vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: KS

Complaint narrative:
The following has occurred with a Chase Sapphire Reserve credit card : After opening a new credit card and using the card for a few weeks I received an XXXX XXXX form in the mail. The form indicated options for returning via mail or taking to a branch or faxing. 

I mailed back the form to the listed address. A couple weeks later, my Chase account and credit card was listed as closed within the app. 

I received XXXX letter asking for the XXXX form, which I returned. I received no other letter, no phone call, no text, no app notification, no email from Chase prior to closing my account. I complied with their requested information, had no notice of the status of that requested information and received no other requests for information. 

After noticing this, I went into the Chase branch in XXXX, XXXX in person on XX/XX/XXXX. The representative at the branch attempted to confirm receipt of the form within Chase departments via phone, Chase could not find they received the form. The representative and I filled out a new form at the branch and re-submitted via fax. On XX/XX/XXXX I returned to Chase, the same representative called their internal phone tree back to confirm receipt and anticipated processing of the form. Chase could not find any trace of the branch submitting the form. We then submitted the form via an email inbasket processing as another means. 

I received a phone call from the above representative at the branch on XX/XX/XXXX that the team processing the inbasket email processed the form and routed to the next team. This was then to take XXXX business days. On XX/XX/XXXX after XXXX business days I returned to the Chase branch and for a XXXX time met with a representative. The representative again went through the internal phone trees and Chase again could not find any trace of the form being submitted. The representative was transferred around XXXX  times to various teams each saying it wasnt their problem. 

This has now dragged on for over XXXX weeks, with multiple submissions of the requested documents both via XXXX and in person at the Chase branch. Even Chase employees are unable to determine what steps are needed to resolve the issue. I have spent over XXXX hours at Chase with representatives as they try and find a resolution and to date there is none. 

I was approved for and was using the card for weeks before they every asked for the form to be completed. If this form is so critical why are they allowing people to use the card prior to even validating with the XXXX? Thousands of these forms must be mailed out to individuals daily, how is there XXXX communication from Chase back to customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was laid off from my job on XX/XX/year>. I cashed in all of my retirement to keep afloat. This kept me afloat until XX/XX/year>. I could not afford the payment. I notified the mortgage company of the situation. I put my house on the market to sell due to being worried i wouldn't find a job in time. I moved out of the house at the end of XX/XX/year> to make the selling ptocess easier. I applied for a job in early XX/XX/year>. Was finally offered job with a start date of XX/XX/year>. I borrowed money to make my XXXX mortgage payment. I was told my mortgage company that if I can make the XXXX payment before the end of XX/XX/year>, this would stop the foreclosure process temporarily. I called them today XX/XX/year> to make a {$2600.00} payment. Was told over phone that they are refusing the amount. Was told by mortgage company that they would only accept ywo months of payments. I am trying to keep my house until I sell it. Mortgage is unwilling to accept any payment. I will ne able to make another full payment at the end of XX/XX/year> and work on getting the payments caught up after that or sell the house in the process of this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

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 2025-10-28 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: SC

Complaint narrative:
I contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: TX

Complaint narrative:
These people claim I owe money to an apartment complex. The apartment complex has never contacted me about owing them money. They left me XXXX voicemails that I ignored because I thought it was a scam. In the XXXX voicemails they did not say what the debt was for. They have reported this to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank continues to lower my credit limits or close my accounts without any consideration to how this will affect my overall credit. They do not seem to care that this affects a consumer 's credit drastically. I have multiple cards with Synchrony and have never been late, always try to pay more than the minimum payment due and try not to overspend. 
I had reached out with a letter to reconsider and restore. I emailed and mailed a copy on XX/XX/XXXX and then a follow up on XX/XX/XXXX after what I felt like was an ample amount of time to review, consider and respond. I have not heard anything yet in response. This is disheartening as a consumer and credit card companies/banks have way too much hold on consumer 's well being.

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 2025-10-28 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
have been disputing fraudulent charges on my imagine and aspire credit card since XX/XX/XXXX of XXXX. 

I am military XXXX XXXX overseas - XXXX XXXX XXXX XXXX XX/XX/XXXX This applies to BOTH my XXXX and XXXX Cards!! 

When returning to the base and able to check my email, I noticed there were balances on these cards! 

My home was broken into in the states, and my cards were fraudulently used - along with my cell phone - my computer- my checking account and many other personal items. 

The charges are all throughout the country in other states from XXXX  as well! 

The company is in full violation of XXXX XXXX. 

They are still billing me for fraudulent charges! They never ceased billing me interest They never ceased charging me Interst!! 

I have called XXXX times and email over XXXX all while being on XXXX XXXX! 

They refuse to actually to actually investigate my claim because the card was activated with my phone number in XXXX! 

Yes, my cell phone was left in XXXX  because I can not take it overseas! 

My phone amongst many other things were misused stolen! 

The company is in clear violation as the truth lending act, and they absolute refuse to open a valid fraud dispute, and investigate the charges!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB, I am filing this complaint regarding an urgent and distressing issue with Citi Bank. The bank suddenly closed my account and is withholding my personal funds, stating that it will take up to XXXX business days to return my money. 
On XX/XX/year>, I deposited over {$6000.00} into my Citi Bank account to qualify for a {$420.00} promotional bonus that was promised when I opened the account. After a few normal transactions using my account, my remaining balance was approximately {$5900.00}. 
On XX/XX/year>, when I tried to withdraw money to pay for my mothers urgent XXXX treatment at the hospital, I was unable to access my account. I immediately contacted Citi Bank multiple times, speaking with representatives from various departments. Each time, I was asked to complete numerous transferring steps. Eventually, I was told that my account had been blocked for review and that it would take XXXX days to resolve. After XXXX days, I was told to wait an additional XXXX days. When I called again after XXXX days, Citi Bank informed me that they had decided to close my account, citing an undefined bad relationship, and that I would need to wait XXXX business days to receive my remaining balance. 
Following this, I personally visited several Citi Bank branches to try to resolve the issue, since my mother needs the money really urgent. Despite my repeated efforts, the staff informed me that they could not take any action. Throughout this entire process, Citi Bank provided no written explanation or official notification by email and all updates were obtained only through my repeated phone calls and in-person visits. 
This situation is completely unreasonable and has caused serious hardship for me and my family. The delay has directly affected my mothers ongoing XXXX treatment, as I urgently need access to my funds to pay for her medical and hospital expenses. 
I have fully complied with all verification requests and provided all necessary identification. There has been no wrongdoing or suspicious activity on my part. I am simply asking Citi Bank to release my funds immediately because I urgently need this money for my mothers life-saving medical treatment. 
I respectfully request CFPBs assistance in investigating this matter and urging Citi Bank to expedite the return of my money given the medical emergency I am facing. 
Thank you very much for your attention and understanding.

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 2025-10-28 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: CA

Complaint narrative:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : XXXX XXXX - XX/XX/year> ; XXXX - XX/XX/year> ; XXXX - XX/XX/year>. I never applied for credit with these companies. My personal information was used without my permission. 



These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion credit report as required by FCRA 605B. Must be handled by the Fraud Department. 

I am attaching : A copy of my ID Proof of current address A pending police report confirming the identity theft A copy of my XXXX Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 



Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was scammed out of {$350.00} by a fraudulent seller who pressured me to use XXXX Friends and Family option to avoid fees. After I sent the money, the seller disappeared and never delivered the product. I reported the scam to PayPal, but they denied my claim, stating that I violated their terms by using Friends and Family for a purchase. 
I understand that Friends and Family payments are not covered by buyer protection. However, this was not a legitimate transactionit was fraud. The scammer misrepresented themselves and used XXXX platform to deceive me. I asked PayPal to investigate the fraud, not just refund me, and they refused to take any action, despite scammers commonly taking advantage of others through this Friends and Family option. 
I also contacted my bank twice to request a chargeback, but they denied it, citing the same policy language. Im now left with no recourse, despite being the victim of a scam that XXXX platform enabled. 
Im requesting that PayPal be held accountable for allowing fraudulent activity on their platform and for refusing to investigate or assist victims when their systems are exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
i pd my bill in full as stated on my statrment and get bill for inst on acct ending XXXX XXXX, same on acct XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Originally it was Union Bank that U.S. Bank acquired in XX/XX/XXXX. Between the XXXX bank my husband and I were with them for XXXX  years. The US Branch that I used is excellent. The problem is the customer service at the fraud department at XXXX, a supervisor name XXXX. My bank accounts were on hold since Monday, XX/XX/XXXX. I had called for XXXX  days without an explanation as to why. It was their XXXX Department that put my account on hold and in the notes put Terminating Relationship with client. Reason was fraud. The problem is they can not provide you a phone number to talk to this Internal Department that made this decision. The bank representative could only email them without getting a response back for XXXX  days. The reason I asked to talk to the Supervisor ( XXXX ). XXXX had a XXXX like complex when she spoke with me saying they don't have to give me a reason for terminating a relationship with the client nor an explanation. Then turned me to go talk to the branch that I use. The branch I use was not happy about this because it was not their decision and they didnt have access to what the problem was. I have opened another bank account with another bank. 

Later on, XX/XX/XXXX I received the notice in the mail from U.S. Bank reference ID XXXX Regarding my account ending in XXXX. That they are closing my deposit account in accordance with your Deposit Account Terms and Conditions, which could be anything and not an explanation. The closing would take place on XX/XX/XXXX. But I could close my account prior to that time by reaching out to XXXX XXXX XXXX at XXXX. Client Service Center referred me to my branch, U.S. Bank, XXXX XXXX ( Branch Manager ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. XXXX XXXX called into talk to the department to take the restriction off of my account in order to close it and give me my funds from my bank account. XXXX XXXX experienced the same issue with the department that put the restriction on my account not having a number to call into. That you could only email them. As of today, XXXX XXXX has not heard back from them but will send in another request by email. Can someone help me or XXXX XXXX out on getting my account closed and my funds from my checking account given to me? 

Banks should not be allowed to treat clients like this and make such decisions without informing the client with an explanation. Was this because of political affiliation? Race? If it was fraud doesn't the client deserve to know in order to protect themselves from future problems? There was not any communication reached out in any form. The only I found out was I tried to use my debit card to put gas in my car. 

Respectfully, XXXX 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 2025-10-28 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Experian/TransUnion/Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collections Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX   Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collection account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response.

Thank you for your attention to this urgent matter. 

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 non-monetary relief
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Experian/TransUnion/Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collections Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX   Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collection account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response.

Thank you for your attention to this urgent matter. 

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