vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting this complaint regarding the sudden closure of a newly opened PayPal Credit account without clear explanation or opportunity to remedy any concerns. I was approved for a PayPal Credit account o n XX/XX/year>, and a card was issued. Within less than 30 dayson XX/XX/XXXX, XXXXthe account was closed. This closure occurred essentially immediately after activation, and I was not given a meaningful opportunity to make or miss a payment or demonstrate responsible account usage. At the time of closure, I had pending charges associated with the account, which directly impacted my ability to complete pre-planned programs and services tied to an upcoming event. The timing of this closure created immediate financial disruption. When I contacted PayPal Credit to understand the reason for the closure, I was informed that an appeal had already been initiated on XX/XX/year>. However, I have not received any correspondence, documentation, or follow-up related to this alleged appeal. Due to the lack of communication, I submitted a separate appeal on XX/XX/year> to formally request review and clarification. During multiple interactions with representatives, I was repeatedly told that the account would not be reopened. I clarified that I understood their position regarding reopening the account, but I was specifically seeking a clear explanation for the closure decision. Instead, I was instructed to wait 45 days for additional information, without any immediate clarity provided. This is particularly concerning given my established history with PayPal Pay Later products, where I have demonstrated over two years of consistent, on-time payment behavior. There were no prior indications of risk or issues that would warrant the immediate closure of a newly opened account. I am requesting : A clear and specific explanation for the account closure decision Clarification regarding the status and existence of the alleged XX/XX/XXXX appeal, including why no correspondence has been issued Confirmation of whether this action was triggered by internal risk criteria, credit reporting changes, or error Expedited review of this matter, given the immediate financial impact and time-sensitive nature of my commitments I am seeking resolution as soon as possible so I can determine next steps and mitigate the impact on my ability to participate in scheduled programs and services.

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, at approximately XXXX, I received a phone call from a person who identified himself as a police officer. He stated his name and claimed to be with the XXXX XXXX Police Deparment/court. The caller ID showed the number the scammers number he was calling from, no caller ID. The caller told me I was the subject of a criminal investigation and that a warrant had been issued for my arrest. He said that if I did not cooperate immediately and make a payment of {$2500.00}, I would be arrested that day and would lose my job. He kept me on the phone continuously for over two hours and instructed me not to hang up or contact anyone else. Under extreme duress and believing I was speaking with an actual law enforcement officer, I sent {$2500.00} via XXXX from my Chase Bank account to two different phone numbers during the call. After the call ended, I realized the demand was inconsistent with legitimate law enforcement procedure and confirmed I had been the victim of a government impersonation scam. I am reporting this incident so that it may be investigated and so that I have an official record to support my claim with Chase Bank and federal reporting agencies ( FTC and FBI IC3 ). Chase declined my claim verbally at XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, around XXXX XXXX, I was contacted by someone impersonating themselves to be from CashApp. They informed me that I would need to send {$440.00} to them in order for me to receive {$300.00} for a XXXX XXXX that I was selling. I did not receive any amount of money nor have I to this day received any amount of money. I soon realized that I was being scammed. I called CashApps customer service to put in a complaint about this scam that had just occurred that day. They advised me that there was really nothing that they could do about the {$440.00} that had been taken from my CashApp account. They told me the transaction was irreversible and untraceable. CashApp did nothing to help me. They told me to go to my Local police station to file a complaint. I did go to my local police station and filed a complaint today, XX/XX/year>. Please help me get my money back!!!! Thanks so so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Re : CFPB Complaint Follow-Up Case XXXX I am submitting this follow-up response regarding the companys statement in this complaint. The company asserts that I was properly served because a process server said the person who received the proof of service was me, which was a lie. They gave a physical description of the person who received the proof of service, and that description did not match me, Ive sent proof of my physical description of myself multiple times. I have also sent proof, multiple times of my physical address, where I physically lived during the time of being served. Because the process server was being untruthful 3 years ago just to get paid, my family and I are now facing an eviction. While I understand the court has since set aside the default judgment, I continue to dispute the validity and reliability of the alleged service. Furthermore, despite the courts order to stop garnishment, a wage deduction was still taken from my most recent paycheck. I was informed at my hearing on XX/XX/XXXX, that a release of garnishment would be filed, but this has not yet been reflected, resulting in continued financial harm. I am currently experiencing serious financial hardship, including risk of housing instability, due to continued deductions after the courts order. In total the debt collector has deducted {$640.00} dollars from me, the last deduction was after the courts order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
Tell me the security issue concerning my XXXX XXXX account I was asked to send in a front and back copy of my ID my California state ID which I did they told me that it's expired and I had to send in more information but my card is not expired it doesn't expire until XXXX I mean I'm sorry XXXX I sent it in four times they keep trying to tell me it expired they're holding over {$1200.00} a money and they won't unlock my account it's the only driver 's license went to California ID I have like I said it does not expire until XXXX they keep trying to tell me it's expired

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing in response to a Synchrony Bank correspondence dated XX/XX/year>. Upon review, their response is not only insufficient, but it is also materially inaccurate and fails to address the actual account in dispute. Synchrony Bank letter references a XXXX CONSUMER account ending in XXXX. This account is completely unrelated to my formal dispute. My complaint, including the one submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, clearly pertains to a Synchrony XXXX Credit Card account ending in XXXX. At no point did I dispute any XXXX account. Therefore, your response does not constitute a valid investigation or resolution under federal law and fails to meet your obligations.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying to close my account since XXXX. When I called they told me I had to go into the branch. I went into the branch and they told me i had to call. I call and they tell me i have to go. Then branch says i have to call. I have said for the past year i don't want overdraft and yet transactions keep coming out. Then they tell me they can't close my account because its negative or because the payment i posted to make my account a XXXX balance is pending. I keep being told 3 days then 3-5 days, someone will call me at the end of the day. I keep getting the run around and I simply just want my account closed and to be done with Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: IL

Complaint narrative:
I hold a credit card issued by Elan XXXX XXXX ending in XXXX. Due to financial hardship caused by the ongoing partial government shutdown ( affecting my employment/income since XX/XX/year> ), I contacted Elan multiple times in XXXX ( and possibly XXXX ) 2026 seeking information about available hardship or deferment programs. I received conflicting and inaccurate information on every call : During my first call in XXXX or XX/XX/year>, I was told that Elan does not offer any hardship programs. After asking for a manager to ensure I was being given correct information, I was told that hardship/deferment programs do exist but that I must first miss a payment and to call back after XX/XX/XXXX. After calling on XX/XX/XXXX after missing a payment, I was hung up on multiple times, transferred the XXXX, and was finally told by someone in Collections that the payment isn't shown as missed in their system yet and to call back later. On XX/XX/XXXX, a representative from Collections stated that no deferments exist and haven't for at least a year. After pushing, I was then told by a manager that they did exist but that the program ended on XX/XX/XXXX. Per the above, I raised this issue with a manager prior to XX/XX/XXXX and was explicitly told to wait until that date and miss a payment. Multiple Elan employees provided misinformation about the program not existing and inadequate training on the program, preventing me from obtaining the deferment while it was still available. I am requesting that Elan retroactively apply a deferment ( or equivalent hardship relief ) to my account for the payments affected by this period and waive any late fees or interest accrued as a direct result of the misinformation, if applicable, alongside a deferment. I would further ask that Elan look into the multiple deficiencies amongst their staff providing misinformation so that this training and servicing failure is addressed. I have retained notes of all call dates, times, and representative names where available. Please investigate Elans handling of hardship requests during the government shutdown and ensure consistent, accurate information is provided to consumers in financial distress.

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 2026-04-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal is reporting an account and a balance that do not belong to me. I have disputed this for over a year, yet they continue to violate the applicable rules and regulations, as well as the established timeframes. Despite my efforts to resolve this urgent issue, the fraudulent account still appears, and they have failed to take action.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing regarding a deferred interest charge that was recently applied to my XXXX XXXX credit account. I opened this account in XX/XX/year> and have made every payment on time since then. I recently missed the promotional payoff deadline and, as a result, was charged approximately {$2000.00} in deferred interest. I understand this is part of the promotional terms ; however, I am requesting a one-time goodwill adjustment. This was an honest oversight, not a failure to pay. I have maintained a strong payment history and intended to pay the balance in full within the promotional period. I am prepared to pay the full remaining balance immediately, excluding the deferred interest, if a courtesy adjustment can be made. I value maintaining a positive relationship and resolving this matter promptly. Given my history and willingness to pay in full right away, I respectfully ask that you review my account for a one-time waiver or reduction of the deferred interest charge. Thank you for your time and consideration. I appreciate any assistance you can provide. Sincerely, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Amount involved : {$6000.00} Date account was closed : XX/XX/2026 I deposited a check into my business account, XXXX XXXX XXXX, issued by an XXXX in connection with a legitimate real estate investment. Shortly thereafter, Chase closed my account and froze the funds. Chase has informed me that they are unable to verify the funds because the issuing XXXX does not have a publicly available phone number. However, the XXXX is legitimate and can provide documentation verifying the payment, and I am willing to facilitate that process. Despite this, Chase has not provided any meaningful path to resolve the issue. I have repeatedly contacted them and was told that the funds may be held indefinitely, potentially until they are turned over to the government as unclaimed property. I am actively claiming these funds, and therefore they can not be considered abandoned. Chase has not provided a clear explanation of : Whether the funds will be released to me Whether they will be returned to the issuing party A timeline for resolution I am requesting that Chase : Provide a written explanation for the account closure and fund hold Confirm the current status and location of my funds Provide a clear process for verifying the issuing XXXX, including what documentation is required Either release the funds to me or return them to the issuing party within a defined timeframe Holding funds indefinitely based solely on the absence of a publicly listed phone number, without offering a reasonable verification process, is unacceptable and inconsistent with applicable banking obligations. I am prepared to provide documentation from the issuing XXXX to verify the legitimacy of the funds immediately upon request. XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I am filing a complaint regarding Credence Resource Management for reporting an inaccurate and unverified debt related to a XXXX account. I requested validation of this debt, which was delivered via certified mail on XX/XX/year>. In response, I was provided only a revised final bill from XXXX XXXX This document does not include an itemized breakdown of charges, does not explain how the balance was calculated, and does not provide any supporting documentation showing that I am legally obligated to pay this debt. Additionally, the bill itself indicates that it was revised to include additional charges, yet no explanation or supporting details were provided regarding these changes. Because of this, the balance being reported is unclear and can not be verified. I disputed this account with the credit bureaus and provided documentation, yet it continues to be reported as verified. Due to the lack of proper validation and the unclear and inconsistent balance, I am requesting that Credence Resource Management either provide full and proper validation, including an itemized breakdown and proof of obligation, or immediately delete this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I purchased services through PayPal to a registration company that never followed through and has lost contact with me and PayPal has continuously avoided resolving the dispute of a refund despite my filing complaints against the company proof of attempted contact with the company and no response. I initially had a resolution date of XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX now XX/XX/XXXX, this is classic PayPal avoidance behavior that go against there own buyer protection rules and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Dispute numbers XXXXXXXX XXXX XXXX I was charged on XXXX XXXX for an amount of {$790.00}. I was also charged on XXXX XXXX for an amount of {$790.00}, all by the same merchant for annual subscriptions. I filed disputes for both XXXX and XXXX, provided evidence of the comunincation exchange between the merchant and me where he confirmed I was not supposed to be charged. I am being told by XXXX that the merchant responded the transactions are valid meanwhile the merchant is not responding to my emails and has blocked me on discord, which was main the channel for communication. I actually did not notice the XXXX dispute I filled was concluded as valid transaction until the XXXX charge came through. I am being advised by discover to keep reaching out to the merchant. I already forward all evidence to discover. On the XXXX XXXX the merchant reached out on discord for failed card payment because I had cancelled.He later sent a message within XXXX hours as, '' Assuming you're not continuing " and I was removed from the discord group. Being out of the group I did not receive any services.

Company response to consumer: Closed with explanation