vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This is a follow-up to CFPB Case # XXXX regarding American Expresss handling of fraudulent charges related to XXXX XXXX Marketing / XXXX XXXX and XXXX XXXX XXXX ). 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX transactions appeared on American Express statements as : XXXXXXXX XXXX XXXX XXXX XXXX TX The total amount of these transactions was {$24000.00}, split between an Amex Gold Card ( ending XXXX ) and a XXXX XXXX XXXX XXXX ( ending XXXX ). 
The merchant advertised a done-for-you business program but never delivered the promised services. The services were misrepresented, and the charges were obtained through fraudulent and deceptive practices. This issue is part of an active civil lawsuit in XXXX XXXX, Texas ( 44th District Court, Case No. XXXX ) alleging deceptive trade practices and fraud. 
A group of XXXX affected consumers have filed formal FTC complaints against this same merchant. The FTC instructs victims to file a forced chargeback with their card issuers under the FTC Holder Rule ( 16 C.F.R. 433 ) and 15 U.S.C. 1666i. Despite this guidance, American Express has refused to comply and continues to rely on the 60-day billing-error rule ( 15 U.S.C. 1666 ), which does not apply to merchant fraud or misrepresentation. 
On XX/XX/XXXX, American Express issued a denial letter ( Ref. XXXX ) stating the charges were too old. This is legally incorrectthe cited statute governs only billing errors and does not limit the Holder Rule or 1666i, which make card issuers jointly liable for merchant fraud, even if accounts are fully paid.

Amex was asked to : Reopen the dispute under 1666i / FTC Holder Rule ; Provide its compliance policy for these laws ; and Refund the {$24000.00} by check or direct deposit ( since both accounts are paid off ). 
The disputed balances were ultimately paid in full, including by using a self-directed IRA to pay off the XXXX XXXX XXXX XXXX. Additional interest, minimum-payment charges, and possible late fees were incurred as a result of this fraudulent transaction. Reimbursement of these costs is requested under 15 U.S.C. 1666i and the FTC Holder Rule, as they are consequential damages directly arising from the misrepresented transactions.

American Express has provided the same 60-day response repeatedly by phone, chat, and in writing.

Requested Action : Escalate this case to CFPB Enforcement / Supervision for review of American Expresss refusal to apply 1666i and the FTC Holder Rule despite FTC guidance instructing consumers to request chargebacks.

Require American Express to issue a substantive written legal response acknowledging its obligations under these laws.

Require American Express to refund the {$24000.00} obtained through misrepresentation, with reimbursement of all related interest and fees caused by the fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opend an account yesterday deposited XXXX dollars on the account. Which was the deposited that had to be made in order to open the account after that I had XXXX dollars sent to that account from the underdog betting app. After seeing the money didn't deposit I contacted customer service just to be told. My, only wasn't showing because I wasn't verified. Which is not understandable because why would your bank even let me open an account with out verifying myself. Now this account has been closed because I lost my temper with your customer service XXXX all I need to know is where is my money and when will I get it back or if we can we open the account t an I verify myself XXXX this page. This is a pathetic way to conduct business the only company my complaint is directed at is your bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/scrub> XXXX XXXX I used my SoFi debit card to purchase a XXXX XXXX for {$1200.00} from an online seller. After receiving the item, I discovered it was counterfeit. I have written confirmation from XXXX, a verified luxury authentication platform, stating the hoodies branding and construction are inconsistent with authentic XXXX production. 

I filed a dispute with SoFi under merchandise not as described/counterfeit goods and submitted all requested documentation, including proof of payment, photos of the item and tags, and XXXX authentication findings. Despite following all instructions and providing multiple updates, I have received only automated responses from SoFi and no resolution. It has now been several weeks since submission, and no provisional credit or decision has been issued. 

I am requesting the CFPB to review SoFis handling of this dispute, as I believe the investigation has been delayed and improperly managed. The transaction involved counterfeit merchandise, and SoFi has not provided any meaningful communication or outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 requesting the timely deletion of disputed accounts as per 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On or around XXXX XX/XX/year>, I opened a SoFi Checking and Savings Account. I did so in reliance on the advertised incentive of a {$300.00} credit to the account upon setting up a direct deposit and depositing at least {$5000.00} within XXXX days of the account opening. 


I completed the direct deposit form provided by SoFi and gave it to my employer. On or around XXXX XX/XX/year>, my employer directly deposited {$5000.00} to my XXXX account by way of its financial institutions. Shortly afterwards, SoFis app updated to indicate I had been upgraded to SoFi Plus : a green tick was prominently displayed indicating Direct deposit and Deposit received. 


