vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AZ

Complaint narrative:
on or about XX/XX/2019 i called my debt card company XXXX XXXX XXXX XXXX and told them that i did not make certain purchases totaling {$180.00} from XXXX XXXX XXXX XXXX XXXX XXXXhe fraud section from XXXX XXXX  debt card company started an investication that day, 10 days later i did not recieve the credit of {$180.00} to my account while the investigation continued. the fraud dept wrote me back and said that i made those charged purchases and just droped the case with no reasons. i did not make those charges i only make enough money to barley survive. the {$180.00} caused harm and worry that i did not deserve. i feel XXXX XXXX  owes me {$180.00} plus intrest and pain and suffering to the total of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Applied in XX/XX/year> for Chase Slate card and attempted for several weeks to initiate a balance transfer from external card. After many attempts, it finally went through and we awaited the balance transfer and after 3 weeks called and were told they needed to verify the account to make sure it wasn't fraud. The account was cleared and received verbal confirmation that the transfer would be initiated the next day. After waiting a week, we called back as it never went through, and we're told there was an issue and it was declined. We never received anything in the mail, were told there were no issues with the account and they would try to put it through again, but the system was down ( we tried about a dozen times initially but the system kept failing every time as well ). They said please call back tomorrow or in a few days. We let the weekend go by and tonight called again to be told the same thing. Our account is in good standing, no issues, but declined and their " system is updating '' so they can not do balance transfers at this time and to call back tomorrow. We requested the 0 % promotional rate be extended due to the issues on their end and their inability to deliver the advertised product that we signed up for. If their system issues are unable to accommodate the product they are offering, they should be held responsible for those delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. 
18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation. 
15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX  Account Number : XXXX 10. XXXX Account Number : XXXX 11. XXXX XXXX Account Number : XXXX 12. XXXX XXXX XXXX Account Number : XXXX 13. XXXX XXXX Account Number : 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 2025-11-16 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: OR

Complaint narrative:
Complaint Against : Citibank Issue Type : Credit card dispute handling / billing dispute Product : Credit card What happened? 

In XX/XX/year>, I disputed a XXXX XXXX charge for an order ( Order # XXXX ) involving two XXXX XXXX XXXX devices. When the package arrived via XXXX, one of the XXXX  was missing, although the corresponding strap was still inside the box. The other XXXX  was unopened and intact. The box showed no signs of tampering, and I provided a photo of the box to XXXX XXXX. 

Over the following days, my wife and I followed every instruction given by XXXX XXXX including returning : The unopened XXXX  XXXX XXXX The opened XXXX  box containing the strap but not the device The original shipping box XXXX XXXX Customer Service repeatedly assured us : A replacement order would be issued, OR A full refund would be processed upon receipt of the returned package We received these assurances multiple times by phone and in-store. However, after XXXX XXXX received the returned package on XX/XX/XXXX, they issued only a partial refund minus a restocking fee. When we called to fix this error, we were told the email was system generated and that a full refund was being processed. No refund followed. 

Subsequent calls resulted in agents telling us that because we signed for the delivery, XXXX XXXX would not assist, and they disconnected when we attempted to escalate to a manager. I explained that signing for delivery is not confirmation of package contentsthis is supported by XXXX  policies, the FTCs Mail Order Rule, and Visa/Mastercard merchant rules. Consumers are not required to open packages in front of couriers. 

When I disputed the charge with Citi, they denied the dispute based solely on the existence of a delivery signature, without acknowledging : The missing merchandise The documented return of the entire package XXXX XXXX  receipt of the returned items XXXX XXXX  contradictory statements and failed assurances The photo of the box showing no tampering That we complied fully with all merchant instructions Citi did not conduct a reasonable investigation as required under the FCBA and Regulation Z, instead relying solely on the merchants version of events despite compelling evidence and merchant contradictions.

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 2025-11-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I XXXX XXXX, am writing to file a formal complaint regarding ongoing issues with my XXXX card issued by Comerica bank, which have caused significant hardship and prevented me from accessing my funds.

Summary of Issues : 1. Repeated ID Verification Failures and Suspensions Every time I submit my identification as requested, my card is suspended shortly afterward. I have complied with all requests to verify my identity multiple times, yet the suspensions continue without explanation.

2. Conflicting Instructions from Support and Local Office : I have contacted my local office as instructed by your representatives.

