vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
b'Subject: Denied Fraud Claim  Inconsistent Bank Decision Despite Initial Fraud Flag\n\n\n\nDetails of the issue:\n\nOn [insert date], an unauthorized charge appeared on my debit card for XXXX from XXXX XXXX XXXX. I did not authorize this transaction, did not benefit from it in any way, and was not involved in it.\n\nImmediately after the charge, I was contacted by my banks fraud department, which confirms they themselves flagged the transaction as suspicious. Despite this, the bank later completed their investigation and denied my fraud claim, stating that there was no aggressive use of the card, which they used as a reason to reject it.\n\nI do not understand how a transaction can be flagged as potentially fraudulent in real time by the banks fraud system  and confirmed with a phone call  and yet later be determined as not fraud. Their reasoning is inconsistent and disregards the evidence that supports my claim.\n\nI have requested a re-investigation, and I am seeking CFPB assistance to compel the bank to review this case again with fairness and transparency.\n\n\n\nRequested resolution:\n\nI am requesting that the bank:\n\t\tReopen the investigation into this unauthorized transaction;\n\t\tProvide a clear explanation of the denial and the evidence they used;\n\t\tIssue a refund for the fraudulent charge if the claim is found valid upon re-review.\n\n\n\nBank name: TD Bank, XXXX.\nDate of transaction: XXXX\nAmount disputed: XXXX\nMerchant name: XXXX XXXX XXXX\nClaim or case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Discrimination & Unfair Banking Practices Complaint Subject : Complaint Against Huntington Bank Unfair Account Closure and Withheld Payroll Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I am writing to formally file a complaint against Huntington Bank, specifically its Retail Mitigation Fraud Department, for unfair banking practices that I believe may also involve discriminatory treatment. 
On XX/XX/year>, I deposited my paycheck via mobile deposit into my personal Huntington Bank checking account ending in XXXX. This paycheck was from my employer, where I am paid $ XXXX as a lead XXXX XXXX. On XX/XX/XXXX, my account was suddenly placed on hold without explanation, and by XX/XX/XXXX, Huntington Bank had closed my checking account entirely. 
To this day ( XX/XX/year> ), I have not received the funds from my paycheck deposit, nor have I received any written or verbal explanation for the account closure or withholding of my money. I have made multiple attempts to contact the bank, but I have received no clear reasoning, documentation, or timeline for resolution. 
Key Facts : Date of Deposit : XX/XX/year> Deposit Type : Payroll check via mobile deposit Amount : {$2600.00} Account Number : XXXX Account Status : Closed on XX/XX/year> Current Status : Paycheck funds have not been returned or disbursed in any form My Concerns : XXXX. Withholding of Wages I am being denied timely access to wages I earned, which directly impacts my financial stability. 
XXXX. Lack of Due Process My account was closed with no notice, no investigation results, and no return of deposited funds. 
3. Unexplained Fraud Implication If Huntington suspected fraud, I was never given an opportunity to explain or respond. 
XXXX. Possible Discrimination As an XXXXXXXX XXXX XXXX and XXXX XXXX XXXX I am concerned that I may have been unfairly targeted or profiled under internal banking practices. The banks lack of transparency and communication raises equity concerns. 

I Am Requesting : A full investigation into the closure of my Huntington Bank checking account Immediate return or disbursement of my payroll funds deposited on XX/XX/year> A formal explanation for the account closure and delay in releasing my wages An apology and assurance that no negative reporting has been made against me or my business Investigation into whether the actions taken reflect discriminatory or biased conduct Please advise me of the next steps and confirm receipt of this complaint. I am available to provide additional documentation, including proof of deposit, payroll records, and prior bank communication. 
Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: DISCOVER BANK
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am the victim of identity theft. Fraudulent accounts have been opened and reported under my name without my knowledge or consent. Specifically, accounts from Discover Card and XXXX XXXX XXXX are being reported on my credit file, and I did not authorize or open either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> a man went into the XXXX Branch of Trustmark Bank and using a fake Passport ID took out a cash advance of {$9500.00} against our XXXX held with Trustmark. This transaction was fulfilled by a teller without approval from the XXXX bank XXXX ( as told to me and required per company policy according to our local XXXX AL branch XXXX ). In fact, according to our local branch XXXX, the teller helped the man ( captured on video ) fill out the withdrawal form. 
I discovered the transaction on XX/XX/year>, on my XX/XX/year> paper statement and reported it immediately to the local branch manager, with whom I met in person XXXX XXXX later where I signed an affidavit. My husband also signed an affidavit, returned to the bank the following day. 
I also filed an identity theft report with XXXX police ( no follow-up as yet ) on XX/XX/year>. 
The only followup we have received was a phone call on XX/XX/XXXX from the bank security manager alerting me to a hit on my credit report and that we would receive a letter from the bank offering us a year of free credit monitoring from Equifax, which we have both utilized. No mention in that letter on the status of the refund of {$9500.00} to our account. 
We checked out credit today and the withdrawal amount is still outstanding.

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 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
I made a Klarna purchase using a phone number I no longer have access to and an email address I dont remember. I reached out to Klarna support to regain access to my account so I could pay off the remaining balance of around {$40.00}. I offered to verify my identity using a government-issued photo ID, the card used for the purchase, billing address, and any other identifying info. 

Klarna refused to assist, stating they could not help without the original phone or email, and they declined to escalate my case. This is blocking me from resolving my debt, which I am actively trying to pay off to avoid credit damage or collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this formal complaint against Chase Bank for a series of discriminatory, harmful, and unjustified actions that have caused me serious financial, emotional, and reputational harm. 

I have been a loyal Chase customer for over 7 years, always maintaining good standing. I am a legally approved XXXX in the United States, with a valid Social Security Number, a recently renewed Employment Authorization Document ( EAD ), and a valid Form I-94 reflecting my asylum approval in XX/XX/2025. 

What happened : On XX/XX/2025, I discovered that all my bank accounts were abruptly restricted without any notice or prior communication. I was completely locked out of my accounts. When I contacted Chase customer service, I was treated in a disrespectful, mocking, and discriminatory manner by a representative who told me, with a smirk in his voice, that because I am Iranian and do not hold a U.S. passport or green card, my account must be closed. He claimed this was due to a government order, but failed to provide any documentation or proof. 

Despite providing Chase with my valid, updated government documents, including my newly issued EAD and I-94, Chase proceeded to permanently close all of my accounts. 

Impact : This unjustified closure caused severe emotional distress. I have been overwhelmed and unable to manage my daily affairs. 

I now face potential late fees, including an urgent credit card payment due XX/XX/XXXX, which I can not make due to lack of account access. 

My credit score has been negatively affected, and I have lost valuable rewards points and account standing I had built over years.

Most disturbing, my elderly parentsboth U.S. green card holdershad just opened new personal and business accounts with Chase, which were also immediately restricted without valid reason, despite providing full documentation.

The treatment I received was discriminatory, humiliating, and completely unjustified based on my national origin and immigration status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I received a settlement offer from EasyPay Finance stating I could resolve my loan for 50 % of the outstanding balance. I called them to set up a payment plan and asked if I could still qualify for the 50 % settlement by making $ XXXX monthly payments. The account manager verbally confirmed this and immediately after that call, I received email confirmations from EasyPay showing a schedule of {$120.00} payments on a monthly basis. 

On XX/XX/year>, I was charged an additional {$120.00} unexpectedly, even though I had already made my monthly payment on XX/XX/XXXX. When I called EasyPay, the account manager insisted I had agreed to weekly payments and claimed I no longer qualified for the settlement unless I paid weekly. This contradicts what was clearly stated to me and the written email confirmations I received, which only ever showed a $ 125 monthly plan. I was never sent any confirmation or notification about a weekly payment agreement. 

I disputed the unexpected XX/XX/XXXX charge with my bank ( XXXX ), and although they initially issued a provisional credit, they later reversed it, stating the merchant was authorized to charge my account since I had provided my information. However, the issue isnt whether EasyPay can charge my account it's that they misrepresented the terms of our payment agreement and made an unauthorized withdrawal outside of what was agreed upon.

I also tried contacting EasyPay multiple times and never received a response to my emails. The portal now shows incorrect or outdated information, including an old due date and different amounts, and does not reflect the monthly payment plan I was told I had.

Im asking the CFPB to investigate EasyPays misleading practices and unauthorized payment activity, and to assist in resolving this situation fairly. 

I have documentation including : The original 50 % settlement offer. 

Multiple email confirmations showing a $ XXXX payment plan. 

Proof of the unexpected XX/XX/XXXX charge. 

My dispute and XXXX  response. 

Screenshots of my call log showing when the plan was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against the U.S. Department of Education regarding the handling and reporting of my student loan during the COVID-19 pandemic.

The Department of Education has stated that negative information related to my student loan will remain on my credit report until the year XXXX. This is unfair and illegal, especially considering this occurred during the federally declared COVID-19 emergency. Under the CARES Act and related relief efforts, borrowers were supposed to be protected from negative credit reporting during the pandemic for eligible federal student loans. Despite this, negative marks are still being reported. 

Additionally, my loan was transferred to another servicer or creditor without my knowledge or consent. I was not notified, and I was not given the opportunity to opt out or understand the full consequences. This transfer added to my confusion, stress, and inability to manage or dispute my account properly. It also caused further damage to my credit. 

This situation has caused me extreme emotional stress and hardship. I feel trapped and powerless. It is unjust to penalize borrowers for events that took place during a national emergency, especially when many protections were promised by the federal government. I should not be forced to carry this burden on my credit report for the next five years when I complied with the rules and was under the impression that my account was in forbearance or protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 — Problem with personal statement of dispute
Company: Chime Financial Inc
State: UT

Complaint narrative:
I schedule a payment to pay a credit card, and Im having problems with the creditors because they said I scheduled the payment and it successfully go through on XX/XX/XXXX of 2025, but the money just was taken back on XX/XX/year>2025 so that means the payment just was taken out from the creditor, they are charging me for late fees, because they didnt get the money at the end, and when I talk to the people from the bank, that is Chime bank They didnt want to give me answers. They said they didnt find any transactions on those dates, and then I tried to call to a different number, but theres no other numbers they didnt want to transfer me either, they keep telling that this payment didnt process when I realized that the payment go thru and its shown on comenity that the payment was succeful, but I got a notification of late payment fees and when I called them they said they received the payment but the money just went back to the card that I use, and they provided me the dates the numbers of this successful transaction I been in so many calls to different people from the chime app and they change what they said every time I got different answers different dates, chime is not a trustful bank, they dont take responsibility of your money, they just dont care about you they care about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I mailed a formal dispute to [ Experian / TransUnion ] on XX/XX/year>, regarding inaccurate bankruptcy records. I requested verification or removal under FCRA 611. Over 90 days have passed with no response, which violates federal law. I am requesting removal of the bankruptcies and enforcement action. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I mailed a formal dispute to [ Experian / TransUnion ] on XX/XX/year>, regarding inaccurate bankruptcy records. I requested verification or removal under FCRA 611. Over 90 days have passed with no response, which violates federal law. I am requesting removal of the bankruptcies and enforcement action. Documentation is attached.

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 2025-06-28 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: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This {$170.00} XXXX XXXX account has been removed and reinserted on my credit report multiple times over the last 23 years, each time under a different collection agency name. 

These reinsertions were made without notice, in clear violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires the credit bureau to notify the consumer within five business days of reinsertion. That has never happened. 

Most recently, this account was reinserted on XX/XX/2025, by TransUnion and Experian, without prior notice or validation. XXXX  has not re-reported the account, exposing further inconsistency and unreliability in the data. 

I have never received certification or verification from any bureau. About a year ago, I contacted TransUnion concerning the reinsertion, but they refused to provide any information. They also refused to remove it again. This practice of re-reporting the same debt under new names is not just a technical failureit is credit harassment and a repeated abuse of the dispute process. 

These actions are causing me ongoing financial harm, dropped credit scores, and a paper trail of false reporting that should have been stopped years ago.

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I respectfully request that you reinvestigate this item and correct or remove it from my credit report as appropriate. 

Please find enclosed copies of documents supporting my dispute, including proof of identity and any records related to this account. 

Once your investigation is complete, please send me a written statement of your findings along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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