vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They cIosed my account due to a third party deposit, which was rejected from the bank. Then I deposited my check on XX/XX/year> through the ATM. This check was from an attorney for over XXXX. They have held this check for over XXXX  days and did not sent it to me as promised. They closed my account on the XXXX of XXXX. Now my account is being held by the risk management department of the Bank of America.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I already made a complaint about the money I'm being charged when car was paid off by my vehicle insurance

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I went in Chase bank at XXXX XXXX XXXX XXXX, XXXX, WA XXXX on Friday XX/XX/19 at around XXXX to do a wire transfer. Since, the amount was greater than {$25000.00}, I had to go in the branch. 

After dealing with high wait time, I was able to submit & sign the papers needed to do the wire transfer at around XXXX prior to the stated XXXX cutoff time for wire transfers. The Clerk said that wire would be completed on the same day. However, the wire was completed on Monday and due to this delay I was directly caused a {$2600.00} rate-lock extension fee. The rate lock extension fee is being charged by XXXX with whom I am in process to refinance my home. 

I am requesting reimbursement for this financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My personal and profile information was compromised and/or possibly stolen through Cash App,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I sold my house 60 days ago. I have been waiting for my escrow refund which is {$7700.00}. I still have not received it in accordance with federal lawthe Real Estate Settlement Procedures Act ( RESPA ), specifically Regulation X ( 12 CFR 1024.34 ( b ) ). Every time I speak with someone, they give me an answer that doesnt match the previous persons response. My first call was 2 weeks after my loan was paid off. They said the check was sent to the wrong address and would resend it ( this is untrue because my account was still showing an escrow balance of $ XXXX ). I also retrieved all mail that was sent to my previous address and my escrow refund wasnt there. I called again a week or 2 later and a different person said, no its still being processed. I followed up again another week or 2 later, and the person told me the last note she saw was from XX/XX/XXXX. I said thats not true, I spoke with some one a week or 2 after that and he said it was still processing. She said, oh I see. Its been processed and you should receive it in 5 or 6 days. I called 7 business days later because I still didnt receive it. The guy told me it was processed XX/XX/XXXX, and I should receive it by the end of XXXX. I dont know what to believe, it has been a lot longer than the legal requirement of 20 days. Waiting until XXXX is unacceptable. This is a large amount of money and its preventing me from moving forward with my next home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CA

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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
I financed an XXXX reservation through Klarna in the amount of {$2000.00} for reservation XXXX. I booked the reservation on XX/XX/year>, based on the XXXX amenities panel stating that the property had a Private indoor pool available all year. 

After booking, the host changed the listing to remove or reclassify this amenity to an outdoor pool and confirmed in writing that there is no indoor pool. XXXX has refused to cancel or refund the reservation and stated that no changes occurred. 

On XX/XX/year>, I contacted Klarna to dispute the charge due to misrepresentation of services after purchase. Klarna declined to open a dispute, stating that the transaction was outside of their reporting timeline, even though the misrepresentation occurred after booking and could not have been reported earlier. 

I am requesting that Klarna conduct a manual dispute review and pause all payment obligations while this matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a nation data breach.

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 2025-12-25 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a nation data breach.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I received a message and call about a scam trying to use my card for a large purchase. They requested to send money to a different account made, they told me it would be my own account and it wasnt. They fraud and scammed me of {$580.00}. The date is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: Winklevoss Exchange LLC
State: SC

Complaint narrative:
Back on XX/XX/XXXX the company XXXX  XXXX platform informed me that my they were closing my account due to a violation of a company policy. I was told that it would take XXXX to 4 days to receive my deposit back in my account. I have emailed customer service several times with absolutely no response back to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting multiple accounts that were dismissed in bankruptcy, as derogatory since XXXX  and shouldnt be on the report freedom Mortage was paid in full after bankruptcy, both corporate XXXX accounts are old and should be removed along with digifi, I am not allowed to dispute the report online they want me to call and speak to a representative, also different variations of my name listed on the report My name is 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 explanation
Consumer complaint received 2025-12-25 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED IS LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEM BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. I ALSO ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT REMOVE AND DELETE THIS ITEM IMMEDIATELY. MY FCRA RIGHTS ITS VIOLATED MY REPORTING INFORMATION THAT ISN'T CORRECT ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed accounts XXXX XXXXXXXX XXXX XXXX {$510.00} 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-25 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: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-25 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX  {$510.00} 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 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
To XXXX XXXX XXXX XXXX, This email is from the borrower, XXXX XXXX, regarding the continued delay in receiving my loan payoff statement. 

