vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I contacted chime about my Chime Builder Card. I explained to them that it was an account that I had attached to just deposit money into. I explained that I had turned in a burglary of my storage unit to the local authorities, but was unsure if the card was stolen from there. I ordered a new chime and chime builder card and I never received them. I ordered them again and got them, but have not activated them. I explained that I had also turned into the local authorities, FBI IC3, and SSA identity theft because I am currently dealing with that and had not had access to any online accounts. I was basically depositing money blindly. Upon the 4th regain of account access I found that all the money deposited was spent. I disputed this and I got a notice back less than 12 hours after I filed the dispute over the phone that there were no errors made by chime or their banking. Well that is not at all what I explained to them. I also offered to upload supporting documents to which I was told they would ask if they needed them. The problem here is not their banking procedures, it's the fact I have supporting case numbers and multiple agencies that this has been turned into and none of this was a factor and they refused to grant my dispute thus basically stealing all the money I put into that account and not honoring the fact I am supposed to have fraud coverage on Chimes behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I transferred {$100000.00} from my personal XXXX checking account to my Citibank online accounts. On XX/XX/year>, I wired {$30000.00} and {$25000.00} ( total {$55000.00} ) from my Citibank checking account ( ending in XXXX XXXX XXXX XXXX XXXX  ) to my verified XXXX XXXX  account. Shortly after, Citibank froze and closed * * both my checking ( ending in XXXX XXXX XXXX XXXX XXXX ) and savings account ( ending in XXXX XXXX XXXX ) without notice, holding the remaining {$45000.00}. I have made multiple phone calls to Citibanks customer service and fraud departments but have received no written explanation or resolution. I am requesting that Citibank release my remaining funds or provide a valid regulatory reason for continuing to hold them.

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 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
During my active XXXX  XXXX bankruptcy case in XXXX XXXX ( Case No. XXXX ), I made consistent monthly payments of {$1000.00} to my XXXX  XXXX Trustee as required under my confirmed plan. Despite this, Shellpoint/NewRez unilaterally added principal and interest to my mortgage account during the active casewithout court approval or a proper Notice of Payment Change under Bankruptcy Rule XXXX. 

This caused my required monthly mortgage payment to increase from {$1000.00} to {$6100.00}, while I was still protected by the automatic stay and making timely Trustee payments. My last accepted Trustee payment was XX/XX/2024, in the amount of {$1000.00}. The inflated payment demand made my plan unaffordable and forced me to dismiss my XXXX  XXXX case, even though I was in full compliance. 

My attorney did not object, the Trustee took no action, and the Judge allowed the change without review. I later learned that my attorney was paid over {$5000.00} through my plan, which I was unaware of until I received the Trustees closing statement. 

This conduct violated my confirmed plan, the automatic stay, and XXXX XXXX, causing severe financial and emotional hardship. I am requesting a CFPB investigation and full audit of my mortgage account and bankruptcy payment history, including a review of improper payment increases and lack of required disclosures by Shellpoint/NewRez.

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 2025-10-12 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: WA

Complaint narrative:
I am filing this complaint against TransUnion LLC for inaccurate and misleading reporting of a XXXX XXXX charge-off account on my TransUnion credit file dated XX/XX/XXXX ( File # XXXX ). 

The account details are as follows : Creditor : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance Reported : {$290.00} Pay Status : Charge-off Estimated Removal Date : XX/XX/XXXX What Happened This tradeline is being reported inaccurately and inconsistently with the Fair Credit Reporting Act ( FCRA ) and Washington States Fair Credit Reporting Act ( RCW 19.182 ) for the following reasons : 1. The Date of First Delinquency ( DOFD ) is approximately XX/XX/XXXX, yet TransUnion continues to show monthly charge-off updates from XX/XX/XXXX through XX/XX/XXXX, about 43 months after closure. 
This constitutes improper re-aging, misrepresenting the account as recently delinquent and artificially extending its negative impact.

Under FCRA 605 ( c ), the seven-year reporting period begins at the DOFDnot the date of last updateand can not be reset by continued furnishing. 
XXXX. XXXX XXXX, as a Buy Now Pay Later ( BNPL ) provider, is obligated under FCRA 607 ( b ) and RCW 19.182.020 ( 5 ) to ensure maximum possible accuracy.

Ongoing monthly charge-off updates long after closure violate this requirement.

3. I have never received any validation, signed agreement, or proof of lawful ownership confirming that this debt was legitimately extended, charged off, or collectible.

4. TransUnion has not demonstrated that it conducted a reasonable reinvestigation or obtained proper verification from the furnisher as required by FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ).

5. Repeated updates of a closed account may also constitute an unfair or deceptive practice under FCRA 623 ( a ) ( 1 ) ( A ) and RCW 19.182.150, since they misrepresent the accounts true status. 

If this same XXXX account is reported by XXXX  or XXXX, the same disputes, verification requirements, and corrective actions apply equally. 
All bureaus are required to maintain consistent and fully verified data under FCRA 607 ( b ).

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 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Good afternon, As soon as we were given the car every fault in the dash was. We returned it to get fixed the day off and we were not charged anything, we were told that the maintenance due to the car was, " XXXX XXXX XXXX XXXX, causing lights on dash, took for extensive test drive, all working normal '', XX/XX/XXXX was they day we bought the car and that same day we brought the car back. Since that occasion we had called credit acceptance to cancel the payment and return the vehicle, but we were declined. The car then was not given back to us until XX/XX/XXXX. On my daughters college volleyball senior night which was XX/XX/XXXX we gifted her the car. XX/XX/XXXX, my daughter had the same problem as I did when I first received the car. On XX/XX/XXXX we dropped of the car at the garage we were told to take the car if there was any problems. On XX/XX/XXXX we once again received the car and we were told a cylinder misfired and was fixed. We then gave the car back to my daughter and on XX/XX/XXXX every light on dash on the dash turned on. On XX/XX/XXXX we went to retrieve the car from my daughter at the college and we gave it to the garage the same day. Since the mechanic was on vacation for a bit of time we did not receive the car until XX/XX/XXXX we received the car, due to these problems being under the warranty we were not being charged. On XX/XX/XXXX the fuel level was not showing, we then turned in the car back to the garage and on the same day we received the car, we were surprised they fixed the car that quick. The fix was working for a while but then on XX/XX/XXXX, All the problems that happened before, happened again, the fuel pump was malfunctioning and all the lights on the dash were on and the car would not go over 20mph once again. We then found out they never changed the fuel pump in the car and only did a temporary fix, they also wanted to charge us for the new fuel pump, and the coolant was found in cylinder # 3 which caused another misfire. This takes us to today and which we have not received the car back, we were given a car for the time being, but we found out that they want to change the engine totally and the inspector agreed with the mechanic. The situation has been very frustrating since the car has been in the shop 5 times, when we have not completed one year of the loan. Now they tell me I need to pay for the engine when the problem was supposedly a factory problem. you can call me at XXXX or XXXX ( my girlfriend )

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 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Summary of Events Chase Bank XXXX and Insurance Error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chase Bank failed to make the full homeowners insurance payment from my escrow account. 

* I contacted Chase multiple times to confirm payment status ; each time they assured me the payment was correctly processed. 

* XXXX ( Approximately one year later ) : I discovered that the payment had not been made in full, resulting in an insurance lapse since XX/XX/XXXX. 

* Upon contacting Chase, they admitted the mistake. 

* My previous insurance company refused to renew coverage due to the lapse in policy. 

* After extensive effort, I secured a new policy with another insurer at a higher premium because of the lapse. 

* Chase then * * withdrew funds * * from my escrow account to cover force-placed insurance for the prior uninsured period. 

* I filed a * * Notice of Error * * with Chase on * * XX/XX/XXXX * *, outlining their responsibility. 

* On XX/XX/XXXX, Chase responded, insisting that the force-placed insurance was necessary, despite acknowledging their original payment error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
I am submitting this complaint against Equifax, TransUnion, and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations Metro 2 compliance standards.

I am a confirmed victim of identity theft caused by the Equifax and TransUnion data breaches. As a result, my personal information was exposed and my credit report now includes inaccurate, unverifiable, and misleading information that has not been corrected despite multiple disputes.

The following accounts are being reported in violation of federal law and Metro 2 reporting requirements : XXXX XXXX : Reported as a charge-off or collection without any written verification or permissible purpose. If a 1099-C was filed, continuing to report a balance is misleading and violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as Metro 2 2.2.2. 

XXXX XXXX XXXX XXXX : Reported as a collection/charge-off with an open balance but no contractual proof or validation. The bureau also failed to apply the Compliance Condition Code = XB when I disputed, violating FCRA 609 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and Metro 2 1.3. 

XXXX XXXX Services : Fraudulent account that does not belong to me. Reporting unverifiable or unauthorized information violates FCRA 605B ( b ), 623 ( a ) ( 6 ), and Metro 2 6.2. I am requesting immediate identity theft blocking under FCRA 605B and 609 ( e ). 

