vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/XXXX I went to this solar car wash in XXXX for the first time. The guy never asked about a membership so I thought I was paying for a one time wash. 2-3 Months later Im being charged for a {$20.00} membership and Ive contacted chime two times the second time I got a new card and was supposed to have them blocked but they still try to charge my account and chime also denied my disputes. Ive also tried reaching out to the car wash got no answer on phone/email.

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: Incorrect information on your report — Information belongs to someone else
Company: GFS II, LLC
State: DC

Complaint narrative:
I disputed an account reported by GFS II LLC with XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX marked the dispute as verified and stated that the account would remain, but they issued this response in only a few days and did not provide any documentation, investigation notes, or proof from the furnisher. I believe XXXX XXXX XXXX did not conduct a proper reinvestigation as required under the Fair Credit Reporting Act. A response issued within only a few days with no supporting documents indicates an automated verification rather than a full investigation. 

After this, I submitted a new dispute and included an FTC Identity Theft Report, a copy of my ID, and proof of address. XXXX XXXX XXXX  has these documents but has not blocked the account as required under FCRA 605B. The account continues to report even though I provided all documentation required by law to have the account blocked due to identity theft. I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Provide documentation showing how the account was verified, 2. Conduct a full reinvestigation, and 3. Comply with 605B by blocking the identity-theft-related account that I supported with an FTC report and proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I change home owner insurance companies which cause a negative amount on my escrow account. Freedom mortgage completed an escrow analysis which caused my payment to go up. I then made an additional payment directly to the escrow account to cover part of the shortage. As of now I have a positive escrow balance. I called XXXX  XXXX to ask for them to complete another escrow analysis to factor in my additional payment. I called back in about a week before XXXX and they confirmed nothing had been done. I asked that they escalate the request before XXXX statement posted. They never completed the analysis and now my payment is more than it should be.

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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: NY

Complaint narrative:
An auto account from CarMax Auto Finance continues to appear on my credit report with inaccurate information. The account is reported as charged off and shows inconsistent payment history, even though it is several years old. This account was previously removed but has been reinserted on my XXXX report without notice or proper certification, in violation of FCRA 611 ( a ) ( 5 ) ( B ) .I filed an FTC Identity Theft Report and submitted written disputes under FCRA 605C and 611 requesting that the account be permanently deleted. CarMax later sent a letter but did not provide any documentation verifying or validating the account information. I also requested confirmation of whether a 1099-C ( Cancellation of Debt ) was issued for the account, as required under IRS regulations , and have not received a response.I am requesting that this account be permanently deleted from my credit report and that the company provide proper documentation and compliance with all federal requirements.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
1. Facts of the Complaint On XX/XX/year>, I submitted a written dispute to XXXX XXXX XXXX via XXXX certified mail regarding inaccurate and incomplete information being furnished to the credit reporting agencies by this company. On XX/XX/year> they received my dispute in the mail. 
Despite receiving my dispute, the creditor failed to mark the account as disputed by consumer within 30 days. 
As of XX/XX/year>, the derogatory account continues to appear on my credit reports without any dispute notation. 
This omission misrepresents the status of the debt, harms my creditworthiness, and violates federal law. 
________________________________________ 2. Violations of Federal Law The creditors failure to report the account as disputed constitutes violations of multiple statutes and regulations : Fair Credit Reporting Act ( FCRA ) : o 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when a debt is disputed.

o 15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, furnishers must investigate and update reporting.

o 15 U.S.C. 1681i ( c ) : CRAs must note disputes in consumer files ; failure by furnishers prevents compliance.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1692e ( 8 ) : Debt collectors must not communicate false credit information, including failing to report that a debt is disputed.

Regulation V ( 12 C.F.R. 1022.43 ) : o Requires furnishers to conduct a reasonable investigation of direct disputes and report results accurately.

Federal Trade Commission Act, Section 5 ( 15 U.S.C. 45 ) : o Prohibits unfair or deceptive acts or practices. Misrepresenting the status of a debt by omitting the dispute notation is deceptive.

