vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccurate, incomplete, and unverified information being reported across my credit files by Equifax, Experian , and TransUnion. I dispute the reporting of multiple inaccurate addresses associated with my profile, including XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, as these addresses are either incomplete, incorrectly formatted, or not fully associated with my accurate identifying information. I also dispute inaccurate personal identification data including the reporting of the name XXXX XXXX XXXX as it appears to be incorrect and/or inconsistently applied across my credit profiles. Additionally, I am disputing derogatory late closed account reporting that is being reflected with XXXX balances, including XXXX XXXX XXXX ( reported with 30-day late status and last activity dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under varying account references ), and XXXX XXXX ( reported closed with alleged late status and last activity date of XX/XX/XXXX, including account reference XXXXXXXX XXXX XXXX ), as I believe these tradelines are either inaccurately reported, inconsistently duplicated, or not properly verified as required under the Fair Credit Reporting Act. I further dispute hard inquiries that I did not authorize or that I believe are inaccurately attributed to my file, including XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). Finally, I dispute the accuracy and completeness of public record reporting, including XXXX XXXX XXXX filed/reported XX/XX/XXXX ( Reference # XXXX, U.S. Bankruptcy Court ) and XXXX XXXX XXXX filed/reported XX/XX/XXXX ( Reference # XXXX, U.S. Bankruptcy Court ), to the extent that these items may be incomplete, improperly matched, or inaccurately maintained across reporting agencies. I request a full reinvestigation of all disputed items, verification from original furnishers, correction or deletion of any information that can not be fully verified, and synchronization of corrected data across all three credit bureaus.

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 2026-06-09 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: IN

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccurate, incomplete, and unverified information being reported across my credit files by Equifax, Experian , and TransUnion. I dispute the reporting of multiple inaccurate addresses associated with my profile, including XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, as these addresses are either incomplete, incorrectly formatted, or not fully associated with my accurate identifying information. I also dispute inaccurate personal identification data including the reporting of the name XXXX XXXX XXXX as it appears to be incorrect and/or inconsistently applied across my credit profiles. Additionally, I am disputing derogatory late closed account reporting that is being reflected with XXXX balances, including XXXX XXXX XXXX ( reported with 30-day late status and last activity dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under varying account references ), and XXXX XXXX ( reported closed with alleged late status and last activity date of XX/XX/XXXX, including account reference XXXXXXXX XXXX XXXX ), as I believe these tradelines are either inaccurately reported, inconsistently duplicated, or not properly verified as required under the Fair Credit Reporting Act. I further dispute hard inquiries that I did not authorize or that I believe are inaccurately attributed to my file, including XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). Finally, I dispute the accuracy and completeness of public record reporting, including XXXX XXXX XXXX filed/reported XX/XX/XXXX ( Reference # XXXX, U.S. Bankruptcy Court ) and XXXX XXXX XXXX filed/reported XX/XX/XXXX ( Reference # XXXX, U.S. Bankruptcy Court ), to the extent that these items may be incomplete, improperly matched, or inaccurately maintained across reporting agencies. I request a full reinvestigation of all disputed items, verification from original furnishers, correction or deletion of any information that can not be fully verified, and synchronization of corrected data across all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
My audio company did radio advertising work for XXXX XXXX XXXX XXXX and payment needed to be received in the form of credit card, so I created a Square account to receive payment. The payment was {$9000.00} but after square fees the total I was to receive was {$8800.00}. As soon as the transaction was made, Square deactivated the account. I received an email from Square support on XX/XX/XXXX, stating the account had been deactivated, but no reason why. Also it said 'any funds currently in your account balance will be held for a period of XXXX days, and are due to be released to you within XXXX business days after XX/XX/XXXX. ' It is now XX/XX/XXXX and the balance is still showing as paused. I have contacted Square support many times and all they can say is I must wait, but they give me no other information. I have all the documentation needed to prove this is a legitimate transaction. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I noticed an unauthorized charge in my account for {$940.00} and immediately called Bank of America to investigate. They said it was a purchase made and still processing from XXXX. I informed them that it was not I or my wife. I do not have an XXXX account but she does yet it was not her. The bank then reversed the charges a few days later pending investigation. A claim was opened immediately, and a new debit card was issued. On XX/XX/year>, Bank of America closed the claim citing it was authorized based on merchant 's response which relied on an XXXX/address match and their research team justified the transaction. I then appealed the claim and asked then to investigate further. I insisted that they research tracking information and proof of delivery and to find out from XXXX what the XXXX address was for the user who made the purchase. I also informed them that the email address on the XXXX receipt they had provided was not my email address. On XX/XX/XXXX, I received an update on the claim that it was denied again. I then reached back out and asked for proof of delivery and tracking information or what evidence was used to deny the claim. They were unable to provide and instead cited the XXXX match, and also based it off my wife 's prior purchase history on XXXX. They also would not let me reopen the claim. I then attempted to speak to an agent on XXXX and opened a ticket # XXXX. XXXX own support ticket XXXX confirms the order was placed as a guest using an email address that is not mine, and XXXX provided tracking showing only Shipment information received in XXXX XXXX, XXXX, with no delivery confirmation. XXXX agent also stated that although XXXX system says shipped/completed, the tracking shows otherwise. The XXXX tracking number on the order was not valid ( 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 monetary relief
Consumer complaint received 2026-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX XXXX XXXX on behalf of Barclays Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Groups filed a judgement against me on behalf of Barclays Bank. I as the defendant won the case due to this not being my account. XXXX then filed an appeal. I was not notified of this. I have lived at the same address for 19 years and XXXX XXXX XXXX began sending notices to an unknown address, which is not mine. XXXX XXXX XXXX was then able to freeze my bank account due to me not responding to paperwork sent to an unknown address. XXXX XXXX XXXX will not speak to me. My sole income is Social Security which is exempt under federal law 42 U.S.C. 407. XXXX XXXX XXXX will not speak to me and has not lifted the freeze on my bank accounts.

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union regarding the restriction of my funds and its attempt to close my account while continuing to hold money that belongs to me. On or about XX/XX/XXXX, a check was deposited by a Navy Federal teller into my personal account instead of the intended business account. I had no knowledge of this error at the time. Shortly afterward, Navy Federal contacted me to verify the check and the amount. The check was verified, processed, and cleared through the normal banking process. The funds were released by Navy Federal, and I later transferred the money to my business account using Navy Federal 's own online banking system. Weeks later, Navy Federal suddenly changed its position and began claiming there was an issue with the transaction. Representatives provided conflicting information, could not clearly explain what was happening, and repeatedly asked me to complete forms instead of providing facts. I did not engage in any fraudulent activity, and I relied on Navy Federal 's verification, approval, and release of the funds. I have now been notified that Navy Federal intends to close my account while also suggesting that my funds may not be returned. This is unacceptable. If Navy Federal no longer wishes to maintain a banking relationship with me, then the account should be closed and all funds belonging to me should be immediately released and returned. Navy Federal should not be permitted to hold my money indefinitely after verifying and clearing the transaction. I am requesting immediate intervention and assistance in securing the release and return of all funds being held by Navy Federal. I want my accounts closed and my money returned without further delay. Thank you. The amount being help is around around $ XXXX {$37000.00} XXXX unsure of the balance as my accounts were being used and they just froze them so I wasnt able to check and they didnt even tell me the balance as they put my account on XXXX because they are trying to take the money and keep it for themselves!!! This is the only thing I received from them week after verification and the money has been used, I attracted a letter below I received from them via email after the closed the account after the check was deposited into the account twice they said, and after it was reported fraudulently this is weeks after they did FULLY verify the money!!!!! Sad unbelievable and unprofessional!!! Would like to also state that this is the first issue with this bank but it is nasty that they would conduct themselves like this like blatantly lying to the customer of the account and making up stories is unprofessional!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, approximately {$110000.00} was transferred through my Truist checking account. On XX/XX/year>, Truist sent me a letter titled Notice of Blocked Truist Account stating that the account had been blocked due to alleged suspicious and/or unusual activity and that additional research was needed. The letter stated that the account was restricted from further transactional activity and that Truist was considering closing the account. Despite receiving this notice, I was not provided with a clear explanation of the specific activity that caused the restriction, the status of the funds, or what documentation was relied upon by the bank. I repeatedly sought information regarding the handling and disposition of the funds and requested records explaining the banks actions. My account statement reflects activity during this period, including an IRS payment of {$17000.00} on XX/XX/year>. However, I have not received a complete accounting explaining the treatment of all funds transferred through the account, the basis for the restriction, whether any funds were retained, transferred, or otherwise affected, and the outcome of the banks investigation. I am requesting that Truist provide a complete accounting of all funds transferred between XX/XX/year> and XX/XX/year>, copies of all records and notices relating to the account restriction, the specific reason for the account block, the outcome of any investigation, and a detailed explanation of all actions taken regarding the funds. If any funds remain restricted or were improperly withheld, I request that the matter be corrected immediately.

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 2026-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I have called every single day since this had become a problem. I believe the date was XXXX anyways I had deposited a check into my account which cleared, I had then tried to transfer the money out since I have yet to receive a card from this bank and after being told that it was an immediate wire transfer the banker told me it would take XXXX hours. I waited XXXX and still the money had not been XXXX called numerous times and have gotten nowhere with this company

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I received a text message from Wells Fargo asking if I recognized a declined transaction for {$980.00} at XXXX. I didn't see the Text message until XXXX at which point I replied " NO ''. I then went into my account and saw that multiple transaction that I did not recognize in my account. I also saw that Wells Fargo credited me back the {$980.00} that I said I didn't recognize, and that it was removed again after it was credited back to me. I called Wells Fargo immediately at XXXX and reported that I did not authorize these transactions. I was told that my card as cancelled and would have a ne w one sent out and that they will conduct an investigation which could take up to 10 business days. I received a message in my Wells Fargo app stating that the investigation was closed but I wasn't given the results. I called in and I was told that the investigation was closed and I would get my money back because they said the transactions were authenticated by my phone, which if not true. I have XXXX XXXX footage of me during the time these trans actions were occurring and I am not touching my phone. I filed a police report and printed out all my call logs and text message threads to show Wells Fargo and the banks at my local branch saw the everything I said lined up and was truthful and she schedule me to come back so she could talk to the Frau department and when I did come back they told me that unfortunately they couldn't give me my money back and there was nothing else they could do 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 non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
exhibit a proof the account was open in person I was fully verified exhibit XXXX I have the debit card and the account number by day XXXX after opening the account they y TRUIST bank stated it was fraud I am XXXX this bank is in a small white town and not XXXX XXXX employee I suspect violations of the XXXX of law also I suspect criminal activity they simply closed my account because they said there was a login from a different country thehat is not fraud and should not be labeled as fraud if I allowed a friend to access my account because I have a right to give access to whom I want to have access to my account as power of attorney and that should not fall under fraud TRUIST bank didn't call me and ask me one question before they moved forward with the closing of my account- they should have called me and asked about the login. no money was involved before they put me on the suspected fraud list it was doue to a out of state login. if my answer was yes that was permitted then they should have respected that and said we XXXX verified with the account holder that the login attempt was valid no here is where the violation is of my rights they told me no you cant have a financial advisor look into your account or power of attorney so we close your account due to fraud. number XXXX fraud isn't the correct category to label it under. number XXXX it seems you want to keep XXXX people out of the TRUIST bank and there are no XXXX employees at the XXXXXXXX XXXX XXXXXXXX. I know that my account was opened one day and by day XXXX they said fraud with nothing but a login from another country that a logging was done I have friends abroad. I'm allowed to I'm sorry I don't small town so I can see how your personal bias affected your decision and that plays no role in my banking. I could have verfied and ok the login its my account I approve instead they ran to close my account with no proper investigation and that made me feel less than a respected human being in the state when it came to banking by TRUIST bank.

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 2026-06-15 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Unresolved disputes my account was closed I reported it to the CFPB the accounts were opened and then it was closed for no reason after I was told the balance I paid for unauthorized charges would be refunded for over payment

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 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was sued by Barclay Bank of Delaware in XXXX of XXXX. I won the judgement as the defendant. Now, in XXXX, this credit card company, along with their attorney, has filed a default judgement against me without properly serving me or mailing any paperwork to my correct address. The statute of limitations in XXXX is XXXX years. It is now well beyond XXXX years.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I closed my checking account with Truist bank on XX/XX/XXXX. I was told that upon closing the account anything presented after this date would be rejected. Since I was un-aware of anything that may have been outstanding, I said that was fine and to go ahead and close the account. Fast forward to XX/XX/XXXX I receive a monthly statement in the mail from Truist dated XX/XX/XXXX. Needless to say I was shocked. # 1. They had re-opened the account without my knowledge due to a GA state rebate deposit that I was unaware would be arriving. The rebate was direct deposited on XX/XX/XXXX where it should had been rejected and sent back to the state to cut a paper check. The state of GA only had my account information because I paid my taxes due from this account. I wasn't aware that there was a rebate in the works for Georgia citizens. # XXXX Not only did they re-open my account without my knowledge, they proceeded to charge me a {$12.00} service charge on this account! XX/XX/XXXX I went into Truist branch XXXX to discuss the matter and Truist Representative XXXX XXXX XXXX XXXX was extremely unhelpful. Telling me Truist had the right to re-open the account within 30 days and that he would not refund the {$12.00} service Fee. I feel this is very deceptive money grab since I was never even notified the account had been reopened by Truist. This account could had stayed open indefinitely if for some reason the statement got lost in the mail since this was the only point in which I realized the account had been re-opened. The account was closed once again while in the branch on XX/XX/XXXX but I believe Truist stole {$12.00} from me by re-opening my account without my knowledge or ever making me aware. I request that money be refunded to 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 non-monetary relief