vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX. 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 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 2025-10-16 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, purchased multiple tickets to outdoor drone show for {$230.00} and $ XXXX {$9.00}, respectively. 

The ticket company was unable to provide full service. XXXX promised refunds for all customers. I received refunds for only XXXX set of tickets but not the XX/XX/XXXX purchased tickets. I did receive the {$9.00} processing fee. 

I wrote an email to the ticket company inquiring about the {$190.00} refund. They emailed back saying they were delayed but would process the refund. As of yet, I have not received it. 

On XX/XX/XXXX, I asked US BANK XXXX XXXX XXXXXXXX to do a chargeback. I submitted the email from ticket company as proof of promised refund. 

US bank did not properly investigate the dispute. Unfortunately, US BANK in fact reversed the provisional credit they issued. On XX/XX/XXXX, they wrote unable to assist. 

This dispute is straightforward since the ticket company has promised refunds. Im uncertain why US BANK did not properly investigate the 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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In early XX/XX/year>, American Express suddenly closed all of my personal and business credit cards, as well as my charge cards, after I was told that my financial review had not been approved. I had been an American Express customer in good standing for several years, with no missed or late payments, and I always paid my balances in full or on time. 

During the financial review, I was asked to provide documents verifying my income and financial capability. I submitted all requested documents promptly and cooperated fully with the review process. However, without any clear explanation or specific feedback, American Express informed me that my financial review did not pass, and immediately closed all of my accounts. 

This action caused significant inconvenience and damage to my credit profile and business operations. I was not provided with a clear reason or an opportunity to appeal or clarify the result. I believe this decision was made unfairly and without sufficient transparency. 

I would like CFPB to investigate whether American Express followed proper procedures in conducting the financial review, and whether they provided fair treatment and adequate communication before taking adverse action against my accounts. 

Approximate dates : XXXX review initiated : around late XX/XX/year> Accounts closed : early XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
This is a follow up for XXXX # XXXX Id like to add additional information to my complaint - MOHELA has been providing inconsistent information about payment dates and is avoiding direct contact. Ive attached my follow-up comments and concerns to them for documentation. They are giving me the run around on the phone and when they call back it goes straight to voicemail there never trying to make the call. Im not sure whats really going on I just want this handled- theres just trying to cover there end they never called me they put it as voice mail and wont answer the phone- if they do Im on hold then told Ill get another call back

Company response to consumer: In progress
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX : XX/XX/XXXX To : Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting CITICARDS XXXX Account Dear Equifax, XXXX am writing to formally dispute inaccurate and misleading information being reported on my credit file regarding the following account : * Creditor Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Date Closed / Charged Off : Reported as XX/XX/XXXX * Reported Balance : {$640.00} According to my credit report, this account has been closed and charged off as of XX/XX/XXXX. However, the payment history continues to show new late payments each month beyond the charge-off and closure date, including into XXXX, XXXX, and XXXX. This is inaccurate and misleading. 
Once an account is charged off and closed, additional late payments should not continue to be reported, as there are no longer monthly payments due under the original agreement. Continuing to report new delinquencies misrepresents the status of the account and unfairly damages my creditworthiness. 
Requested Action : I respectfully request that you investigate this matter and update or delete the inaccurate payment history beyond the charge-off date. Specifically, I ask that : XXXX. All late payments reported after XX/XX/XXXX be removed. 
XXXX. The account be accurately reflected as XXXX XXXX XXXX without ongoing delinquencies. 
XXXX. My credit report be updated accordingly and a corrected version be sent to me. 
Please find attached a copy of my ID and proof of address to assist in verifying my identity. 
This dispute is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I request that the results of your investigation be sent to me in writing within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
We received a Macy 's gift card with a balance of {$500.00}. The gift card has never been used, and the silver CID was unscratched when we received it.

Upon attempting to use it for the first time in a XXXX XXXX store in XX/XX/year>, we were told by the cashier that the gift card could not be used and to resolve the issue with Customer Service. 

When called in the same day and was told that there was a hold on the card due to the high balance. They claimed a case was opened and we would receive an email within 30 days. We were never provided a claim ID, and no email ever arrived. 

We followed up repeatedly in XXXX, XXXX, XXXX, and XXXX of XXXX. When calling in, Macy 's customer service has no record of our previous call. Each time, customer service would have no record of our previous calls nor the investigations into the card. Each time they would claim that " no record of a claim exists '', and we would have to start the process all over again. Each time they would ask for our phone number and email address and would say we should hear back on the claim within 30 days, but nothing would arrive. During the last call, my wife insisted on a claim number from the customer service rep, but the representative would deny it and threatened to disconnect because asking for a claim number was apparently " belligerent ''.

I followed up once more today on XX/XX/XXXX and received the same issues. The customer service rep said there were no record of claims on the card and would open one for us. When I insisted on a record and assurance this would not happen again, she would only read from a script saying " I will work with the gift card department '' and this was the only assurance she could give me. She refused to provide a name or claim ID I can use to generate a paper trail.

