vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
Company : Chime Product : Checking / prepaid account Issue : Dispute handling unauthorized transaction / billing error Amount : {$390.00} Transaction Date : XX/XX/year> Dispute Submitted : XX/XX/year> at XXXXXXXX XXXX ( Eastern Time ) Dispute Denied : XX/XX/year> at XXXXXXXX XXXX ( Eastern Time ) Complaint Description I am filing this complaint against Chime for improper and potentially unlawful handling of my dispute in the amount of {$390.00}. 

I submitted a dispute regarding an unauthorized and/or incorrect electronic transaction that occurred on XX/XX/year>. I formally submitted the dispute on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chime denied the dispute on XX/XX/year> at XXXXXXXX XXXX Eastern Time, less than 24 hours after submission. 

This rapid denial raises serious concerns that no reasonable or meaningful investigation was conducted. 

Under Regulation E ( 12 CFR 1005.11 ), financial institutions are required to : Conduct a reasonable investigation Review relevant information and evidence Follow investigation timelines that allow up to 10 business days, and in some cases up to 45 days A denial issued in less than 24 hours strongly suggests the decision was automated, predetermined, or otherwise issued without proper investigation, which would be inconsistent with Regulation E requirements.

Chime did not provide : Any explanation of what investigation steps were taken Any description of evidence reviewed Any documentation supporting the conclusion that the transaction was authorized Based on the timing and lack of explanation, I believe Chime failed to comply with its obligations under Regulation E and improperly denied my dispute.

I am requesting that Chime : 1. Reopen and conduct a proper investigation into my dispute for {$390.00} 2. Provide written documentation explaining how the investigation was conducted 3. Issue provisional credit if required under Regulation E 4. Take corrective action to ensure future compliance with federal consumer protection laws I respectfully request that the Consumer Financial Protection Bureau review this matter and require Chime to provide a full and lawful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lenmo Inc
State: NC

Complaint narrative:
I am submitting a complaint regarding Lenme, a peer-to-peer lending platform.

I submitted a loan request through Lenme but decided I no longer want the loan. No loan has been funded, no lender has accepted, and no loan agreement has been executed. 
Despite this, Lenme is refusing to allow me to cancel or withdraw my loan request. Their support team has stated that a loan request can not be canceled until I receive a loan offer, even though I do not want an offer and have explicitly withdrawn my consent to continue the request.

I have clearly instructed Lenme in writing to rescind my loan request and to stop processing and sharing my personal and financial information. Lenme continues to claim they can not cancel the request, which effectively forces me to remain soliciting lenders against my will. 
This practice is unfair and coercive. A consumer should be able to withdraw an unfunded loan request at any time. There is no executed contract or obligation that would justify forcing a pending request to remain active. 
Additionally, Lenmes refusal to cancel the request results in continued processing and sharing of my personal data without my consent, which raises serious consumer protection and privacy concerns.

I am requesting that Lenme be required to : Immediately cancel and remove my unfunded loan request Cease processing and sharing my personal and financial information related to the request Provide written confirmation that no loan has been funded or accepted I am attaching screenshots of Lenmes chat responses and copies of my written cancellation and rescission notices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am seeking assistance to verify whether my former mortgage lender, Wells Fargo, accurately disbursed my payments, specifically my Mortgage XXXX XXXX ( XXXX ) obligations. 

Details : My mortgage was recently sold to another mortgage company. After reviewing my records, I noticed discrepancies in the Escrow/MIP payments. I contacted my previous lender for clarification, but they have not provided sufficient information to resolve my concerns. 

As of XX/XX/XXXX, I received a written response from Wells Fargo regarding my concerns. Their letter acknowledges an error in the balance upon service transfer, but in the same paragraph states there was no error, which is contradictory. 
Additionally, I questioned a double deduction in XXXX ( XXXX and XX/XX/XXXX ). Wells Fargo claims the XX/XX/XXXX payment was for XXXX and the XX/XX/XXXX payment was for XXXX. However, when reviewing the documentation they provided, I see a payment already applied to XXXX, suggesting a duplicate payment for that month. 

This discrepancy raises concerns about whether my MIP payments were properly applied and whether my escrow balance was accurately transferred to the new servicer.

