vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/year> Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX URGENT REQUEST TRANSFER XXXX XXXX XXXX XXXX XXXX  BY XX/XX/year> Accounts : XXXX, XXXX, XXXX Dear Chase Executive Office, Thank you for your review of the accounts and confirmation that they were solely closed for Adding/ removing multiple users in a short period of time. 
Your closure notice response cite only Adding/ removing multiple users in a short period of time. By definition, that is NOT misuse, fraud, or any of the enumerated reasons in the Ultimate Rewards Program Agreement for immediate point forfeiture. 
Exact UR Program Language Youll immediately lose all your points if your account is closed for misuse, fraud, or any of the following reasons : you fail to comply with other agreements we believe you may be unwilling or unable to pay we believe that youve engaged in fraudulent activity If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points Conclusion Your stated reason Adding/ removing multiple users in a short period of time. Equates to any other reason. 
Therefore, 1,400,155 UR points can be transferred within 30 day window. 
XXXX window began XX/XX/year> expires XX/XX/year> FINAL DEMAND By XX/XX/year> : 1. Transfer 1,400,155 UR points to XXXX XXXX XXXX XXXX XXXX ( 1:1, no fees ). 
XXXX. Email confirmation to XXXX Non-compliance = AAA arbitration + CFPB escalation. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased XXXX XXXX on Coinbase.com - a few times through XXXX and twice using my bank ACH. 

The bank ACH charge placed a hold on the bought crypto but I was free to trade crypto. 

On XX/XX/XXXX - when I logged into my account I was met with a message stating my account is on hold and I can not make any trades because there was a pending charge that didn't go through and the provided a " settle charge '' link - I pressed this linked and settle the charge immediately. 

Two business days passed and charges were now cleared by XXXX- I log into Coinbase and yet my account is still placed on hold and I can not make any transactions, trades, I had additional crypto deposited into my wallet and that crypto is also now stuck, as crypto is dropping by the second currently I'm losing thousands of dollars with this hold unable to sell, trade or move any of my crypto even if it's unrelated to the crypto I purchased.

I reached out to the support again and they tell me that the purchase is cleared but they still will hold the account 3-5 days on hold more and do not provide me a clear reason why.

It is Friday now, so this means I will continue to lose money as it will go on through the weekend and into next week when it's XXXX so there will be additional hold during holidays. 

This is highly illegal, and a bad practice they are doing. All funds were cleared and admitted by their team, they are now committing fraud by ensuring people can not move their assets so they profit on the user 's losses. 

Please help and beware of them doing this to other folks during the holidays!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX for inaccurately reporting my auto loan account as open even though it has been paid in full. I satisfied the loan in its entirety on [ insert date ], yet XXXX XXXX XXXX has failed to update the account status to show it as closed and paid as agreed. This incorrect reporting negatively affects my credit profile, and my attempts to resolve the issue directly with the company have been unsuccessful. I am requesting the CFPBs assistance in requiring XXXX XXXX XXXX to correct the account status to Closed and Paid in Full and to ensure the updated information is reported to all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to formally request that my XXXX XXXX Credit Card account be reopened immediately. I have maintained an excellent credit rating and a longstanding relationship with Synchrony Bank, and I consistently use my XXXX XXXX card for vehicle service. 

Unfortunately, I was not notified that my XXXX XXXX account had been closed. This lack of communication is concerning, as I should have received proper notice before such an action was taken. 

From XX/XX/year>, through XX/XX/year>, I was furloughed due to the government shutdown. During this time, I did not drive my car frequently and therefore did not require maintenance. I had planned to purchase a battery, but XXXX replaced it free of charge after acknowledging that they had previously installed the wrong battery. 
Given these circumstances, I respectfully request : That my XXXX XXXX Credit Card account be reopened immediately. 
That my years of responsible card use be reinstated and reported accurately to the three major credit bureaus. 
Their terms and conditions did not state that the account would be closed if the card was not used within 12 months. 

I request a written explanation of the account closure, including why I was not notified. 
I value my relationship with Synchrony Bank and expect this matter to be resolved promptly. Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am writing to submit a complaint about an unresolved problem involving my PNC Bank account. I deposited three money orders ( XX/XX/XXXX ) that I purchased and wrote to myself. After I made the deposit, PNC placed an extended hold on all three money orders, and the bank has not given me clear information about the reason for this hold or a timeline for release. 

I have visited two different PNC branches a total of four times. No one at either location provided any resolution. I also contacted customer service several times. Each representative directed me back to the branches, yet the branch representatives told me to call a phone line. This continued back-and-forth left me unable to access my own funds, and I have not received any meaningful assistance from the bank. PNC also provided conflicting hold dates, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, without explanation. 

Money order amount : XXXX ( three money orders )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I closed on my house on XX/XX/XXXX in XXXX TX. I signed and provided all documentation to obtain my VA loan and that I was 100 % disabled permanently from the VA ( letter provided ) which the leander said I would NOT have to pay property taxes here in TX. Then in XXXX my mortgage company XXXX XXXX who assumed my loan informed me that I owed back taxes I told them I was 100 % XXXX and that I provided all that information to XXXX when I applied for the loan with XXXX. They said that is not their problem I would have to contact XXXX XXXX since I live outside of XXXX XXXX limits so I did. I provided them with all the same documentation that I submitted to XXXX in XX/XX/XXXX. I did not hear from anyone but my mortgage company sent me a letter stating that my monthly payments would be increased to cover my escrow since it was short. I sent them a message through their website asking how could my escrow be short when all I pay is insurance and they said that they paid out back taxes on my house since I owed I again informed them no I did not and again gave information to them and again they said they received a letter from county stating I did they never provided that information to me as I asked. Again I went back to the county and they said they needed my information and again I sent it through the mail system to them. I contacted my Senator and local government and no help from them either even though again I provided all copies of what I have been submitting from day one. NOW I finally received my document from the county stating that I am excempt but NO ONE will give me my money back that I had paid in and I need that money back as it was taken out to pay the extra money each month that I had to pay for the shortage in my escrow. I even submitted to do one of those hearing that they offer and that was a waste of time as they said they dont handle this type of problem they only do appraisals for the house so that didnt even help even though again I submitted all my documentation.

This is the statment from my account with Freedom Mortgage Company on line system : We had previously verified that taxes were delinquent. Therefore, on XX/XX/XXXX, we disbursed {$430.00} and {$580.00} from the escrow account to XXXX XXXX for parcel number XXXX, and parcel number XXXX. As the delinquent taxes were paid from the escrow account, the account was escrowed for the taxes.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Block, Inc.
State: KY

Complaint narrative:
My grandma is very old and forgetful. She sent my rent money which was {$800.00} to me through cashapp but she did not realize that she sent it to my old cashapp. ive been on the phone with support for days they have been no help and making me go through the same processes over and over. and i thought the guy who last helped me was going to refund my money and delete the account. but they are now saying that they can not refund me even though ive proved to them and they can see it is my account. and the guy DELETED THE ACCOUNT!! and never gave us our money. so i need to get someone who can speak actual english and help me figure this out because this is {$800.00} dollars!!! my rent i might loose my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/year> - Balance : {$0.00}

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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I have contacted AidVantage Student Loan Services approximately five to six times to request removal from the SAVE Plan and to resume regular repayment. Each time I spoke with a customer service representative, I was assured that my repayment would begin the following month, with an estimated monthly payment of about {$350.00}. 

However, I repeatedly received updated statements showing a {$0.00} payment amount instead. My most recent call was about a month ago, during which I was told the issue had been corrected on their end and that it would be escalated to management. Despite that, I have now received updated information again showing a {$0.00} payment, and indicating that my payments will not begin until XX/XX/2026 at {$1700.00} per month. 

I can not afford a payment of that amount, especially considering my existing financial obligations. I am requesting immediate correction of this issue.

Company response to consumer: Closed with explanation