The local office explicitly directed me to call the number on the back of my XXXX XXXX ( comerica ) for any account-related issues, stating they have no authority over card suspensions or verifications. 
Despite this, your team continues to redirect me back to the local office, creating an endless loop that leaves my issue unresolved. 
3. Recent Interaction with an Advocate ( XX/XX/2025 ) : \nThree days ago, I spoke with a XXXX XXXX advocate who assisted me in lifting a prior suspension. The card was reactivated, and I was able to use it briefly.\nHowever, the card was suspended again shortly afterward without any notification or reason provided. This pattern of temporary resolution followed by re-suspension is unacceptable and suggests a systemic issue with your verification or account management process. 
Impact : These repeated suspensions have left me unable to pay bills, purchase necessities, or access funds I am entitled to receive. The conflicting guidance between your team and the local office has wasted significant time and caused unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Eastside Funding LLC
State: WA

Complaint narrative:
this is a fraud case involving negligence from the bank sending the construction loan to other llc XXXX XXXX XXXX XXXX XXXX not the one is in our contract ( we are 3 investors XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( this lasts who in charge of the project ) the bank eastside funding approved send funds to XXXX XXXX XXXX managed by XXXX XXXX XXXX they dint check the llc are no in our contract also the bank no did any inspections for work performed and XXXX XXXX stole the money now we short of money due to bank negligence my very first calls were with XXXX from eastside funding and i ask how long he knows XXXX he says around 10 years and i ask if XXXX had foreclosures in the past XXXX says yes and why still borrowing money if they know this is very long history but here is a bank negligence i leave my information XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
Company : Macys  / XXXX Issue : Refund not received after canceled order / Unauthorized retention of funds Order Number : XXXX Date of Order : XX/XX/year> I placed an online order with XXXX on XX/XX/year>. Macys canceled my order immediately after I placed it, without giving any reason. Even though they canceled it instantly, they have still not refunded my money. 

I have contacted Macys customer service multiple times. Each time I am placed on long holds, transferred between multiple representatives, and given inconsistent answers. No one takes responsibility, and the refund has never been processed. 

Macys has kept my money for an order they themselves canceled, which is unacceptable and financially harmful. This is essentially Macys withholding funds for goods I never received and for a transaction they invalidated. 

I am requesting that the CFPB assist in getting Macys to : XXXX. Immediately issue the full refund for Order # XXXX XXXX. Provide confirmation of the refund date 3. Explain why the order was canceled and why the refund was delayed I am also requesting that Macys be reviewed for possible unfair or deceptive business practices, as their handling of this situation shows a complete lack of transparency and accountability.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA XXXX and all proof of how the account was opened.

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 2025-11-16 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: MD

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and XXXX  credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX  XXXX Balance {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable and negligent. The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm, and I will not tolerate it any longer.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, I am writing to dispute a delinquency that was incorrectly reported on my Barclays credit card account. I have never been late on any payments, and I have always had autopay enabled. 

This delinquency was caused by a Barclays system error or conversion issue, not by any mistake on my end. My account had autopay set up, and I was under the understanding that payments would continue to be drafted as normal. Because of this issue, my account was marked late and my credit score was negatively affected, which is unfair and inaccurate.

I am requesting the following : 1. Immediate correction of the delinquency on my Barclays account.

2. Removal of any negative credit reporting associated with this error.

3. Written confirmation that my account is in good standing.

4. Verification that autopay is correctly enabled going forward.

Please investigate this matter as soon as possible. I can provide screenshots or documentation of my autopay settings if needed. This was not a consumer error, and I am asking Barclays to correct the reporting so my credit score can return to its correct standing.

Thank you for your prompt attention to this important issue.

Please confirm once the correction has been completed. 

Sincerely, [ XXXX XXXX ] [ last XXXX of the credit card is 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  XXXX XXXX {$43000.00} XXXX XXXX {$66000.00} XXXX XXXXXXXX {$13000.00} Inquiries : XXXX CARD ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XX/XX/year> ( Finance ) XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX AUTO ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Hotel and travel ) XX/XX/year> XXXX XXXXI ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XXXX XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Hotel and travel ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXXXXXX ( Finance ) XX/XX/year> XXXX AUTO ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX & # XXXX ; XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> ( Finance ) XXXX XXXX XXXXXX/XX/year> ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XX/XX/year> ( Finance ) XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX Auto ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX CARD ( Bank ) XX/XX/year> XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Hotel and travel ) XX/XX/year>XXXX XXXX XXXX ( Auto ) XX/XX/year> 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 2025-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX BALANCED $ {$0.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED $ XXXX included in regular letter

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 2025-11-17 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: NY

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights.

This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them.

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief