vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase initially opened a fraud claim and provided temporary credits, but later reversed them and closed the file. My phone was stolen, and I became a victim of a coordinated fraud attack affecting XXXX of my bank accounts simultaneously ( Chase, XXXX XXXX XXXXXXXX, and XXXX XXXX ). I officially informed Chase that my phone had been stolen, though I have since recovered it and have it back in my possession now. When I called Chase with an official interpreter to request a reopening of the investigation, the representative was extremely hostile and unprofessional. Upon learning my phone did not have a passcode at the exact moment it was stolen, the representative accused me of assisting the fraudster, stated they refused to reopen the case, and told me I must pay the balance. I was forced to pay the amount out of pocket. The representative then hung up the phone in my face and the interpreter 's face, refusing any further assistance. I demand that Chase immediately reopen this investigation, review the systemic fraud across my accounts, and return my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries appearing on my consumer credit reports that are not connected to any open, active, or positively reporting accounts. I do not recognize or recall authorizing these inquiries, and they appear to have been improperly obtained or reported. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, a consumer report may only be accessed when there is a permissible purpose authorized by law. Furthermore, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy in consumer reporting. Due to ongoing concerns involving consumer data breaches and compromised personal information within financial reporting systems, these inquiries may be the result of unauthorized use or mishandling of consumer data. I am requesting a proper investigation into the legitimacy, authorization, and permissible purpose associated with each disputed inquiry identified in my attached letters. The presence of these unauthorized inquiries has negatively impacted my creditworthiness and should not remain on my reports without lawful verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-06-10 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:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-30 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: CA

Complaint narrative:
Fraud Merchant : XXXX Live Amount : {$6700.00} Claim Id form Bank of America : XXXX I reported Unauthorized charges XX/XX/XXXX and Bank of America Denied my claim XX/XX/XXXX asked the bank to reopen it I reported this Fraudulent Merchant : XXXX Live awhile ago to Bank of America but this merchant still charge me multiple time. Bank of America Denied my claim saying that i reported it late. I told them that i went out of the country for almost 4 months so i hadnt had a chance to check my account. I provided them with my supporting documents like my ticket and itinerary but still denied my claim. I have zero connection to that merchant nor received any goods from the merchant. So i asked the bank to re-open my claim. Under Regulation E i demand Bank of America to do a reversal to their decision and have {$6700.00} amount comes back to my account immediately

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My closed Verizon XXXX account final-billed with a credit balance. Verizon XXXX XXXX audited their records and confirmed in writing : " We have confirmed we have not sent a transaction through in the amount of {$340.00}. '' Despite the merchant explicitly denying authorizing or transmitting this debt, Synchrony Bank generated an inaccurate internal balance on my co-branded Visa card, inflated by unverified rolling fees and stacked late penalties ( {$30.00} on XX/XX/XXXX and {$41.00} on XX/XX/year> ). On XX/XX/year>, a valid merchant refund of {$130.00} from Verizon XXXX posted to this XXXX card, confirming the merchant owed me money. Synchrony Bank has unlawfully absorbed this {$130.00} refund to offset their own unverified internal charges. Furthermore, on XX/XX/year>, Synchrony Bank actively damaged my credit file by reporting a delinquent status to TransUnion, decreasing my credit score by XXXX points. They reported a " 30 Days Late '' status on an inaccurate {$250.00} balance. Synchrony Bank is in direct violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverified data while the balance is under active billing dispute and formally disowned by the merchant

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 2026-07-07 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: CA

Complaint narrative:
Fraud Merchant : XXXX XXXX Amount : {$6700.00} Claim Id form Bank of America : XXXX I reported Unauthorized charges XX/XX/XXXX and Bank of America Denied my claim XX/XX/XXXX asked the bank to reopen it Also the Bank said i am not eligible for provisional credit which Under the law of Regulation E they should provide a provisional credit if the claim is taking longer. Its been almost XXXX days now

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 2026-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/year> I called Truist bank to get assistance adding an external account. Customer service rep attempted to assist but didn't really have a solution. I asked if they could add the account manually. They said they could not and really didn't offer any other solution. I gave up on the call and said I would try to figure it out myself.

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 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Failure to Provide Competent Verification / Lack of Documentary Basis for Validation In multiple instances, the data furnishers and/or credit reporting agencies have reported that the disputed accounts were verified and/or validated without providing any underlying documentary evidence to substantiate ownership, contractual relationship, or complete chain of assignment for the alleged debts. No original account agreements, itemized statements, signed instruments, or full account histories were provided to support the reporting accuracy of these entries. A conclusory assertion of verification without supporting documentation does not satisfy the obligations under the Fair Credit Reporting Act to ensure maximum possible accuracy or to conduct a reasonable reinvestigation. As such, the continued reporting of these accounts appears to be based on automated or superficial matching criteria rather than competent review of primary source documentation. I respectfully request that the CFPB require all furnishers and credit reporting agencies involved to produce the specific method of verification used for each disputed account, including the name of the entity contacted, the documentation reviewed, and the basis for concluding accuracy, as required under 15 U.S.C. 1681i ( a ) ( 7 ).

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 2026-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called the Original debt collector to verify that the information they have on file is accurate. I provided them with my name, email, address, and phone number. I don't have an account or car through them. After I provided all my information that I've provided, they couldn't verified me the information they have on file. So I requested a dispute through TransUnion do to the Inaccurate information that I don't know anything about, they have on file. This really damaging my credit.

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 2026-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing this account because I am a victim of identity theft resulting from a fraudulent job hiring scam. I did not open, authorize, or assume responsibility for this alleged account, and I have no knowledge of the creditor your company claims to represent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide all documentation that you have relating to this alleged debt, including any signed contracts, applications, agreements, or other evidence demonstrating that I authorized or accepted responsibility for this account. A billing statement or internally generated records alone are not sufficient to establish that this debt belongs to me. Because this account resulted from identity theft and has not been verified with competent evidence, I request that it be removed immediately from all of my credit reports with XXXX, TransUnion, and XXXX. If you are unable to provide documentation showing that I knowingly entered into this obligation, you must cease reporting this account and correct your records accordingly. Please consider this a formal dispute of the account and a request for a reasonable investigation under the Fair Credit Reporting 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 2026-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I am disputing this account because I am a victim of identity theft resulting from a fraudulent job hiring scam. I did not open, authorize, or assume responsibility for this alleged account, and I have no knowledge of the creditor your company claims to represent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide all documentation that you have relating to this alleged debt, including any signed contracts, applications, agreements, or other evidence demonstrating that I authorized or accepted responsibility for this account. A billing statement or internally generated records alone are not sufficient to establish that this debt belongs to me. Because this account resulted from identity theft and has not been verified with competent evidence, I request that it be removed immediately from all of my credit reports with XXXX, TransUnion, and XXXX. If you are unable to provide documentation showing that I knowingly entered into this obligation, you must cease reporting this account and correct your records accordingly. Please consider this a formal dispute of the account and a request for a reasonable investigation under the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I used my Bank of America debiXXXX card to fund a {$4800.00} transaction through XXXX XXXX to a merchant operating the website XXXX for financial services.The merchant completely failed to deliver the contracted services, froze my account dashboard, and has blocked all withdrawal attempts. This is a clear case of " Services Not Received. " I immediately initiated a dispute with XXXX XXXX. XXXX XXXX formally declined jurisdiction, stating in writing that because the transaction was funded directly by my Bank of America debit card, they can not arbitrate the merchant dispute and that the issue rests between myself and my card issuer.I then filed a timely dispute with Bank of America. Bank of America summarily denied my claim, falsely stating that they must defer to " XXXX XXXX 's decision. '' Bank of America is actively violating my consumer protection rights under Federal Regulation E by refusing to investigate a valid billing error on a card-funded account. XXXX XXXX XXXX refusal to arbitrate does not absolve Bank of America of its statutory duty as the issuing bank.I am exercising my rights under Regulation E and Visa Chargeback Reason Code 13.1 ( Goods or Services Not Received ). I have provided Bank of America with an official FBI IC3 cybercrime report and definitive screenshots showing the live website 's non-delivery of services, yet they refuse to reopen the case.

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 2026-07-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I disputed a charge after the merchant failed to provide the services as represented and misrepresented the value and usability of the membership. I submitted detailed documentation supporting my dispute, including correspondence with the merchant, evidence of delays in providing access, proof of my cancellation request, screenshots showing lack of availability, and comparative pricing demonstrating that the services were significantly misrepresented. Despite receiving my dispute and supporting documentation, the company failed to conduct a reasonable investigation. My dispute was denied without meaningfully addressing the evidence I submitted. I was not provided with a detailed explanation of how my evidence was reviewed or why it was rejected. I believe the company failed to comply with its obligations under applicable consumer protection laws by not conducting a fair and reasonable investigation. I respectfully request that the CFPB require the company to perform a proper review of all submitted evidence, reconsider my dispute, and provide a detailed explanation of the basis for its decision.

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 2026-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding Citibank 's handling of my Macy 's credit card account and the resulting credit reporting. I maintained this account for approximately nine years with an excellent payment history. During that time, I consistently paid my account as agreed and had no history of chronic delinquencies. In XX/XX/year>, a payment was returned due to what I believe was a minor payment processing issue involving only a small XXXX difference. Upon becoming aware of the issue, I immediately corrected the payment the following day. Despite my prompt action and my long history of responsible account management, Citibank reported the payment as late. After I exercised my right to dispute the reporting, Citibank closed my account. While I understand that creditors generally have discretion regarding whether to continue extending credit, I am concerned that my account was closed after I exercised my legal right to dispute information I believed was inaccurate or unfair. I attempted to resolve this matter directly with Citibank, but my concerns were not meaningfully addressed. As a result, the account remains on my credit reports as a creditor-closed account, which continues to negatively impact my credit profile despite nearly a decade of responsible account management. I respectfully request that Citibank 's Executive Response team conduct a thorough review of my account, including : * The circumstances surrounding the XX/XX/year> payment. * The decision to close the account following my dispute. * Whether continued reporting of this account fairly reflects my long history of responsible credit use. I appreciate the CFPB forwarding this complaint for executive-level review and request a detailed written response addressing each of the issues raised.

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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been going back and forth with Wells Fargo for a month now about funds that were Fraudulently stolen from my account due to lack of account security ( due to no fault of my own ) from Wells Fargo. I have filed XXXX claims - the first one was filed incorrectly by Wells Fargo. The second claim was denied. ALL of the money in my bank account was stolen - I was left having to get XXXX additional part-time jobs in order to pay my bills in time and not get evicted. Throughout the process of trying to get my money back, I was treated unfairly by staff - getting yelled at, hung up on, transferred to multiple random departments, and talked down to. I understand my problem does not directly impact the employees that I worked with, but I did not feel taken care of as a customer. This was ALL of my money - stolen. I am completely heartbroken and am left with nothing. Due to this unnecessary mental harm, I have taken it upon myself to leave Wells Fargo after being a loyal customer for over XXXX years.

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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was charged by my phone service provider without notice for a final bill XXXX XXXX XXXX {$480.00} ) I was under the impression my overdraft protection was now off from my last complaint and it wasnt and so I was charged not once but twice XXXX overdraft fees on XX/XX/XXXX. Because XXXX takes a few days to settle my funds on XX/XX/XXXX were delayed to my business account from my self employment and I could not get funds in there in time since my business accounts dont have XXXX XXXX I am now demanding that the account is removed off overdraft protection and my fees are waived. I was also charged a $ XXXX monthly service fee which I thought would be waived if the account had funds drawn to my savings every month which it did. Wells Fargo continues to be predatory in overdraft fees and service fees and I want my fees returned and I will take my business elsewhere once and for all. CFPB please put Wells Fargo on your radar

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 2026-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: LA

Complaint narrative:
Someone used my social to get cards in my name and now they are saying i must pay a debt i mever created.

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