vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for a new American Express credit card that was advertised " Earn up to XXXX XXXX XXXX  bonus points : Earn XXXX points after you spend {$6000.00} and an extra XXXX points after you spend an additional {$2000.00} in purchases on the Card within your first 6 months of Card Membership. '' I was approved and completed the required spending ( I already spent over {$16000.00} within the first 4 months ), expecting to receive the bonus. 

However, four months after my application, I still had not received the points. I called American Express twice, and both times I was told I was not eligible for the welcome rewards. This was the first time I was ever informed of any ineligibility.

I believe this is unfair and misleading because : XXXX ) I was never told during the application process that I was ineligible. 

XXXX ) I received no notification or message about being excluded from the offer neither before nor after completing the {$16000.00} spending. 

XXXX XXXX American Express silently declined to award the bonus after I met the spending requirement, even though I acted in good faith and have never misused any credit card. 

I relied on the XXXX offer in deciding to apply for this card and meet the spend threshold. Had I been informed of ineligibility upfront, I would not have opened or used this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing a charge of {$9200.00} to my credit card account with Chase Bank that was made on XX/XX/year> for a purchase at XXXX XXXX. The charge is in error because I did not buy these items and I did not authorize this charge. 

The charge was initially taken off my statement on XX/XX/year> when I flagged it as fraud and had my card stopped and a new card issued. On XX/XX/XXXX, the bank called to tell me that they re-opened the investigation and put the charge back on my card. Over the next two days, I had several phone calls with different people in the Chase fraud department. None of them provided me with any evidence that I had authorized the purchase. 

Finally, on XX/XX/XXXX, someone called me from the bank and said that I had called the bank at XXXX on XX/XX/year> and indicated that I had authorized the charge. I did not make a call to the bank at XXXX and my phone records show that I did not make this call. The only call I made to the bank that day was at XXXX to say it was a fraudulent charge and to stop my credit card. When I called the bank at XXXX, no one mentioned to me that someone had authorized the charge- they said they would stop my card immediately and send a new card.

Here is the evidence I have showing that I did not make the charge and told the bank immediately when I saw a fraudulent charge had been made. All of this evidence has been provided to the bank.

I was in a medical appointment from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. I sent the bank a letter from my medical provider with her contact information.

When I left the appointment, I checked my phone and saw a text from Chase that flagged the {$9200.00} as fraud and asked if I authorized the purchase. I answered no and the reply text told me to call the number on the back of the credit card. I have sent the bank a screen shot of this text, with the time stamps.

I then called the phone number on the back of my Chase card and told the person on the phone that I did not authorize the charge. The person told me the charge would be removed and my credit card would be stopped and I would be sent a new credit card. The charge was taken off my statement. My credit card was stopped. I was issued a new credit card. 

I have sent the bank the call log from my phone, showing the XXXX XXXX phone call to the bank where I told them I did not authorize the charge. It also shows that this is the only call I made that day. There was no earlier call made from my phone. There was no other call made that day from my phone.

I also sent the bank the email from Chase that was sent to me later that day, telling me that my card had been stopped and a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Date Dispute Was Filed XX/XX/year> I filed a dispute for a transaction categorized as goods or services not received. 

Cash Apps Violation of Its Own Policy : Cash Apps official XX/XX/year> Account Statement contains a legally binding Error Resolution Notice on Page 7. This notice, which is required under Regulation E, states clearly : " If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time It takes us to complete our investigation '' My dispute has exceeded the 10 business-day period. Cash App has repeatedly confirmed their investigation is ongoing and initially cited a 45-day resolution timeframe. Most recently, they extended this to 120 days. 

Despite the clear terms of their own published policy, four separate Cash App managers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX have refused to provide the provisional credit. Their argumentthat claims for " goods or services not received '' do not fall under the provisional credit requirementis irrelevant because their own published document makes no such distinction and commits them to the credit if they exceed 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I am submitting my formal rebuttal and supporting evidence showing that CPS received my certified mailing containing my notarized affidavit and Notice of Right to Rescind. Their response to CFPB falsely claimed non-receipt. I am including postal proof and copies of what was sent. I am requesting CFPBs intervention to compel CPS to provide contract validation, correct inaccurate reporting, and return my title/MCO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is an ongoing unresolved issue involving {$14000.00} in unauthorized ATM withdrawals made between XX/XX/XXXX and XX/XX/XXXX on my Citigold debit card in New Jersey and Pennsylvania, even though I reside in California. 

I promptly reported the fraud to Citibank, which denied most of my claims as untimely but later issued partial credits totaling {$3500.00}.

After I filed complaints with the Consumer Financial Protection Bureau, Citibank sent me a letter dated XX/XX/XXXX, stating that it had overturned part of the earlier decision and would honor the remaining unauthorized transactions totaling {$10000.00}. The letter said these funds would appear within 710 business days.

However, only weeks later, I received a second letter from Citibank reversing that decision and reaffirming the original denial, stating that I would not be reimbursed.

