vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is my second attempt to get some resolution for a 30 day late payment from XX/XX/XXXX. I am a XXXX XXXX XXXX XXXX  and VA legal advice advised me to reach out again and request a one time pardon for this. I have had this acct for years and Never ever been late. I had a XXXX XXXX XXXX and this mark ruined my score over an issue I was having login in that month. I was in Saudi and couldnt access the log in. I already filed once and the company sent me a condescending letter on the importance of accurate credit and late fees. I very much understand, my credit was exceptional. But I can not believe this is how the bank would respond to a customer who has never been late once. And asked for a one time pardon I am asking as a loyal customer to please remove this one time late payment. I literally couldnt get in to make the 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 2025-08-22 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: TX

Complaint narrative:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX {$230.00}, XXXX XXXX {$15000.00}, XXXX {$1200.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-22 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: TX

Complaint narrative:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX {$230.00}, XXXX XXXX {$15000.00}, XXXX {$1200.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I requested to cancel my XXXX XXXX  policy that was associated with a 67 year auto loan that was purchased in 2023 in the amount of {$670.00} with State Employees Credit Union, which has since been terminated early due to a vehicle trade-in. Despite the early payoff and sale of the vehicle, I have been informed that cancellation of the XXXX XXXX  and issuance of a refund are not being permitted. This has caused confusion, as it is my understanding that many XXXX policies include a cancellation clause with eligibility for a pro-rated refund in the event the loan is paid off early. Please let me know what documentation is required from my end to proceed with a formal complaint or appeal. Thank you for your assistance. XXXX XXXX XXXX phone XXXX emial XXXX work email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2025, a charge of {$6400.00} was posted to my credit card ( account ending in XXXX ). I never authorized, agreed to, or received any goods or services related to this charge. I immediately disputed it with Citizens Bank. 

On XX/XX/2025, Citizens sent me a letter denying my dispute, claiming the merchant provided a signed agreement. I never signed any agreement, nor did I authorize this transaction. 

On XX/XX/2025, I submitted a formal reconsideration request, explaining again that I did not authorize this charge and asking Citizens to provide me with copies of any agreement or documentation they claim the merchant submitted. Since then, Citizens has not responded to my request and has ignored my follow-ups. 

I am a U.S. Army service member with limited access to mail/communication, and Citizens lack of response has made it very difficult to resolve this matter. I have complied with their instructions, yet they have failed to address my continued dispute. 

I am requesting that Citizens Bank : Reopen my dispute and properly investigate. 

Provide me with copies of any documentation or signed agreement they claim to have received. 

Confirm that I am not held liable for this unauthorized charge. 

Citizens has failed to provide fair resolution, communication, or documentation, and I am asking the CFPB to intervene to ensure compliance with the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear XXXXXXXX XXXX XXXX XXXXXXXX, I am writing to dispute and request validation of the above-referenced debt, which you have reported to the credit bureaus. As noted on my credit report, this account is listed as open with a balance of {$1100.00}, opened XX/XX/year>. I dispute this account in its entirety and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request the following documentation : XXXX. A complete itemized statement of the alleged charges, including the original creditor and how the balance of {$1100.00} was calculated. XXXX. A copy of the original signed contract or agreement that establishes my responsibility for this debt. XXXX. Documentation that XXXX XXXX XXXX XXXX has the legal right to collect this alleged debt, including proof of assignment or transfer. 4. Verification that this debt is not time-barred under Indiana law ( statute of limitations ). 5. Proof of whether and how this account has been reported to any consumer reporting agencies. Until you provide the above documentation, you must cease all collection activity, including credit reporting, phone calls, and mailed notices. Be advised that failure to comply will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Indiana Attorney Generals Office. I request all communication in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
This involves a business line of credit. 

After having personal experience and speaking with numerous executives and legal representatives at 53 bank it has came to my attention that illegal behavior needs to be investigated on a federal level. I demanded resolution over months, and resolution ( giving access to an account that has been established since XXXX  ) only came after reports to the FTC and after numerous meetings with 53 bank 's legal counsel.

I am demanding that every business line of credit account be investigated that have been executed by 53 bank expecting that extortion and fraud exist by not allowing access to the accounts by the person responsible for taking out the loan. The lack of transparency and direct blocking of access to the account making the responsible party unable to pay towards the principal all in while automatically collecting interest payments is illegal activity that needs to be resolved immediately. 

All consumers that have been involved in this situation need to have access to a class action suit against 53 Bank with a legal letter explaining the situation including time frames as to the length of time the illegal activity has taken place with damages paid to all consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I intended to make a donation for {$5.00} to a childrens charity in XXXX in early XXXX. When they processed my card, I saw a transaction notification on my phone for {$5000.00} to a completely fake merchant, which was a clear sign that this was a scam. When I saw the notification, I immediately filed a fraud claim with Chase for the transaction on that same date of the transaction. I provided them with the details and they logged the claim as fraud. They then compiled an investigation over the next two months and today, on XX/XX/XXXX, they sent me a letter and a notice that determined that I was liable for the sole reason that I benefitted from the transaction. When I called to dispute with Chase, they told me that it should have been classified as an over-billing of {$4900.00} instead of a fraud claim because I did intend to make the transaction but not for the charged amount. They informed me that I should go to a local Chase Branch, write out a hand-written note with my account details, name, and what happened. The Chase rep helped me to fax the note and a dispute claim has now been opened, but the rep told me that he didnt think I would get the resolution Im looking for. I asked beyond just the note if there was any additional info I could provide or actions I could take to help my case, like submitting a police report against the merchant, but they said nothing beyond what I already provided would be needed on their end. Im now saddled with this clearly fraudulent {$5000.00} charge to a vendor that doesnt exist for services that were never rendered. I submitted my claim immediately and was open and forward with what I knew. In return, I was given a misleading, one sentence explanation for why I was liable and have been passed around to no less than 5 different call centers to receive mixed or contradictory advise on how best to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These invalid entries should be removed within 15 days pursuant to USC 1681g.

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 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo wrongfully closed my bank account ( ending in [ XXXX ] ) without proper notice or clear explanation. I maintained my account in good standing and did not engage in any activity that would warrant closure under their stated policies. 

This sudden closure has caused serious issues, including restricted access to my own funds, disruption of direct deposits and automatic payments, and potential harm to my financial standing. When I contacted Wells Fargo, I received vague responses and no meaningful explanation. 

I believe this action was unfair and harmful to me as a consumer. I request that the CFPB investigate this matter and require Wells Fargo to : 1. Provide a detailed explanation of why my account was closed.

2. Return all funds promptly.

3. Correct any negative reports or records caused by this closure.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please take a look at this account it seems to be incorrect. 
The account on my credit report is WFBNA CARD the Account was open closed XXXX XXXX XX/XX/year>.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was unaware of which account my debit card was pulling money out of and when i would make payments to my credit card there would be insufficient funds and the payment would get returned. I always ended up making a payment by the date it was due and when payments would get returned i would send a different amount of payment sometimes thinking nothing of it cause i changed my mind on the amount i wanted to send when i had to resend it. I called capital one the day the accound was closed around XXXX XX/XX/year> to ask and talked to XXXX representatives and got little information. Offered an explanation when they said there was suspicious activity and i asked how a returned payment was suspicious activity and got no answer back. Here are some examples of the payments. 
XX/XX/year> made payment to {$420.00} ( accepted ) XX/XX/year> made payment {$420.00} XX/XX/year> returned payment {$420.00} XX/XX/year> made payment {$760.00} XX/XX/year> returned payment {$760.00} Even when payments were returned i would just send more anyways and didnt think anything of it and i even went to XXXX  my debit bank to ask why the payments were getting returned because i thought it was a XXXX  issue and i even called capital one themselves to ask why the payments were getting returned. I was honestly just confused on which saving ir checkings account the money was coming out of and that would result in the returns from inssufficient funds. Reasoning was if i sent smaller payments it would go through so i thought that thebissue was making big payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Long story short Im a victim of Identity Theft. Ive made a report with the FTC and a letter has been sent to Wells Fargo about this. Wells Fargo had XXXX claims, XXXX with XXXX transactions I did not authorize and another with XXXX transactions I did not authorize. Supporting documentation has been sent to Wells Fargo about the claim that I filed, and to reopen the claim and provisionally credit the account. Wells Fargo has not done so. The money that is missing is out of an emergency fund and they are dragging their feet on 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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael J Adams PC
State: TX

Complaint narrative:
Case number XXXX Internal account number XXXX On XX/XX/year>, Michael J. Adams PC, seized {$6400.00} from my bank account with XXXX XXXX. This leaves my account in the negative by {$3200.00}. My account number is XXXX. The funds in this account are protected against XXXX because they are XXXX retirement funds from XXXX  XXXX XXXX. There are XXXX different XXXX deposits. XXXX is from the XXXXXXXX XXXX XXXX. The other is a supplemental XXXX policy that is through the education system. I have shown this company proof of the XXXX retirement with no response. They have also not provided me with a list of protected property nor the form needed to file a claim of exemption as required by law.

Company response to consumer: Closed with explanation