vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX my Amex credit line was increased from {$20000.00} to {$26000.00}. I have never missed a payment, almost always pay more than the minimum, and use the card regularly, therefore it is active. Additionally, my credit score is currently XXXX. Today, XX/XX/XXXX, without sufficient warning, Amex lowered my credit line to {$5400.00}, rendering my card nearly maxed out and affecting my credit score dramatically. When I contacted them today, XX/XX/XXXX, they claimed my payments were not high enough and said they sent me a single email on XX/XX/XXXX, demanding {$1200.00} immediate payment or my credit line would possibly be reduced. I did not see this email, and therefore did not even know about this possible decrease. I received no written notification. The email also explicitly says my credit line may possibly be reduced. 

I am arguing that this is unfair and predatory behavior from Amex. I was not even given a full week to even make the payment, had I been properly notified. I have been a customer with them since XXXX and have never had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
Was told refund was processed for 70 % of travel booking amount and every agent I spoke to said the refund was processed. Yet refund has not appeared on the account and American Express agents, including supervisors, can explain why. This has been going on for over 2 months and it is still not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
I recently checked my credit report and notice inaccurate information that doesnt belong to me

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 2025-07-06 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: IL

Complaint narrative:
I recently checked my credit report and notice inaccurate information that doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: AZ

Complaint narrative:
Subject : Formal Complaint Against E * TRADE / Morgan Stanley for Unjust Account Closure and Lack of Resolution Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against E * TRADE, a division of Morgan Stanley, regarding the unjust closure of my checking account, savings account, and personal investment brokerage account, along with the banks failure to provide a clear resolution or communication thereafter. 

The only explanation I received was a vague statement claiming they believe the accounts were opened fraudulently. This is categorically false. I opened all of these accounts personally, using my accurate personal information and full documentation. I have never misrepresented myself or used fraudulent means to open any financial account. 

Upon receiving the closure notice, I immediately called the phone number listed in the letter and clearly stated that I had opened the accounts legitimately. The representative acknowledged my concern and said my response would be documented for review. However, no one ever followed up with me, and I was never given the opportunity to provide any supporting documentation or explanation. 

This is especially troubling because : I received no specific details or evidence regarding the alleged fraud claim. 
E * TRADE/Morgan Stanley has not responded to my appeal or request for reinstatement. 
Their lack of transparency and due process has affected my access to funds, disrupted my financial planning, and damaged my trust in the institution. 
I am requesting the CFPB to review this matter and hold E * TRADE / Morgan Stanley accountable for : Unjust account closure without due process Lack of fair communication or appeal process Failure to provide documentation supporting their claim Ignoring customer attempts to clarify and resolve the situation I would like a formal investigation into the closure and request that the institution be required to either : Reinstate my accounts, or Provide a written, detailed explanation of the closure decision along with a clear path to resolution. 
Thank you for your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed my Robinhood account was being closed. 
On XX/XX/XXXX, they sold all of my assets without warning and shutdown my account. 
On XX/XX/XXXX, I contacted support to ask as to why my account was being shutdown, and how long it would take for my funds to be refunded to me. I received a completely automated message with 0 useful information. 

Any other well known financial broker would have sent me a check with a balance equal to my liquidated assets within a week but XXXX told me it would take over 100 days. 

The whole reason I used XXXX at all was because it was highly liquid. Now I need this money to pay for a mortgage and I can't access it for over 100 days apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
After reviewing my credit report, I noticed a fraudulent charge on my credit profile per following XXXX XXXX  account number XXXX open date : XX/XX/year> balance 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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
They tried to close my account on the behalf they was letting people or companies take money out my account closed my card down I cant use a card to cash app. I been having problems for so long

