vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized Business Account Closure and Withheld Funds by XXXX XXXX XXXX XXXX  I am the authorized representative and XXXX of XXXX XXXX XXXX, XXXX, a California XXXX XXXX company. The company held a business account at JXXXX XXXX XXXX   XXXX, account ending in XXXX, used to hold and manage investor funds for a legitimate business investment. 

On or about XX/XX/XXXX, XXXX XXXX closed this business account without any advance notice, authorization, or explanation. At the time of closure, the account held {$3200.00}. These funds have not been returned to the company, and we have no information regarding where the money was transferred or held. 

Since that date, I have made multiple good-faith attempts to obtain an explanation and restore access to the companys funds, including : XX/XX/XXXX Initial inquiry about disappearance of online access XX/XX/XXXX and XXXX, XXXX Follow-up emails requesting written explanation XX/XX/XXXX Formal demand letter sent via email and certified mail to : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Customer Service Email : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Despite these efforts, I have received no explanation or resolution. The only reply was a brief email from XXXX XXXX, XXXX XXXX XXXX XXXX, stating : Acct XXXX was closed on XX/XX/XXXX. 

XXXX XXXX has failed to : Explain the reason for closure Identify the current status or location of the funds Identify who authorized the closure In my formal letter, I demanded : Immediate reinstatement or replacement of the account with the same balance A full written explanation for the closure Confirmation that the funds are accessible XXXX XXXX has not complied with any of these requests. No suspicious, unlawful, or prohibited activity has occurred. The account was operated in accordance with its business purpose as an investment holding vehicle. 

This account closure and the withholding of funds has disrupted company operations and investor relations. XXXX XXXX lack of transparency and refusal to return the LLCs funds XXXX constitute improper banking practices and unauthorized account action. 

I respectfully request that the CFPB investigate and compel XXXX XXXX to : Return the {$3200.00} Provide a full written explanation Confirm the status and location of the account and funds Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: MIDFIRST BANK
State: CA

Complaint narrative:
When I opened the loan I was told Ill get a XXXX interest rate discount from XXXX to XXXX if I put my account on autopay. I put my account on XXXX and XXXX has been charging me at XXXX % instead of the XXXX % rate for almost a year now. 

Separately, when my husband went XXXX  duty, I requested the XXXX protections under XXXX. Over a month now, and they have not honored the request in violation of federal law. 

Separately, when I requested a deferment of XXXX of the payments due to unemployment to the end of the lifecycle of the loan, it was denied and instead I was put on collections. 

These violations of law by agents of XXXX are not benign, rather targeted because I asserted my rights before.

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 2025-09-25 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: LJ Ross Associates
State: OH

Complaint narrative:
Dispute of Fraudulent Collection Account Possible Identity Theft Related to XXXX XXXX XXXX Dear Equifax Dispute Department, I am writing to formally dispute a fraudulent collection account that appears on my credit report under the name L J Ross & Associates, listed as opened on XX/XX/year>, with a balance of {$490.00}. 

I am not responsible for this account, and I believe it is the result of identity theft. I have no knowledge of this debt, nor have I ever had any dealings with this agency or the original creditor. I suspect this may be connected to a recent data breach involving XXXX, which compromised sensitive personal information and XXXX have exposed my identity to malicious actors. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be promptly investigated and removed from my credit report if it is found to be inaccurate or unverifiable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
on XX/XX/2025 I sent email to XXXX XXXX XXXX as was stated on the collection letter they sent me re : ref XXXX XXXXXXXX, the email simply said I am disputing the debt they sent me in the letter, I never received a response, then on XX/XX/XXXX I called XXXX XXXX XXXX to confirm they received my email and verbally told them I am disputing the debt because I dont remember this debt and again I didnt get a response, I then got another letter from XXXX XXXX XXXX on or about XX/XX/2025 stating they haven't heard from me and that I have XXXX  days from date of letter which was XX/XX/2025 or they will sue me. I still haven't received any kind of proof that this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: ID

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness. I have never opened, authorized, or managed them. This is completely unacceptable, as it results in inaccurate and misleading information being reflected in my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern and distress.

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 2025-09-25 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

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 2025-09-25 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CRED XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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 XXXX 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
Back in XX/XX/year> I have filed a police report because I was caught up in a pig XXXX  scam. I have made an XXXX report to the FBI, made contact with a digital XXXX XXXX for XXXX crime that traced where the money was moving to which was also included XXXX  XXXX XXXX to attempt to retrieve the money from the digital wallet but unfortunately, the money went overseas and was mixed in with a massive wallet that can no longer trace my funds. Reprise Financial is XXXX of the loans that was taken out and when I brought up the scam to them by a representative, the best they did was give me a modified loan which is no longer in effect. I spoke with my legal attorney that is handling all the scam debt and told me I was suppose to contact their legal team which the representative did not inform me was an option. I will contact them tomorrow morning but wanted to leave this complaint as recommended by my legal team.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I disputed payment history for my chase account. As I got this account current in XX/XX/year>. Chase still reported incorrectly late/past due to all XXXX bureaus I disputed with all XXXX  credit bureaus and contacted " chase. 
XXXX  refuse to provide me verification and documentation show a willful non compliance with FCRA 1681 n and 1681 They just show heres a copy of my credit report which is not proof. 

I provided them proof with a letter by Chase saying my account XXXX was updated to current on XX/XX/year> They did not update this to credit bureaus as Im still shown late for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
It's soft inquiries on experience with XXXX XXXX and XXXX XXXX. All over it hundreds of inquiries also on my XXXX XXXX inquiries with XXXX XXXX or XXXX XXXX. I want that removed immediately. You do not have the right to look into my info

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Karma, LLC
State: MA

Complaint narrative:
It's XXXX  inquiries on experience with XXXX, XXXX  and XXXX XXXX All over it hundreds of inquiries also on my XXXX  XXXX  inquiries with XXXX XXXX or XXXX  XXXX. I want that removed immediately. You do not have the right to look into my info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXI followed instructions. They gave me to verify my identity over XXXX XXXX  months ago. I sent it to Experian PO Box and I still havent gotten an updated credit score. It is still showing a credit score of 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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX  XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Jefferson Capital Systems is reporting a collection account on my credit report that contains inaccurate, incomplete, and unverifiable information. Under 15 U.S.C. 1681s-2 ( a ) of the FCRA, furnishers of information are required to provide complete and accurate reporting. Despite my disputes with the credit reporting agencies, XXXX XXXX XXXX  has failed to provide proper validation of the alleged debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA.

Additionally, under 15 U.S.C. 1681i, once a consumer disputes information, the credit reporting agencies and the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX has not provided documentation proving they have legal ownership of, or the right to collect on, this account. Continuing to report without sufficient proof is a direct violation of federal law and is causing ongoing harm to my credit profile. 

Requested Resolution : Immediate deletion of the XXXX XXXX XXXX account from XXXX XXXX XXXX XXXX 

Cease all collection activity unless full and proper validation of the debt is provided. 

Ensure XXXX XXXX XXXX  updates its reporting and collection practices to comply with the FCRA and FDCPA. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates is inaccurately reporting XXXX XXXX XXXX XXXX  accounts under my name : Account XXXX XXXXXXXX Balance {$1000.00} Account XXXX XXXXXXXX Balance {$1200.00} XXXX mailed a certified Debt Validation request on [ insert date ] demanding validation for both accounts, including : Original signed contracts with XXXX XXXX XXXX, Complete chain of title proving assignment to XXXX, Itemized accounting of balances, Proof of permissible purpose under FCRA to report to the credit bureaus. 

XXXX has not provided any of this documentation. Reporting and collecting on these accounts without validation is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Continuing to furnish incomplete or unverifiable information is also a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
They need to remove those inquiries from my system profiles.Because I did not allow that to happen

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I open the account with Lexington Law year XXXX I tried to call them and cancel the account but my grand daughter said XXXX the account is not closed and they are still charging your bank account she found this out XX/XX/XXXX and she called them and finally got them on the phone and told them they better cancel my account right now and not to take no more money from my XXXXXXXX XXXX XXXX they took money from XXXX up until XXXX XX/XX/XXXX {$12.00} every month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting XXXX XXXX XXXX XXXX  accounts under my name : Account XXXX XXXXXXXX Balance {$1000.00} Account XXXX XXXXXXXX Balance {$1200.00} XXXX mailed a certified Debt Validation request on [ insert date ] demanding validation for both accounts, including : Original signed contracts with XXXX XXXX XXXX, Complete chain of title proving assignment to XXXX, Itemized accounting of balances, Proof of permissible purpose under FCRA to report to the credit bureaus. 

XXXX has not provided any of this documentation. Reporting and collecting on these accounts without validation is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Continuing to furnish incomplete or unverifiable information is also a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Company response to consumer: Closed with explanation