This contradictory sequence is highly irregular and suggests Citibank may have issued the refund letter to appease the CFPB and create the appearance of compliance, then rescinded it after the case was closed.

I request that the CFPB reopen this case and investigate Citibanks actions for potential misrepresentation and procedural non-compliance.

Exhibit A ( refund letter ) and Exhibit B ( denial letter ) are attached for reference.

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 2025-10-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Loan provider increased my interest rate without my consent. My original loan fixed interest rate was 3.99 % it then increased to 14.79 %. My amount of payments increase twice. My Payment amount was {$660.00} then {$770.00} now {$890.00} All in violation of the truth in lending disclosure. See exhibit A & B.

1. Increased interest rate.

2.increased payment amount.

3. Increased total payment amount 4 Increased Finance charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware closed my dispute and reapplied {$1100.00} without reasonable investigation ( FCBA 1666 ).

Core failures : Conflicting letters : XX/XX/XXXX rebill applied. XX/XX/XXXX ( to CFPB ) awaiting merchant response up to XX/XX/XXXX. Impossible. 
Illegible merchant evidence : XXXX XXXX sent smeared, unsigned XXXX XXXX XXXX XXXX XXXX XXXX XXXX No sales agreement, no cancellation policy yet Barclays claims I violated them. 
XXXX case numbers in 2 months : XXXX XXXX XXXX XXXX. No record in online account. 
Closed during active XXXX  XXXX  ( confirmed XX/XX/XXXX : still being investigated ). 
My XXXX evidence ( Certified Mail XXXX, XX/XX/XXXX ) ignored. 
XXXX CFPB ID XXXX closed prematurely. This is new fraud.

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Unauthorized Inquiry Removal FCRA Violation Dear TransUnion, I am writing to formally dispute and demand the immediate removal of the following unauthorized inquiries from my credit report : XX/XX/XXXXDate of Inquiry : XXXX  These inquiries are not authorized and do not meet the requirements for permissible purpose under 15 U.S.C. 1681b ( 604 of the Fair Credit Reporting Act ). I never applied for credit with these entities nor granted written authorization, which is required under federal law.

Continuing to report these inquiries constitutes a violation of my rights as a federally protected consumer. Under 15 U.S.C. 1681n ( 616 ), you may be held civilly liable for willful noncompliance with the FCRA.

I am formally requesting that you : XXXX. Delete these inquiries immediately from my credit file. 
XXXX. Provide me with written confirmation of their removal. 
XXXX. Supply the name, address, and business purpose of each entity if you claim these inquiries are permissible. 
Please treat this matter with urgency. If you fail to remove or properly validate these inquiries, I will have no choice but to escalate this with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek civil remedies in accordance with 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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is regarding inaccurate charge-off reporting and failure to correct or verify information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite submitting multiple disputes and supporting documentation to Experian, XXXX, and XXXX, as well as notifying XXXX XXXX XXXX directly, the disputed accounts continue to be reported with incorrect balances and inconsistent charge-off notations. 

The reporting patterns indicate repeated re-aging of the same debt and ongoing publication of inaccurate data, which violates FCRA 607 ( b ) ( accuracy of reporting ) and 623 ( b ) ( duty of furnishers after notice of dispute ). 

Details of the Inaccurate Reporting : XXXX XXXX Account ending in XXXX Reported as charged off with a {$6100.00} balance. 

Charge-off notations appear across multiple years ( XXXX ), indicating unlawful re-aging of delinquency. 

Account was closed at the creditors request but continues to show as a recurring charge-off balance. 

XXXX XXXX Account ending in XXXX Reported charged off with a {$3700.00} balance. 

Inconsistent charge-off months across all three bureaus, contradicting the same source data. 

No lawful correction has been made despite prior disputes. 

XXXX XXXX XXXX XXXX Account ending in XXXX Inaccurately reports a late payment despite being paid as agreed. 

The account remains open and current, but the bureaus continue to display the false delinquency. 

FCRA Violations Claimed : 607 ( b ) : Failure to ensure maximum possible accuracy.

611 ( a ) : Failure to perform a reasonable reinvestigation after dispute.

623 ( b ) : Failure of furnishers to correct or delete inaccurate information after receiving notice.

616 / 617 : Civil liability for willful and negligent noncompliance.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against ALLY FINANCIAL a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formally dispute several inaccurate and misleading items currently being reported on my credit file. In accordance with FCRA 611 ( 15 U.S.C. 618i ), I am exercising my right to have these items investigated and corrected. The FCRA 602 emphasizes the importance of accurate credit reporting as a reflection of a consumers creditworthiness, and I believe the following accounts are not being reported with complete accuracy. 
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  Balance : XXXX Date Opened : XX/XX/2023 Payment Status : Late XXXX  Days 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 Balance : XXXX Date Opened : XX/XX/2023 Payment Status : Late XXXX  Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} -tied up

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 2025-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim. I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Transunion has my log in info now they won't let me get pass the create account.its frustrating and I can't even log in my equifax

Company response to consumer: Closed with explanation