I did not receive the promised {$300.00} incentive at the end of the XXXX period. 


Upon calling the call centre, on or around XXXX XX/XX/year>, to inquire as to why not, I was told by an individual purporting to be a supervisor ( who furthermore stated that she was based in XXXX ) that no direct deposit had been received : when I noted the contradiction in the evidence from the app ( which had not been contested by the agent prior to the supervisor ) I was told that SoFi did not accept complaints. I noted my position that a federally chartered banking institution must have some mechanism to accept complaints and asked to confirm the name and address of the regulated entity that held my funds : the agent refused to provide this information and hung up. 


As of the date of this CFPB complaint ( XXXX XX/XX/year> ), I have still not received the {$300.00} incentive payment : it is now well over XXXX days since the {$5000.00} direct deposit payment from my employer was paid to the XXXX account. 


I have subsequently found various negative reviews on the XXXX XXXX XXXX website that indicate similar failures by SoFi to pay the promised {$300.00} incentive to individuals who have opened accounts and arranged for direct deposit of {$5000.00}. I am concerned that this is a pattern of behavior, enticing individuals to open accounts at SoFi and then failing to make payment of the incentive payment that provided such enticement. 


In my own case, I satisfied the conditions to receive the {$300.00} incentive payment : SoFi has failed to pay, properly or at all ; in its customer service interactions, it has compounded its errors and, I say, attempted to frustrate my lodging a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 non-monetary relief
Consumer complaint received 2025-10-15 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:
Pursuant to 15 U.S. Code 1681g, please eliminate the disputed accounts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo closed account due to anti fraud measures where I couldnt make credit card payment go through. Bank ended up closing my credit card account and limiting my ability to make payment toward my auto loan. It was an anti fraud measure where other account that tried making payment wasnt releasing funds due to anti fraud measures of their own.

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 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I attempted to lease a 2 bedroom apartment from XXXX XXXX in eastgate. 

On the day I was to sign the lease I provided a direct deposit. 
I was informed my unit was being renovated. 
I was offered a month to month basis in an efficiency.

The efficiency was infested with roaches, had no working fridge, the broken refrigerator and AC had mold, and previous tenants belongings were still there. I was pressured into signing a 6
month lease by the property manager. I declined and moved.

This property manager was convicted for crimes relating to these practices. 

I never received my deposit back, I then had a debt in my name sold to a collection agency for over XXXX dollars. When I called XXXX XXXX and explained the situation I received an updated ledger for a balance of XXXX dollars in rent owed. I was not given the opportunity to pay before this second balance was sold to another collections agency. I have over XXXX dollars of debt negatively affecting my credit report from 2 different collection agencies with different balances for the same debt. 

When I sent transworld systems the updated ledger to contest the XXXX amount, they increased the amount owed. Did not remove the debt, they did not change the amount owed to reflect the updated ledger. 
I payed my rent before moving. I was defrauded. And three years later I am still fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NV

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Kindly act within the legal timeframe of 15 U.S. Code 1681g to delete the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent Bridgecrest a check for {$8200.00} and XXXX XXXX XXXX XXXX followed with a check for {$3400.00}. I had a car accident on XX/XX/XXXX and my car was totaled. On XX/XX/XXXX I should have had a credit, however on XX/XX/XXXX Bridgecrest reversed the payment of {$8200.00} XXXX but then on XX/XX/XXXX submitted it as a payment. But then on XX/XX/XXXX Bridgecrest again reversed the payment yet another time and posted lates fees of {$5.00} on XX/XX/XXXX and XX/XX/XXXX. I dont understand what is going on. They say I have a balance of {$8000.00}. To me I should have a credit of more than {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I opened a Coinbase account around XXXX and purchased XXXX. The account currently has approximately XXXX XXXX. Recently, I attempted to regain access to this account. Coinbase support confirmed in writing that there is still a balance, but my account remains locked and I have no ability to withdraw or use these funds. 

On XXXX XXXX, I contacted Coinbase to request withdrawal access. I provided all required identity documents and verification. Despite this, I have only received responses stating that my account is under internal review. On XX/XX/XXXX, Coinbase confirmed my account balance exists but still has not provided access or a clear reason why I can not withdraw. 

I filed a formal complaint with Coinbase on XX/XX/XXXX, and they informed me that I must wait up to XXXX business days ( until XX/XX/XXXX ) for a response. This means I have no access to my funds during this period. 

I believe Coinbase is withholding my assets without transparency or resolution. I am requesting immediate release of my XXXX balance or a clear explanation of why access is being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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