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Sunday, XX/XX/year> around XXXX I tried to close a Cash App account I had and it was very confusing and difficult to find out how to do so in the app. I had to XXXX how to close the account and it took me to a different area of menu selections once I selected the account closure XXXX search information. From there it asks for an email address and to confirm said address and never says that the account is closed before taking you through a series of steps that will REOPEN an account. The only email I received from Cash App says my email address is not linked ; nothing that states my account is closed. There is no way to confirm if my account is closed. Closing an account should not be this difficult and ambiguous. I also should not have to have a Cash App account to contact Customer Service through chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some information I am unfamiliar with. I have asked the CRAs to remove all personal infomation that does not belong to me such as names, addresses, employers, and phone numbers. As well as all of those hard and soft inquires on my credit profile, however, the information has not been provided with proof or has it been removed from my credit profile. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. And according to the FTC FCRA you all have within XXXX  days or less to remove all this false information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I been dispute a lot of inquiries on my report that I did not give consent to in my identity has been stolen before which state that on my credit profile in every time I dispute it saying I did not do this they will not remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
b'please see supporting documentation pertaining to equifax data breach'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased an XXXX XXXX projector through an online transaction from an XXXX seller XXXX which I later discovered is not legally available for sale in the United States XXXX As per Part 15 of FCC rules, this item can not be sold, used or supported in the United States. I proved this to the credit card company by submitting a large number of documents and photos, both via their website and by certified US mail. The credit card company has denied my claim twice, telling me that I haven't provided proof. I gave them proof of their receipt of the package of documentation, but the operator didn't appear to understand this proof ( XXXX tracking number, etc. ). I opened a new dispute ( the XXXX ) and asked the operator to please provide a detailed report of their entire investigation process and what they did on their end to come to their conclusion ( XXXX ). The operator ignored my request entirely. This dispute should be found in my favor, since I was fraudulently sold an item which is " NOT AS DESCRIBED '', as it is ILLEGAL to sell or use this item in the United States.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am filing this complaint in connection with a disputed private student loan serviced by Citizens Bank that was unjustly charged off during a transitional period in which I was preparing to enter graduate school. 

In early 2025, I contacted Citizens Bank to request a forbearance based on extenuating financial and educational circumstances. My first request was denied due to a technical error in the application. The second was denied because the loan had crossed the XXXX past due threshold even though I had been actively communicating and attempting to resolve the matter. 

In XX/XX/year>, a Citizens Bank representative acknowledged my circumstances in writing and confirmed that my repayment would be due in XXXX. Following a phone call with a representative, I was assured that if I brought the loan current to within 60 days past due, I would be eligible for forbearance. 

Acting on that guidance, I made multiple payments between XX/XX/XXXX and XX/XX/XXXX totaling {$450.00} toward a {$600.00} balance which, per their own criteria, should have brought the account within eligibility range for forbearance. I have attached a bank statement and email documentation confirming these payments and conversations. 

Despite this, Citizens Bank proceeded to charge off the loan in XXXX and still accepted my payment afterward despite being fully aware of my transition into law school, my repeated communication attempts, and the fact that I was acting in good faith based on their own guidance that this payment would qualify me for forbearance. 

I believe the charge-off was premature, harmful, and made in bad faith. Citizens Bank was fully aware of my consistent communication, intent to repay, and reliance on their own stated forbearance criteria. Their actions directly contradict the guidance I received and reflect a broader pattern of poor servicing and lack of transparency. My full credit report supports this, showing that Citizens Bank is the only creditor reporting adverse activityhighlighting how isolated and disproportionate their response was compared to my overall record of responsible financial behavior and how other servicers supported my transition into law school. 

I am requesting that Citizens Bank immediately : Remove the charge-off from my credit report, Issue a written correction to all credit bureaus, Provide confirmation to me and to the Department of Education that this account is no longer considered charged off. 

This dispute has placed my legal education and housing at risk. I have acted in good faith at every stage, and Citizens Banks mishandling of this situation should not cause long-term financial harm. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I resigned, and a wage issue was documented on XX/XX/XXXX. The first notification of a {$140.00} debt was received on XX/XX/XXXX, XXXX  days after resignation, from XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, I sent a dispute requesting validation. On XX/XX/XXXX, XXXX XXXX responded with a vague explanation about workflow and high volume, providing no validation details. On XX/XX/XXXX, I emailed XXXX XXXX XXXX and XXXX XXXX  requesting justification for the delay by XX/XX/XXXX, but received no response by that date. The delayed notification and lack of sufficient information to verify the debt violate timely dispute rights and state law requiring prompt wage adjustments, as well as a contracts XXXX grievance filing rule. This delay breaches Florida Statute XXXX, which mandates prompt notification of wage issues, further supporting the claim that the debt collection process by XXXX XXXX XXXX and XXXX XXXX  was improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am writing to formally follow up on a previous dispute regarding XXXX  unauthorized hard inquiry that remains on my credit report, despite prior requests for its removal. 

I am deeply concerned by your agencys continued failure to resolve this issue. I have clearly stated that this inquiry was made without my knowledge or consent. When will you comply with your responsibilities under the Fair Credit Reporting Act ( FCRA )?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) , I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX - Date of Birth : Date of Birth : XX/XX/year> - Current Address : XXXX XXXX XXXX XXXX XXXX Mississippi XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation