vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$8000.00} to {$12000.00} and another Pay Over Time limit raised to XXXX XXXXAmerican Express decided to terminate its entire relationship with me in an unprofessional and discourteous manner. 

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships. 

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing. 

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification. 

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Wildhorse Financial Services, LLC
State: NJ

Complaint narrative:
XX/XX/year>. Found inquiry from Company called XXXX XXXX XXXX  XXXX, i called the company to remove this inquiry and that i have nothing to do with them. 
They said they will remove that by contacting the 3 bureas and take the inquiries off, i never heard back from them. 
So far its been almost YEAR. And nothing happened. And no one even try to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Please Update my address on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
In XXXX of XXXX i noticed fraudulent accounts on my consumer report with Equifax. I filed a dispute requesting the results of their findings. Within 30 days they notified me that that the charges were validated but failed to provide me these alleged findings. 

In XXXX of XXXX I filed a second dispute and reminded them that they did not provide me their results from the previous investigation in which they are required to. I also notified them they are required to validate the debt BEFORE furnishing it so it SHOULD be available to just give me. I received another response that the accounts are validated but again they did not provide me the evidence so that I could effectively file a police report. I have not received any information surrounding their investigation. I have multiple accounts that I requested an investigation for but Equifax closed them only a few days after allegedly looking into them. I sent XXXX to XXXX request but they continue to mark them validated with no supporting evidence. 

I filed an identity fraud report, a police report along with the additional required documents and sent it to Equifax. They received my packet of these documents on XX/XX/XXXX. Today is XX/XX/XXXX, which means they have failed to comply with 15 U.S. Code 1681c-2. They are required by law to block or remove the fraudulent/ derogatory information within 4 days of being notified. 

I called Equifax on XX/XX/XXXX to make them aware of their failure to block or remove the fraud/ derogatory accounts. I was told that my documents ( identity theft report and police report ) were invalid. When I asked what makes them invalid I was told because my packet did not include a copy of my social security card. ALL the required information WAS included in my certified packet and I had everything notarized, in which backs up that everything was included and that I am who I claim to be. 


Per my XXXX disputes BEFORE the filing of the identity report and police report they claim to have already investigated this. This would make a 3rd investigation. If it was already done twice then why is a 3rd investigation needed. I have not received their findings of these investigation. Absolutely nothing other than validated as accurate. They are not abiding by the law. These fraudulent accounts were supposed to be removed within 4 days of receiving all of the required fraud documentation. It is now 16 days later. The unauthorized furnishing of this information is affecting my business/ livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CITIBANK, N.A.
State: CO

Complaint narrative:
While trying to track an order I placed on the XXXX app, I called a number I found on XXXX for their customer service team. A person named " XXXX XXXX '' answered, I asked if this was the XXXX Customer Care and he said yes and that I had used the wrong spelling on my email address to place my order. He asked me to download an app called XXXX, said he would monitor my screen and asked me to send an email with my area code via my XXXX account. I was suspicious cause it seemed to me like transferring money ( I had never used a XXXX Gift card before ). I sent an email with my area code but my credit card bank notified me that I had transferred {$300.00}. I immediately called him out and he said it was because my XXXX  email id did not match the email id I used to place the order. He said if I transfer {$190.00} they would send me a gift card worth the total amount of {$500.00}. I was extremely suspicious and also desperate at this point because I lost {$300.00}. After making the XXXX  transfer, he told me to get a XXXX gift card to which they would transfer the money. I had no idea scammers used gift cards to scam so I proceeded to do exactly that. I got the git card which he made me take a picture of. All the while, the XXXX app was on XXXX mode on my phone, which he said was " only connecting to the server ''. I did not use any passwords because I have enabled Face ID but they did get me to try and use XXXX as a payment method for which I needed my SSN. XXXX did not verify my identity immediately so I dont believe my SSN is compromised. After I purchased the gift card and they failed to refund my money immediately, I was really suspicious and turned off XXXX on the XXXX app and gave an ultimatum that I would report them to the authorities if I don't receive my refund as soon as possible. He said it would take a couple hours for the money to be reflected on my account. I waited for over an hour and decided to call XXXX, explain the situation and cancel the gift card. XXXX obliged immediately. I called my credit card company ( XXXX Citi XXXX XXXX and explained the situation and asked them to try and cancel the pending transactions. They could not cancel but they disputed the transactions once posted. I was able to recover the {$500.00} from the XXXX gift card but am awaiting the result of the investigation from my bank on the {$500.00} transferred via XXXX Gift Card. XXXX said they could not help as it was a digital good and had already been used. Citi is denying my claim and will not reimburse 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I have tried contacting Robinhood multiple times multiple ways with no response. They restricted my account and told me it would only take a day. That was in XX/XX/2024. Now they have blocked me from contacting them in everyway. I want to move my crypto out to another wallet but they will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$8000.00} to {$12000.00} and another Pay Over Time limit raised to $ XXXXAmerican Express decided to terminate its entire relationship with me in an unprofessional and discourteous manner.

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships.

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing.

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification.

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Kikoff Inc.
State: CO

Complaint narrative:
I started using a kickoff card to have my direct deposits go to because they advertised that every time I made a transaction it would help my credit score go up. I never saw any change to my report nor did anything even show up on my report related to kickoff during the 6-8 months of me using the card and paying transaction fees consistently so I switched my direct deposit back to my normal bank account and stopped using the kickoff card. Since then kickoff now appears on my credit report negatively claiming I had a line of credit that had been charged off in the amount of XXXX dollars. I never had any credit provided to me as any money on that card was put on there by myself. It was supposed to work similarly to a secured card but was a debit card at least that was how it was presented. The inaccurate statement on my credit report is now affecting me negatively and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I made an purchase to an company XXXX XXXX XXXX XXXX CA for {$29.00} from an add on XXXX. I was attempting to purchase markers and coloring book set. After this purchase my account was charged fraudulently. The fraudulent charges were purchased on XX/XX/XXXX ; there were XXXX different charges to a shop called complete sport outlet XXXX CA. Charges were as followed : {$340.00}, {$320.00}, {$470.00}, {$430.00}, and {$410.00}. Again each of these XXXX charges from complete sports outlet were fraudulent. 
As soon as I realized these fraudulent charges had been made and my account was in a low cash mode I immediately canceled my debit card. My debt card is provided by PNC Bank. As soon as the charges were posted to my checking account I created a dispute and this dispute was stated to have been resolved and it was stated that I would be liable for these fraudulent transactions. I called PNC and opened another dispute stressing again that these XXXX charges to complete sport outlet were fraudulent. Today XX/XX/year> I just got another letter stating that the dispute has been resolved and it was stated that I would be liable for these fraudulent transactions. 
I am at a loss. These were significant fraudulent charges and this is harming my wellbeing and my bank ( PNC ) does not seem to care.

Company response to consumer: Closed with monetary relief