vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Company : Remitly Issue : Refund not received for canceled {$6000.00} transaction I am filing this complaint because Remitly has failed to return my {$6000.00} after a canceled transaction, despite repeated assurances that the refund would be returned to my bank account. I initiated Remitly transactions in XX/XX/year>. XXXX or more transactions were canceled around XXXX XXXX XXXX. Remitly representatives repeatedly told me that my refund would be returned by XX/XX/XXXX, then later by XX/XX/XXXX. As of XX/XX/year>, I still have not received the missing {$6000.00} refund. I have contacted Remitly support multiple times through XXXX. Each time, I received inconsistent information. Some representatives said the refund had already been issued. Another representative said XXXX transaction was still under compliance review, even though I had canceled the transaction and did not see any active transaction in my Remitly app. I was also told there were XXXX canceled transactions, XXXX ending in XXXX and another ending in XXXX, but I was not given a clear explanation of where my funds are. I provided Remitly with my bank statements showing the relevant debit/credit activity. On XX/XX/year>, I uploaded XXXX and XXXX bank statements as requested. Remitly then said the documents were not valid and asked for a different statement, even though the documents were downloaded directly from my bank. Their support team has repeatedly transferred me between agents, asked me to explain the issue again, and failed to provide a clear resolution. This has now been pending for over XXXX days. The amount is significant, and I need my money returned immediately. Remitly has given conflicting deadlines, inconsistent explanations, and no proof that the refund was actually processed. I am requesting that Remitly : Immediately refund the missing {$6000.00} to my bank account. Provide written confirmation of the exact transaction/reference number involved. Provide proof of refund, including date, amount, destination account, and trace/ACH reference number if applicable. Explain why I was repeatedly told different refund dates and why the transaction was allegedly under review after cancellation. Confirm whether any compliance hold remains and why. I have chat records, screenshots, transaction references, and bank statements available as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, I opened American Express complaint related to purchase protection claim XXXX. On XX/XX/year>, I called American Express to get an update, they refuse to give an update or to resolve it. I have provided them all the information they asked for to process the claim but there has been no resolution. I also tried to reach them via e-mail but they responded saying that they won't give an update and did not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On or about XX/XX/2026, Synchrony Bank reduced my credit limit from over {$1500.00} to {$350.00} without prior notice. At the time of this reduction, my balance was approximately {$340.00}. This action immediately caused my credit utilization on this account to increase to nearly 100 %, despite no increase in my balance or change in my payment behavior. I have maintained my account in good standing and have not missed payments. The change was simultaneously reported to the credit reporting agencies, including XXXX, XXXX, and XXXX, resulting in a significant drop in my credit scores. This timing has created a serious financial hardship, as I am currently in the underwriting phase of a mortgage loan. The sudden decrease and immediate reporting did not provide any opportunity for me to reduce my balance prior to the impact being reflected on my credit report. After becoming aware of the change, I made a payment of approximately {$220.00} in an effort to reduce the balance and mitigate the impact. However, the damage to my credit profile had already occurred due to the timing of the reporting. While I understand that creditors may adjust credit limits, this action created an immediate and unavoidable negative impact on my credit profile that does not reflect new borrowing behavior or increased financial risk.

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase freedom card ending in XXXX had an available offer that required activation. I activated the XXXX XXXXXXXX XXXX XXXXXXXX XXXX 30 % offer and purchased tickets using the link on the offer on XX/XX/XXXX. It has been more than XXXX days, and the offer has not yet posted. I bought the tickets through the link that was provided on the offer. XXXX XXXX XXXX XXXXXXXX XXXX is the merchant that came through on the transaction since they manage ticket sales for all tourist activities at XXXX XXXX, which includes the ice rink. I included screenshots of the activated offer, the transactions, the receipt of the purchase, and the expired offer when I reached out to Chase. The offer was for 30 % back, so I should be receiving a credit of {$21.00}. I have contacted them several times about this, with either no response or responses outside of the XXXX business days promised on the secure message center. After several weeks of waiting and several follow up messages I finally got a reply saying my offer was declined, stating : After reviewing your purchase from XXXXXXXX XXXX XXXX XXXX XXXX. on XX/XX/year>, we determined that the terms and conditions of the Chase Offers were not met we regret to inform we are unable to issue a statement credit to your account because this offer only valid on purchase made directly with the merchant. I asked for clarification as to why the merchant was not the correct XXXX even though they are the ones that manage that establishment and I used the link on the offer to make the purchase, to which I got essentially the same reply : After carefully reviewing your purchase from XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, we determined that the terms and conditions of the Chase Offers were not met. We are unable to issue a statement credit to your account because it is not a qualifying purchase. Does not fall under the XXXX XXXX XXXXXXXX XXXX. I do not know how many times I have to tell them this but, I purchased the tickets through the link on the offer. The receipt I provided as evidence clearly shows that the purchase was for the XXXX at XXXX XXXX. It is not my fault that the merchant on the transaction came through as XXXXXXXX XXXX XXXX XXXX XXXX. That XXXX manages all tourist activities at XXXX XXXX. This is why I decided to file a formal complaint with you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: HI

Complaint narrative:
There was a car loan associated with my name the Summer of XXXX. My credit report has suffered for XXXX long years, going beyond the regulatory statue of limitations period of XXXX years according to 15 U.S.C. 1681c. This is against the law and needs to be remediated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ADP Inc.
State: CA

Complaint narrative:
I am re-disputing a duplicate charge on my account. On XX/XX/XXXX, I was charged {$160.00} at the time of purchase. Then on XX/XX/XXXX, I was charged {$400.00} for the full order total, which already included that {$160.00}. This means the {$160.00} was charged twiceonce as a separate charge on XX/XX/XXXX, and again as part of the full amount on XX/XX/XXXX. Based on my records and the attached screenshot, this is a duplicate charge. I am requesting a refund of {$160.00} to correct this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I received a deposit of {$15000.00} into my checking account with Sofi. This deposit was for my severance from a company I worked for as an investor, and I even successfully verified myself and the transactions on the phone when contacted by them. I however am now in big turmoil as Sofi decided to restrict my account out of nowhere saying the transactions were irregular. I am livid because I have bills to pay and things to do and this is taking a major toll on my livelihood. They have provided no time frame, and I fear that I will be in the same predicament as other innocent people who have experienced similar situations with Sofi and have either remained restricted for months, or had their accounts closed with checks sent in the mail. This would be extremely inconvenient for me and I would like to receive an answer ASAP. Please reach out to Sofi and get this issue rectified because its extremely nerve-wrecking and I need access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am seeing a credit card on my account with capital one that was not open by me. It was a complete identity fraud opened by a woman named XXXX XXXX with her account at XXXX XXXX XXXX in XXXX XXXX XXXX. I have a police report for this identity fraud. she also fraudulently added me as an owner of her company and used my credit information that she had based on her offering to be able to get me a Line Of Credit, which never transpired in no way shape or form did I authorize or allow her to either put my name on her company nor open a credit card what she defaulted on caused me serious injury on my credit report. I dont have the card number. I dont know what address it was sent to. I dont have any information except for was charged off onto my credit report and who did the identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I reached out to Acima Leasing about receiving emails about someone attempting to connect a leasing agreement to my bank account. I closed the bank account to prevent any further activity. A few days later I received an additional email that the leasing agreement is active. I reached out to Acima attempting to get information and rectify the situation. Acima acts if the burden of proof relies on me. They refuse to give lease details, but expects me to confirm all my personal information. I received another email stating I verbally agreed to a new payment plan. They are liars because I refused to even confirm anything without them providing me information. I plan to push this because they have multiple complaints of harassing people and threatening people who have never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 8 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Kovo
State: CA

Complaint narrative:
I am XXXX XXXX XXXX I made a huge mistake by using Kovo to build credit when i couldve just used a XXXX XXXX credit card to build credit. There was fraud charged on my card so I ended up changing my card information and got a new card from XXXX XXXX they even confirmed that it was fraud charged on my card so thats why they sent me a new one I stopped my plan with kovo I just was paying them XXXX $ a month I didnt own them a thing. I guess I was supposed to do this for 24 months pay them and pay them but I was charged for things I didint approve and I ended my settlement because I no longer wanted fraud happening under my account and now they dropped my credit score XXXX points I believe I was tricked into ending my plan so this bad point drop of credit can be on my account I asked them if they can remove this they said no I need help guys if you guys can help me remove this off my credit I still am new at building credit but Kovo had no right to do this to me especially charge my card with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime is withholding my money on XX/XX/XXXX I filed a dispute ten business days later I received an email stating chime put XXXX on my account and then said they were going to send me a paper check because they closed my account XX/XX/XXXX I asked for a XXXX XXXX they said I would receive a check in 14 businesses days the 14 businesses days has passed and I need my money it is slowing my life down for me and my kids I can't buy food or toiletries or pay any bills this is causing to be an inconvenience for me and my family and I would like my money on a XXXX XXXX so I can take care of my family

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This issue involves a credit account reported by XXXX XXXX XXXX. The account shows a credit limit of approximately {$1000.00} and a reported balance of about {$880.00}. The last payment reported was in XX/XX/2022. Since then, I have disputed this account multiple times with the credit bureaus ( XXXX XXXX and XXXX ), most recently within the past few months. Each time, the account was marked as verified, but I was never provided with any documentation to support that verification. I specifically requested validation of this debt, including : The original signed contract A complete payment history Proof that the debt belongs to me The method of verification used Despite these requests, I have not received any of the above documentation. Additionally, the account contains inconsistent and incomplete information, including : Payment status listed as No Info Account reported as Open despite a long history of delinquency I have made good faith efforts to resolve this issue, but the creditor continues to report this account without proper validation. I am requesting a full investigation and the removal of this account from my credit reports if it can not be properly verified under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: AR

Complaint narrative:
Robinhood will NOT let me close my account! I dont know what had happened for them to deactivate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: NY

Complaint narrative:
I am filing a complaint regarding American Express handling of a billing dispute involving a {$320.00} charge from a rental car merchant ( XXXX ). This dispute has been ongoing since XX/XX/year> and remains unresolved despite my repeated efforts to provide clear and sufficient documentation. I have contacted American Express multiple times throughout this process, and notably, several representatives I have spoken with acknowledged that, based on the facts presented, this matter should be resolved in my favor. Despite this, the dispute has been closed against me more than once without adequate explanation. This dispute stems from a damage claim that I maintain is factually incorrect. The merchant has charged me for damage to a vehicle that I did not reserve, was not assigned, and did not operate. The vehicle I booked through XXXX did not match the vehicle that was actually provided to me by the rental company. The damage claim appears to be associated with a different vehicle altogether. I provided American Express with photographic evidence of the actual vehicle I rented, which does not match the vehicle referenced in the damage claim. Additionally, I made a good faith effort to resolve this matter directly with the merchant on XX/XX/year> ( upon departure ), and notified them at that time that the damage claim was incorrect due to the vehicle discrepancy. The issue was not resolved, and I was subsequently charged. Despite submitting clear documentation supporting my position, including evidence of the vehicle mismatch, American Express closed the dispute in the merchants favor. I was not provided with sufficient explanation of the evidence used to reach this decision, nor was I given documentation demonstrating that I was in possession of the vehicle tied to the damage claim. I believe I have met and exceeded my burden of proof in demonstrating that this charge is invalid. At this stage, the burden should be on the merchant to provide clear, verifiable evidence linking me to the damaged vehicle. To my knowledge, no such evidence has been provided. I am requesting that American Express : Reopen and reinvestigate this dispute Provide all documentation submitted by the merchant supporting their claim Explain how it was determined that I am responsible for damage to a vehicle that does not match the one I rented Given the length of time this has been ongoing and the inconsistencies in how this matter has been handled, I am seeking a fair and thorough review, along with removal of the {$320.00} charge. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with monetary relief