vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary of Issue On XXXX XXXX XXXX, I was charged {$55.00} for a Best BuyXXXX XXXX membership that I did not purchase or renew. 

Since then, I have spent extensive time attempting to resolve this issue with both Best BuyXXXX XXXX and Citi Bank XXXX but the situation remains unresolved. As a result, I have incurred additional late fees, interest charges, and credit score damage due to this unauthorized charge.

Timeline of Events XXXX XXXX XXXX : {$55.00} charge posted to my Citi Bank credit card for a membership I did not authorize.

Late XXXX XXXX : Contacted Best Buy, XXXX XXXX, and Citi Bank multiple times. Each referred me to the other. Best Buy could not locate the charge, but Citi Bank confirmed it. XXXX XXXX XXXX XXXX Visited Best Buy in p
erson. After 2+ hours with a representative and phone calls to XXXX XXXX and Citi Bank , I was promised a resolution and a follow-up call which I never received.


XXXX XXXX XXXX  : Contacted both Best Buy and Citi Bank again. Citi Bank agreed to open a dispute, remove late fees, and close my account upon my request. XXXX XXXX XXXX  : Citi Bank sent a letter stating that they successfully disputed only {$11.00}, completing their investigation.

XXXX XXXX XXXX  : Spoke with Citi Bank and Best Buy again. Citi Bank refused to remove the late fee. A Best Buy representative ( XXXX ) admitted the error, apologized, and promised reimbursement of the remaining amount within 50 business hours, providing reference number XXXX

XXXX XXXX XXXX : No reimbursement has appeared. After another lengthy call, Best Buy representatives claimed the charge was on my husbands card, which is incorrectour accounts are separate. XXXX XXXXXXXX Supervisor XXXX XXXX confirmed he could not see any charge and directed me back to Citi Bank. 

Current Status As of XXXX XXXX XXXX my Citi Bank account shows a balance of {$75.00}, including : {$45.00} past due amount {$1.00} in interest Continued late fees despite previous assurances these would be waived My credit score has been negatively impacted due to this unresolved issue. 
Every time I call Best Buy, different representatives provide different answers. 

Attachments Three Citi Bank statements showing the charge and current balance Letter from Best Buy Credit Services, dated XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am a Wells Fargo customer who is currently outside the United States. I have been unable to access my account or transfer my funds because Wells Fargo refuses to verify my identity through any method other than my U.S. mobile phone number, which I no longer have access to. 

I contacted Wells Fargo multiple times by phone and explained that I have left the U.S. and do not currently have a visa to return. I also informed them that my replacement debit card was sent to my U.S. address, but I have no one at that address to forward it to me. 

Despite providing my full identification details, account information, and answering security questions correctly, Wells Fargo refuses to update my phone number or allow any other verification method ( such as email, video verification, or notarized ID ). They also do not accept virtual U.S. numbers.

As a result, I am completely locked out of my account and can not access my own funds. Wells Fargo representatives told me there is no way to verify my identity without my old U.S. phone number, even though they acknowledge that I am the rightful account holder.

I have already contacted their international customer service line and digital banking team multiple times, and they have refused to escalate the issue or provide a solution.

I believe Wells Fargos policies are unreasonable and unfairly restrict access to my legally owned funds, especially for customers living abroad.

I am requesting : 1. That Wells Fargo provide an alternative verification method ( such as notarized documents or verification through a U.S. consulate ).

2. That my account access be restored or that I be allowed to transfer/close my account securely. 

I am not disputing a charge or transaction I am simply trying to access my own money and update my contact information in a secure, verifiable way.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
on XXXX i visited the atm located in the back of the branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. I proceeded to make a cash deposit not recalling the order of my bills in the amount of $ XXXX {$1200.00}. I placed my money in the atm deposit the door shut. The atm started making a noise for several minutes after about 5 mintues a message came up and stated a machine error has occured and we are unable to credit your account or return your attempted deposit contact financial institution. When i called the auto system stated i had made a deposit of XXXX cents thats impossible at an ATM. The next day i called bank the rep had not record of any of that not even the XXXX cents it had all disappeared. he created a dispute stating thats what they call a ghost transaction and the calls are recorded. He advised me that with the dispute that the investigation would tell down to the second that i used the atm what bills i inserted and in what format and the time each bill was inserted. i want that infomation The bank on XXXX gave me {$800.00} with no details i am requesting the details for clarification is to actual what i put in the atm an the correct dollar amount It. The bank is refusing to dig deeper and wants to be happy with that {$800.00} when i want the exact money i put in the atm to be created to my account.

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 2025-10-23 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-10-23 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
A scammer pretending to beXX/XX/XXXX called and said I would get discounted billing if I purchased {$900.00} XX/XX/XXXX gift cards to pay my bill. Then I paid for the cards with my debit card. Later, the bank refunded me {$900.00} while they investigated the fraud, only to come back XX/XX/XXXXdays later, stating I participated in this fraudulent activity. I did not want to be robbed. I was trying to pay my bill. I want to be reimbursed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: HI

Complaint narrative:
This complaint is not being sent in error. My credit report contains false and inaccurate information that does not fully or accurately reflect my financial history. These inaccuracies are causing me undue stress and negatively impacting my overall credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-10-23 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
i put money on my Cash App accounts and i bought stocks and bitcoin then as i was living on XXXX XXXX in XXXX tennessee i went out on the road driving for XXXX XXXX XXXX when i tried to open my account cards they were closed and several stocks had been sold i tried for XXXX years getting into my accounts and i was told you did not buy on percentage you change the symbols to buy on the dollar amount and i got the stocks for pennies under a dollar and that the dollar price went up way to high to emburst out to you sir and the phone was hung up in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Issue : American Express closed my credit card accounts on XX/XX/year>2025, citing indicia of misuse without providing any explanation. Despite my requests, they have refused to conduct an internal review of this decision. 

Facts : I have never engaged in any activity that could be considered misuse. All charges and payments were legitimate, made solely from my personal bank account, and my payment history with American Express has always been perfect and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
This is not a mistake. My credit report contains inaccurate entries that are harming my creditworthiness and causing real emotional and financial distress.

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 2025-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi bank closed my savings and my checking account without warning. Ive called XXXX times they will not tell me the reason why all they tell me is the decision is final and that I will receive a check within XX/XX/XXXX days and have left me with no funds, no access to any kind of money. Its not OKXX/XX/XXXXdays and not telling me the reason why should be illegal it must be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX of {$20.00} at XXXX XXXX XXXX XXXX {$40.00} at XXXX XXXX Amount of {$40.00} at XXXX XXXX Amount of {$130.00} at XXXX XXXX Amount of {$80.00} at XX/XX/XXXXXXXX XXXX Amount of {$50.00} at XXXX I called Cash AppXX/XX/XXXXXXXX XXXX2025 at XXXX in reference to money being taken out of my account from an unknown merchant. I tried to dispute the transaction but Cash App XXXX told me I needed to reach out to the merchant that I have no knowledge of and no information about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
I have been a customer with Schwab for many years without issue. In fact, they have offered excellent customer service, even though it was primarily an internet based relationship. In the past few days a rollover IRA was opened in anticipation of a lump sum payment of retirement funds from a previous company. In addition, I requested that they close an " old '' retirement account of my mother 's of which I was a joint account holder. She died in 2019. It was my belief that I had communicated with Schwab re : her death many years prior. I still provided another death certificate, online and in-person. The account only contained less than {$10.00}. My brokerage account had a XXXX balance and had not been used in an extended period of time. The checking account was extremely active with direct deposits and routine withdrawals, ie mortgage, etc. The balance was in excess of {$3000.00}. Within XX/XX/XXXX of having rollover IRA documents notarized at the XXXX, NC Schwab location with my wife, all accounts were closed. Upon calling and speaking with Schwab personnel, including supervisors, all indicated that this decision to immediately close all accounts was a " higher up business decision '' without further explanation. Supposedly, they are sending a cashier 's check with checking account funds to my attention by overnight air at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, an unauthorized ACH debit in the amount of {$49000.00} was withdrawn from my Chase bank account by XXXX XXXX XXXX XXXX XXXX. I did not authorize or initiate this transaction. 

I reported the unauthorized transaction to Chase on XX/XX/year>, which was well within the XXXX reporting period required under Regulation E. Despite my timely report, Chase denied the claim and marked the transaction as authorized without providing proof that I personally initiated or approved it. 

I also contacted XXXX XXXX after the funds were transferred to an account in my name that I did not open using my information. XXXX requested a photo of me with my ID to verify they were speaking to the real person, which I provided. This was done after the fraud occurred. XXXX has refused to close, freeze the fraudulent account or reverse my money back into my Chase account.

This transaction was not authorized by me, and I have been cooperative with both institutions. Chase has not provided any documentation showing actual authorization, and XXXX has not resolved the fraudulent account issue. 

I am requesting CFPB assistance to have Chase properly reinvestigate the claim under Regulation E and to have XXXX take appropriate fraud action to close or freeze the fraudulent account. This involves a significant amount of money, and I am over XXXX XXXX XXXX, making this a potential case of elder financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

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