vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XXXX XXXX XXXX, I learned that Chase had closed three of my credit card accounts : Ink Business Unlimited ( ending XXXX ), Chase Sapphire Reserved Bussiness ( ending XXXX ), and Chase Freedom Personal ( ending XXXX ). The closures span both business and personal credit card accounts. Business cards were opened within the past year, Personal was opened years back. and all three were in good standing from opening through closure every payment made on time, with no delinquency on any account.I did not receive any advance notice of these closures, nor have I received any written notice or explanation. When I contacted Chase, I was told only that " they have no access to any information '' to close the accounts, and that a letter would be sent to me. As of the date of this complaint, no letter has arrived and I have been given no reason for the closures.My longer-standing Chase accounts my personal checking account, my mortgage, and my auto loan, all held for several years remain open and in good standing. The decision to close only my recently opened credit card accounts, while leaving my established deposit and lending accounts active, is selective and unexplained, and is not consistent with any concern about delinquency or creditworthiness on my part. I also have approximately XXXX ( at least {$4700.00} worth ) Chase Ultimate Rewards points earned through legitimate spending on the closed accounts. I can not access these points as of today and seems got forfeited them because of closures I did not initiate and for which Chase has given no reason.I contacted Chase directly before filing this complaint and was unable to obtain any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account ending in XXXX Date XX/XX/year> Claim number : XXXX Amount : {$550.00} As you requested, we completed a re-evaluation of disputes within your claim. Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We're happy to tell you that your account was credited a total of {$94.00}. You don't have to do anything on your end you'll see the adjustment ( XXXX ) on your monthly statement. Unfortunately, we determined there wasn't an error on the following transaction ( XXXX ) totaling {$440.00}. The credit for {$440.00} that was applied to your account will be removed.

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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: RI

Complaint narrative:
Counts still wrong and Ive been forced into forbearance for years now. I need relief!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Date was XXXX, amount was for XXXX, and XXXX I have tried to dispute it and they keep denying it. It has been 9 years and they reopened it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business falsely claimed that " the item claimed was still eligible for return, exchange, or store credit '' because I talked to the store owner of XXXX who confirmed that it was not eligible for any of those options. Additionally, The date of purchase was XX/XX/year>, the date the attempted return date was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is NOT within that 30 day from receipt return window. About XXXX weeks ago, American Expressed opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint and they are are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted Financial is attempting to collect a {$510.00} balance for an account that no longer has a balance. My credit report from XX/XX/year>, proves that the original creditor, XXXX XXXX ( Account # XXXX ), has updated the status to 'Paid in full ' with a {$0.00} balance. Halsted is reporting inaccurate data and pursuing a satisfied debt, which violates the FCRA. I am also an identity theft victim ( FTC Report XX/XX/year> ) and this duplicate reporting is causing further harm. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I formally dispute the alleged debt your office claims to be collecting. It has come to my attention that your office may have obtained, accessed, used, or relied upon information connected to a sealed matter or sealed court record. Any use or dissemination of sealed information raises serious concerns regarding unlawful collection practices, privacy violations, and potential violations of California and federal law. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I demand full validation of this alleged debt, including : * The name and address of the original creditor; * A complete itemized accounting of the amount claimed ; * Copies of any agreements or documents bearing my signature; * Proof that your office has legal authority to collect; * Documentation showing how my information was obtained ; * Identification of any court filings, databases, tenant screening reports, or third parties used in connection with this matter. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST all communication and collection activity directed toward me unless and until proper legal validation is provided. This includes, but is not limited to : phone calls, emails, letters, credit reporting, third-party disclosures, and any further attempts to collect on the alleged debt. If your office obtained information from a sealed case, you are further instructed to immediately cease any use, reporting, retention, or dissemination of that information pending investigation. Be advised that I am preserving all rights and remedies available to me under : the FDCP and the FCRA, California consumer privacy laws and applicable court sealing and confidentiality protections. Any continued collection activity or reporting involving improperly obtained sealed information may constitute willful noncompliance and expose your office to liability for damages, attorneys fees, and regulatory complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express charged off XXXX of my credit card accounts ( opened XX/XX/XXXX, closed XX/XX/XXXX ) in XX/XX/XXXX. Since the charge-off, the past-due amount they continue to report to all three credit bureaus has more than doubled, growing from approximately {$5200.00} in XX/XX/XXXX to {$10000.00} as of XX/XX/XXXX. Continuing to add fees and interest to a charged-off account and report the past-due as growing each month is inconsistent with accurate credit reporting under the FCRA ( 15 U.S.C. 1681e ( b ) ). I filed bureau disputes on XX/XX/XXXX at XXXX ( under review ) and XXXX ( confirmation # XXXX ). I am asking the CFPB to require American Express to freeze the past-due amount at the charge-off date and correct the credit reporting to all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: VA

