vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX I am writing to formally dispute the misleading information reported on my account, which violates FDCPA section 807. The payment history, account number, amounts, and payment status are all inaccurate. I request that you delete the incorrect late payment history immediately, as I am considering legal action regarding this matter. Thank you for your prompt attention to this issue.

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX I am writing to formally dispute the misleading information reported on my account, which violates FDCPA section 807. The payment history, account number, amounts, and payment status are all inaccurate. I request that you delete the incorrect late payment history immediately, as I am considering legal action regarding this matter. Thank you for your prompt attention to this issue.

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Deleting the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per see ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Independence Capital Recovery, LLC
State: TX

Complaint narrative:
Received a loan with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Payments were never missed. My husband passed away in XXXX and credit card was hacked, so I had to get a new credit card. I forgot to add XXXX XXXX XXXX  back to my automatic draft accounts when I received the new card. Instead of XXXX XXXX XXXX  reaching out to me to see what happened. I never heard or received anything from them until I was served papers for a law suit against me. But XXXX XXXX XXXX XXXX breached their own contract because on page 7 of 16 states that if the company has a problem with the consumer then then the company is to request arbitration before filing a lawsuit against the consumer. And that is not what XXXX XXXX XXXX XXXX XXXX Secondly, XXXX XXXX XXXX XXXX has sold this account to Independence Capital Recovery , LLC and Independence Capital Recovery filed a lawsuit but are not the company that I had the agreement with. I requested information from the CEO of Independence Capital Recovery and did not receive any response. The following questions were asked with no response. 1. Full accounting history, was the account written off and a 1099 C presented to the Internal Revenue Service, confirmation that this account was not securitized or monetized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I entered into a settlement with American express after I started the arbitration process in XXXX XXXX. I paid what the settlement required XXXX on one account and XXXX on the other. My XXXX  account has been charged every month since then for roughly {$60.00}. It has affected 2 home purchases one falling thru and losing g {$5000.00}. Along with other financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a fraud claim with Bank of America ( Claim # XXXX ) in XX/XX/XXXX for a transaction in the amount of {$9800.00}. The funds were fraudulently taken by XXXX XXXX XXXX CA on XX/XX/XXXX from my Bank of America Debit Card ( XXXX Transaction ID XXXX ), and paid IMMEDIATELY to XXXX XXXX from XXXX Cash ( Transaction ID XXXX ). Bank of America initially honored my fraud claim on XX/XX/XXXX and temporarily deposited the funds back to my account ; however, Bank of America reversed their decision on XX/XX/XXXX and removed the funds from my account citing I authorized the transaction. This transaction was NOT authorized and should never have been removed from my account. I re-opened the fraud claim with Bank of America today, XX/XX/XXXX. I have filed multiple fraud claims with Bank of America due to their evident inability to protect me and my assets from fraudulent activity, but this is the most substantial amount that has been involved in a dispute. I am the victim of a financial crime and I no longer trust Bank of America or XXXX to protect my assets. I did not authorize {$9800.00} to be removed from my checking account and would like to be compensated for what has been illegally taken from me. As a customer, this is unacceptable and it has been one of the most XXXX  circumstances I've ever had to deal with. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Issue Summary : JPMorgan Chase notified my family that all our banking accounts and credit cards will be closed effective XX/XX/year>, citing unexpected activity, without providing any explanation or identifying any specific concern. 

Key Facts : We have been Chase customers for nearly 20 years. 
We have never had a late payment and are unaware of any activity that would justify account closures.

Chase holds our only checking account, savings account, two business checking accounts, our childrens savings accounts, and multiple credit card accounts, including our main ones used for daily expenses. 
I am a XXXX XXXX  veteran, and Chase has previously provided SCRA protections during deployments. 
Multiple calls to Chase customer service and a review with our local branch have failed to produce any explanation or identified issue.

Consumer Harm : Abrupt closure of all accounts will significantly disrupt our familys finances ; all auto-pay and ACH debits are tied to our Chase accounts and credit cards.

Credit report damage due to reduced available credit, increased credit utilization ratio, and reduced average account age.

Lack of transparency preventing us from addressing or correcting any alleged issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
I am filing a complaint against this collection agency for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ). 
I sent a written debt validation request, which the collector received on XX/XX/year>. In response, the collector only provided a basic account ledger/breakdown, which does not constitute proper validation of the alleged debt. 
I sent a follow-up written request requesting full validation, including proof of the collectors authority to collect, documentation showing I am legally obligated for the debt, and a complete itemization of charges. The collector has failed to respond.

Despite this, the account remains unresolved and may still be reported or collected upon without proper validation, which is a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am submitting this resolution to place Macys / CBNA on formal notice of willful non-compliance with federal law and to preserve my rights for imminent litigation. 

Macys issued a written fraud denial dated XX/XX/year> assertingwithout evidencethat I am responsible for unauthorized charges. That determination is legally defective, factually unsupported, and irrelevant under 15 U.S.C. 1681c-2 ( FCRA 605B ). 

I am the documented victim of identity theft. I submitted a valid FTC Identity Theft Report # XXXX and a police report # XXXX, along with government identification and proof of address. Under federal law, this triggers a mandatory block obligation. There is no discretion, no balancing test, and no investigation standard under 605B. 

Macys has produced XXXX admissible proof that I opened, authorized, or benefited from this account. Specifically, Macys has failed to produce : NO SIGNED CONTRACT NO CREDIT APPLICATION NO WET SIGNATURE NO IP LOGS NO DEVICE ID OR DEVICE LOGS NO GEOLOCATION DATA NO SESSION OR LOGIN HISTORY NO BANK AUTHORIZATION NO DELIVERY CONFIRMATION NO BILLING STATEMENTS SHOWING MY BENEFIT NO AUDIO RECORDING OR VERBAL AUTHORIZATION NO IN-PERSON ID VERIFICATION NO GOVERNMENT ID MATCH CONFIRMATION Assertions such as implied authority, benefit received, or payments made are legally meaningless under 605B and can not override sworn identity-theft documentation. Prior payments do not create liability for fraud, nor do they waive statutory protections.

Macys is further on notice that this account is not currently reporting. Any future reporting, reinsertion, verification, or furnishing of this account to any consumer reporting agency would constitute a knowing violation of FCRA 605B, 611, and 623, and will be treated as willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
To Whom It May Concern, I am writing to respectfully request a goodwill adjustment regarding late payment marks recently reported on my Spirit Airlines Credit Card account Issued from Bankof America.Prior to this incident, I maintained a long history of on-time payments and responsible credit use, with an excellent credit score. Unfortunately, due to an unexpected autopay failure, my account became delinquent for 2 months before I became aware of the issue. Once discovered, I immediately brought the account current and ensured that all payments are now properly set up and monitored.The charge which I was unaware of was from an annual fee of {$79.00}. I was never made aware that I had a delinquentbalance.I take full responsibility for not catching the issue sooner, but I hope you will consider this an isolated and unintentional mistake rather than a reflection of my overall credit habits. The late payment marks have had a significant negative impact on my credit profile despite my otherwise strong history.I value my relationship with your institution and would be very grateful if you would consider removing the reported late payment marks as a one-time courtesy. I am committed to maintaining all of my accounts in good standing moving forward.Thank you very much for your time and consideration. I truly appreciate it. 
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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of america say they will close my account for no reason I try to explain to them I close my last account but I was need to keep on file a dispute because it like someone keep on using my card they i open a new one they close that account soon if you can't help me I will take action against Bank of America then they keep my money so I little upset with them

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 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I lost access to my Cash app as well as my physical card. I have {$1000.00} in the savings account I have with cashapp and I have not been able to regain access to the account for the funds since I do not also have access to the email or phone number that is tied to that account. I have been in contact with Cash App for about a month now trying to access my funds and I have been getting nowhere. I keep getting told to call back and retry and when I call back and retry, I dont get anywhere. I have been in contact via email with support and after going back-and-forth today XX/XX/XXXX on what else I needed to provide to gain access, they are insisting on closing the case the same day and not taking investigation seriously, I have a strong feeling they didnt investigate and theyre stating that I do not need any more help when I do, my issue has not been resolved, and I feel like they are taking advantage of me/ my funds. I have attached all screenshots of the email conversation that took place today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase Bank, N.A. has refused to disclosed material information regarding the unauthorized use of my social security number in connection with a trust entity that possesses a XXXX XXXX number but is based in a foreign country. The bank has refused to disclose material information regarding the unauthorized use of my social security number number in connection with a trust entity that possesses a XXXX XXXX but is based in a foreign country. Chase is refusing to give any information.

Chase is illegally withdrawing funds from my account after the final investigation is closed. Chase has repeatedly reverse unauthorized transactions after a review found that funds were not authorized. Please stop chase from reversing entries that have been reviewed and finalized. 

I am also requesting that CFPB intervene to compel Chase to provide written, substantive response and to ensure regulatory compliance. This conduct raises serious concerns regarding unsafe banking practices, GLBA violations and failure to comply with XXXX, XXXX, and FATCA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: AK

Complaint narrative:
I am submitting this dispute as a consumer regarding inaccurate or unverifiable items on my TransUnion credit report.

Charged-off accounts I dispute : XXXX XXXX XXXX XXXX, Opened XX/XX/year>, Balance {$1300.00} I request that TransUnion verify this account with the original creditor. If the account can not be verified, it should be removed from my credit report. 

Inquiries I dispute : None listed for TransUnion Late payments I dispute : XXXX XXXX, XXXX I request verification of this late payment. Any unverified or inaccurate information should be removed from 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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A host of complaints have been filed with the CFPB from XX/XX/XXXX through XX/XX/XXXX pertaining to Wells Fargo Banks reckless behavior in regard to the opening of unauthorized accounts, employees creating debit cards/PINs, fraudulent account applications and signature cards without my knowledge or consent. My most recent request for mediation, redress, compensation in accordance with the settlement agreement have not been honored nor responded to. 

My most recent mediation case number is XXXX. The case has been assigned to Wells Fargo XXXX Representative XXXX XXXX at extension # XXXX. XXXX XXXX has stated she has been unable to reach me. I have not received a voicemail or missed call from XXXX XXXX. I have previously left her voice mail messages that have not been returned. I was transferred to her today, she placed me on hold and the call later terminated. 

I am requesting Wells Fargo XXXX XXXX XXXX XXXX XXXX and Wells Fargo 's XXXX XXXX XXXX XXXX review all of the claims submitted ( approximately XXXX complaints ) to the CFPB, determine if mediation, redress, or compensation has been disbursed to another individual posing as " XXXX XXXX ''. 

I also want to raise concerns as the individual ( XXXX XXXX ) assigned to my case is also a divorce mediator. I am actively in the process of moving forward with a divorce in the XXXX of XXXX XXXX where XXXX XXXX may also serve as a divorce mediator. It is my belief XXXX XXXX may be engaging in a quid pro quo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I was pre-approved for financing through XXXX credit ( issued by Synchrony Bank ) for a XXXX gutter guard installation. A XXXX representative confirmed my financing approval and documented that I was approved for up to {$10000.00}. Based on this approval, the work was authorized and completed. 

After the installation, I was informed by Synchrony that my XXXX credit account had been closed on XX/XX/XXXX, despite being in good standing. I was not provided any written notice of this account closure prior to the work being performed. 

The following day, XX/XX/XXXX, the XXXX representative again confirmed and documented my financing approval through XXXX credit, and the project proceeded based on that representation. 

I now have no active XXXX credit account, yet XXXX and XXXX are attempting to process payment and are repeatedly calling me to confirm completion and finalize billing, even though the financing authorization is disputed and unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FDR Asset USA LTD
State: AK

Complaint narrative:
I moved into XXXX  XXXX  in XXXX XXXX. That following XXXX when the snow melted and the sump pump didn't work and my apartment flooded. smelt like mold bad I asked them to replace the carpet and they did not. Their solution was to put fans till it dried. My home smelt like mold for months. I Moved out in XXXX of XXXX they said i had to pay for the carpets because of damage to the fringe between the doors that was caused by the flood pulling up the carpet and my vacuum tearing it up. They tried to say they only charged me a portion but I refuse to pay for any of it due to not only the negligence of the carpet but the whole time my family lived there we were subjected to a XXXX XXXX. I made several complaints to the housing office the police and even the XXXX XXXX nothing was ever done. XXXX XXXX XXXX XXXX XXXX XXXX all over the property. not to mention from XX/XX/XXXX to XX/XX/XXXX about XXXX times a month we were out of hot water. when the other XXXX apartments became occupied they then decided to fix the hot water heater. i have documents of all of this. when FDR alliance called me i was explaining that I want to dispute the account the lady listened for like 5 seconds then hung up on me. they haven't validated it and are still calling me to collect the debt. not only that but i have never got the notice from FDR alliance.

Company response to consumer: Closed with explanation