4. Supporting Documentation Attached are : A copy of my written dispute letter dated XX/XX/year> Proof of delivery/receipt by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX. Facts of the Complaint On XX/XX/year>, I submitted a written dispute to XXXX XXXX XXXX via XXXX XXXX mail regarding inaccurate and incomplete information being furnished to the credit reporting agencies by this company. On XX/XX/year> they received my dispute in the mail. 
Despite receiving my dispute, the creditor failed to mark the account as disputed by consumer within 30 days. 
As of XX/XX/year>, the derogatory account continues to appear on my credit reports without any dispute notation. 
This omission misrepresents the status of the debt, harms my creditworthiness, and violates federal law. 
________________________________________ 2. Violations of Federal Law The creditors failure to report the account as disputed constitutes violations of multiple statutes and regulations : Fair Credit Reporting Act ( FCRA ) : o 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when a debt is disputed.

o 15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, furnishers must investigate and update reporting.

o 15 U.S.C. 1681i ( c ) : CRAs must note disputes in consumer files ; failure by furnishers prevents compliance.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1692e ( 8 ) : Debt collectors must not communicate false credit information, including failing to report that a debt is disputed.

Regulation V ( 12 C.F.R. 1022.43 ) : o Requires furnishers to conduct a reasonable investigation of direct disputes and report results accurately.

Federal Trade Commission Act, Section 5 ( 15 U.S.C. 45 ) : o Prohibits unfair or deceptive acts or practices. Misrepresenting the status of a debt by omitting the dispute notation is deceptive.

4. Supporting Documentation Attached are : A copy of my written dispute letter dated XX/XX/year> Proof of delivery/receipt by XXXX 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 explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Received a notice for wage execution through the mail. The notice had no information about how much debt was owed, they lied about the time frame in which i have to respond stating i only got 10 days to respond when it should be 15 due to the notice being delivered by mail. They maliciously sent the notice and I received the notice the Saturday before XXXX knowing I have a limited time frame to respond and with the holiday that next week I had no time to respond. Started a new job less than three months ago and in a probationary period so I can not call out without risk of losing my job. I work XXXX during the weekdays so it impossible for me to even get to the courthouse to even try to make a response. I contacted the people suing me for the debt to no avail the one person who answered had no authority to access my account/case to give me any information. I scheduled a call on their website for the friday after XXXX and they did not call me. No where on their site did they state no one will be in office to make calls. The company or firm in question is Pressler , Felt & Warshaw LLP Attorneys At Law on behalf of XXXX XXXX XXXX XXXX via a merger between the two banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted and Affidavit to all 3 Consumer Reporting agency Equifax, Experian and TransUnion in XXXX. Contesting their authority to reporting derogatory accounts on a consumer 's report without having documentary proof of what's being reporting and making it available to a consumer upon request.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) ] and [ 15 U.S. Code 1681e ], and 15 USC 1681.

Their failure to provide these documents in an negligent of my rights to a true " dispute '' and a revealing of them reporting on account that they know are " unverifable ''.

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: 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted and Affidavit to all 3 Consumer Reporting agency Equifax, Experian and TransUnion in XXXX. Contesting their authority to reporting derogatory accounts on a consumer 's report without having documentary proof of what's being reporting and making it available to a consumer upon request.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) ] and [ 15 U.S. Code 1681e ], and 15 USC 1681.

Their failure to provide these documents in an negligent of my rights to a true " dispute '' and a revealing of them reporting on account that they know are " unverifable ''.