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 2025-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
The VanillaGift gift card was purchased at XXXX for {$50.00} on XX/XX/year> and I received it as a XXXX gift on XX/XX/year>. I called the number on the back and activated it on XX/XX/year>. On XX/XX/year>, I attempted to use the card to purchase something at XXXX but it was initially declined. So, I called the number on the back of the card again and verified that the card was not only active but also had {$50.00} in funds on it. I even showed this information to the cashier at XXXX. When I attempted to use the card again, it was once again declined. 

I went home and navigated onto VanillaGift 's website and checked the status of the card and noticed that it was placed in an " On Hold '' status and showed the recent XXXX transaction as declined due to " Security Policy. '' I called VanillaGift once again and was told by a customer service representative that my card was declined and subsequently deactivated because they thought it was " compromised. '' Which is an insane risk-aversion behavior considering I had the physical card in my hand and had verified on multiple occasions ( which can be tracked by the company ) that the card was active and had funds. I now have to wait 7-10 business days for a new card to arrive by USPS because their algorithm thinks I'm a criminal. And who's to say that this new card won't give me the same problems? This is such a dishonest company to hold your money hostage and hope that you don't fight back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX XX/XX/year> -- {$55.00} INQUIRY : XXXX XXXX XXXX XX/XX/year>

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Premier Auto Credit
State: CA

Complaint narrative:
I bought a car in XXXX XXXX XXXX in XXXX XXXX, in XXXX of this year, 2025. It was a used XXXX XXXX XXXX, and they sold it to me for {$14000.00}. I put down a {$5000.00} down payment. On XX/XX/XXXX, it started showing low coolant level warnings. I notified the dealer, and they took the car for a week. But the day I picked up the car, on the way home, the coolant warning came back on the dashboard. 
I informed the dealer again, and they simply told me not to worry, that it was just a sensor giving a warning but that the coolant levels were fine. Then, on XX/XX/XXXX, the car started to overheat to the maximum level, emitted white smoke, and wouldn't start. 
I paid for a tow truck to take the car to my house and then to the dealership, and it was there for more than two weeks. They supposedly fixed it and gave it back to me on XX/XX/XXXX, but on XX/XX/XXXX, the check engine light and the coolant warning light came on again. I took it to a mechanic, and he said that cylinder 3 is faulty and the radiator is also showing a warning that it's not working properly.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am submitting this complaint against ChexSystems , Inc. for reporting inaccurate, incomplete, and identity-theft-related information on my ChexSystems consumer report. 

I discovered that one or more checking or deposit accounts listed on my ChexSystems file were not opened, authorized, or initiated by me. These accounts are the direct result of identity theft. The reported information includes adverse account history, incorrect balances, and negative status codes that do not belong to me and are factually false. 

Pursuant to the Fair Credit Reporting Act, specifically * * 15 U.S.C. 1681c-2 ( FCRA 605B ) * *, I submitted a formal identity-theft block request to ChexSystems. Along with my request, I provided proper identification and supporting documentation demonstrating that the reported accounts were fraudulent and the result of identity theft. 

Despite receiving this documentation, ChexSystems failed to comply with its statutory duty to block the reporting of identity-theft-related information within the required timeframe. ChexSystems either continued to report the disputed information or failed to conduct a lawful and reasonable investigation as required under the FCRA. 

ChexSystems continued reporting of this inaccurate and fraudulent information has caused material harm, including denial of banking services, account closures, and financial hardship. The information currently appearing on my consumer report is inaccurate, unverifiable, and legally prohibited from being reported once an identity-theft block request has been submitted with proper documentation. 

I HAVE INCLUDED IDENTITY THEFT REPORT PLEASE READ UPLOADED DOCUMENTS ATTACHMENTS.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I have contacted Venmo multiple times about not being able to make transactions with my bitcoin. I have about 60 dollars worth of bitcoin and am continually unable to sell it. It asks for verification, I put in the information, it accepts the verification, I go to sell my bitcoin, and an email comes through saying " your bitcoin transaction could not be made. '' I go to retry and the whole process starts over again. I have tried all of their fixes, and ultimately left with " try again later. '' My first attempt encounter with this issue was months ago. My first reach out to support was this past week in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this complaint to dispute inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off Accounts I dispute the following account : XXXX XXXX  Acct XXXX ( XX/XX/XXXX, balance {$2800.00} ) Please verify the balance, reporting date, and account status, and remove or correct any inaccurate information. 

Credit Inquiries I dispute the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( two inquiries ) XXXX XXXX XXXXXX/XX/XXXX Please verify each inquiry and remove any that can not be confirmed. 

Late Payments I dispute the following late payment : XXXX / XXXX Acct XXXX I request verification or removal if unverifiable.

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 2025-12-28 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: FL

Complaint narrative:
I am writing to dispute the following accounts on my credit report dated XX/XX/XXXX. I believe there are inaccuracies that require your immediate attention, in accordance with the Fair Credit Reporting Act ( FCRA ).

1. Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX The status of this account is incorrect, as it inaccurately reports late payments and collections. Please review and amend the reporting, or remove the account if necessary. 
2. Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/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 2025-12-28 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: AZ

Complaint narrative:
I am writing as a consumer to dispute certain inaccurate information on my Experian credit report. I am requesting an investigation and correction of the following items : 1. Charged-Off Accounts The following accounts are reporting incorrect balances or statuses : XXXX XXXX, Account : XXXX, Date : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX, Account : XXXX, Date : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX, Account : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX Account : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX. Inquiries I dispute the following inquiries, as I do not recognize or authorize them : XXXX XXXX XXXX FOR, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Late Payments I dispute the following late payments : XXXX, Account : XXXX XXXX, Account : XXXX I request that Experian investigate these items and correct any inaccuracies in my report. I have included supporting documentation where applicable.

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 2025-12-28 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$5400.00} Inquiries : No inquiries listed for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple hard inquiries appearing on my credit report that were not authorized by me. I did not apply for credit with these companies and did not give permission for my credit report to be accessed. 

Despite disputing these inquiries with the credit reporting agencies, they continue to be reported without documentation showing permissible purpose as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

These inquiries appear to be part of a pattern of unauthorized access associated with identity theft. The companies involved have not provided proof of authorization, signed applications, or evidence of consumer consent. 

I am requesting that all unauthorized inquiries be removed unless the companies can provide proper documentation demonstrating permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ).

Personal Information / Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Statement : I am disputing inaccuracies on my Experian credit report as follows : Charged-Off Accounts : XXXX XXXX  Account # XXXX, Opened XX/XX/XXXX, Balance {$140.00} XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$91.00} XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$25.00} XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$670.00} Late Payments : XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX Reason for Dispute : Some accounts are inaccurately reported or may not belong to me.

Late payment information may be incorrect.

Request : Correct or delete inaccurate entries.

Verify all accounts and balances.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am seeking assistance in recovering {$200.00} that was fraudulently withdrawn from my Venmo account. Venmo denied my fraud claim without providing any explanation and has failed to respond to multiple follow-up communications. As a result, {$200.00} was taken from my account without authorization and has not been returned. 

On XX/XX/year>, my Venmo account balance was {$360.00}. In the early morning hours of XX/XX/year>, at approximately XXXX XXXX, I received an email notification stating that {$200.00} had been transferred from my account to an individual named XXXX XXXX. I was not logged into my account at that time and did not authorize this transaction or any related activity. The withdrawal occurred without my knowledge or consent. 

Later that day, upon discovering the unauthorized transaction, I immediately contacted Venmo by phone at XXXX to dispute the charge. For security purposes, I also withdrew the remaining {$160.00} from my account. Approximately 15 minutes after reporting the fraud, I received an automated email from XXXX stating only, Your Venmo dispute case has been denied. The email referenced Transaction ID XXXX and Dispute Case ID XXXX but provided no explanation or documentation supporting the decision. The letter provided an email address for me to obtain a copy of the documentation we used in the investigation of your claim, please email us at XXXX. 

On XX/XX/year>, and as instructed in the response from Venmo, I emailed XXXX requesting documentation related to the denial and information regarding the appeals process. I received no response. I sent a second, formal appeal on XX/XX/year>, again requesting reconsideration of the decision and reinstatement of the {$200.00}. Venmo did not respond to this correspondence either. 

Thank you for any help which you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AZ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}

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