vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
I am disputing Barclays Bank Delaware 's refusal to reverse unauthorized credit card transactions on my JetBlue XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, my JetBlue Plus Card was used for two card-present transactions in New York XXXX one at XXXX XXXX  XXXX XXXX  XXXX XXXX, NY for {$1000.00} and one at XXXX XXXX XXXX XXXX, NY for {$530.00}. I did not authorize either of these transactions. 

At the time of these transactions, I was physically present in California. I have attached multiple forms of third-party documentation proving this, including airline flight records showing I traveled from XXXX to XXXX on XX/XX/XXXX and did not return until XXXX,, a rental car agreement from XXXX at XXXX showing the same period and same-day in-person transactions on my XXXX XXXX XXXX  in XXXX XXXX, CA on XX/XX/XXXX XXXX 

It was physically impossible for me to present in New York while these transactions occurred. 

I also immediately responded to Barclays ' fraud alert regarding activity that day and confirmed that the transactions were unauthorized. 

Despite this, Barclays denied my fraud claim stating only that " chip card technology was used '' an asserting that the card was in my possession and that this technology can not be counterfeit. Barclays did not address physical impossibility, cardholder location, or the conflicting contemporaneous evidence from airline, rental card and third-party card records. Barclays also did not state that PIN verification occurred. 

Barclay 's determination relies solely on an EMV classification even though I had noted several times to them previously that I was not in the state at the time these transactions were made. This clearly constitutes a failure to conduct a reasonable investigation as required under the Fair Credit Billing Act.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was notified a credit account was opened through capital one in my name. I was not the one to open this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, JPMorgan Chase Bank , N.A . restricted and subsequently closed the business checking account of XXXX XXXX XXXX XXXX following a disputed wire transaction initiated by a third party. 
At the time the account was restricted and closed, the remaining balance in the account was approximately {$1700.00}. Chase advised that any remaining funds would be remitted to us by check. 
Despite a significant amount of time having passed since the account closure, no disbursement has been received. 
When we contacted Chase for an update, we were informed that the funds are being held pending an internal investigation involving multiple departments, and that the investigation may take a long time. Chase has not provided a written explanation of the legal basis for withholding the funds, nor any expected timeline for release. 
We are requesting CFPB assistance in obtaining written clarification from Chase regarding : The legal authority under which Chase is continuing to withhold approximately {$1700.00} following account closure on XX/XX/2025, in the absence of any levy, court order, or law-enforcement notice ; The expected timeline and method for release of the remaining balance ; and An explanation of why Chase elected to close the account rather than place it under a temporary restriction or hold while the review was conducted, which would have allowed the funds to be disbursed upon completion of the review. 
The originating bank later canceled its recall request related to the wire transaction. While we understand Chase may not rely on XXXX   explanations, we are requesting clarification of the decision-making process that resulted in full account closure and continued retention of funds rather than a temporary restriction pending review. 
At present, the account is closed, we have no access to the remaining funds, and Chase has provided no written justification or timeline for their release. We are seeking prompt clarification and resolution, including the release of the remaining balance or a written statement citing the authority under which the funds continue to be held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding my Wells Fargo XXXX XXXX XXXX XXXX. This issue concerns unjust interest charges resulting from a bank system error and a complete failure of customer service to resolve the matter. 
The Incident : Due to what I believe are system instabilities caused by the upcoming termination of the partnership between Wells Fargo and XXXX, my legitimate payment attempt was initially rejected without valid cause. 
* I immediately rectified this by making a manual payment the very next day, which cleared successfully. 
* My account currently shows a series of successful payments made on XX/XX/XXXX, and XXXX, XXXX, effectively paying off the balance. 
The Financial Harm : Despite my immediate corrective action and the fact that the initial rejection was a system glitch, Wells Fargo has penalized me. On XX/XX/XXXX, I was charged {$36.00} in " INTEREST CHARGE ON PURCHASES '' ( see attached screenshot ). This charge is predatory and unjustified given the circumstances. 
The Customer Service Failure : On XX/XX/XXXX, I contacted Wells Fargo customer support to resolve this error. The experience was unacceptable : * I was transferred to XXXX ( XXXX ) different agents. 
* Not a single agent took ownership of the problem. 
* I was given the " runaround, '' with each representative passing the buck to another department without offering a solution. 
* It is clear that due to the ending partnership with XXXX, Wells Fargo support staff are neglecting these accounts and refusing to assist customers. 
Desired Resolution : I am requesting the following immediate actions : * Full Refund : Immediate credit of the {$36.00} interest charge and any other associated " returned payment '' fees. 
* Account Correction : Ensure this administrative error does not negatively impact my credit report or payment history. 
I have been a responsible customer, but I refuse to pay fees generated by Wells Fargo 's technical failures and internal disorganization. 
Sincerely,

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 2025-12-24 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Opened a checking account few weeks ago. Tried to send {$1000.00} to a vendor. My account got locked because of this. Took XXXX minutes and had to talk to XXXX different people. 

