vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I opened my Chase bank account in XXXX while residing in the United States. I returned to XXXX in XXXX and have maintained the account since then. In XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that I needed to take action within 30 days to prevent my account from becoming dormant. However, by the time I received the letter, my online account access had already been restricted. Throughout XX/XX/XXXX, I contacted Chase customer support more than XXXX times by phone. I was instructed to submit documentation via fax in a specific format to restore access to the account. I fully complied and submitted the requested fax on XX/XX/XXXX. After receiving no resolution for more than two months, I submitted the requested documentation again on XX/XX/XXXX and XX/XX/XXXX. In that communication, I clearly requested resolution within 10 business days. As of today, my account remains inaccessible. Chase has not restored access, provided a resolution timeline, or issued any meaningful update despite my repeated compliance with all requested procedures. I am requesting that Chase : 1. Restore full access to my account immediately 2. Confirm the removal of any dormant or restricted status 3. Provide a written explanation regarding the delay and current status of the case I believe I have made reasonable and repeated efforts to resolve this matter directly with the bank, and I am therefore requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
This company alll of a sudden just popped up on my credit report without peroperly contacting me in anyway about a debt I do not know. I honestly never even heard of this company before but I will not allow this to happen to me without a fight. They have no written notice or any other means of contacting me and I have no way of knowing if they even tried to reach me and allow me to resolve this issue directly with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase on XX/XX/XXXX through the XXXX website. Very soon after I reached out to them for cancellation of the pre order since I had another unit I purchased just 6 months prior. They never cancelled the pre order so I disputed it through my bank. After the dispute I called them again about the cancellation to speed up the process. One of the women was named XXXX said they could give me an upgrade option instead of cancellation if I wanted. Instead of cancellation since I mentioned I was financially strained to which I agreed. I called my bank very soon after to cancel the dispute. But the person from the Citi disputes department told me to wait until I get the difference they promised credited back before cancelling the dispute because it would be an issue reopening it later if their were any issues. XX/XX/XXXX I sent in the unit. They told me I'd recieve the upgrade amount back into my bank account in 10 to 15 business days from the day I returned it. I reached out to them again on XX/XX/XXXX because I recieved some sort of voucher for XXXX to buy something on there account which I never wanted or requested. XX/XX/XXXX they told me I needed to cancel my dispute in order to get refunded. I was very skeptical as so much time had gone by as I had also made very phone calls voicing my concerns which is why I requested parts of the conversation through email for documenting purposes. As they requested I cancelled my dispute with my bank on XX/XX/XXXX. I made a phone call telling them so they could move forward as they requested. Then made an additional phone call which I was promised a refund. Then sent an email with no response. Now today 's date is XX/XX/XXXX with still no resolution. As they made me cancel my dispute and then gave me no refund for the upgrade in the amount of XXXX. Which I told them I was financially struggling and couldn't afford the almost XXXX for the unit.

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 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed the reporting of a XXXX XXXX XXXX account with Equifax because the balance, payment history, delinquency information, and account reporting were inaccurate. During Equifaxs reinvestigation process, multiple account details were changed and updated, including the reported balance, payment history, and last payment date. These reporting changes demonstrate that the information previously reported was not accurate or consistently verified before being reported to my credit file. Despite the reporting inconsistencies identified through the reinvestigation process, the account continues to report negatively. I requested verification and supporting documentation regarding the reporting and reinvestigation process because I believe the account has not been reported with maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/year>, I requested my digital cardmember agreement through U.S. Bank 's online portal. The portal displayed a promise that the agreement would appear in my Legal Agreements section within one business day. I recorded this on video. As of XX/XX/year> nine calendar days and seven business days later the cardmember agreement has not been delivered. My Legal Agreements section contains seven unrelated documents but no credit card agreement. I recorded this absence on video as well. On or before XX/XX/year>, I received a letter dated XX/XX/year>, notifying me that my APR would increase to 26.49 % effective XX/XX/year>. The envelope bears no postmark, making the actual mailing date unverifiable. I received this letter five days after filing CFPB Complaint No. XXXX against U.S. Bank XXXX XX/XX/year>, which concerns a separate billing dispute on the same account. The derogatory credit factor cited as justification for the increase appeared on my credit report on or around XX/XX/year> approximately two months before U.S. Bank acted on it yet U.S. Bank took no adverse action at that time. The 45-day advance notice required by Regulation Z for APR increases means notice must have been mailed no later than XX/XX/year>. Standard USPS delivery between XXXX, XXXX XXXX XXXX, XXXX takes three to five business days, meaning receipt on XX/XX/XXXX is consistent with a mailing date of XXXX XXXX after the legal deadline. With no postmark, U.S. Bank can not demonstrate timely notice.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My complaint is a general complaint against a specific business practice of Synchrony bank. They have a pattern of approving new accounts, doing hard inquiries on credit reports, reporting the new accounts to the credit reports and then abruptly closing accounts about a month later with no notice or explanation. I fully understand that they have a right to close accounts as they see fit, and that this is in the account agreement. My issue however, is this pattern of opening the accounts, doing hard inquiries, approving the accounts, and then closing them a month later is damaging to customers, and the credit file. This has happened to me three times in the past year with XXXX. First was with a XXXX Mastercard last year. They approved the account, sent the card, I used it, and they closed it immediately after the first statement cycle. I paid off the account. Last month, when doing a routine login to XXXX, they prompted me with pre-approval for their new XXXX Mastercard ( a different version of the prior card ). I accepted, and was approved. I did not use the card, but they closed the account after the statement cycle. Around the same time, the same scenario happened when I logged in to XXXX. I was presented with a pre-approval pop up on the site, accepted and was approved. In all three cases, cards were sent, hard inquiries were posted to my credit report and the accounts show as opened and closed. These actions are damaging to consumer credit reports, especially the hard inquires, and XXXX does this routinely not only with me but many other consumers, as there are numerous reports of this behavior on forums all over the internet.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting inaccurate and inconsistent information on my account, including incorrect charge-off reporting and unverifiable account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB Card Services is reporting inaccurate and inconsistent information on my account, including incorrect charge-off reporting and unverifiable account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint because Bank of America is structurally impeding my ability to manage an account as an Attorney-in-Fact, unreasonably refusing to honor a valid Massachusetts Durable Power of Attorney ( DPOA ), and actively violating my civil rights under Title III of the Americans with XXXX XXXX ( XXXX ). First, as a 100 % XXXX veteran, I formally submitted proof of my XXXX and requested a reasonable accommodation under the XXXX to conduct all fiduciary verification via secure email or a digital portal. On XX/XX/year>, a XXXX XXXX Escalations representative explicitly denied this request in writing, stating the bank would not use email and directing me to call a phone number. After I formally notified them in writing on multiple dates that telephonic communication exacerbates my service-connected XXXX and is inaccessible to me, the bank proceeded to call my phone at least five times between XX/XX/XXXX and XX/XX/year>. Refusing written communication and forcing a XXXX customer to use an inaccessible phone line is a documented refusal to engage in the XXXX Interactive Process. Second, the bank is actively ignoring actual, written notice of the principal account holder 's clinical incapacity. I submitted three physician certifications and proof of a medical driver 's license suspension. Despite this actual notice, they refuse to recognize my legal authority as Attorney-in-Fact under the submitted DPOA. I formally offered in writing on XX/XX/year>, to execute an Affidavit of Continuance under M.G.L. c. 190B 5-505 to completely absolve the bank of liability, but they continue their " unreasonable refusal '' to honor the fiduciary instrument under M.G.L. c. 190B 5-506. The bank 's internal systems are designed to force unnecessary court intervention ( conservatorship ) rather than complying with the " alternative regime '' provisions of Massachusetts state law, putting the principal 's assets at risk.

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 2026-05-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding repeated fraudulent activity and improper fraud investigation handling by Citi on my credit card account. Over approximately the past 3 months, I have experienced nine fraudulent charges totaling several XXXX dollars. Despite repeated fraud, Citi has continued issuing replacement card numbers tied to the same account rather than fully closing and replacing the compromised account. Citi has already held me responsible for one fraudulent charge after reversing a provisional credit. The written explanation provided by Citi stated only that the merchant provided documentation confirming you authorized this transaction. However, the same documentation Citi provided includes evidence that strongly contradicts that conclusion, including an IP address originating from the XXXX for the transaction and merchandise shipped to California, while I reside in Texas. This transaction was not authorized by me. I am also currently disputing an additional {$1000.00} charge. Citis own investigation materials show a different purchaser name, email address, phone number, shipping address, and geographic location that do not belong to me. Despite this evidence, Citi is requiring me to provide additional proof that the charge is unauthorized. I spent more than 40 minutes on the phone with three different Citi representatives requesting stronger security measures and a full account replacement due to the repeated fraud pattern. Citi refused to fully close and reopen the account and instead stated they would continue issuing replacement cards and disable recurring charges. Given nine fraudulent charges within approximately 3 months, Citis refusal to fully secure the account, and its apparent reliance on merchant assertions despite contradictory evidence, I no longer have confidence in Citis fraud investigation process or account security measures. Requested Resolution : Reopening and reconsideration of the fraudulent charge Citi held me responsible for Determination that the current {$1000.00} charge is unauthorized based on Citis own evidence For all open fraudulent charges to be credited and then closed without reversals Protection from liability for unauthorized charges Full closure of the compromised account and issuance of a truly new account, not replacement cards on the same account Written explanation of Citis fraud investigation standards when merchant claims conflict with contradictory evidence such as foreign IP addresses and out-of-state shipping. How are they protecting my account? I have pages and pages of information that proves these charges are fraudulent, mostly from Citi itself. I'm happy to send it. Thank you, 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 monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM 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 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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express customer since approximately 2025 and maintained multiple accounts, including a XXXX XXXX and XXXX XXXX. Recently, a payment on my XXXX XXXX account became XXXX day late. American Express immediately restricted my account and denied a transaction until payment was made. I promptly resolved the issue and brought the account current. Due to dissatisfaction with the handling of the account and customer experience, I later chose to close my American Express accounts. At the time of cancellation, I had already paid an annual membership fee of approximately {$390.00} for the membership period. The accounts remained open for approximately XXXX after the annual fee was charged. However, I did not meaningfully use the membership benefits, rewards, or premium services associated with the renewed annual-fee period, and once the accounts were closed, I no longer had access to those benefits. I contacted American Express and requested either a prorated refund or a reasonable goodwill adjustment for the unused portion of the annual membership period. American Express refused to provide any refund, adjustment, or accommodation. I understand that annual fees XXXX be governed by the cardmember agreement. However, I believe it is unfair to retain the full annual fee under circumstances where little or no meaningful benefits were used after renewal and where access to the benefits ended upon cancellation. I am requesting that American Express review this matter in good faith and provide a prorated refund or reasonable goodwill adjustment of the annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: MA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or other lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This conduct constitutes a clear violation of federal law, and I have formally disputed the items at issue.

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 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
This is a companion complaint to CFPB Case Numbers XXXX, XXXX, and XXXX regarding corresponding credit reporting and collection violations. I am filing a formal complaint against Columbia Debt Recovery LLC ( DBA Genesis ) for egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, an alleged lease debt stemming from XXXX XXXX was officially vacated and dismissed with prejudice by Judge XXXX XXXX in State Court ( Case No. XXXX ). Legally, this debt was rendered null, void, and completely uncollectible. Despite this standing court order, Columbia Debt Recovery LLC is actively attempting to collect on this legally voided balance. They have recently targeted me with direct collection communication and have newly updated my credit files to report a false balance of $ XXXXunlawfully inflating a non-existent principal with over {$1000.00} in illegal interest charges. Furthermore, they are intentionally reporting this under a completely inaccurate, historical address in XXXX, CO, despite my actual residence being in Missouri. This non-compliance represents willful, ongoing harassment and has caused severe, quantifiable financial harm, including tanking my credit score and directly blocking my business operations due to credit denials based explicitly on this inaccurate, voided reporting. I demand that Columbia Debt Recovery LLC immediately cease all collection activities, cease publishing this voided debt to the credit bureaus, and permanently delete this collection tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express gift card with a value of {$700.00} and an expiration date of XXXX I have called the customer service dept. numerous times going back to XXXX.The last time being XX/XX/year>. During previous calls, I gave them my information such as drivers license. They said they would mail me a replacement card and to wait 30 business days, but nothing ever arrived. Customer service representative now said the funds have been frozen and there is nothing they can do. During numerous calls with the company, they have been unhelpful and not willing to find a solution. The letter in which the gift card arrived also states that the gift card never expires. You helped me resolve an issue with the same company a year ago and Im hoping you can help me once again. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported on my credit report by Klarna. I have not used Klarna since XXXX, and I did not open or authorize any account reported in XX/XX/XXXX for approximately {$210.00}. After noticing this account on my credit report, I contacted Klarna directly to dispute the information. During my conversation with Klarna, I was informed that there was no active account or balance associated with my information. However, despite this, the account and charge are still appearing on my credit report. I believe this may be the result of identity theft, mixed files, or inaccurate reporting. I am requesting that this account be fully investigated and removed from my credit report immediately, as it does not belong to me and was not authorized by me. I also request that all credit reporting agencies be notified to correct and delete this inaccurate information from my file.

Company response to consumer: Closed with explanation