I am responding to your message indicating that the form I submitted was not acceptable. I would like to address each concern clearly and on record : Borrower Signature I have signed the form personally. While my signature may differ slightly from records dating back to XXXX the loan was originally originatedit is nonetheless my valid and legal signature. I sign documents frequently as part of my profession, and variation over time is reasonable and does not invalidate execution.

Authorized Party The authorized parties listed on the form are those whom I explicitly agree to authorize. The form does not prohibit borrower-designated authorization, and the parties named were intentionally included.

Loan Documentation I have completed and signed all required documentation with XXXX XXXX and my refinance loan is fully prepared to proceed pending receipt of the payoff amount from XXXX XXXX. 

Customer Service Availability Your email advised contacting Customer Service untXXXX XXXX XXXX XXXX XXXX called at approximately XXXX XXXX and the office was already closed. 

Since XX/XX/year>, I have placed XXXX calls to AM West Funding Group. I have personally recorded seven ( 7 ) of these calls, which document the lack of communication, inconsistent information, and repeated inability to provide a payoff amount. Additionally, representatives from XXXX XXXX  have made multiple calls, emails, and fax transmissionseach with proof of receiptwithout resolution. 

I sincerely hope escalation is unnecessary. However, if this delay results in : Additional interest charges Additional fees A delay in my refinance Or any negative credit reporting related to XXXX payment timing AM West Funding Group will be held fully responsible, and appropriate legal action will be pursued. 

Please treat this matter with the urgency it requires and provide the payoff amount without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Against : Barclays Bank US Issue : Credit card fraud unauthorized transactions / dispute handling What happened?

I am filing this complaint because Barclays Bank US is refusing to reverse clearly unauthorized credit card transactions, improperly denying my fraud claim based solely on the assertion that the card was card-present and involved an authorized user. 

I am the primary cardholder on the account ending in XXXX. The disputed transactions occurred on XX/XX/year>, while my authorized user, XXXX XXXX, was traveling in XXXX. 

On that date, the authorized user attempted to pay XXXX taxi ride of approximately {$25.00} from the airport to his hotel. The taxi driver stated that the card was declined and repeatedly attempted charges without authorization, falsely claiming the charges were unsuccessful. The driver became aggressive, and the authorized user felt unsafe. To avoid further confrontation, he paid the taxi fare in cash and was dropped off at the hotel. 

Immediately upon discovering the fraudulent activity, I contacted Barclays to report the fraud. 

Neither I nor the authorized user authorized the following transactions, all dated XX/XX/year> : XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$2600.00} There was no PIN entry, no signature, no verification, and no consent for any of these charges. The authorized user did not approve or benefit from these transactions in any way. 

Despite this, Barclays denied my fraud claim ( Case # XXXX ) solely because the card was considered card-present and in the possession of an authorized user. Authorized-user status and physical card presence do not constitute authorization under the Fair Credit Billing Act.

Barclays has not provided any documented proof of authorization, such as a signed receipt or evidence of PIN verification, yet continues to refuse reversal of the charges.

What resolution am I seeking?

I am requesting that Barclays Bank US : 1. Comply with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) 2. Conduct a full reinvestigation of the disputed transactions 3. Reverse all unauthorized charges listed above 4. Provide the results of the reinvestigation in writing

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 2025-12-25 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: NY

Complaint narrative:
I write to dispute unauthorized transactions on my Bank of America accounts and to request reversal of the charges. The transactions occurred in both my checking account ( ending in XXXX ) and my savings account ( ending in XXXX ). The unauthorized activity took place between XX/XX/XXXX and XX/XX/XXXX, a period during which I was not in the United States. In total, there were XXXX unauthorized XXXX from my checking account and XXXX from my savings accountamounting to {$46000.00}. All of these transactions were initiated by XXXX XXXX XXXX XXXX, a business with which I have no relationship and of which I had no prior knowledge. I contacted Bank of America immediately upon discovering the issue in XXXX while I was in XXXX. I was told I needed to be physically present in the United States to resolve the matter. This was not feasible at the time due to ongoing XXXX travel limitations : direct flights were infrequent, and quarantine and visa requirements made international travel burdensome. When I was finally able to travel to the U.S. in 2025, I visited a Bank of America Financial Center regarding this matter. I was then informed that the bank could not resolve it because, according to its policy, more than one year had elapsed.

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