vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint against American Express regarding the abrupt and unjustified closure of my credit card account and the forfeiture of all my accumulated Membership Rewards points. 

My American Express XXXX XXXX ( last XXXX digits : XXXX ) had been used responsibly and was in good standing. I have been a loyal American Express cardholder for approximately 12 years. On XXXX XXXX XXXX, my account was suddenly closed without any prior notice, warning, or explanation. Additionally, XXXX of my Membership Rewards points were forfeited without justification. 

I contacted American Express customer service multiple times in an effort to understand the reason for the closure and to request the reinstatement of my account and rewards points. However, I received no meaningful explanation or resolution. The responses were vague, and no specific reason was provided for this action. 

This situation is concerning and feels arbitrary and unfair. It violates the reasonable expectations of customers who manage their accounts responsibly. I believe I have the right to transparency, due process, and a clear justification for such serious action. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Require American Express to provide a full and transparent explanation for the account closure.

2. Ensure the reinstatement of my XXXX Membership Rewards points. 
3. Investigate American Express 's practices related to account closures and rewards forfeiture without explanation. 

Thank you for your assistance in helping resolve this matter fairly and transparently. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues.

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I began transferring small amounts of cash from my checking account to Robinhood Markets IncXXXX via XXXX transfers starting on XX/XX/XXXX. By XX/XX/XXXX, I had transferred a total of {$5200.00} and made several purchases of bitcoin and began transferring these assets to my XXXX cold wallet which I have sole custody of. 

On XX/XX/XXXX, I initiated a transfer of {$100000.00} to XXXX  in order to continue to purchase bitcoin and transfer to my cold wallet. According to XXXX, my money would be available to invest on XX/XX/XXXX. On XX/XX/XXXX, I notified XXXX  to complain that their limitation in transfers of bitcoin to a cold wallet of {$1000.00} per day was unacceptable and that if it was not raised I would take my business elsewhere. Shortly after that, on XX/XX/XXXX, XXXX  restricted my account. My account was credited with {$100000.00} on XX/XX/XXXX but since my account was restricted, I had lost the ability to move my {$100000.00} of cash back to my checking account. I have since had XXXX support conversations with the XXXX call center ( XX/XX/XXXX and XX/XX/XXXX ) and supplied them with all of the documentation that they requested including photos of my ID and answers to questions regarding my cold wallet. In these calls they indicated that they were investigating suspicious activity but could not provide any information about the suspicious nature of the activity nor could they provide me with a timetable for resolution. 

Within the XXXX, a yellow banner would indicate that my account was restricted/frozen and that they would get back to my by XX/XX/XXXX. This later changed to XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to XXXX on XXXX ( formerly XXXX ) and provided them with my " account name '' and support ticket number. They confirmed that my account was being actively investigated and to reach out to them by email. Within XXXX XXXX, I received an email indicating my account was being investigated and they would reach out to me again as needed. 

At this point, I have no idea why XXXX has restricted/frozen my account and I just want access to my cash and bitcoin so that I can remove these assets from XXXX. The timing of the restriction seems very suspicious because I notified XXXX on XX/XX/XXXX that if the daily limitation of {$1000.00} worth of bitcoin to a cold wallet was not sufficient and if they didn't raise my limit then I would take my business elsewhere. On XX/XX/XXXX, my {$100000.00} was already on the way to XXXX so the subsequent restriction of my account seems on XX/XX/XXXX seems like a strongarm tactic to put my assets in limbo thus hampering my ability to discontinue use of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns.

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-01 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: TX

Complaint narrative:
I am submitting this request for correction regarding a late payment I believe was inaccurately reported. My records indicate that the payment in question was submitted on time, and this error is negatively affecting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 listed accounts doesn't belong to me. identity theft XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
This listed accounts doesn't belong to me. identity theft XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Buyer : XXXX XXXX XXXX : XXXX XXXX Date of Contract : XX/XX/XXXX Seller : XXXX, XXXX Assigned to : Capital One Auto Finance Vehicle : XXXX XXXX XXXX XXXX Amount Financed : {$25000.00} Total Sale Price : {$43000.00} Term : 72 months ( Monthly payment : {$580.00} ) Annual Percentage Rate ( APR ) : 12.35 % Key Observations for Dispute or Complaint Excessive Finance Charge : The finance charge of {$12000.00} is relatively high, especially on a used vehicle. 

If you were not clearly informed of the APR and the total interest cost, this could violate Truth in Lending Act ( TILA ) 15 U.S. Code 1638.

Forced Arbitration Clause ( Page 5 ) : You waive your right to sue in court. However, if this clause was not clearly explained or was included after the fact, it may be challengeable.

No Down Payment Listed, But " Other Cash '' {$1500.00} Collected ( Page 2 ) : If this {$1500.00} wasnt accurately disclosed or was misrepresented, it could be a TILA violation. 

As Is Vehicle Wording ( Page 4 ) + Lack of Warranty : Seller disclaims most warranties. If the car was sold with undisclosed issues, this might violate state consumer fraud laws.

Missing Co-Buyer Signatures in Some Sections : Could signal incomplete or improper execution, which may invalidate parts of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-07-01 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request to IQ Data International under FDCPA 809 ( b ), disputing a rental collection account of {$4800.00}. I requested a signed lease, itemized charges, assignment or purchase proof, and licensing documentation. IQ Data did not respond, yet continues to report the account to all three credit bureaus without verifying the debt as required by law. This violates FDCPA and FCRA, and I request that this account be removed until verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
CFPB Complaint Sofi Bank Fraud Dispute Denial I am filing this complaint against Sofi Bank for wrongfully denying multiple fraud disputes totaling approximately {$2200.00}, despite submitting evidence that I was scammed through fraudulent and deceptive transactions. I am a long-time Sofi Bank customer , and these denials have left my account in a negative balance and caused serious

financial harm. I filed formal disputes for the following cases : Dispute # XXXX / XXXX {$840.00} lost to scammer XXXX XXXX aka XXXX XXXX Disputes # XXXX, XXXX, XXXX, XXXX total {$1300.00} lost to scammer XXXX XXXX Dispute # XXXX {$150.00} lost to scammer XXXX XXXX XXXX XXXX XXXX In each case, I provided screenshots, timelines, and documented evidence of fraud, deception, and non-delivery of goods or services. I was defrauded by professional scammers through impersonation and misrepresentation.

Colleagues in my office were also scammed by the same individuals, but their banksincluding XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXrightfully refunded their losses. Sofis refusal to do the same shows a clear inconsistency in how fraud victims are treated across the banking industry.

I believe Sofi is violating my rights under the Electronic Fund Transfer Act ( EFTA ) and failing to provide basic consumer protection. I am asking the CFPB to investigate Sofi Banks dispute resolution process and urge them to refund my losses. I have also informed Sofi Bank that I will escalate this issue publicly through news outlets if not resolved.

Please assist me in reopening my dispute and holding Sofi accountable for failing to protect its customer from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a rental property in which I received the l first months rent and security via cashiers check from XXXX. I deposited the check into the account. It said that it would be available on a before XX/XX/XXXX. I called on XX/XX/XXXX and I was informed that they were able to call to do a verification that the funds were there and then they can release them but it couldnt be done until Monday. I called on Monday, XX/XX/XXXX and spoke with several different representatives as well as management and I was told that they were going to do an extended verification even after they verify that the funds were there and available I asked what reason they said they have the right to do that. They didnt give me any reason and I was also told by them that they would possibly be refunding the check and not cash in it due to insufficient funds, which does not make sense if you called and verified that the funds are already there, but decided to do an extended verification to still confirm after five more days that the funds are still there. Why would you return the check? Its a cashiers check. I even had the tenant go to their bank and have them see if anything can meet them on their rent to expedited and its everything on Bank of America side. Being a customer for over 18 years, this is not the type of treatment that I would expect.

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