vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
Subject : Credit Card Billing Error Merchant Failed to Deliver Goods ; AMX Refused to Honor Federal Protections What happened : I am filing a complaint regarding a billing dispute with American Express ( AMX ) involving a {$140.00} charge from XXXX Department Store. I never received the merchandise associated with this charge, yet both the merchant and AMX have refused to correct the billing error. 

Timeline and details : I placed an online order with XXXX. XXXX provided XXXX tracking number XXXX, claiming the package was delivered on XX/XX/year>. I did not receive the package. I did not sign for any delivery. I did not authorize anyone else to receive it. The XXXX tracking entry does not include GPS coordinates, a delivery photo, or any verifiable proof that the package was delivered to my address. 

I opened a dispute with AMX because I never received the merchandise. On XX/XX/year>, AMX informed me that they were closing the dispute solely because XXXX stated the package was delivered. AMX did not request or review any actual proof of delivery beyond the generic tracking entry. During my call with AMXs representative, XXXX, I was toldwithout empathy or meaningful reviewthat AMX was done with the dispute.

Why this violates federal protections : Under the Fair Credit Billing Act ( FCBA ) and FTCenforced consumer protections, credit card holders are not required to pay for goods they did not receive. I never received this order, and the merchant has not provided valid proof of delivery to my residence. Despite this, AMX has held me responsible for the full charge, leaving me with no product and no recourse. 

What I am requesting : That AMX be required to reopen and properly investigate the dispute. That AMX obtain verifiable proof of delivery from XXXX, including GPS coordinates, timestamp, and delivery photo. That AMX issue a credit for the {$140.00} charge, as the merchandise was never delivered to me. 

I am seeking the CFPBs assistance to ensure AMX complies with federal billing error resolution requirements and honors the protections afforded to consumers who do not receive the goods they paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
In XXXX I started transferring funds into Robinhood to buy some ETFs, however upon realizing the transfer would take too long to buy before prices changed, I decided to cancel this plan. However one transfer of XXXX was too far along and coulsnt be cancelled so it went throught. It seemed like this cancelation of funds triggered a review of my account and they decided to close my account as I was oit of the country by then and couldnt be contacted. I accept account closure however my funds can not be withdrawn and {$36000.00} has essentially been held hostage by Robhinhood since then. RH customer service advised it takes time to coordinate a transfer back to my bank of origin but it has been more than a month and I do not accept it takes this long as they benefit from my interest free cash. The account has nothing owed to RH, no crypto or anything to complicate closure. It should just be a simple return of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex Gift card purchased at XXXX in XXXXXXXX XXXX XXXXXX/XX/year>. ( have receipt ) given to me same day. Activated it and saw on the account the purchase and {$150.00}. Was given to us sealed in cardboard envelope and had the sticker over the credit card number. I was new and untouched. 
Went to use and it wouldnt work within a day. Called company who I have found out is called XXXX. American Express has their logo but do not service nor help with card issues. They asked if I had lost the card. I said no its in my hand. They then said they received a call saying lost and a new one was being sent to Hawaii. I explained I had the card in my hand it was not lost and I had the purchase receipt showing the dollar amount. Also the town purchased in is essentially where I live. 
I was told to send a copy of my drivers license, the receipt and pictures of the card to XXXX The call center I talked with were very unhelpful, was told they would email within 45 minutes ( that was days ago ) agents sounded like this happened all the time and couldnt be bothered to.

How can a card that sealed and never out of my pocket until I tried to use it be hacked? Only two parties had access to that information. Myself and
Incomm. Massive XXXX is occurring and its not on my side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % 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
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
In XX/XX/XXXX my ex put a car loan in my name without my knowledge. He asked me to help him with the insurance of the car he was getting because he couldnt do it alone since we were engaged and I was living in NJ and he was a resident in NY. I didnt know much about it because I was an international student being in XXXX for less than XXXX year and was engaged to this man so I trusted ( shortly he moved with me in my studio ). I agreed in helping him with the insurance, everything happened the same day, and once we got at the dealer they did everything so fast ( I had class at XXXX that day and he closed the deal and exit with the car by XXXX picture attached ) as they expected us to come in. I was aware just of the insurance thats all. I dont know how they applied for me with my social, I never spoke with the bank, I didnt give my social, I never owned a car before or after, I never wanted or want a car, but this has ruined and still is ruining my credit. In XXXX while we were still together I have discovered what he did, I started to inquire around and understand better how I can protect myself from this. Going through paperwork I found in our apartment, I have found many letters of him trying to apply for loans but got denied for low credit score XXXXXXXX ( pictures attached ). In XXXX I called the bank multiple times to come and take the car, to put it in his name only, but they told me they were unable because of his low credit score, hence it seemed like they reached their personal deal behind my back, to use my credit as main and he will make the payments. In XXXX they picked up the car without even telling me anything nor leaving a letter or anything for me to have as proof. Until today I have no clue for how much the loan was taken, how much was the car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Product : Business banking Issue : Discrimination / Denial of services On XX/XX/year>, I visited a Chase branch in XXXX XXXX, NV to inquire about opening a business account. A teller repeatedly told me I needed a green card to open an account, despite my being a XXXX citizen. I was not asked for identification, was not allowed to speak with a banker, and was discouraged from applying. 

I believe I was racially profiled and denied equal access to banking services based on perceived immigration status. This caused significant emotional distress and delayed my ability to open a business account. 

Chase contacted me by phone on XX/XX/year>, at approximately XXXX XXXX  acknowledging the complaint made by Chase banker XXXX XXXX at a different chase location on my behalf, but i have not received a written explanation or resolution was provided by email or mail to me. 

I am requesting a formal investigation, written explanation by mail or email, corrective action, and staff retraining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: T.S. Holdings
State: TX

Complaint narrative:
Arrangements were made directly with the original company involved to resolve the information. I am requesting that the collection be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
A collection account is reporting inaccurate and unverifiable information on my credit report. The account reflects a future date opened, inconsistent account classification, and missing required payment history. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. This requirement has not been met.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-22 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: CA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable information being reported on my Experian credit report. Experian is required under the Fair Credit Reporting Act to ensure all information is accurate, complete, and properly verified. 

Charged-Off Account in Dispute Sunrise Credit Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} This account has not been properly validated. Experian has failed to provide documentation from the original creditor confirming the accuracy and legitimacy of this reporting. If verification can not be provided, this account must be deleted. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Experian has not shown proof of permissible purpose. Any inquiry that can not be fully verified must be removed. 

Late Payments in Dispute XXXX Account XXXX XXXX XXXX Account 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Made a deposit on XX/XX/year> at XXXX am the funds was removed from the employer who wrote the check at XXXX pm XX/XX/year>, and transferred to my account, the bank still refuse to release funds though they do have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I made a transfer to Openbank XXXX on started on XX/XX/XXXX to open a HYSA with them. 
XX/XX/XXXX INTERNET TRANSFER TO ACCT * # * * * * - HIGH YIELD SAVINGS - {$800.00} The payment cleared on XX/XX/XXXX as above and there were no issues for a while. XXXX day on XX/XX/XXXX I realized I could not log into my Openbank US App on my phone as the program would open and then close without me able to enter a username or password. I called for technical support on XX/XX/XXXX to try to resolve the issue. There is no Redundancy in the system as to log in through a browser, phone or another device you need the original Openbank XXXX installation to send a push notification for security verification, but because I had lost access to my Openbank XXXX app functionality I was no longer able to access my account. 

I was able to verify my identity by using Driver License XXXX through XXXX  while on the phone with the Openbank XXXX and they let me know the account would be closed and a check would be mailed to me once closed. 

Then I received an email with the following message : " XXXX XXXX, Per your request, we're closing your account ending in " # * * * * '. 

You'll have XXXX hours from the time of this notice with withdraw the remaining money from the account. Otherwise, your account will be left open and to close it, you'll need to submit a new request. 

Please ensure that all necessary transactions for this account are completed within this XXXX time frame. 

Thanks for being an Openbank customer. '' End of message After getting this message I called Openbank back on the next day and the following day after them sending me the same confirmation email. 

I got the support ticket numbers involved for my first call on XX/XX/XXXX, and my followup call on XX/XX/XXXX and now the call on XX/XX/XXXX I had, in which no more information could be provided upon request about the status of my account. 

XX/XX/XXXX : # XXXX XX/XX/XXXX : # XXXX XX/XX/XXXX : # XXXX Each time I have called I got the same email explaining to withdraw my funds or the account would remain open, but as I have no way to login or access my account I have no way to access the funds. Hence why I requested the closure of the account and return of the funds via check or any other secure method. 

Without a way to access my funds and the company having no clear escalation structure from support I can not find the status of my account even after verifying my identity using my drivers license. 

No other institution I have worked with has ever had this issue and lack of redundancy in their security checks to allow me to access my account.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SequiUM is reporting a collection account with inaccurate and incomplete information, including a future date opened and missing required account details. I dispute this account in its entirety and have requested validation. Continued reporting of unverifiable information is improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: WV

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Summit AR a collection agency is requesting an outstanding expense of {$610.00} but does not provide any detailed billing showing what the outstanding cost is related too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and/or unverified information that Equifax is reporting on my credit file. I have reviewed my Equifax credit report and found several charged-off accounts and inquiries that I do not recognize, do not agree with, or that appear to be inaccurately reported. These items are negatively impacting my credit and must be properly investigated and verified. 

Charged-Off Accounts in Dispute ( Equifax ) XXXX Acct # XXXX | Opened XX/XX/XXXX | Balance {$950.00} XXXX XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$1200.00} XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$2800.00} XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$220.00} These accounts are being reported as charged off without proper proof of accuracy, complete payment history, or evidence that I am legally obligated for the debts as reported. 

Unauthorized / Questionable Inquiries ( Equifax ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I experienced two separate incidents of identity theft. When I found out they occurred I filed a police report and a report with identity theft.gov For some reason the credit bureau has failed to make multiple corrections leading to problems related to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
These accounts do not belong on my record and should be removed within XXXX  days per FCRA requirements.

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 2025-12-22 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: WV

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are 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