vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Against : Bank of America Prepaid Debit Card Fraud Dispute I am filing a complaint against Bank of America regarding multiple unauthorized transactions on my prepaid debit card. 

On XX/XX/year>, I filed multiple fraud claims under the following reference numbers : Claim XXXX Claim XXXX Claim XXXX Despite providing details and following the banks own instructions ( I was asked to review my account history, highlight suspicious transactions, and submit them as claims ), Bank of America denied all of my claims in only two days ( by XX/XX/year> ). 

I appealed, but Bank of America again denied my claims. Their most recent denial letter stated : We found undisputed card-present transactions after your card was lost or stolen. 


This reasoning is inaccurate and misleading for several reasons : 1. I did dispute these transactions, so they are not undisputed.

2. Card-present transactions do not prove authorization. Fraud can still occur through skimming, cloning, merchant error, or inside fraud, even without physical possession of my card.

3. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, the burden is on the bank to prove transactions were authorized not on me to prove they were fraudulent. 



Additionally, this issue began when Bank of America sent me a fraud reimbursement check for a transaction I did not recognize. When I contacted them, they directed me to review all transactions, highlight those that appeared fraudulent, and call back to submit claims. After doing exactly as they instructed, they denied my claims and dismissed my appeal. 

I am requesting that the CFPB require Bank of America to : Provide a full copy of the documentation and evidence relied upon in their denial, including merchant records, transaction details, and investigation notes.

Reevaluate my claims in good faith under the requirements of the Electronic Fund Transfer Act and Regulation E.

Credit my account for the unauthorized transactions.

Bank of America has failed to properly investigate, has provided misleading reasoning, and continues to wrongfully deny my fraud claims.

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 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to the company 's response XXXX, the accuser which is Toyota Financial Services has `` No Standing ''. Account statements is not permissible under Rules of Evidence.The burden of proof falls on Toyota Financial Services who doesn't have an original contract or it's mortgage deed which proves that I owed a debt. There was never a contract provided other then a copy with forged signatures on hypothecated document being sold without evidence of an original contract and it's promissory note ( deed ) which can not be separated if there were ever evidence that a true loan was provided to the legal fiction XXXX XXXX XXXX ( the property of the social security administration ) I agreed to be the surety over. The copies of documents submitted by Toyota Financial Services are altered and there's no basis that a contract was executed. Toyota Financial Services is incapable of upholding the Rules of Civil Procedures. Toyota Financial Services did not provide any exhibits proving that it provided XXXX XXXX XXXX ( a legal fiction that's not me ) with a loan. There's no bank statements showing the disbursements from the bank account in question where the funds came from and the fact that Toyota Financial Services stated it's investigative team found that there was no fraud also proves that a continued financial crimes enterprise is ongoing it's operations. Therefore Toyota Fiancial Serivces has continued a pattern of making false claims based off of original documents that it doesn't have to prove it's claim!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice i had fradulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-08-24 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice i had fradulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: WA

Complaint narrative:
am writing to formally dispute the bankruptcy reporting on my credit file. The bankruptcy is listed as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Under FCRA 611, you are required to conduct a proper reinvestigation of any item I dispute. Specifically, I am requesting that you : 1. Provide the name and contact information of the original source of the bankruptcy data you are reporting.

2. Provide documented proof that this bankruptcy was obtained and verified directly with the courthouse, not through third-party vendors.

3. Delete this bankruptcy from my credit report if you are unable to fully verify it as accurate and complete.

As you are aware, the FCRA requires deletion of any information that can not be verified ( 611 ( a ) ( 5 ) ). If you can not provide full verification from the original source, this item must be removed from my credit file.

Please complete your reinvestigation within the legally required 30 days and provide me with written confirmation of your findings.

FCRA Sections You Can Use for Rapid Removal 1. FCRA 609 ( 15 USC 1681g ) Right to Access Information * You can demand disclosure of the source of any negative item.

* If they can not provide proper source/contract/original record, you argue it must be deleted.

2. FCRA 611 ( 15 USC 1681i ) Right to Dispute & Reinvestigation * You dispute inaccurate, incomplete, or unverifiable items. 
* They must reinvestigate within 30 days ( sometimes sooner ). 
* If they cant verify with the original furnisher, they must delete. 
3. FCRA 623 ( 15 USC 1681s-2 ) Duties of Furnishers * The creditor ( furnisher ) must only report accurate information.

* If you notify them of an error and they fail to correct it, theyre in violation.

4. FCRA 605B ( 15 USC 1681c-2 ) Identity Theft * If an account was opened fraudulently, you can demand immediate blocking of that tradeline.

* CRAs must block the item within 4 business days once you provide proof ( like police report, FTC affidavit ).

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 2025-08-24 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: OH

Complaint narrative:
I am filing this complaint against XXXX, Equifax, and XXXX  for continuing to report multiple fraudulent and unverifiable accounts as closed with derogatory marks, despite my repeated disputes and submission of an FTC Identity Theft Report with supporting identification. 

The accounts include : XXXX XXXX ( XXXX XXXX ) Acct. No. XXXX XXXX XXXX Acct. No. XXXX XXXX XXXX / XXXX XXXX  Acct. No. XXXX XXXX XXXX Acct. No. XXXX XXXX  has previously deleted certain accounts as unverifiable, yet XXXX  and Equifax continue to report them as closed with derogatory late payments and charge-off status. This inconsistency across CRAs is itself a violation of FCRA 607 ( b ), which requires maximum possible accuracy.

These accounts remain on my reports in violation of multiple provisions of the FCRA : FCRA 605B once I submitted my FTC Identity Theft Report and proof of identity, these accounts were required to be blocked/deleted, not left as closed derogatory.

FCRA 611 ( a ) ( 1 ) the CRAs reinvestigations were inadequate, relying solely on unverifiable furnisher responses while ignoring my identity theft evidence and documentation.

FCRA 611 ( a ) ( 5 ) ( B ) if these accounts were previously deleted and later reinserted in closed form, the CRAs failed to provide the legally required 5-day notice and certification.

FCRA 623 ( b ) furnishers such as XXXX XXXX, XXXX, XXXX, and XXXX XXXX are furnishing inaccurate data by continuing to report these fraudulent tradelines. 

These unlawful practices are damaging my creditworthiness, suppressing my scores, and obstructing my ability to obtain fair credit. I demand that the CFPB require XXXX, Equifax, and XXXX  to permanently delete these tradelines and confirm they will not be reinserted. Cosmetic status changes such as closed do not satisfy FCRA compliance when identity theft and inaccuracy have been established. I further request CFPB oversight and enforcement action against the CRAs and furnishers for willful violations under FCRA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of a late payment on my closed XXXX XXXX XXXX account ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX ). This account is being reported as Closed Negative with delinquency/late ( s ), which is inaccurate, incomplete, and unverifiable. 

I already disputed this account with the credit bureaus through the Metro 2 ( M2 ) system, using the appropriate E-OSCAR dispute codes. However, XXXX XXXX XXXX verified the account without conducting a proper investigation, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA 611 ( 15 U.S.C. 1681i ) requires a reasonable reinvestigation of disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires data furnishers to report accurate and complete information. 

XXXX and the credit bureaus failed to meet these legal obligations. The reported delinquency is unverified, misleading, and harmful to my credit profile, causing unfair and ongoing damage. 

I am requesting that the CFPB require XXXX XXXX XXXX and the credit bureaus ( XXXX, Equifax, and XXXX  ) to : Conduct a full and proper reinvestigation. 

Provide verifiable proof of the alleged delinquency OR delete it immediately. 

Correct the record and provide written confirmation of the results. 

If this continues unresolved, I will escalate the matter further, including filing with the FTC, State Attorney General, and pursuing all legal remedies available under the FCRA for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because a fraudulent account has been placed on my credit report. I am a victim of identity theft, and I do not recognize or owe this account. I have already filed a police report and submitted an identity theft report to the credit bureaus. I have also provided copies of my identification and supporting documents to verify my claim. 
Despite providing the required documentation, Experian has failed to remove the fraudulent account from my credit file. This account is reporting incorrectly, harming my credit standing, and causing me unnecessary stress and hardship. Equifax has already removed this account after reviewing the same documents, but Experian has not taken corrective action. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information once valid identity theft documentation is provided. 
I also reached out to Impact Receivables, the debt collecting agency. They sent me validation of the debt, which was a fraudulent lease with electronic signatures. The document showed an XXXX  verification, but when I reviewed it, the information did not matchmy cell carrier was incorrect, and the document showed it was signed in Washington state, even though I live in XXXX, TN. I requested an XXXX XXXX, but they could not provide one. 
Impact then told me to contact XXXX, claiming they are the original owners of the debt. However, when I contacted XXXX, they confirmed they do not own the debt and only managed the property at one time. XXXX XXXX has since been sold, meaning Impact Receivables can not legally collect because they are attempting to collect on behalf of a company that does not even own the debt. This conduct is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from misrepresenting the ownership, validity, or enforceability of a debt, and from continuing to collect when proper validation can not be provided. 
I am requesting that the Consumer Financial Protection Bureau ensure that Experian promptly investigates and permanently removes this fraudulent account from my credit report, as required under the FCRA. Additionally, I request that Impact Receivables be investigated for FDCPA violations and prevented from attempting to collect on this fraudulent and invalid debt.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I previously maintained both personal and business accounts with Chase. I am requesting closure of these accounts, but Chase has refused to allow me to close them unless the balance is brought to {$0.00}. The negative balances are not the result of any transactions I authorized they are entirely due to Chases own monthly service fees and overdraft fees from XXXX and XX/XX/year>. I stopped using the account in XXXX because of the amount of fees and have since moved all transactions to other banks. 

Chase continues to charge additional monthly service fees even though I have made clear I no longer want to keep these accounts open. This creates a cycle where the account balance can never be brought to {$0.00} and therefore can never be closed. I am being forced to keep accounts open that I do not want, which exposes me to further fees and potential liability. 

I have also closed my business entities ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), yet Chase is still forcing me to keep the business bank accounts open under those entities. This creates unnecessary risk for me personally, as I am legally required to wind down dissolved business entities and should not have lingering open bank accounts tied to them. 

This practice of refusing to close accounts until the balance is {$0.00}, while continuing to generate new monthly service fees that prevent the account from ever reaching {$0.00}, is unfair and abusive. It prevents me from moving on to other financial institutions and puts me at risk of further financial harm. 

These practices have caused me significant stress, created conflict with my family when funds were misdirected to these overdrawn accounts, and prevented me from accessing money that I needed for basic household expenses such as food.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: PA

Complaint narrative:
The credit report contains false late payments, collection accounts, hard inquiries, and inaccurate personal information. All entries are unverifiable and damaging. I demand immediate deletion under FCRA, FDCPA, and 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 explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I am the victim of identity theft. To my knowledge, I did not apply for, authorize, or open the accounts that are appearing on my credit report. I do not recall ever doing business with the listed creditors, and I have not received or benefited from these accounts. 

I first discovered these fraudulent accounts when reviewing my credit reports. They include collections and charge-offs that I do not recognize. Many of these accounts were allegedly opened after my XXXX  bankruptcy, at a time when I was unable to obtain new credit. This shows they could not have been legitimately opened by me. 

These accounts are reporting inaccurately and harming my credit and reputation. I have already filed an FTC Identity Theft Report. It's is Attached Below Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
I am the victim of identity theft. To my knowledge, I did not apply for, authorize, or open the accounts that are appearing on my credit report. I do not recall ever doing business with the listed creditors, and I have not received or benefited from these accounts. 

I first discovered these fraudulent accounts when reviewing my credit reports. They include collections and charge-offs that I do not recognize. Many of these accounts were allegedly opened after my XXXX  bankruptcy, at a time when I was unable to obtain new credit. This shows they could not have been legitimately opened by me. 

These accounts are reporting inaccurately and harming my credit and reputation. I have already filed an FTC Identity Theft Report. It's is Attached Below Account # XXXX XXXX XXXX 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