delivery or mailing at least 21 days before the due date, and Evidence of written notice regarding the negative credit reporting. 

As of today, XXXX has not provided the required documentation, yet the {$3600.00} payment continues to be reported as late, causing damage to my credit score and financial reputation. 

I respectfully request that the CFPB investigate this matter, require XXXX to produce the legally required documentation, and if unable to do so, to remove the inaccurate late payment entry from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
This is regarding XXXX XXXX XXXX  Today I got an alert from my bank account and it was Imagine credit card attempting to withdraw over {$600.00} which i didn't have in there. I have always made my payments manually ahead of the due date with no problems. I had already paid {$170.00} which is more than minimum. I don't know how auto pay for turned on, whether it was automatic or they did it im not sure. I never use auto pay. I turned auto pay off when I noticed it was on, I believe XX/XX/XXXX and they still tried to take the money anyways. It was posted to my bank account last night and I started getting fees today. I talked online with someone and on the telephone with 3 other people and they said there's nothing they can do. They shouldn't if tried to take it in the first place. They also said they will be posting it again tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding MERCEDES BENZ FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. MERCEDES BENZ FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. MERCEDES BENZ FINANCIA XXXX

Company response to consumer: Closed with explanation