vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Merchant : Individual provider ( sales coaching ) merchant : XXXX XXXX Payment processor involved : XXXX ( processor, not merchant ) My Wells Fargo dispute case numbers : XXXX, XXXX, XXXX What happened Wells Fargo declined to meaningfully investigate several credit-card transactions paid to an individual service provider and processed via XXXX. The services were misrepresented as structured, measurable performance coaching, but in practice were not delivered as described : there was no written contract/XXXX, no assessments, no performance metrics, no session logs, and only one invoice despite multiple payments. I supplied contemporaneous emails requesting deliverables and refund demands. 

I am a person with a XXXX. My condition and treatment caused cognitive and functional limitations that impeded my ability to promptly detect and contest the merchants misrepresentations. I requested reasonable assistance/accommodations from Wells Fargo once I understood the scope of the issue. Wells Fargo declined to assist, stating that charges older than six months were not eligible for review. My understanding is that the Truth in Lending Act/Regulation Z ( 12 C.F.R. 1026.13 ) imposes a 60-day notice window for mandatory billing-error rights, but it does not prohibit an issuer from voluntarily investigating or providing relief beyond that window. Card-network rules and bank policies often permit discretionary chargebacks or good-will credits where circumstances warrant. I asked Wells Fargo to : ( 1 ) treat the individual seller as merchant of record ( XXXX is only the processor ), ( 2 ) request proof of service from the merchant ( contract/SOW, assessments, session logs, invoices ), and ( 3 ) consider my XXXX in handling and timing. Wells Fargo did not do so and closed cases XXXX, XXXX, XXXX. 

Why this is a problem Wells Fargo relied on an internal age policy rather than evaluating misrepresentation and absence of deliverables, despite my XXXX disclosure and accommodation request. 

The bank appears to have treated XXXX as the merchant, although XXXX functioned as a payment processor ; the merchant of record is the individual provider who received funds and should be asked for proof of service. 

I requested reasonable modifications to dispute handling ( clear written communications, help obtaining merchant documentation, reconsideration in light of impairment ) and did not receive meaningful accommodation.

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 2025-10-09 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of sales or a Deficiency Balance Notice, which are required. XXXX XXXX account ending XXXX, should be removed from my credit report. Also, Exeter Finance, account number ending XXXX. I would also like all hard inquired deleted off all three Bureau as well. This has prevented me from purchasing a vehicle with this inaccurate information. Please note that my current name and email has been sent to all Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I made all required mortgage payments, but Rocket Mortgage misapplied funds and created a false delinquency. My normal monthly payment was {$2100.00}. On XX/XX/XXXX, Rocket applied my {$2100.00} payment to XXXX. On XX/XX/XXXX, they received an additional {$500.00} in mortgage assistance from XXXX XXXX XXXX, but instead of applying it toward the XXXX or XXXX installment, they placed it in suspense/unapplied funds. 

From that point, Rocket carried my account as one month behind and added about {$690.00} in late fees, plus recurring Escrow Advance Recovery charges. Their own ledger shows the {$500.00} remained in suspense for months while I continued making regular payments through XX/XX/XXXX. Rocket also made lump-sum escrow disbursements ( {$480.00} for county tax on XX/XX/XXXX ; {$1100.00} for homeowners insurance on XX/XX/XXXX ) which increased the account imbalance. 

I sent a formal Notice of Error on XX/XX/XXXX, requesting correction and a payment application history. Rockets XX/XX/XXXX response stated there was no error and claimed partial payments cant be applied. However, in XX/XX/XXXX Rocket held {$2600.00} total ( {$2100.00} + {$500.00} ) more than enough to satisfy the XXXX installment and roll {$500.00} forward. 

Because Rocket chose to hold the assistance in suspense, it created ongoing late fees and false delinquency reporting. I am requesting that Rocket : ( 1 ) apply the {$500.00} to XX/XX/XXXX ; ( 2 ) reapply XXXX payments to correct due dates ; ( 3 ) remove all late fees ; ( 4 ) waive the {$1600.00} carryover XXXX  they caused; and ( 5 ) correct any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have noticed collection accounts on my credit report that I believe may include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I am requesting that these accounts be investigated, and if their accuracy can not be confirmed, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Kikoff Lending LLC [ Collection Agency Address ] Subject : Debt Validation Request Account # XXXX Dear Kikoff Lending LLC, This letter is sent in response to an entry appearing on my credit report from your company. Please be advised that this is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

I am not refusing to pay ; however, I request that you provide proper documentation verifying that I am legally obligated to pay the debt you claim. Specifically, please provide : 1. The name and address of the original creditor.

2. The original account number and the date the account was opened.

3. The date of last payment and an itemized balance, including all fees and interest.

4. A copy of the original signed contract or agreement with my signature.

5. Proof that your company has been legally assigned or purchased this debt and has the right to collect in my state.

Until such documentation is provided, please cease all collection activities, including reporting to any credit bureaus, as doing so without proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not provide the requested information, please remove the account from all credit reporting agencies XXXX XXXX XXXX and XXXX ) immediately and confirm in writing that you have done so.

Please respond within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a citi mobile banking account, a virtual card was on my account I used it to deposit XXXX. The following day my account was logged out and closed down by citi bank. They said a check was was mailed. I called months later informed them that a check was never received, they claimed they can see the check was not cashed they would get a check sent out and start an investigation. 2 years later I called to check on my XXXX check, now they are saying my social is not in the system they have nothing for me and no information in their system for 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 explanation
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPT ED/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX 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 FRAUDULENT INQUIRIES : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and unfair reporting practices by various financial institutions and creditors that have severely impacted my credit report. Despite my efforts to resolve these issues directly with the creditors, the following accounts remain inaccurate, misleading, or unfairly reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$700.00} Reported as Late Payment XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Reported as Late Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} In Collection Additionally, there are multiple unauthorized or questionable credit inquiries on my report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These reports contain numerous errors and misrepresentations, including late payments on accounts that are either paid in full or not past due, as well as potentially unauthorized inquiries. Such inaccuracies are causing significant damage to my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB : Investigate these inaccurate and misleading reports.

Direct the respective creditors and credit reporting agencies to correct or remove all false, outdated, or unverifiable information.

Ensure that any collections or late payment notations that can not be verified are immediately removed from my credit report.

Provide confirmation in writing that these corrections have been made.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
Yes, I been trying to contact robinhood regarding my account being deficit? I'm not sure what this supposed to mean but I'm not getting any help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
n XX/XX/year>, I filed a dispute with Citi regarding a {$1600.00} transaction with XXXX XXXX ( XXXX ). The charge was for a business-class upgrade for my mothers flight. Her flight was canceled, and she never received the upgrade service. 
Citi opened the dispute and issued a provisional credit while the investigation was ongoing. 
On XX/XX/year>, I received a letter from Citi stating that I had lost the dispute, even though no one from Citi contacted me or requested evidence during the process. The letter also stated that the provisional credit would be reversed on XX/XX/year>, and instructed me to email any supporting documentation if I had additional proof. 
I immediately sent the supporting evidence to the provided email address, referencing the dispute ID ( XXXX ). Despite this, Citi reversed the provisional credit early, on XX/XX/year>, three days before the date indicated in their own letter, which caused undue financial harm and was inconsistent with their stated process. 
On XX/XX/year>, I called Citi to follow up and was informed that I had lost the appeal regardless of the proof I had submitted. No explanation or review acknowledgment was provided, demonstrating a lack of fair investigation and due process.

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 monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had a mortgage with Navy Federal for 2.5 years now. My original monthly payment was {$1900.00}. This then has gone up every year and I understand it's because of an escrow shortage due to rising taxes and insurance. However, I have never received an escrow analysis notifying me of my escrow shortage for both years because they failed in maintaining accurate client records. They were sending my notifications to the wrong address. I applied for the mortgage stating that the new address would be my primary address and I have never received anything asking to update my information. This has caused them to fail at notifying me of the escrow shortage. They are legally required to both maintain accurate client records and notify clients of escrow shortages. They failed on both. This resulted in unexpected raises in monthly payment without the option to pay the shortage in one lump sum. I am a first time homebuyer and none of this was ever explained to me. I am only learning of this now because of their failures. This has brought financial hardship on my family and I have asked them to correct it and they said they can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
I am filing a complaint against Umpqua/Columbia Bank for an account freeze and lack of required notice in violation of Regulation CC ( 12 CFR 229.13 ) and related consumer-protection standards. 

On XX/XX/year>, the bank froze my checking and savings accounts after I deposited three legitimate refund checks totaling approximately {$3600.00} ( from XXXX XXXX XXXX, XXXX XXXX, and my telephone company ). I immediately contacted the bank and confirmed I made the deposits myself. Despite this, my online banking access was locked, my debit card disabled, and I was told the bank could hold the account as long as they need with no estimated resolution time. 

As of XX/XX/year>, I have received no written notice explaining : when the hold was placed, the reason for the restriction, or the expected duration of the investigation.

Under Regulation CC 229.13 ( g ), a bank that places an exception hold must provide written notice to the account holder no later than the next business day after the hold is applied. The bank has failed to do so. It has also imposed a blanket freeze on all my funds ( checking, savings, and HELOC availabilityapproximately {$80000.00} total ) even though the flagged deposits represent less than 5 % of my total balance.

This excessive, indefinite restriction has caused financial hardship and imminent late-payment penalties, despite my full cooperation and ability to verify the legitimacy of the deposits.

I am requesting that : 1. The bank provide written documentation showing the date/time and legal basis for the freeze.

2. All legitimate funds unrelated to the questioned deposits be immediately released.

3. Any fees, interest, or credit damage resulting from the banks inaction be reimbursed.

4. The CFPB review this case as a potential unfair or abusive practice ( UDAAP ) under 12 USC 5531, given the lack of notice and disproportionate scope of the freeze.

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 2025-10-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation