vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
SUBJECT : Permanent Account Closure After 25 Years ( XXXX XXXX, XXXX XXXX ) I am writing to formally complain about the closure of my Chase checking account ( held for approximately 25 years ) and the decision to permanently bar me from ever holding another Chase account. 

The stated reasons, as provided by branch manager XXXX ( phonetic spelling ) at the XXXX XXXX XXXX XXXX, XXXX, WA branch were three instances of inappropriate conduct toward employees : * Complimenting one tellers glasses as XXXX librarian glasses. 
* Commenting to another teller that she wasnt wearing her cute little name tag. 
* Mentioning I am writing a XXXX  romance novel ( my profession is writing ; I have made my living as a writer for 33 years ). 

Allow me to make a few observations : 1. This decision is absurd on its face closing a 25-year account and permanently blacklisting a customer on a nationwide level over two light, non-sexual compliments to tellers is not rational banking policy. Its a power trip dressed up as HR virtue-signaling. Realistically, those comments are mild workplace compliments at worst the kind that happen a thousand times a day in retail/banking without incident. No reasonable person would interpret them as harassment. No reasonable bank would escalate them to account closure and a permanent nationwide ban. This wasnt about protecting employees. This was one manager deciding she gets to police language she personally dislikes and using the nuclear option to do it.

2. I mentioned a book I'm writing. In XXXX. In the same country where XXXXXXXX XXXX XXXX XXXXXXXX sold XXXX XXXX copies and made XXXX XXXX a billionaire. But apparently in that branch of Chase, its still XXXX and I've just confessed to practicing witchcraft in my basement. Permanently blacklisting a 25-year customer on a nationwide level because hes writing a legal, adult, consensual XXXX  romance novel? Thats not professionalism. I am writing a serious novel about consent, boundaries, and redemption and some petty tyrant just violated my boundaries over two innocuous compliments and the fact she doesn't like what I write. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I opened accounts with Chase bank in XX/XX/XXXX. I was told to that no account service fees for my accounts with a combined balance of {$15000.00} or more. Yet in XX/XX/XXXX I found out that a service fee of {$5.00} was charged in XXXX and XXXX. When I called customer service, I was told they just changed policy. On top of combined balance of {$15000.00}, a minimum balance of {$200.00} on savings account is needed. I asked to downgrade my account and Chase refused. So I had to move some funds in. Since then my accounts have been meeting Chase new requirements. Yet to my great surprise I found out recently that Chase has been charging $ 5 monthly service fee since XX/XX/XXXX. I asked why such fees were charged since my accounts did meet their requirements, and asked for those fees to be reimbursed. so far no reply from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
the company sent my information to my old address on file which was not the correct address i gave them that address in XXXX i had no idea a new card was sent out i was under the impression my money would be sent to my card i received in XXXX but for some reason they said they issued me a new card. which i never seen still to this very day. im a victim of identity theft the benefits i have been awarded by unemployment was never issued to me the bank miss handle my account letting someone clear all my benefits.

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 2025-12-08 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: SC

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or unverifiable information listed below. I am disputing these items individually with each credit bureau as they contain discrepancies, incomplete reporting, or information that can not be verified. Please investigate and remove any data that can not be proven accurate. 
Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are inconsistencies between this report and other bureaus regarding these accounts, and I request a thorough review. 

Inquiries in Dispute ( Please verify the following inquiries or remove them if they are not valid ) XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments in Dispute XXXX XXXX XXXXXXXX

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 2025-12-08 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: NC

Complaint narrative:
I am writing to you as a consumer under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting the following : 1. A list of all individuals or entities who have accessed my credit report within the last 24 months under the permissible purpose outlined in Section 604 of the FCRA. Please include names, addresses, dates of access, and the stated reason for each inquiry.

2. A complete copy of my credit report, including all inquiries ( soft and hard ), promotional reviews, and insurance inquiries.

3. A review and deletion of any negative accounts or information on my report that are inaccurate, outdated, unverifiable, or incomplete.

I am formally disputing the following accounts currently being reported on my credit file. I am requesting that you conduct a thorough reinvestigation and delete these items if they can not be fully verified or are reporting inaccurate, outdated, or incomplete information : 1. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


DPT EDXXXX - 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to make it absolutely clear that this complaint is valid. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on me, and I can not overstate the urgency of correcting 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been with XXXX XXXX since XXXX XXXX  and have never missed a payment until this mix-up happened. It is not because of hardship, it is because my auto pay did not cover my payment due. I usually would get a notification from my credit card company if there is an issue with my payment. I realized something was wrong when my credit reporting agency notified me of a new late payment on my credit history. My auto pay was set at {$120.00} because it covered my balance. My recent charge increased my credit card payment because the balance rose, but I received no notification that my auto pay balance was not enough to cover the fees for XXXX, XXXX, and XXXX. I did not log into my credit card account because it was on autopay, and I thought that if there were a problem, I would have been notified. XXXX I was supposed to pay {$150.00}, APR 25.24 %. The XXXX payment was {$280.00}. APR increased to 25.99 %, plus a {$39.00} late fee. The XXXX payment was {$430.00}, APR XXXX, plus a late fee {$39.00}. XXXX payment is {$580.00}, plus a {$39.00} late fee. I called XXXX XXXX and spoke to a manager to resolve this issue. I was told they can only waive one {$39.00} late fee, but I still have to pay the full balance due and file a dispute to fix my credit report. I also complained that I did not get a notification on my phone or email from XXXX XXXX, nor did anyone call me about 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 2025-12-08 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: NY

Complaint narrative:
I have been with XXXX XXXX since XXXX XXXX  and have never missed a payment until this mix-up happened. It is not because of hardship, it is because my auto pay did not cover my payment due. I usually would get a notification from my credit card company if there is an issue with my payment. I realized something was wrong when my credit reporting agency notified me of a new late payment on my credit history. My auto pay was set at {$120.00} because it covered my balance. My recent charge increased my credit card payment because the balance rose, but I received no notification that my auto pay balance was not enough to cover the fees for XXXX, XXXX, and XXXX. I did not log into my credit card account because it was on autopay, and I thought that if there were a problem, I would have been notified. XXXX I was supposed to pay {$150.00}, APR 25.24 %. The XXXX payment was {$280.00}. APR increased to 25.99 %, plus a {$39.00} late fee. The XXXX payment was {$430.00}, APR XXXX, plus a late fee {$39.00}. XXXX payment is {$580.00}, plus a {$39.00} late fee. I called XXXX XXXX and spoke to a manager to resolve this issue. I was told they can only waive one {$39.00} late fee, but I still have to pay the full balance due and file a dispute to fix my credit report. I also complained that I did not get a notification on my phone or email from XXXX XXXX, nor did anyone call me about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to lear I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to request the Method of Verification ( MOV ) for certain information listed on my credit report. As a consumer, I have the right to request verification of any disputed item under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ). FST XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
The company is attempting to collect two alleged debts from me that I do not believe I owe. One is a collection account for about {$38000.00} that the company says is from a XXXX credit account opened around XX/XX/XXXX. The second is a collection account for about {$3900.00} and {$4000.00} that the company says is from a XXXX XXXX  account opened around XX/XX/XXXX. Both accounts are being reported as collection/charge-offs on my credit reports. 

After seeing these accounts on my credit reports in XXXX, I sent the company multiple written disputes asking them to investigate and to validate the debts. I requested copies of any original signed agreements, a complete itemized breakdown of the balances, and proof that they have the legal right to collect and report these debts. I also told them that I do not recognize these amounts and that if they can not validate the debts, they should stop collection and have the accounts removed from my credit reports. I have also disputed these accounts with the credit bureaus. 

The company has not provided the validation I requested. As of late XXXX, the company is still reporting these accounts as active collection/charge-offs on my credit reports, and the tradelines do not accurately reflect that I have disputed them. This ongoing reporting is harming my credit and affecting my ability to qualify for financing on fair terms. 

I am asking the company to fully investigate my disputes, provide complete validation of both alleged debts, and, if they can not do so, to stop all collection activity and request deletion of both collection accounts from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy. 

I have attached a copy of my government-issued identification, Social Security card XXXX and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy. 

I have attached a copy of my government-issued identification, Social Security card , and proof of residency to verify my identity and address. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear that this complaint is not in error. My credit report contains inaccuracies that do not reflect the highest standard of accuracy required. These errors are causing ongoing, serious harm to me.

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 2025-12-08 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: PA

Complaint narrative:
I am writing to request the Method of Verification ( MOV ) for certain information listed on my credit report. As a consumer, I have the right to request verification of any disputed item under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ). PHFA-40800 * * * *.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I got my Google pay Account. 
And every Friday I. Used the account because is the way I send money every week to my son and is with the mobile apps where I pay may school. 

Because was getting the specialist in medicine in then air,

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Congress states that any charge off or debt collection can not be also used against my credit because it is considered income therefore it has to reported within a 1099 and submitted to the IRS so I have notified the IRS about this matter and reached out to my attorney as well and all parties involved are being sued effective immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please review the provided materials ; the questions arrived unexpectedly and may not be authorized.

Company response to consumer: Closed with explanation