vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XXXX of 2025, Amazon XXXX XXXX decided to close my account due to other synchrony bank charges that were delinquent in the past. 
The issue to me is that I was approved, have not only made on time payments but have always paid above the minimum. They approved me for the card, and then closed the account and negatively affected my credit score when I have been making the payments, and they say its because they think I wont pay, even though I have been.

So my credit score is negatively impacted due to an assumption by the card company, who could have denied me for the card to begin with and never allowed it to even be in my credit 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 2025-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I logged onto my banking app on XX/XX/XXXX, I discovered that my second savings account was gone. After that, I checked my account on my laptop and saw that it had been closed on XX/XX/XXXX. This confused me because I haven't discussed this account with anyone over the phone, over chat, or in person at a branch. I haven't gotten any notifications regarding a closure either. Since the customer support line was closed, I chose to use the banking app to speak with a person via chat. When I spoke with XXXX, she informed me that I had requested that my account be closed. As previously stated, I haven't spoken to anyone from the bank, thus they were unable to provide me with a date or an explanation of how it was closed per my request. The chat agent XXXX remains silent and then the chat is abruptly ended. ( Please refer to the accompanying screenshots ) XXXX XX/XX/XXXX at XXXX XXXX  EST, I then called the bank at ( XXXX ( XXXX ) XXXX ) to speak with a representative over a recorded line. A woman answers the phone, and her name is XXXX i think ( I'm not sure what the representative 's name is, but it begins with a XXXX  ). She asks me to wait while she checks after I reiterate the entire situation. When she returns to the line, she states that I requested that it be closed. I advise that because I haven't spoken to any bank representatives, how could it be closed as per my request and why is that the only information that may be shared? Before closing an account, do they not verify customers? She continues by telling me that I would have to visit a branch and that I was the reason it was closed. After that, I asked for a supervisor and she puts me on hold for about XXXX to XXXX minutes. Another lady gets on the line and she advised that this is the supervisor. As i begin to speak the supervisors hangs up. After the supervisor hangs up, I don't get a call back. After that, I attempt calling the bank once more, but nobody answers. I then choose to log back into my app and chat with an agent. I introduce myself to XXXX, an agent. I explain everything to her, and she says she will investigate. The representative ends up not responding after advising for well over XXXX minutes, so with there being no other response from the agent- the conversation ends again while I'm waiting for her to return and advise. How does a bank close an account at a customer 's request when they haven't communicated with the customer? As money moved in and out of the savings account, there would be no reason to close it. I'm frightened to keep my money in this bank since I believe they'll close my other two accounts without warning at this point. The neglect has left me emotionally damaged. No one at the bank is taking this seriously, which is making matters worse. I'm at a lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ID

Complaint narrative:
My Chime bank acct was hacked and an impersonator that was acting as if they were my bank scammed me into making a transfer to a new acct that I thought was mine. this started on XX/XX/year>.. I kept recieving fraud alert text messages that I thought were coming from my bank regarding unauthorized transactions that were made in different locations that I didnt do so I replied No which it's normal for my bank to send however I then kept receiving phone calls while working from my banks phone number so I thought because it was the same number .. XXXX call the number back and get who XXXX thinking is a real bank agent so they tell me that they closed my savings acct and my acct due to unauthorized transactions. and told me that I need to make a transfer to my new acct they created to protect my funds. So they had my profile picture on the so I thought was my acct number and stated that once I made this transfer I will get an email to access my. funds when the so called bank agent stated that she needed to put me on a brief hold to send the email and then hung up on me at that moment I realized I was scammed .. which my my XXXX drop... so I immediately called the bank and stated what happened to tge disputes team I even shared with them documents proving my point of this hack scam and I keep getting denied. I use biometrics to login my acct and this still happened to me these scammers were able to close my savings acct and somehow get access to my acctbto steal all of my hard earned money ... XXXX getting very upset and feeling very empty and need a recovery and resolution quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
I would like these inquires to be remove from my credit report so my credit report can report accurately i have attach ftc report of all the inquires that not suppose to be on my credit report that i didn't authorize. 

Inquires XXXX ( Bank ) XXXX XXXX ( Finance ) Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Company : Wells Fargo Bank , N.A . 
Type of Issue : Banking / Wire Transfers/ Access to Funds Summary of Complaint : Date of Incident : XX/XX/year> Transaction Attempt : Urgent wire/XXXX  transfer of personal funds ( amount not processed ). 

Amount Attempted : {$300.00} US DOLLARS Details : On XX/XX/year>, I urgently attempted to send money from my Wells Fargo account using XXXX and a domestic wire transfer. Both methods were denied by the bank despite sufficient funds being available. 

When I contacted Wells Fargo customer service, I spoke with a representative who identified himself only as XXXX. He refused to provide his last name, citing safety, and gave me only a reference number : XXXX. 

I requested written confirmation of the banks rules or internal policy regarding this restriction, but the representative stated that Wells Fargo does not send emails to clients and refused to provide any documentation. As a result, I was left without the ability to access my own funds during an emergency situation. 

Actions Taken by the Company : Denied transfer through XXXX. 

Denied transfer through wire. 

Instructed that I must appear in person at a branch to complete the transfer. 

Refused to provide written confirmation or explanation of the policy. 

Why This Is a Problem : I was denied access to my own funds in a legitimate emergency. 

The bank failed to provide any written explanation or cite any legal basis for withholding the transaction. 

Wells Fargos refusal to document their decision prevents me from verifying compliance with federal banking regulations. 

Requested Resolution : A written explanation from Wells Fargo regarding why the XXXX and wire transactions were denied. 

Identification of the specific policy, regulation, or legal authority that justifies restricting my access to my funds. 

Assurance that in the future I will be able to send funds electronically without being wrongfully denied. 

Any appropriate corrective action or penalties if the banks conduct violated banking regulations.

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 2025-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mom died in XXXX, she left a will, my sister was the executor of the estate. My sister was on the safe deposit account with my mom. My sister is now in a memory care facility and I have replaced her as the executor. I am on my mom 's bank account at the same facility as the executor and can process funds in and out of that account. I tried to pay a past due safe deposit box account that I found when I replaced my sister as executor. The bank would not debit the bank account directly to pay the bill. Instead they withdrew funds, created a cashiers check, had me to overnight it to another local location. Approximately XXXX days later the check was returned to me, the bank didnt provide enough information to process the payment. We again met with the bank personnel to pay the past due bill, open the box and close the account. They say they can't do it because I don't have sufficient documentation. I have my mom 's death certificate, I have my mom 's will, I have the probate order, I have a letter from a Dr that committed my sister to a memory care facility, I have the probate order that removed my sister as executor and appointed me as the executor, I have Letters Testamentary showing me as the successor Estate executor. For some reason that isn't enough. It was enough when I replace my sister on my mom 's estate bank account at the same location. All I want to do, is! pay the past due bill, XXXX, open the box and I do have the Key & XXXX close the account.

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 2025-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Issue : Synchrony Bank abruptly closed five of my accountsAmazon, XXXX, Care Credit, Rooms To Go, and PayPal Creditciting activity indicative of high risk of failure to pay. 

I have never missed a payment on any of these accounts, and my credit reports show no derogatory marks. 

Additional Context : Synchrony had recently increased my credit limits on several of these accounts, which reflects their prior confidence in my credit profile. I manage all my credit responsibly and maintain a strong payment history across all accounts. 

Attempts to Resolve : I contacted Synchrony for clarification and requested escalation. I was told Id be transferred to a manager, but the chat timed out without resolution. No specific reason was providedonly vague references to internal criteria and credit bureau data. 

Impact : These closures have negatively affected my credit utilization and disrupted my financial planning. Synchrony stated that I could reapply for new accounts in the future, but this would require a full credit pull, which could further impact my score. This should not be necessary given that I already had multiple accounts in good standing. 

Next Steps : I am now monitoring my credit reports closely to ensure no inaccurate or misleading information has been reported as a result of these closures. If any adverse data appears, I will file disputes with the credit bureaus. I am requesting a clear explanation of Synchronys decision and the specific criteria used to make this determination

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 2025-08-23 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX South Carolina XXXX XX/XX/25 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Paid/closed but still reporting as Collection/Charge-off. 
XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} with status Paid, but derogatory notations remain. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reporting contradictory balance/status information. 
XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Reporting as charge-off with inconsistent activity dates. 
XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance reporting conflicts, showing charge-off despite closure. 
XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate balance and status updates. 
XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Inconsistent past due balance and last reported dates. 
XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Paid in full but still reported as Collection/Charge-off. 
XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Paid/closed, yet derogatory notations remain. 
I do not accept these accounts as accurately reported. Please delete them immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as screenshots of my reports. Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
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
Consumer complaint received 2025-08-23 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: CO

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/scrub>XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate and verifiable information on my credit report. I disputed certain accounts with the credit bureaus and requested proof from the original creditor under 1681i ( a ). They have not provided proper verification.

Reporting information without proof violates 1681e ( b ), which requires maximum possible accuracy. I am asking the CFPB to ensure these accounts are either fully verified with original source documentation or permanently deleted if they can not be verified.

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 2025-08-23 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: PA

Complaint narrative:
I am filing this complaint because Equifax continues to report inaccurate information on my credit file despite multiple disputes. On my Equifax credit report, there is an unauthorized inquiry from XXXX dated XX/XX/year>. I have no relationship with this company, have not applied for credit with them, and have never given permission for them to access my credit report. This inquiry is completely unauthorized and is harming my credit standing by creating the appearance that I am frequently applying for new credit when I am not. 

I have followed the dispute process outlined in the Fair Credit Reporting Act ( FCRA ) multiple times, requesting proof of my signed authorization for this inquiry. However, Equifax has failed to provide any documentation and has not removed this unverifiable entry. Under FCRA 604, a consumer reporting agency may only include inquiries that have a permissible purpose and explicit consumer authorization, and under FCRA 611, the credit bureau is required to conduct a reasonable investigation and delete any entry that can not be verified. Equifaxs continued reporting of this inquiry without proof is a violation of my rights and demonstrates a lack of compliance with federal law. 

This situation has caused unnecessary harm to my financial reputation and creditworthiness. I take my personal information and credit history very seriously, and I have made multiple good-faith attempts to resolve this directly with Equifax. The fact that this inaccurate inquiry remains on my file after repeated disputes shows that XXXX  has failed to uphold its legal responsibilities. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure Equifax conducts a proper investigation, provides documentation proving I authorized this inquiry, or permanently deletes it from my credit report. I also request that a corrected copy of my credit report be issued to me showing this correction. The presence of this unauthorized inquiry is unfair, inaccurate, and damaging, and I am seeking immediate action to resolve this matter once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, Upgraded contacted me about a payment that was past due for the amount of {$4.00} on a loan originally taken out with the company was named XXXX For a purchase made with allegiance air that was paid in full in XXXX of this year. On XX/XX/XXXX, I made the requested payment to avoid any credit or collection issues as it was only {$4.00} despite the fact that I did not actually owe this money and will attach documentation that reflects that the loan was paid in full. 
On the same date, I sent an email explaining my situation and asking somebody to please investigate the situation. Ive not received a response to date. 

Today this account is now showing is a zero balance, but 90 days past due on my credit report despite the fact that it was never past due to begin with, and I have now overpaid them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow up of my complaint XXXX submitted on XX/XX/year>. Although they have removed the credit from XXXX account, they have failed to credit my HELOC account as of today. There is no reason for this delay because of the electronic transfer process.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I Opened an account with SoFi as a back-up institution. I tried to initiate a wire and I had problems with the verification process. I have called and they just said that there was questionable transactions on my account. 

I have called 3 times now. 

The last time, I politely said if they are unable release the restrictions on my account to give me the option to close it. I was essentially told that it is still under review. and I would have to wait.

Company response to consumer: Closed with explanation