vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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:
On XX/XX/2024, I purchased one ticket through XXXX for {$690.00} to attend the XXXX XXXX XXXX game between the XXXX XXXX XXXX and XXXX  XXXX at XXXX XXXX XXXX. The game was scheduled to start at XXXX XXXX. 
I arrived at XXXX XXXX XXXX on time for the XXXX XXXX  start. However, due to a security issue at the venue, I was not permitted to enter the arena until XXXX XXXX  - nearly 2 hours after the game had begun. I remained on-site the entire time waiting to be admitted. 
By the time I was finally allowed to enter at XXXX XXXX, I was only able to watch the final 10 minutes of the game. I immediately complained to both XXXX and XXXX XXXX XXXX staff about missing virtually the entire XXXX XXXX XXXX  game I had paid {$690.00} to see. 
Despite paying full price for a premium ticket to experience a complete XXXX  game, I received essentially no value from my purchase due to the venue 's security issue - circumstances completely beyond my control. 
I have disputed this charge twice with American Express, but both disputes were denied with Amex stating the ticket was " not refundable. '' However, this is not a refund request for buyer 's remorse- this is a complaint about complete failure to deliver the goods and services I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NM

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX for reporting false, misleading, and re-aged derogatory data on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and Department of Education servicing guidelines. 

This loan was a federal student loan originated in XX/XX/XXXX, with a XXXX maturity period, making it legally mature by XX/XX/XXXX. Despite this, XXXX is reporting false delinquencies in XXXX well beyond the loans maturity including a fabricated Date of First Delinquency ( DOFD ) of XX/XX/XXXX. 

This constitutes illegal re-aging under FCRA 623 ( a ) ( 5 ), as well as willful misrepresentation of a federal debt. 

Additionally, XXXX : Inflated the account balance from the original ~ {$3600.00} to over {$4700.00}, which exceeds the highest reported credit limit and has no supporting documentation. 

Failed to notify me before ending administrative forbearance or resuming repayment, violating federal servicing protocols. 

Did not respond to three separate certified disputes I sent : XX/XX/XXXX Initial dispute XX/XX/XXXX Final demand for correction or deletion XX/XX/XXXX Legal addendum citing additional violations These letters demanded : Removal of all inaccurate late payment history Correction of DOFD to reflect actual account history Application of retroactive forbearance Deletion of the tradeline if compliance could not be met To date, XXXX has failed to comply. 

Their false reporting has caused credit damage, mortgage delay, and substantial distress. This is willful noncompliance under FCRA 616617, and I am prepared to pursue statutory and actual damages in court if this is not corrected. 

I am requesting : Full deletion of the EdFinancial tradeline from all three credit bureaus Formal response from the company within 10 calendar days Referral to the Department of Educations FSA Ombudsman, and/or enforcement division, if they fail to respond All supporting documents, certified letters, and screenshots are available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Today, XX/XX/2025 approximately XXXX XXXX  I was at the checkout at Marshals  located at XXXX XXXX XXXX, XXXX, GA XXXX. The checkout staff asked if I wanted to be part of the reward program, at first I said no because I was in a rush, then she said it only needed 2 information and it was fast, I said ok and filled the information that she asked, she completed my purchase and with my receipt there was a paper with the credit card information. At any moment was mentioned to me that a credit card account was being opened, I was mislead to think it was a store rewards program only, I would have never authorized a credit card account to be opened. 
I called Synchrony Financial at XXXX XXXX  at the number XXXX to request that my application was canceled and not processed, they refused and said I would have to wait for the approval letter, I repeated multiple times that at the store I believed I was providing information for a store rewards program only, did not intend to apply for or open a credit card account and asked to for the application to be withdrawn, they still refused and told me to wait for the approval letter. 

I did not knowingly consent to apply for or open a credit card account, I feel mislead and feel like I fell for a scam.

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 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NH

Complaint narrative:
The following company is reporting an account that is not mine. I have never had a XXXX XXXX account within the past ten years. Since this is not my debt I refuse to contact this agency and will take legal action if this company doesnt remove and/or prove legitimacy. I have disputed this with XXXX  and am awaiting a response. This is negatively impacting my credit, credit score, and I recently got denied credit. 

XXXX XXXX XXXX : debt collector XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX : original creditor Past due : {$130.00} XXXX XXXX XXXX XXXX start XX/XX/year> XXXX  start date unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
Email sent. 

I am writing to file a formal complaint regarding incorrect equipment charges that have been sent to collections under my name. 

Background : * I was a tenant from XX/XX/XXXX to XX/XX/XXXX. 
* The XXXX not me, holds the account with XXXX. I never signed any agreement or contract directly with XXXX. 
* When I moved out, I left all the XXXX XXXX  in the apartment as instructed. When the next tenant moved in, your technician collected the old equipment and installed new equipment.

* Despite this, I am now being pursued by CBHV ( Credit Bureau of the XXXX XXXX ) for alleged charges related to this equipment. 

During the past two months we have contacted XXXX multiple times regarding this issue. Unfortunately, all we have received are delays and no clear resolution. One customer service agent, Isa, opened a ticket for us under number XXXX, but we never received any follow-up or information. ( Many calls were made ) Later, one of the agents named XXXX told us that everything was going well, that an investigation was underway, and even confirmed that the technician who collected the equipment had been identified which matches what the new tenant confirmed when she said XXXX removed the old devices and installed new ones. However, this past week when we followed up again, another agent, XXXX, told us that the ticket had been closed without any resolution and then hung up the call without giving us further instructions. 

This continued mishandling has left us without answers, while the collection process is already damaging my credit and may affect my ability to obtain a loan.

I have disputed the debt with CBHV and requested validation, as I am not responsible for these charges. This collection is damaging my credit and may affect my ability to obtain a loan. 

I respectfully request that XXXX : 1. Investigate and confirm the equipment return with your technician records. 
2. Immediately recall the account from CBHV and notify them that I am not responsible.

3. Provide written confirmation to me that this matter has been resolved and that no negative credit reporting will occur.

Until you provide such validation, you must cease all collection activity, including reporting or continuing to report this account to any credit-reporting agency. If this account has already been reported, please notify all credit-reporting agencies that the debt is disputed.

Please confirm receipt of this complaint and provide me with a case number. I would appreciate a written response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i do work in contraction, i do some work for a deli store Name : XXXX XXXX XXXX so they give to me a check i went to the chase bank and deposit it after a few days the close my account, so i go to the bank they told me we closing your account because we can not verify from the store. i go back to the check owner he told no problem i will go with you to the bank than we go to the bank and they told me no we need you to add info into XXXX website so the we go to the lawyer and add all the information online so i back again to the bank the told me we will not give you your money they going to uses my money one year than send it to you. I try to solve that problem but they won't.

one of the worker inside the bank told me they did it to money time if you need your money you have to make a compliant to the CFPB please help me to solve that problem to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
The investigation did not fix an error on my report

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 2025-09-13 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: GA

Complaint narrative:
The investigation did not fix an error on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: IN

Complaint narrative:
Inaccurate Auto Loan Reporting Deleted from One Bureau but Still Showing on Others Details of the Complaint : I am disputing inaccurate auto loan information that is being inconsistently reported across the credit reporting agencies. 
The auto loan account automotive credit corporation has already been deleted/removed from XXXX  after XXXX dispute. 
However, the same account is still being reported inaccurately on XXXX  and Trans Union This creates an inconsistent and misleading credit profile, harming my creditworthiness. 

I have documentation that the account was removed from XXXX bureau, which confirms it should not be reported at all. The continued reporting by other bureaus is inaccurate and unfair. 

Resolution I am Seeking : I am requesting that the CFPB require automotive credit corporation and the credit reporting agencies to : Delete this inaccurate auto loan account from all credit reports, not just XXXX bureau.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, Robinhood automatically placed a restriction on my brokerage account when I attempted to relink a debit card. The debit card was in my former legal name, which had also been on my Robinhood account for years prior to a recent name update. This debit card had already been verified on my Robinhood account in the past. I had only unlinked it temporarily in order to link another debit card, since Robinhood allows only one debit card at a time. 

The restriction occurred when I attempted to withdraw funds. On XXXX, I immediately contacted Robinhood customer service, explained the situation, and was verified by answering detailed questions about recent activity on my account. The representative confirmed they understood the situation and guaranteed me that the restriction would be lifted shortly. 

On XX/XX/XXXX, after the restriction remained, I contacted Robinhood again. This time I was asked to provide multiple documents, including my passport, selfies, and bank statements from each bank account I had linked. I complied fully with these requests. Robinhood then told me the restriction would be lifted by XX/XX/XXXX. 

Despite this clear promise, as of XX/XX/XXXX, the restriction remains in place. I have contacted Robinhood every day since XXXX and each time I am told only that my case is under review, with no resolution, no clear timeline, and no access to my funds. 

I have had this Robinhood account for several years without issues. This delay is preventing me from accessing my own money, despite my compliance with all verification requests and despite Robinhoods repeated assurances that the restriction would be lifted by XX/XX/XXXX. 

I am requesting CFPBs assistance to compel Robinhood to immediately complete its review and restore access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MOHELA
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of information appearing on my credit report. The information in question relates to a XXXX XXXX education loan account. 

On Page 6 of my XXXX  report ( dated XX/XX/year> ), this account is listed under XXXX XXXX XXXX with a history of multiple delinquencies ( 30, 60, 90, 120+ days past due ) and narrative codes indicating late payments. 

However, on Page 2 of my Dispute Results report ( dated XX/XX/year> ), the same account is shown as belonging to XXXX XXXX, with a completely clean payment history and status marked as Paid in full with a {$0.00} balance. 

Discrepancies to be corrected : The account responsibility is incorrectly attributed to XXXX XXXX XXXX. Dispute results show the responsibility belongs to XXXX XXXX. 

The payment history is inaccurately reported. Page 6 lists multiple late payments, while Page 2 of the dispute results confirms a clean history with no delinquencies.

Narrative codes ( 93, 97, 120, 248 ) appearing on my file are inaccurate and should be removed.

There is incorrect reporting on all credit reports. I have been unable to obtain a mortgage because of this and the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
Issue : Cash App ( Block, Inc. ) closed my account in 2024 and is unlawfully withholding my funds of {$3500.00}. They are requesting me to open a new account or file an appeal. Not interested in either one. 

Details of Complaint : In 2024, Cash App closed my account citing not following guidelines. No specific violation was provided, and I was not given any opportunity to dispute the closure or provide clarification. At the time of closure, my account contained a balance of {$3500.00}. 

I contacted Cash App support multiple times through their app and official channels. Each time, I was told there is no way for them to return my funds. This response is unacceptable. Cash App is a financial service provider and can not lawfully confiscate consumer funds without due process or regulatory justification.

I have provided proof of identity and can verify the legitimacy of the funds. Despite this, Cash App refuses to release my balance. I have also mailed a formal demand letter to Block , Inc. requesting that they issue a check for my funds, but I have not received a resolution. 


Company Information : Block, IncXXXX ( Cash App ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CO

Complaint narrative:
I have been effected by the data breach. I was unaware until I recently pulled my credit and saw inaccuracies and accounts that I did not authorize or open. These items are across all three bureaus and has effected me to the point that I have been denied for things that are necessary for my quality of life. Apartments, cars, employment and things of that nature.

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 2025-09-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a paperless letter from XXXX XXXX stating they have decreased my credit limit from {$8600.00} to {$4600.00} and my current balance is {$4500.00}, due to information provided by XXXX. On XX/XX/XXXX I called XXXX XXXX  customer service to reinstate my credit limit and inquire why it was decreased in the first place? They said to contact XXXX  as that decision was based on their reports. On XX/XX/XXXX I made an account with XXXX  and I called their customer service, they stated there are no negative inquiries or any negative situation on my credit report that would lead XXXX XXXX to make such decision and recommended I call XXXX XXXX  again. On XX/XX/XXXX I did just that & the new XXXX XXXX  representative stated my reinstatement request has been denied & I advised them of what XXXX  told me & even requested of a specific reason as to why their decision was made, was it just because? The representative said it was just a decision their credit department made & there was nothing that could be done about it. That is very unfair. Now that decision will affect my credit report because now it will seem as if I am using 100 % of my credit limit versus what it was previously. There is no reasoning with XXXX XXXX  & I still dont know what was the reason they decreased my limit & apparently nothing can be done about it. I have never missed any payment & the balance incurred on my XXXX XXXX is not even a year old, its been incurred since XXXX of XXXX. My credit report shows I am never late on any payments and I always pay off all my debt within the year of incurring. I will not be applying for any other cards issued by XXXX XXXX. I will take my business and money elsewhere.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX well Fargo close my accounts without saying nothing no explanation anything is very annoying dealing with a bank you have been with for 5 plus years they cant explain why they treated me like a a made a crime my phone number 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 2025-09-13 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
- XXXX XXXXXXXX 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/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief