vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo issued me a new XXXX card in late XXXX, XXXX. Unknown to me, Wells Fargo automatically associated the XXXX card with an XXXX account. The associated XXXX account wasn't mine. I happened to review my account on XX/XX/year> and noticed XXXX XXXX transactions between XX/XX/year> and XX/XX/year> totaling in excess of {$470.00}. I contacted Wells Fargo and was informed that the XXXX department would review the transactions and report back to me regarding refunds for these transactions. In my view, the fraud was perpetrated within Wells Fargo. Assigning my Visa card to someone else 's XXXX account is inexcusable. I contacted XXXX and they did confirm the transactions were processed within account other than mine. The bottom line, Wells Fargo defrauded me. I have no trust in this bank. I want my refund immediately and should receive some compensation for the time and effort to clean up this mess created by Wells Fargo.

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 2025-08-02 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: CO

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit report. As a verified victim of identity theft, I previously filed a fraud alert with the major credit bureaus beginning on XX/XX/year>, and my credit report reflects that warning. Despite this alert, I am still being affected by accounts that were either opened or reported fraudulently, or accounts that are inaccurate and unverifiable. I did not authorize, open, or make payments on several of these accounts. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611, and protections under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the permanent deletion of the following derogatory accounts from my Equifax report : Disputed Accounts : XXXX XXXX * * * * Status : Charged Off Balance : {$2500.00} Not my account appears fraudulent XXXX CARD XXXX * * * * Status : Charged Off Balance : {$3000.00} I do not recognize or authorize this account. XXXXXXXX XXXX XXXX XXXXXXXX * * * * Status : Charged Off Balance : {$1600.00} This account was not opened by me. Please consider this letter my formal dispute. These accounts either resulted from fraud or are inaccurately reported and must be deleted. Under FCRA 611, if Equifax and the furnishers of this information can not provide verifiable proof within 30 days, the disputed data must be removed from my report. Additionally, as a victim of a known breach involving Equifax and due to the ongoing impact of identity theft, I would like these accounts blocked and removed from my report! Please confirm receipt of this dispute and notify me of the outcome in writing. You may also send an updated credit report reflecting the changes. Thank you for your prompt attention to this matter. Sincerely, 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 2025-08-02 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: CO

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit report. As a verified victim of identity theft, I previously filed a fraud alert with the major credit bureaus beginning on XX/XX/year>, and my credit report reflects that warning. Despite this alert, I am still being affected by accounts that were either opened or reported fraudulently, or accounts that are inaccurate and unverifiable. I did not authorize, open, or make payments on several of these accounts. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611, and protections under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the permanent deletion of the following derogatory accounts from my Equifax report : Disputed Accounts : XXXX XXXX * * * * Status : Charged Off Balance : {$2500.00} Not my account appears fraudulent XXXX CARD XXXX * * * * Status : Charged Off Balance : {$3000.00} I do not recognize or authorize this account. XXXXXXXX XXXX XXXX XXXXXXXX * * * * Status : Charged Off Balance : {$1600.00} This account was not opened by me. Please consider this letter my formal dispute. These accounts either resulted from fraud or are inaccurately reported and must be deleted. Under FCRA 611, if Equifax and the furnishers of this information can not provide verifiable proof within 30 days, the disputed data must be removed from my report. Additionally, as a victim of a known breach involving Equifax and due to the ongoing impact of identity theft, I would like these accounts blocked and removed from my report! Please confirm receipt of this dispute and notify me of the outcome in writing. You may also send an updated credit report reflecting the changes. Thank you for your prompt attention to this matter. Sincerely, 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 2025-08-02 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: CA