They were asking for excessive verification questions more than any other banks such as the debit card number, checking account number in addition to my online account name, when is the successful login in, code received from text verification. 

Account and debit numbers are hard to remember and no other bank required this for verification. 

I asked where can I file complaint they would tell me they file for me. 

While they were unlocking I could hear XXXX language. This does not give me a secure feeling.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
These accounts are not attributable to me and must be removed within 15 days in accordance with 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint against Experian due to a persistent technical failure that prevents me from accessing my credit report and managing my account. 

I attempted to register for an online account on Experian.com. During the identity verification process, the system prompted me to upload a photo of my driver 's license. Due to a temporary unavailability of my document at that moment, I exited the session. 

Since then, every attempt to complete the registration or log in has resulted in a systemic " Internal Server Error '' with the message " We are currently unable to process your request. Your order has been canceled. '' I have attempted the following steps to resolve the issue : Tried registering with different email addresses, but the error persists as it is linked to my SSN. 

Successfully uploaded my government-issued ID and proof of address through Experian 's official document upload tool ( https : //www.experian.comXXXX ) on XX/XX/XXXX. 
Attempted to contact customer service, but the automated system prevents me from reaching a live representative because I do not have a fully " active '' account. 

Currently, I am completely locked out of my own credit information. This technical " deadlock '' is preventing me from exercising my right to monitor my credit profile.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: FL

Complaint narrative:
I was unaware while residing in XXXX ny that a key bank account was open also a XXXX XXXX XXXX bank account needs to be removed so I can open a official bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hard inquries on my account. 
Address changed on my account without being informed Fraudulent address found on my synchrony account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio  XXXX XXXX XXXX This address was noted on my XXXX XXXXXXXX XXXX monitoring. 

XXXX XXXX XXXX XXXX, XXXX  XXXX Credit limit increase requests for Sam 's Club and American Eagle both granted I have placed credit alerts on XXXX XXXX XXXX XXXX along with Credits freeze on all 3

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
A settlement check for {$320.00} has been issued and sent to the wrong address on 5 different occasions. Usaa doesnt know how, or why.

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 2025-12-24 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX I attempted to book a hotel room through XXXX. Chime Bank declined the charge without my authorization, claiming it was suspicious. Because Chime blocked the transaction, the merchant informed me that the reservation would have to be completely reprocessed. When I attempted to do so, the merchant stated it was too late. I had no further interaction with the merchant after that point. When we went by the property, the office was closed, so we secured a room at a different motel around XXXX XXXX 
Despite never completing the original reservation, I later discovered that I was charged for the night and marked as a noshow. XXXX has recordings of my calls, but it appears no one reviewed them to confirm my account. I did not make a second reservation, yet a new charge was processed at XXXXXXXX XXXX  without my knowledge or consent. 
I disputed the charge with Chime, but they denied the dispute. Chime also stated they would provide an investigative report, but they never supplied it. I am requesting the CFPBs assistance in resolving this unauthorized charge and Chimes failure to properly investigate or provide the documentation they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
I am a North Carolina consumer and a victim of identity theft. A XXXX tradeline associated with account number XXXX was previously disputed with TransUnion as identity theft and removed from my credit file. Despite my submission of a valid FTC Identity Theft Report and supporting documentation, this same tradeline has since been reinserted on my TransUnion credit report. 

I did not open, authorize, or benefit from this account, and it does not belong to me. After discovering the reinsertion, I promptly submitted another copy of my FTC Identity Theft Report along with identifying information and again specifically identified this tradeline as the result of identity theft. This submission was intended as a formal identity theft block request and reinvestigation notice. 

The reinsertion of this account is improper given that it was previously removed as inaccurate and identity-theft related. If TransUnion believes this information may lawfully remain on my credit report, I request a detailed written explanation identifying the basis for doing so, including the source of the information, the steps taken to verify its accuracy, and confirmation that any reinsertion requirements were fully satisfied. 

I respectfully request that TransUnion immediately block and remove the XXXX account from my credit report, ensure that it is not reinserted again, and provide written confirmation that this has been completed. I also request that my file be clearly flagged as an identity theft victim profile so this matter is routed for manual review and appropriate fraud handling rather than automated verification.

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 2025-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am also filing a complaint regarding a charge-off reported by XXXX XXXX. The account number is XXXX for {$2300.00}, allegedly opened around XXXX. 
I requested proof and validation of this account, but they failed to provide any documentation or explanation of how they verified ownership. This account is inaccurate and unverifiable. 
I am attaching copies of my previous disputes for this account as well. I am requesting that this account be deleted from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief