vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am the victim of identity theft. I have over {$80000.00} in credit card debt and banking debt that was done in my name through sophisticated means over the course of 1.5 to 2 years with multiple banks. I have made multiple attempts at disputing the accounts and the charges with the banks in question and each time they " investigate '' they come back with a determination that the accounts are valid but refuse to provide evidence to back this up. In this particular case, I am referring to Chase Bank. I had one credit card with them that was dormant for years ( I did not even have a current card in my possession. The account was not used ). They indicate that I have multiple credit cards and a bank account and that the cards have balances. I have not had a bank ( checking or saving ) account with them. The dormant card was apparently hacked and used as well as two additional cards opened in my name. All of this seems to have occurred after a massive hospital data breach and a hacking into my cell phone. I have filed disputes and identity theft with them multiple times. Each time they say that their internal investigation has determined the debt to be valid. I have requested, in writing, the evidence used to base their determination on. They refuse or ignore my requests and have since submitted my account to collections and charged them off. I am being held accountable for a debt that I have disputed multiple times in writing while requesting evidence, only to be told that they have verified the account is mine but can provide absolutely no evidence to back this up. I have filed and provided police reports and IDTHEFT.GOV reports on the identity theft as well. I had likewise indicated to them, and as was noted in the police report filed in XXXX XXXX and on IDTHEFT, gov, my phone had already been cloned/hacked and used on multiple accounts. Said phone was often, during the time of this account being opened and used, resetting itself, refreshing, and acting in a manner beyond my control. I had to change not just phone numbers but complete phone due to the theft that had occurred in my name. All of this was revealed to this credit card company. The card was not opened by me, nor was I aware of it. The theft was very sophisticated as they even, on some opened cards, mimicked similar purchases to what they had gleaned from other cards I actually owned. These accounts were not opened by me and are not mine. These cases do happen, they may not be the most common form of fraud but these sophisticated id theft tactics do occur, have been documented and should be well-known to credit card company fraud departments. I demand that this credit information be permanently removed from my credit report and from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I am filing a complaint regarding the XXXX XXXX XXXX credit card issued by Chase Bank and the material reduction of benefits associated with this card despite the continued charging of a very high annual membership fee. I pay approximately {$650.00} {$690.00} annually for this credit card primarily because it advertised airport lounge access benefits, including XXXX XXXX and partner lounge access through the XXXX XXXX XXXX. Recently, I was denied access to airport lounges that were previously available to cardholders like me. The bank materially changed the lounge access requirements and restrictions without my clear knowledge, understanding, or affirmative acceptance. I renewed and continued paying the annual fee under the reasonable expectation that the lounge benefits would remain substantially the same as when I originally obtained and renewed the card. The issuer significantly reduced the value of the membership by changing access rules and imposing new restrictions after charging the annual fee. These changes were not adequately disclosed in a way that reasonably informed consumers that previously available airport lounge access would be removed or restricted. I believe this practice is unfair and deceptive because consumers are being charged premium annual fees for benefits they can no longer reliably use. I am requesting : An immediate full refund of my annual membership fee ; Review of whether proper and sufficient notice was provided to cardholders before materially reducing benefits ; Investigation into whether consumers are being misled regarding airport lounge access benefits associated with this card. I also request written confirmation of the resolution of this complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
The website XXXX XXXX XXXX is fake website and steal information for your giftcard. I was lost money when trying activate my giftcard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
XX/XX/2025 this account of {$3600.00} appeared on my credit report unknown to what or whom this company is disputed several times and nothing. This harming me causing unnecessary stress damaging my XXXX XXXX at home and work. Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from mycredit report.

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 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
citi financial debt collector hand over a subpoena to my coworker at my workplace and i was not present. my personal business now been seen by my coworker and basically told my co worker that i got 10 days to respond in which my coworkers dont need to know my personal life or credit card debt. i want to sue them for my privacy has shared to anyone at work place. they attempt to garnished me and it shows in the front page of the sunpoena that been hand over. i dont have the subpoena letter on hand because it got hand over to my coworker and i just received an phone call from the office.

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 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Abrupt account closure with delayed notice, prior credit bureau reporting, and loss of account access I am submitting this complaint regarding the abrupt closure of my Home Depot credit account and the manner in which the closure was communicated and reported. Based on information reflected through my credit monitoring, the account appears to have been reported as closed to at least one credit bureau prior to my receiving meaningful notice of the closure itself. Credit reporting activity indicates the closure may have been reflected as early as XX/XX/year>, while the email notification I received regarding the closure was dated XX/XX/year>. By the time I became aware of the closure communication, I was unable to meaningfully access or review the account online to fully understand the action taken, the reasons for closure, or related account information. This sequence created confusion and prevented me from understanding or responding to the adverse action in a timely manner. Additionally, the account appears to have been approved and maintained despite substantially similar credit circumstances, only to later be closed abruptly before I had any meaningful opportunity to use or manage the account. This made the action feel sudden and unsupported by any significant account usage history or changes in account behavior. I understand creditors may make internal account management decisions ; however, consumers should still receive reasonable, accessible, and timely communication regarding significant adverse actions affecting their accounts. Consumers should not be expected to rely exclusively on email or online access for important account actions, particularly where account access may become restricted immediately following closure.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Schreiber Law LLC
State: MA

Complaint narrative:
I am a victim of identity theft and have been falsely accused of owing {$5900.00} by SCHREIBER LAW , LLC, representing XXXX XXXX XXXX XXXX XXXX. The lawsuit claims the debt originates from XXXX, XXXX, but I deny being the debtor or authorizing any transaction related to this debt. I have never opened, used, or authorized any account with XXXX and have no business relationship with them. I first learned of this fraudulent debt when I received a legal notice from SCHREIBER LAW , LLC. Upon reviewing the claim, I immediately recognized that this account is not mine. The debt was incurred using my personal information without my consent. Upon discovering this fraud, I began taking immediate steps to protect myself, ensuring that the identity theft is thoroughly investigated. I am actively clearing my name from any connection to this fraudulent debt. The plaintiff is required by law to provide proper verification and documentation of the debt they claim I owe. However, to date, no satisfactory documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and Massachusetts Consumer Protection Act ( M.G.L. c. 93A ), I am entitled to this verification. The plaintiffs failure to provide the required documentation violates my rights. The FCRA and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, mandate that the plaintiff provide proper verification. Their failure to do so violates both federal law and Massachusetts law. SCHREIBER LAW , LLC and XXXX XXXX XXXX XXXX XXXX are continuing to pursue me for a debt that I do not owe, which is in direct violation of these laws. This pursuit of fraudulent debt has caused significant emotional distress and financial hardship. I have been falsely accused of owing money for an account I did not open or use. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue, and I formally request that this case be dismissed. I seek to clear my name and protect my rights from further harm caused by this false accusation.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, and surrounding dates in late XXXX and early XX/XX/year>, I made multiple deposits totaling approximately {$560.00} to an online casino ( XXXX ) using my PayPal account. These transactions were billed as " XXXX XXXX XXXX ''. After attempting to withdraw my winnings, the casino blocked my account without any explanation and has completely ignored all follow-up messages regarding the pending withdrawals. I opened a dispute with PayPal for a full refund of these gambling-related transactions. PayPal only issued a partial refund of {$60.00} ( visible in my activity as " PayPal Cash Load '' on XX/XX/year> ) and closed the case. I believe PayPal should not facilitate or stand behind this merchant, which accepted deposits but then prevented withdrawals and stopped all communication. This appears to be a fraudulent operation. I have attached screenshots of the full transaction history showing all XXXX XXXXXXXX XXXX payments, the {$60.00} partial refund, and other supporting evidence. De sired resolution : Full refund of the remaining balance ( approximately {$500.00} ), and that PayPal investigate and take appropriate action against this merchant to protect other consumers. Key transaction dates : Primarily XX/XX/year>, with some on XX/XX/XXXX, XX/XX/XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am the victim of identity theft. I have over {$80000.00} in credit card debt and banking debt that was done in my name through sophisticated means over the course of 1.5 to 2 years with multiple banks. I have made multiple attempts at disputing the accounts and the charges with the banks in question and each time they " investigate '' they come back with a determination that the accounts are valid but refuse to provide evidence to back this up. In this particular case, I am referring to Navy Federal Credit Union. I had one credit card with them that was little used at the time. There was no balance to my knowledge at the time the ID theft occurred. The credit card was apparently hacked and used. All of this seems to have occurred after a massive hospital data breach and a hacking into my cell phone. I have filed disputes and identity theft with them multiple times. Each time they say that their internal investigation has determined the debt to be valid. I have requested, in writing, the evidence used to base their determination on. They refuse or ignore my requests and have since submitted my account to collections and charged it off. I am being held accountable for a debt that I have disputed multiple times in writing while requesting evidence, only to be told that they have verified the account is mine but can provide absolutely no evidence to back this up. I have filed and provided police reports and IDTHEFT.GOV reports on the identity theft as well. I had likewise indicated to them, and as was noted in the police report filed in XXXX XXXX and on IDTHEFT, gov, my phone had already been cloned/hacked and used on multiple accounts. Said phone was often, during the time of this account being opened and used, resetting itself, refreshing, and acting in a manner beyond my control. I had to change not just phone numbers but complete phone due to the theft that had occurred in my name. All of this was revealed to this credit card company. The card was not opened by me, nor was I aware of it. The theft was very sophisticated as they even, on some opened cards, mimicked similar purchases to what they had gleaned from other cards I actually owned. These accounts were not opened by me and are not mine. These cases do happen, they may not be the most common form of fraud but these sophisticated id theft tactics do occur, have been documented and should be well-known to credit card company fraud departments. I demand that this credit information be permanently removed from my credit report and from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am filing a brand-new complaint because Bread Financial / Comenity Bank wrongfully closed my previous case, Complaint ID : XXXX, by sending an inaccurate boilerplate denial letter. They claim I am a co-debtor in XXXX XXXX Case No. XXXX filed on XX/XX/year>. This is a severe automated data-matching error. I am legally divorced from the filer, XXXX XXXX XXXX, for over five years, and my accounts are held under my name, XXXX.I have attached the official federal XXXX Case Filing Notice and Bankruptcy Court Form XXXX for this exact case. These official federal court records explicitly prove that XXXX XXXX XXXX is the sole individual filer and " Debtor 2 ( Spouse ) '' is completely blank. My identity is entirely absent from all financial liability schedules.My name was typed into his petition solely because of a mandatory, historical Washington State community property disclosure checkbox ( Official Form 101, Part 3, Question 6 ), which requires disclosing the name of a past spouse if living in a community property state within the last 8 years. Bread Financial 's automated scanning software negligently swept the court registry, flagged my name from this historical background disclosure, and treated it as an active co-debtor match. The system completely failed to verify that the court record lists me strictly as an ex-spouse disclosure with XXXX financial liability on his current bankruptcy case. This negligence wiped out my XXXX credit lines and caused an immediate, unlawful XXXX drop in my credit score.I sent a sworn, notarized dispute letter via Certified Mail to your corporate office. I demand an immediate manual executive review by Bread Financial 's corporate legal team to override this system error and fully reinstate both my XXXX XXXX and XXXX XXXX XXXX accounts to their original active status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: CA

Complaint narrative:
Complaint to Consumer Financial Protection Bureau ( CFPB ) Subject : Servicer Refusal to Provide Written Response or Substantiate Claim Central Research , Inc . I am submitting a follow-up complaint regarding Central Research , Inc. ( CRI ) and the servicing of my federal student loan. Summary of Issue CRI previously acknowledged that my repayment plan was incorrectly configured and subsequently increased my monthly payment. They have also stated that this error did not result in any additional interest or financial impact. Current Problem I have made multiple written requests for a specific calculation to verify this claim, including : - A comparison of total repayment under the corrected schedule versus what I would have paid if the correct schedule had been applied from the beginning - The methodology used to calculate that comparison CRI has not provided this information. Instead, they have repeatedly responded with a generic message stating that they are unable to discuss account specifics via email and directing me to call or use chat. Why This Is a Problem- I am making a clear, specific, and reasonable request directly related to a previously acknowledged servicing error - CRI has made a quantitative claim about lack of financial impact but refuses to provide the calculation supporting that claim- CRI is refusing to provide a substantive written response, preventing me from maintaining accurate records or verifying their statements Requested Resolution I am requesting that CRI be required to : 1. Provide a written response addressing my request 2. Provide the specific calculation necessary to verify their claim that I was not financially impacted 3. Substantiate their conclusion with sufficient detail to allow independent verification -- - At this point, the issue is not a lack of communication from my side, but a refusal by the servicer to provide a written, substantive response to a clearly defined request.

Company response to consumer: Closed with explanation