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the erroneous information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Could you clarify the rationale behind closing my complaint without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, can you provide information on the verification methods employed? This situation is exceedingly frustrating, as it has been over 30 days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not rectified promptly, I will be compelled to pursue legal action due to the significant stress this has caused. Furthermore, I am also worried about the security of my personal data, which was compromised in the Equifax, Experian, and Transunion 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 non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Date : XX/XX/2025 Amount : {$2500.00} Issue : I was scammed by a phone call claiming to be my bank 's fraud department. They said my account had been compromised and I needed to withdraw {$2500.00} from my checking account, and deposit it into a new account they would provide to prevent future fraud. They provided an email and details that looked legitimate, and due to panic, I agreed and followed their steps. After I got off the phone with them, I realized I could have been scammed, so I called the bank to confirm there had been unidentified transactions as the previous caller stated. They said there had not, and that I was scammed. I was transferred to their Claims department to file a claim, but they said they could not help me file a claim. I offered the details of when the transactions were done as well as the number that sent me the fraud alert, but they said it did not help and they could not get me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple fraudulent and derogatory credit card accounts currently reported on my credit file by XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX. These accounts are not mine and are the direct result of identity theft. 

Accounts in Dispute : XXXX XXXX XXXX Status : Charged Off Balance : {$2400.00} Comment : Purchased by another lender This account is fraudulent. I did not open, authorize, or use this credit card. 
XXXX XXXXXXXX XXXX XXXX  ( s ) Status : Multiple Charged Off Accounts Balances : {$970.00}, {$510.00}, and others Comment : Sold to collections ( including XXXX XXXX  ) I have never had any open or active credit card accounts with XXXX  XXXX in my name. These are fraudulent. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( s ) Status : Charged Off and in Collection Balances : {$7000.00} and {$3200.00} These accounts were not opened by me and are the result of identity theft. I have never applied for or used these credit card lines. 

Efforts Taken : I have rigorously attempted to correct this information by : Filing police reports and submitting FTC Identity Theft Affidavits, Submitting disputes directly with the credit bureaus and the debt furnishers ( XXXX XXXX XXXX, and XXXX XXXX ), Providing full documentation as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), Filing complaints directly with the credit bureaus and requesting a reinvestigation as permitted by federal law.

Despite these lawful efforts and documented evidence of fraud, these accounts remain on my credit report, damaging my ability to obtain housing, employment, or financial stability. The inaction of the reporting agencies and furnishers constitutes a willful violation of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I filed a dispute with Chime on XX/XX/year>, regarding a charge of {$88.00} on my XXXX XXXX card for goods/services that were not as described. The dispute was closed with Claim ID XXXX. Chime determined that no billing error occurred but provided no specific explanation for the denial. I was not given the opportunity to submit further evidence or respond. I believe the dispute was not fairly reviewed, and I'm asking the CFPB to investigate whether Chime followed proper procedures under Regulation E when handling this transaction dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I made a {$350.00} payment on my Capital One credit card account that had a balance of {$320.00}. I was under the impression that the card was restricted but still open, and I made this payment with the expectation that it would remove the restriction and restore access to the card. 

I later found out that the account had actually been permanently closed. Although a closure notice was sent to me, I did not see it before making the payment. Capital One accepted the full payment without notifying me at the time that the account was closed and that the payment would not change that. 

I was only informed after the payment that the account was permanently closed and could not be reopened. Capital One is only refunding {$30.00} of the overpayment, and keeping the remaining {$320.00} to settle the closed account even though I only made the payment because I believed the account would be restored. 

I feel misled and that Capital One should have made it clear at the time of payment that the account was closed and that no further activity would be allowed. I would not have paid if I had known.

Resolution Im Requesting : Im requesting a full refund of the {$350.00} payment, or at the very least a refund of the {$320.00} that was applied to a closed account I didnt realize was permanently closed. I also request a written explanation of why the funds cant be returned, considering they were paid under a misunderstanding and lack of proper communication at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Open my email Saturday morning XXXXXXXX XXXX XXXXXXXX, had an email from net credit where they declined a application that I have not applied for credit through net credit whatsoever, My wife and I have the custody of XXXX children that we are trying to raise and every penny counts and trying to move into a bigger house to help support these children, these people should be held responsible for causing these children and my wife and myself harm by making it harder for us to find a new place to live for these children to have a better life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I had a lil down time was checking credit due to previous identity theft i still see fraudulent accounts still showing up i reached out to credit bureaus for assistance i would like additional support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and i noticed multiple inaccuracies reporting on my credit profile on XX/XX/year> I ask you immediately correct errors as soon as possible i am a victim of identity theft and these accounts are not mine.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and i noticed multiple inaccuracies reporting on my credit profile on XX/XX/year> I ask you immediately correct errors as soon as possible i am a victim of identity theft and these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY These accounts should not be furnished on my computer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am reporting multiple accounts and a XXXX XXXX that were fraudulently open and reported under my name while I was a victim of XXXX XXXXt I did not authorize apply for or benefit from the credit cards or the tax debt being reported these accounts were opened and or used without my knowledge or consent, I have submitted an FTC identity, theft report as well as the identity, theft report affidavit with the IRS and dispute letters to the credit bureaus, but these accounts remain on my credit file severely damaged my credit and financial well-being I am also disputing a XXXX XXXX  in the amount of {$4900.00} that was file fraudulent leave for the year of 2022 as I did not file taxes during that period and have provided documentation of identity theft, including it incarceration record showing I was not in the position to open use or benefit from any credit activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Best Buy multiple times to cancel the order and request a refund. The XXXX driver was attempting delivery to an incorrect address, and I was informed that only Best Buy could cancel the shipment. Despite clearly explaining the situation, I was told cancellation was not possible. I have retained chat transcripts and policy documentation that support my claims. 
I also requested arbitration three times, and each request was ignored. My credit card company and XXXX have declined to assist, leaving me without resolution or the product. 
Under the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), consumers are protected against deceptive or unfair business practices. Refusing to cancel a misdirected shipment, ignoring arbitration requests, and failing to refund a product that was never properly delivered may constitute violations of this statute. 
I am therefore requesting a full refund of {$1400.00}. I was told by the credit card rep that they will only work with Best buy and let them decide. This makes no sense since the credit card is independent of Best Buy. I have a miss delivered package. It was forged by XXXX and I proved that to them already. They delivered to the wrong address. Even the attempted address was wrong. I contacted all three parties and each pointed the finger back to best buy who would not even listen to the issue.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MO

Complaint narrative:
This account was closed by the company while it was still under a 0 % promotional APR. No one ever told me that interest would be applied after the account was closed. Nothing in the terms or communications Ive received clearly states that a 27 % APR would apply to a closed, unusable account. But thats exactly whats happened and now Im buried under it. 

I didnt close the account. They did. I no longer have access to the credit line. Ive already gotten rid of the card. Its not active, not usable and yet, somehow, the balance keeps growing with monthly interest like Im still spending. That makes no sense. It was closed during a promotional period, and at no point was I warned that closing the account would lead to full APR interest stacking up on the remaining balance.

When I realized what was happening, I reached out for help. I asked for clarity. I asked for relief. Their response?

We can close your account whenever we want.

You accepted a 15-month promotional APR.

Thats not help. Thats a cold, dismissive auto-response.

I ended up filing a CFPB complaint and the company still didnt answer the actual concern. No explanation of post-closure interest. No breakdown of how or why this balance is growing. Just canned language and no accountability.

All Ive done is try to pay it down in good faith and now I realize nearly every payment has gone straight to interest. Its defeating. Its destabilizing. And its mentally exhausting to keep going in circles on something that doesnt even make logical sense.

Ive filed bankruptcy before. I dont want to do it again. And I dont even know if you can file bankruptcy on a closed account like this but this is exactly the kind of stress and confusion that makes people give up. It shouldnt take legal action to get a fair explanation and some compassion. 

This whole thing feels predatory. And I just want someone anyone to help me understand how this is allowed, and more importantly, how it can be made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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