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: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NerdWallet, Inc.
State: SC

Complaint narrative:
My XXXX XXXXXXXX XXXX was repossessed by XXXX XXXX XXXX without any prior notice. I was not informed in advance, nor was I given any information about the location of my vehicle after the repossession. I also did not have the opportunity to retrieve my personal belongings from the car. When I contacted the lender, I was told that my car had already been auctioned off. Following the auction, the amount I owed on the vehicle increased significantly, including added fees and charges, far above the original loan balance I already owed for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I changed jobs earlier this year and have always had a HSA with Optum so when I saw they would automatically merger I didnt think much of it. I checked my account recently and noticed they did not merge. I called Optum at the end of XXXX to ask them. I was told that I have two accounts, one with Optum Bank and another with Optum Financial. I asked them if I could merge the accounts and they stated I could not because they are two different entities. At the time I did not have access to my Optum financial account as I did not have the debit card that was mailed back in XXXX. I had {$1600.00} in my optum bank account which was the older account and less in my Optum Financial account but that was my new account. I asked what steps needed to be taken to move the money from my old account to the new one and was told they had to close the account and mail me a check that I would have to deposit. I specifically stated I did not want to do that as I know better than to rely on usps. I asked if there was a way to just transfer the funds with my approval and they said no. I went ahead with cancelling the account and having them mail me a check. At the same time I stated I needed a new card for my Optum Financial account as I needed to be able to access it. They transferred me to optum financial and were supposed to to mail me a card. A couple of weeks go by and I have the check but no card. I call back and explain the situation. They then mail me a card as they didnt see notes stating one was mailed. I then ask how am I suppose to deposit this check I received because they previously didnt tell me how. Optum financial send me the paperwork and I notice I need the account number so I wait for my card to come in so I can create an online login and find that information. Once I receive the card and option my new account number I go to fill out the paperwork and notice it is for and account to account transfer, which I was previously told could not be done. I call back and explain the situation AGAIN. This time I immediately ask to speak to a supervisor which they do not want to transfer me too. I keep asking to speak to a supervisor every time the person on the line asks another question. Eventually they say they are but I am not sure that they did. They finally send me the correct paperwork and I mailed the check on XX/XX/year>, the check was being mailed from IL to MI. It is now XX/XX/year> and the check has not been deposited in my account. I called to ask where it is and they kept asking questions stating they can not transfer me to get this resolved but they are sending it to be escalated and someone may call me back in 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Several companies have repeatedly added incorrect and misreported payment information to my credit report. These reports are inaccurate and confidential in nature, and I did not authorize or agree with the way these payments have been recorded. The information being added does not reflect my actual payment history.

These repeated errors have caused significant and ongoing decreases in my credit score. I have attempted to maintain accurate records, but the companies involved continue to place incorrect payment data on my report. These entries are misleading, damaging, and violate my rights under the Fair Credit Reporting Act, which requires that all information furnished to the credit bureaus be accurate, complete, and verifiable.

/ I am requesting an investigation into these inaccurate payment reports and removal of any incorrect or duplicate entries that are negatively affecting 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 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 turn you in to immigration or deport you
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I fell under hardship when I lost my job and this company knew about and said they would help and never did anything but threaten me about damaging my credit and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
this is regarding Wells Fargo, possibly two years ago. I dont know the amount. I just know that there was a lot of money and transactions that I didnt do or approve of and I asked them. How did these happen and they couldnt tell me they just close my account. Now they have a class action lawsuit and was speaking about wells fargo

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime is holding a {$250.00} pending authorization from XXXX XXXX that should have been released. The rental began on XX/XX/XXXX and ended/returned on XX/XX/XXXX. XXXX officially released the authorization on XX/XX/XXXX. Ive also received my XXXX XXXX XXXX reward for renting with XXXX which wouldnt be released to me if they were still having an authorization hold. I rent every month with them and never had an issue using my XXXX or XXXX. I have provided written proof from XXXX. The authorization has now been pending for over 10 days. Chime has refused to perform a manual forced release even though the merchant confirmed the hold was lifted. Ive spoken to 5 different agents since XX/XX/year>. I am requesting the immediate reversal of the expired authorization.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX Balance : {$450.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I've asked for a debt validation letter. No response has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: OH

Complaint narrative:
I have been a victim of the Equifax data breach and have become a victim of identity theft.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX  -- Balance : {$1700.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$10.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief