vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request assignment of an investigator into credit bureaus validation of debts reported on my report credit file complained to XXXX complained XXXX XXXX etc I'm following this under XXXX XXXX XXXX XXXX c i XXXX g as well as eat also I'm filing this under XXXX XXXX XXXX XXXX XXXX i g CNB reference case I'm out I'm also a mini clear evidence by way of us appellate XXXX XXXX XXXX this case is green versus XXXX XXXX it requires credit bureaus to provide original creditor information the purchase agreement which they have failed to do so so in this respect I am asking once again that they be held accountable for the negligence and improper investigation procedures I'm requesting that arbitration be expedited against Experian

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Follow-Up CFPB Complaint ID : XXXX AMEX National Bank is now Refusing to Accept My Direct Deposit Amid Account Restriction I am providing an urgent update regarding my complaint against American Express National Bank . 

Today ( XX/XX/XXXX ), an AMEX chat representative informed me that my upcoming direct deposit will not be deposited into my account because the account is currently under restriction. My paycheck is scheduled to be deposited on XX/XX/XXXX, and I have no alternative income source set up in time. 

This means AMEX is not only withholding access to existing funds, but is now actively refusing to accept my direct deposit, which I rely on to pay rent and essential bills. I am facing immediate and serious financial harm due to their inaction and lack of clear communication.

This goes beyond a Regulation E violationit is now a case of AMEX preventing me from receiving my lawful wages.

Thank you for your continued assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
Subject : Formal Dispute of Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate late payment records on my account, Account number : XXXX XXXX XXXX. 


This account has been paid in full, and there are no outstanding balances. Despite multiple previous requests to update and correct this information, the inaccurate late payments continue to be reported. 

This is the fourth time I am disputing this matter, and I urge you to take immediate action. According to the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, reporting false information is unlawful. Therefore, I demand that you update my records promptly to reflect the accurate payment history and remove any late payment entries related to this account. If this issue is not resolved in a timely manner, I will be left with no choice but to pursue legal action for continued reporting of false information. 

Please confirm receipt of this dispute and provide written verification of the corrections made. If you require any additional documentation, I am happy to provide it. I expect a resolution within the timeframe specified under consumer protection laws. 

Sincerely, 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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app shut my account down due to too many transactions is what it said and ever since I've tried to make new accounts they wouldn't let me into it every time I verify my identification it would delete my account again and say that I was not eligible account holder I also verify my account the first time when I had it back in XXXX XXXXXXXX and after verifying it they've changed the name on the account I don't know how they can do that with the verified documentation I mean proving is my account and it should be able to be changed but somehow someone else 's name is on my account I was trying to make sure that I got my money back off the troubles I've had to face with cash app in the past when the settlement goes through whatever but I can prove I had a account I can send you documentation of the account itself it was XXXX XXXX it was XXXX or XXXX XXXX XXXX XXXXXXXX please see that you check into this and see that I get my compensation like everyone else thank you they also also they was I was doing a lot of XXXX transactions and at first it was causing maybe like XXXX cents {$0.00} something like that you know to for the transaction fee or whatever for transferring it from your cash app to your Bitcoin on cash app and before it's over with it like it was going off of a {$20.00} bill you know for transaction fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally report and request immediate investigation into a fraudulent and unauthorized credit account opened in my name by or through the involvement of American Express, with the cooperation of a private institution and/or its affiliates. 
Approximately XX/XX/XXXX I was contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX who informed me that all board members or affiliates would receive a company credit card. I was later joined on a call by an unidentified woman, whom I was told was either a representative of American Express or associated with the institution. I was under the impression that I would be issued an authorized user card under the institutions business account. At no time did I give informed consent to be made a primary account holder, nor did I sign or authorize any formal application. 
To my shock, I later received a credit card from American Express listing me as the primary account holder, with the institution listed as the secondary. This was done without my explicit authorization, digital signature, or informed consent. I never activated nor used the card. Despite several attempts to resolve the matter directly with American Express, the account remains improperly attributed to me and poses serious risk to my credit and personal financial reputation. 
This appears to be a direct violation of federal consumer protection laws, including but not limited to : The Truth in Lending Act ( TILA ) The Fair Credit Billing Act ( FCBA ) The Identity Theft and Assumption Deterrence Act Potential mail fraud or electronic fraud violations I am requesting the following actions immediately : 1. A full investigation into how this account was established, who submitted or completed the application, and the verification process used by American Express.

2. Immediate closure and removal of the fraudulent account from all credit reports associated with my name and Social Security number.

3. Written confirmation that I will not be held liable for any charges, fees, or activity related to this account.

4. Referral for prosecution or regulatory penalties for any party who misused my information. 


A police report has been filed documenting this unauthorized activity. Several complaints have also been submitted to agencies including the FTC, CFPB, and the Texas Attorney General. 
I am requesting your agency 's support in investigating this matter, ensuring all parties are held accountable, and preventing further damage to my identity, credit, or legal standing. 
Please contact me immediately with any questions or updates. I am prepared to pursue further legal remedies if necessary. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Nelnet, Inc.
State: MI

Complaint narrative:
These accounts are infringing on my right to privacy granted to me by The Privacy Act of 1974 ( 5 U.S.C. 552a ) is a federal law that establishes a code of fair information practices for federal agencies, governing the collection, maintenance, use, and dissemination of information about individuals. These accounts are in violation of The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of student education records, granting parents and eligible students the right to inspect and review these records, request corrections, and control the disclosure of personally identifiable information. I do not give these accounts permission to furnish information on my consumer report Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By 16 CFR 313.7 I opt out from these account reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2025-05-02 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next XXXX  days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
Experian continues to not remove items that need to be removed from my credit report I will sending another complaint about them shortly. MY hard inquiry from XXXXXXXX XXXX XXXX  was suppose to come off my credit report by XX/XX/year>. It is XXXX and they have not removed it. attached is a copy of the hard Inquiry from XXXX  showing its suppose to be deleted by XX/XX/year>. Please make sure this is deleted immediately.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
On XXXX, I made an account on the XXXX  exchange website ( XXXX  XXXX XXXX ). I linked my personal XXXX acct ( ending in XXXX ) to the exchange and transferred {$5000.00}. I immediately purchased {$5000.00} of XXXX. After 5 days of allowing transactions to clear, I tried to transfer the XXXX to my external cold wallet for added security. This was denied due to a " secruity hold '' and is still not available for transfer. I have emailed XXXX repeatedly about this issue. First, I got a replay on XXXX asking for unusually intrusive financial info ( pay stubs, proof of employment, etc ) that looked like an attempted hack. I contacted XXXX  support directly and they replied on XXXX " Please note that this is a scam, do not act upon it ''. If it was a scam, it came from somebody in their organization possibly since the " scam '' email came from XXXX? My account continues to be on hold so I keep emailing daily and they only reply " Our team is diligently working to complete the review of your account ''. I asked them to call me, and they won't. I can not receive or transfer the {$5000.00} of XXXX I purchased from XXXX  on XXXX. I filed a complaint with the XXXX  but since I am not from New York they referred me to your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
After disputing XXXX and XXXX XXXX  through their fraud departments, they investigated my claim and still refuse to delete these accounts from Equifax, XXXX, Transunion and XXXX, even after submitting a police report which clearly shows charges on these cards were a result of fraud.

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 2025-05-02 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: LEXISNEXIS
State: FL

Complaint narrative:
After disputing XXXX and XXXX XXXX  through their fraud departments, they investigated my claim and still refuse to delete these accounts from XXXX, XXXX, XXXX and LexisNexis, even after submitting a police report which clearly shows charges on these cards were a result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX. The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please see the attached police report. I was a victim of identity theft after having my wallet stolen which resulted in improper and unauthorized use of my credit cards. I have disputed this multiple times and submitted the police report showing proof, yet Kohls and Capital One still refuse to delete this account from my credit report and still hold me liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Formal Complaint - Discrepancy in XX/XX/XXXX Account Statement - Account Number : ending in XXXX Dear Wells Fargo Customer Service, This letter is a formal complaint regarding my XX/XX/XXXX account statement error. The statement balance does not accurately reflect the sum of the individual transactions listed within the statement period. 

For your reference, the following transactions are detailed on my XX/XX/XXXX statement : The sum of the individual transactions clearly demonstrates that the accurate statement balance should be {$5800.00}. However, my XX/XX/XXXX statement indicates a balance of {$11000.00}, which represents a significant discrepancy of {$6000.00}. 


Transaction Date Post Date Reference Number Description Amount XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX  {$5900.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$6000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5700.00} Total XXXX I request an immediate investigation into this matter and a correction to my account balance. I expect the erroneous charge of {$6000.00} to be credited back to my account promptly. 

Please provide written confirmation once this correction has been processed. I can be reached at the contact information provided above if you require any further information. 

Thank you for your prompt attention to this critical issue. I have attached the billing statement in question. 

Sincerely, 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