vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Through shopify online store XXXX purchased fabric on XX/XX/year>. XXXX. Was delivered on XX/XX/year>. 

Online shop has a 14 day return policy. 
Customer requested a refund on XXXX XXXX nearly 2 months after receiving item which is outside of return window. 

Iimage and video was sent to Customer to confirm the item and Customer confirm it's the fabric they want. Item delivered and Customer was satisfied with item. Fabric is worn as a traditional robe for events.

It's believed once Customer used the Fabric for event Customer wanted refund 2 months later. 

Amex still sided with Customer. Return policy was not upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding the Citi / AAdvantage XXXX XXXX XXXX XXXX. 

I opened this card before Citi introduced Authorized User ( AU ) fees. When I opened the account, authorized users were free, and that was a key reason I chose this product. 

At some point after the policy changed, Citi began charging XXXX fees to my account. I was not aware that the fee had been added, and I do not recall receiving or acknowledging any clear notice about this change. Because the account was set to autopay and was not used frequently, the fees went unnoticed for two billing cycles. 

When I recently realized the fees and contacted Citi, I requested clarification and asked for a refund since this fee was not part of my original agreement and I was unaware of the change. Citi declined to refund the fees. 

I understand that under the Credit CARD Act, a bank must provide clear written notice at least 45 days before imposing new or increased fees. Since I never knowingly received or saw such a notice, and Citi has not provided evidence to confirm if/when one was sent, I am requesting CFPB review .

I am asking for : Documentation from Citi confirming whether proper advance notice of the XXXX fee change was provided ( including the date and delivery method ). 

A refund of the authorized user fees collected after the terms changed. 

A review of whether Citi followed regulatory requirements in modifying fee terms for existing cardholders. 

Thank you for your assistance. 

I attempted to resolve this directly with Citi, but their refusal and lack of documentation left me no choice but to seek assistance through CFPB. 

Additional Information My last login to my Citi account was on XX/XX/XXXX, which was prior to the authorized user fee policy change on XX/XX/XXXX. This also means I opened and maintained the account under the original terms before the policy change. Because the account was on autopay and used infrequently, I was not actively monitoring the account after that date. 

I was charged the authorized user fee twice, each time {$170.00} : XX/XX/XXXX XX/XX/XXXX These charges occurred without my awareness and without any acknowledgment or consent from me regarding the change in terms.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XX/XX/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 2025-11-23 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and Experian has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The heart of my complaint is that the bank provided clear, documented misinformation regarding the availability of a significant deposit. On Friday, XX/XX/XXXX, I deposited a large check, and both the branch employee and the official transaction receipt explicitly confirmed that the funds would be fully available today, Saturday, XX/XX/XXXX. Despite this specific, written promise, the bank failed to release the funds, imposing an arbitrary hold that immediately plunged my account into a negative status. The severity of this failure forced me to hastily borrow money from my mother to cover the negative balance and prevent the accumulation of further unauthorized fees, demonstrating the immediate personal financial distress caused by the bank 's error. Furthermore, when I contacted the Branch Manager to resolve this urgent situation, I provided all necessary verification contacts for the check but was met with a flat refusal to make a simple, standard banker-to-banker call, which I view as a profound failure to mitigate the damage caused by their initial broken promise.

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 2025-11-23 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-23 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: NJ

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-23 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: AZ

Complaint narrative:
Hi EXPERIAN, I want to personally thank you for taking the time to read this email. 
After reviewing my most recent credit reports I noticed late payments on XXXX XXXX for my XXXX XXXX XXXX XXXXXXXX. 
I fully understand my obligation to make on time payments, and if it weren't for being laid off due to budget cuts ( a result of Covid, that caused me to miss a payment, I'd have an outstanding payment history. Since then, I have consecutively made on -time payments and kept my credit utilization low. 
I'm planning to finance a car and the missed payment on my credit report could drastically affect my chance of qualifying. 
As stated, before I fully understand my financial obligation but this is not an accurate reflection of my ability to repay debts owed. 
I would greatly appreciate it if you could give me a second chance and remove the late payment reported on XXXX XXXX Thank you for your consideration, and I hope you'll approve my request. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
Identity Theft & amp ; Failure of TransUnion to Remove Fraudulent Accounts FCRA 605B, 611, 623 ( a ) ( 6 ) I am submitting this formal complaint regarding multiple fraudulent accounts that remain on my TransUnion credit report despite my identity theft filings. These accounts do NOT belong to me, and I did NOT open or authorize them. I am requesting enforcement of the Fair Credit Reporting Act ( FCRA ) to compel TransUnion and the furnishers to remove these fraudulent accounts immediately. I am filing under the following laws : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Blocking This section requires TransUnion to BLOCK and REMOVE fraudulent accounts within 4 business days after receiving : My identity theft report ( FTC affidavit ) My written statement, My identification and Proof of address. 2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation Requirements This law requires a reasonable reinvestigation of disputed accounts and mandates that any unverifiable or fraudulent account must be deleted. 3. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s2 ( a ) ( 6 ) ) Furnisher Investigation Duties The furnishers ( banks and creditors ) are legally required to investigate identity theft claims, stop reporting fraudulent information, and notify the bureaus. FRAUDULENT ACCOUNTS REMAINING ON MY TRANSUNION REPORT : 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 These accounts were not opened, authorized, or used by me. They are the result of identity theft and are causing ongoing harm including credit denials, damaged creditworthiness, and financial hardship. I am requesting : Immediate blocking and removal of all fraudulent accounts under FCRA 605B A full reinvestigation under FCRA 611 Enforcement of furnisher duties under FCRA 623 ( a ) ( 6 ) A corrected and updated TransUnion credit report.. Written confirmation of all deletions. All statements in this letter are true and accurate to the best of my knowledge.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: AL

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 explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: NV

Complaint narrative:
On XX/XX/year> I noticed my card was being used at XXXX XXXX online betting site because the charges were appearing on my mobile app, I did not use my pay card online to place a bet. On my online app it showed the charges as pending. I quickly called the company to put a stop on it. They did shut down my card and assured me that they would replace my money about a week went by without hearing back from them, and then on my mobile app, it appeared that my dispute was denied for {$630.00} two separate beds were placed that cleared on XX/XX/XXXX. The first bit was for {$220.00}. The second bet was for {$410.00}.. I did not make these bets and this XXXX XXXXXXXX XXXX is not allowed in XXXX I live in XXXX XXXX XXXX 
Wisely Re : case XXXX for account ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-23 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Inaccurate information that is currently being reported on my credit profile. The accounts listed below are showing late payments that I did not incur. These accounts were never paid late at any time. 

I am requesting that you immediately investigate and correct these inaccuracies. Please update the payment history to Paid as Agreed or remove the accounts entirely if you are unable to verify the accuracy of the reported information. 

I have attempted to resolve this matter previously, and this letter serves as my final attempt to correct these inaccuracies before pursuing additional remedies available to me under federal law. 

Please send me written confirmation of the results of your investigation. 

Thank you for your prompt attention.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I have no idea whats this is for I just got released from XXXX XXXX XXXXXXXX with a XXXX XXXX and had zero bills, no car, house, credit cards, or anything of the sort

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-11-23 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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