XXXXXXXX XXXX : A paid and closed mortgage account is being reported with an inaccurate late payment. This violates Metro 2 1.3 and 2.1, and FCRA 607 ( b ).

I have submitted multiple disputes and none of the credit bureaus have provided proper verification, reinvestigation results, or accurate corrections. This continued reporting violates FCRA 605 ( a ), 605B, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

I am requesting immediate reinvestigation, deletion, or correction of all inaccurate and unverifiable accounts, along with full source documentation under FCRA 609 ( a ) ( 1 ) ( A ).

I am also requesting identity theft blocking within four ( 4 ) business days as required by FCRA 605B. 

Failure to comply will result in escalation for willful and negligent noncompliance under FCRA 616 and 617. 

A sworn affidavit and supporting documentation are attached for verification.

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 2025-10-12 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: TX

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 2025-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am in the process of getting an auto loan and called Capital One about a card I never received. I explained to them that I have had multiple accounts created with them unknown to me and this was one I applied for, however I never received it in the mail. I talked to them over the phone and explained this to them in XX/XX/year> this was an ongoing issue for years and I have no access to any accounts through them and haven't for over 5 years. I called back to dispute the charges XX/XX/year> as I had just discovered the account charges. I fully explained this to their dispute team. I also informed them that this is a part of an ongoing investigation through my local authorities, the FBI IC3, and the SSA. I have an appointment with the SSA on XX/XX/year> and I requested the identity theft paperwork. I also expressed my concern about this being reported to the credit bureaus. They assured me they would mark it as fraud and not include it on my credit report. I just got an email from them expressing that I have financial options to pay off this debt and it is still being reported to the credit agencies. I also never got my identity theft packet, just a bill. I need that for the SSA. I also want them to block this from my credit report as it is not my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2025 got a call from XXXX Citicard at XXXX some XXXX lady telling me that my credit card ending in XXXX had a transaction of {$640.00} and some change and if I authorized this transaction, I yelled at her and hung up as I dont have a Citicard ending in XXXX. Today again I got a call from XXXX Citicard and same XXXX XXXX or XXXX  lady telling me card ending in XXXX had a transaction of {$2000.00} and some change and if I authorized this transaction. This time she know my name. I did call Citicard and inform them that someone in the company is stealing information for scam and fraud. Lets see if my complaint was actually filed by XXXX XXXX another XXXX lady ) and lets see if any action is taken.

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 2025-10-12 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts is both alarming and distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
Collection accounts appear on my credit report that I believe contain inaccuracies. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX went and reviewed my account on Experian and found that there are five hard inquiries on the Account in my Name from XXXX  XXXX and XXXX XXXX stating that I have accounts On XX/XX/XXXX there is an account with my name on it. So I called XXXX XXXX and recorded the phone conversation from beginning to end. Everyone I talked to says that there is an account opened with my Name using my social security Number and someone else 's birthday. I recorded the conversation on XX/XX/XXXX and spoke with XXXX. His Employee Identification number is XXXX. XXXX could not answer any of my questions so he transferred me over to XXXX AKA XXXX her Employee Identification Number is XXXX in customer protection. XXXX then transferred me over to the Checking Account department and she told me that nothing that the other representatives haven't already told me before. They all stated that there is an account in my Name with a different birthdate, different phone number, and a different address, in my name. I am not understanding why this information is on my credit report and the impersonator was able to use a different birth date. yet it's on my report. I have never applied for a credit card or opened an account with 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 2025-10-13 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: CarMax, Inc.
State: MD

Complaint narrative:
I am filing a complaint against CarMax Auto Finance for failing to conduct a reasonable investigation after being notified of a dispute by XXXX under the Fair Credit Reporting Act ( FCRA ). 

My Experian credit report still lists a CarMax Auto Finance account ending XXXX as XXXX, XXXX. {$32000.00} written off with the comment Completed investigation of FCRA dispute consumer disagrees. This proves CarMaxs reinvestigation was perfunctory and failed to correct or delete unverifiable information. 

Under 15 U.S.C. 1681s-2 ( b ) and controlling case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * a furnisher must review all relevant information and delete or modify data it can not substantiate. 

CarMax has not provided any documentary proof supporting this tradeline, such as the original retail-installment contract, full payment ledger, or assignment history, yet continues to furnish the same inaccurate information to Experian. This violates 1681s-2 ( b ) ( 1 ) ( A ) ( D ) and demonstrates willful non-compliance.

Company response to consumer: Closed with explanation