Complaint narrative:
I am filing this complaint regarding inaccurate address information and duplicate collection accounts appearing on my credit reports with Experian , Equifax, and TransUnion. The address " XXXX XXXX XXXX, XXXX, MD XXXX '' is reported inaccurately and does not belong to me. I request that this address be removed from my credit reports as it does not reflect my correct identifying information. Under the Fair Credit Reporting Act, Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy in reporting personal information, and this incorrect address must be corrected to comply with this provision. Additionally, I dispute the collection accounts listed under " XXXX XXXX XXXX, '' each reporting a balance of {$130.00} with " XXXX '' as the original creditor. These accounts are being reported multiple times, suggesting duplicate entries. The repeated reporting of the same collection account with identical balances and creditor information raises concerns about the accuracy and completeness of these accounts. I request a full verification of these accounts, including supporting documentation from the original creditor. According to the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, and these duplicate accounts must be properly verified or removed if they can not be substantiated.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Auto loans attacking my credit after vehicle was XXXX and sold

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a dispute letter on XX/XX/year> for the amount of XXXX to verify the debt. I received no response back. The only thing that happened is it updated on my credit report. I ask that this be removed off my credit report it is inaccurate. Whenever I reach out to this company I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase account was closed over two years ago after a tax refund {$1500.00} approximate deposit from 2019. My wife, who was associated with the tax return, passed away. Chase repeatedly requested authentication from my deceased spouse, making compliance impossible. Due my wife has itin and she cant cross to XXXX Despite multiple attempts to resolve this issue, Chase has neither released the funds to me nor transferred them to Texas unclaimed property. I am requesting an immediate investigation, status of the funds, and instructions to recover the money as surviving spouse/account holder. The account was open im y name and my wife sign innthe back part of that checks authorizing me I can provide death certificate, tax return documents, identification, and supporting records. I already submit to chase but dont want release the funds to me or to unclaimed property and it has been past more than 2 years of my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am reporting Navy Federal Credit Union ( NFCU ) for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). NFCU failed to provide clear disclosures regarding my vehicle refinance ( Account # XXXX ) and subsequently ignored verifiable proof of my efforts to correct their administrative errors. XXXX. Failure to Disclose Mandatory Payoff Procedures : NFCUs " Welcome Email '' ( attached ) provided only vague, suggestive language stating I " may '' have to complete additional steps and provided a link to " learn more. '' It failed to explicitly state that I was responsible for the physical delivery of the payoff check to the previous lender. On XX/XX/year>, NFCU admitted in writing that their instructions are " vague '' and that customers do not receive proper guidance unless they call a representative. XXXX. Documented Financial Loss & My Investigative Efforts : Because I was not informed of my role in the payoff, the payment was delayed until XX/XX/year>. I personally contacted XXXX and XXXX XXXX to resolve the discrepancy that NFCU caused. Per the attached XXXX XXXX XXXX and XXXX Payoff Letter : I was charged {$450.00} in interest and a {$31.00} late fee ( Total : {$480.00} ) due to the delay. I was forced to pay {$180.00} out-of-pocket on XX/XX/year> to zero out the account. XXXX. XXXX XXXX & Ignored Evidence : I performed the administrative legwork that NFCU failed to do. I contacted the XXXX and XXXX to secure a clear chain of custody : XX/XX/year> : Email from titles @ XXXX ( attached ) confirmed the title was sent to the XXXX. XX/XX/year> : Texas XXXX letter ( attached ) confirmed the title was delivered to NFCUs XXXX XXXX address. XX/XX/year> : Despite ignoring my submissions of this proof for XXXX months, NFCU finally admitted in writing : " The Texas title was mailed directly to our institution. ( communication attached ). Despite this admission, NFCU is charging my account for " reprint '' and " administrative '' fees for a document they admitted to possessing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Date was XXXX, amount was for XXXX, and XXXX I have tried to dispute it and they keep denying it. It has been 9 years and they reopened it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/year> XXXX or cash app close my account and I was not able to access my account they said it was due to violation of terms of service but I was not warned about any violations I was not told about any violations my account was just closed and I had money on the account which I was trying to access for over 2 years I have tried to come up with a solution but they always say the same thing and say somebody will write me an email and let me know I can not access my account because I no longer have the phone number nor have the emails that are associated with it and can I shut up does not try to provide me any other solutions other than what they have done over and over and over which is not working when I just need to either change something on the account or gain access through them but cash app refuses to accommodate any calls for acquisition of my account I have been hung up on I have been told the same thing for 2 years and all I want to do is access my account and retrieve my money and cash app has refused to accommodate my acquiesce

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per 15usc 1611 TransUnion is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, Capital One reflected my payment as processed by showing a zero balance and restoring my available credit to {$200.00}. I relied on the information your system provided. If there was a later reversal, I need documentation explaining why, because funds were available at the time the payment was made.

Company response to consumer: Closed with explanation