I escalated to a supervisor, and was stonewalled by him. He reviewed my card and told me for the first time that the card balance was transferred to a different account in XXXX XXXX. I told him that this was the first time I've heard of this from Customer Service and that we first received the card in XXXX, he would simply repeat the same line as from a script. He did not deviate nor attempt to help me resolve this, and would only say that the card balance was transferred to a different account. 

As of right now, Macy 's has {$500.00} of my gift card balance unaccounted for. Customer Service reps have told me that there is a hold on my gift card balance but there has never been any follow-up on claims. A supervisor has told me that the gift card balance was transferred to a different account in contrast to what customer service reps have told me, but was unwilling or unable to provide me any additional information or help me resolve this 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 2025-10-16 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: NC

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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I have paid and completed the XXXX with XXXX  XXXX. I have been trying to no avail since XX/XX/XXXX to XXXX this vehicle. I have spoke with over XXXX different people at XXXX on how to complete this process. THEIR website states someone will call at XXXX  days prior to lease end. That NEVER happened. Ive been calling and have been told repeatedly they can not help, call the dealership. The contract states to CALL CC leasing team for help, the car does NOT need to be returned to the dealership for them to do all the work. I called for inspection and was told they are NOT available to review the car at the address I gave them! PER THE CONTRACT they are supposed to provide a FREE inspection prior to end lease. I am STILL waiting for this inspection and the lease termed on XX/XX/XXXX ... NOW THEY wont even help with a purchase or return of the vehicle. Multiple violations/Breach of contract from XXXX  XXXX  and I'm still sitting here with the vehicle and can not do anything about this to close this terrible situation out. 
I have called previously for them to CHANGE my address and they will NOT change to updated address. They keep sending papers to the OLD address and there is a call record on their end of MANY address change calls along with myself changing it online only to have them CHANGE IT BACK TO THE OLD ONE! 
I have called every week for the last XXXX  months to get this resolved with NO HELP!! 
XXXX example of call : XX/XX/XXXX XXXX XXXX XXXXXXXX : XXXX : told me she cant transfer me NOR give me any info on the account. She hung up on me. ZERO help XXXXXXXX XXXX XXXX Would not give a name : Stated she will not give any information in regards to when they have called on the lease to instruct on steps at end of lease. Refused to give me any information on my account and said i had to call my phone company to get phone records to verify that THEY called XXXX. They never called me. 
XXXX XXXX in XXXX WI called XXXX  XXXX about the acct to help me and THEY told them they have been calling and leaving messages.... THere is NO record of this. LIES. 
I was NEVER instructed on lease end purchase and the XXXX XXXX needs information for the loan. I am unable to do this because XXXX  XXXX  is BLOCKING all information and not providing necessary information to complete this lease out. 
I am at a complete loss at who and how to get rid of this car after they have breached contract multiple times. This is the worst experience I have ever encountered in a XXXX company. Please NEVER use XXXX  XXXX  for loan or lease they will leave you hanging high and dry with a XXXX  lease and send FALSE information on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
The solar company has breached their contract and there system is not working and they are bill us while the system Is not working

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XX/XX/XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XX/XX/XXXXdays to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XXXX of XXXX, I transferred funds to my wife through the app. We decided to pay off our vehicle and my wife wrote me a check for just under {$7000.00} and I did a mobile deposit. Chase requested a phone call with us and her bank confirming the funds were available. Everything was approved but the funds were frozen. After a few days we called Chase back and they said it was under review if the funds were available. We once again called the other bank together for approval, managers confirmed but the funds were never released. About XXXX weeks later I called Chase and was informed my checking account was closed. The funds have still not been released after dozens and dozens of phone calls and visiting a nearby branch. A Chase representative always states the investigation is still ongoing and they have no further details, but will call once they do. Its been XXXX  years and I still havent received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 XXXXXX/XX/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 2025-10-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I purchased XXXX tickets with XXXX from XXXX to XXXX from XXXX XX/XX/year> to XXXX XXXX. On the way back, in XXXX, my XXXX daughthers and I were asked to pay another {$580.00} XXXX = {$2300.00}. I was told if I don't pay they will not let me back home in the XXXX. I was held XXXX. I did not aprove this charge and I refused to sign for it.

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 2025-10-16 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened XX/XX/XXXX -Balance {$99.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-16 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: PA

Complaint narrative:
Dear TransUnion 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 XXXX XXXX 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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report misleading and inconsistent information I received from XXXX I contacted XXXX several times by phone and was told they had no information on forgiveness programs. 
As a result, I missed potential eligibility for federal loan cancellation benefits. 
I request investigation and correction by CFPB. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Debt has not been validated and company obtained access to my private information without my consent. Being reported as a debt collection owed by a company I have never done business with, see attention Related complaint filed XXXX

Company response to consumer: Closed with non-monetary relief