vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to respectfully request a reconsideration regarding the closure of my accounts. I was recently informed that my accounts are scheduled to be closed on XX/XX/XXXX, and I would like to appeal this decision. 

From what I understand, the closure may be related to the fact that I was listed as a co-signer on my mothers account, which was recently closed due to suspicious activity and the fact that she currently resides in XXXX. While I understand the banks concerns, I would like to emphasize that my personal accounts have always been handled with the highest level of responsibility and integrity. 

I have maintained an excellent relationship with Chase over the years. My credit and banking history with your institution has been strong, with no missed payments, no suspicious activity, and a consistent record of good financial conduct. I take my obligations seriously and have always respected the terms and conditions set by the bank. 

I sincerely request that you consider my individual record as a customer, separate from my mothers situation. I would be truly grateful for the opportunity to maintain my accounts and continue banking with Chase, a financial institution I have trusted and valued. 

Thank you very much for your time and attention. Please let me know if there is any additional information or documentation I can provide to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a Bank of America credit card in good standing. I have A+ credit. I have had this CC for years and just use it occasionally and for promotional Balance Transfer Terms. I routinely pay my CC off every month utilizing the banks auto pay feature available to me through online banking. On occasion when I utilize the balance transfer promotion the bank promotes and provides to me, I, in the past, have altered my auto pay amount from statement amount to fixed amount which allows me to conveniently pay off the terms of the promotional balance over the course of time agreed upon. Well I recently took advantage of a promotion Balance Transfer and went to alter my auto pay amount after the full amount of my balance transfer was scheduled to come out. I called bofa and was told by a representative that they took the ability to schedule a fixed amount citing that customers were routinely under paying their balances ( not sure how that affects me as I pay mine and read my statements ) and because people were overpaying as their system of record does not recognize when a balance is XXXX and forces the draft out of bank account causing a credit balance into be credit account. I pointed out that both of the remaining options benefit bofa and not the customer. They have no problem charging a balance transfer fee to initiate a balance transfer, that is based on paying the debt back over a course of time, yet only make it convenient to pay the minimum amount monthly ( which I am sure they would love for a customer to pay back the minimum amount for the rest of their life as bofa would benefit from fees ) or pay off the full balance in full without going in every single month and altering the statement balance or minimum balance due to something other than. Additionally I pointed out that their online banking mobile app channel still has references to being able to select fixed amount in the information bubble in the auto pay section of the app. This is deceptive, not customer friendly and does not abide to the spirit of a promotional balance credit card. Can someone please look into this as the behavior is not customer focused and is a bit deceptive.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Account Toyota Motor Credit account number XXXX Subject : Cease and Desist Communication Request Under 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally requesting that you cease all communication with me concerning any alleged debt you claim I owe. This request is being made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which gives me the right to request in writing that a debt collector stop contacting me.From this point forward, you are legally prohibited from contacting me, except to notify me of one of the following:1. That you are terminating further efforts to collect the debt, or2. That you may invoke specified remedies, such as filing a lawsuit, and intend to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

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 2025-06-26 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

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 2025-06-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Subject : Urgent Follow-Up Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) Dear Sir/Madam, I am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report, as required under 15 U.S.C. 1681c-2. As of today, it has been more than four business days, and you have failed to take any action on this matter. This is an unacceptable delay and a violation of the law. This account was fraudulently opened in my name, and I have provided all necessary documentation, including a FTC identity theft report. As per the FCRA, you are required to block this information within four business days of receiving my requestyet here we are, with no action taken.

I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next 48 hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance. Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done. I expect prompt resolution of this issue, and I will not tolerate any further delay. 

Accounts Needing Removal : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$570.00} XXXX Account charged off. {$570.00} written off. {$570.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} XXXX Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 


XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$910.00} Status Collection account. {$910.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$900.00} Status Collection account. {$900.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$250.00} XXXX XXXX account. {$250.00}

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I the Fair Credit Reporting Act ( FCRA ) The Trans Union company does not want to remove a credit card account from the XXXX XXXX XXXX bank that was reported on XX/XX/XXXX that it processed it with deceptive practices. The XXXX XXXX am invoking bank did not provide me with the card so that I could sign it on the back authorizing the terms and conditions. I submitted a complaint to the XXXX XXXXXXXX XXXX at the CFPB office with the claim number XXXX and no agreement was reached. So I am waiting for the XXXX XXXXXXXX XXXX to file a lawsuit in court against me and the result will depend on whether this account should be in the Trans Union credit company. I am also demanding that the points that were lost with other claims that I disputed and were never returned to me be returned to my credit score. In other words, they corrected the errors I have filed a complaint against XXXX  about other account disputes in my favor but they did not return the points. I am losing the opportunity to buy a car because my credit appears to be bad. If they do not comply with these claims in the next few days, I will be filing a lawsuit against XXXX for not removing the XXXX XXXX credit card account and not returning the points lost due to other deceptive accounts. For example, before these deceptive accounts were reported my credit was over XXXX so based on the Fair Credit Reporting Act ( FCRA ) I want them to return the points I lost. 
I'm writing again because I filed this complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, under complaint number XXXX. As of XX/XX/XXXX, they have not removed the account. I ask that they do so immediately. 
I also request that the late payments and the XXXX XXXX account reported on my credit history with TransUnion on XX/XX/XXXX, be removed because this account was reported as fraud to the Federal Trade Commission, and this office issued an order stating that I will not pay for the product.

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 2025-06-26 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: FL

Complaint narrative:
IN XXXXXXXX XXXX XXXX  a car loan was taken out in my name and it seem that repossession of the car was done and there was a balance left that is now showing on my credit report as a charge off

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 2025-06-26 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: FL

Complaint narrative:
IN XXXXXXXX XXXX XXXX a car loan was taken out in my name and it seem that repossession of the car was done and there was a balance left that is now showing on my credit report as a charge off

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: WA

Complaint narrative:
I send my payments 2 to 3 weeks early. I have money order receipts. They are holding the checks and not posting them, and adding fees. I spoke with a lawyer about this. He said it is fraud. They blame it on the postal service. I send letters to that area ALL THE TIME, as I have alot of relatives there. This has never happened, and I am XXXX XXXX XXXX. They are holding the checks. I would like XXXX and XXXX reversed. They charged me {$39.00} each time. Twice. I have been making payments for a long time. This is fraud. The representatives were very rude. My credit card says it's handled by XXXXXXXX XXXX XXXX XXXXXXXX. The rep, on the phone, said that's not right. ITS RIGHT ON THE CARD. The card is called XXXX XXXX. My lawyer told me to contact you. Please NOTE ; I have a new phone number. Please contact me at : XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
On XX/XX/year>, XXXX withdrew {$110.00} from my Current bank account without my authorization. Prior to this transaction, I had changed my card number specifically to prevent XXXX from accessing my funds. Despite this proactive step, the charge still went through. 

I filed a dispute with Current bank, and they wrongfully denied it, claiming the transaction was authorized. This is incorrect. The very fact that the charge hit my new card number that was never given to XXXX proves a breach in security or a failure by Current to protect my financial information. 

I have provided Current with clear evidence that I took the proper steps to stop this merchant from accessing my funds, yet they continue to hold me responsible for this unauthorized transaction. 

This is a clear violation of the Electronic Fund Transfer Act ( EFTA ) - Regulation E, which states that consumers are protected against unauthorized electronic transactions when reported timely

Company response to consumer: Closed with explanation