vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been on my Experian credit report for over a year. These companies are not posted on my XXXX  or Experian reports I have several disputes but these accounts were never removed. Please help remove these items from my credit report. I believe this debt is a case of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: KY

Complaint narrative:
i recently received a copy of my credit report and noticed some fraudulent accounts on my report. please rmove 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello on XX/XX/year> I bought used engine with 90k mileage for {$1700.00} from company auto used. And I found out engine is bad and not work running on my car. So I did report to Chase about it and chase decide denied my claim. Im not happy because Im XXXX  and hard time to find engine for car I need car for work as roadside. Please help me. Company used cars try rip me off and scammer. Wont give me refund. I been call and show up look name XXXX. He avoid dont want talk to me for refund. Chase dont care about my side story.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Back in XXXX I was trying to pay my USAA credit card but instead I paid my insurance bill. I contacted USAA and explained to them that it was a mistake. USAA adjusted my payment and paid the correct account. It was XXXX dollars I think. Well a week ago They took the provisional credit back which caused my savings account to go XXXXXXXX once again I contacted USAA and was told that it was a mistake. That they would adjust it and it would take 1 business day. Well it never was fixed. From there I called again and was told it would take 2-3 days. Wasnt fixed called again. Said it would be another 2-3 business day before this could get fixed. I keep getting the run around. They admitted in writing it was a mistake on their end and its also in writing that I would have my account back to positive balance. It was been over a week. Nothing left USAA no one will talk to me that can fix the issue or Im being told that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I tried to deposit {$7200.00} in my chase account. There were many bills of {$100.00}, {$50.00}, {$20.00}. 
The ATM machine could not read all the bills, and asked me if I want to proceed with depositing {$4900.00}, I said yes, and tried to deposit rest of the bills in the same transaction, without having to take the atm card back from the machine. 
The machine, again, could not read all the bills and asked me if I want to proceed with depositing {$1000.00}, I said yes, and tried to deposit rest of the bills in the same transaction, without having to take the atm card back from the machine. 
The machine, again, could not read all the bills and asked me if I want to proceed with depositing {$200.00}, I said yes, and this time I took back the remaining {$20.00} bucks and ended the transaction. 
When I counted all the money, it was just {$6200.00}. But I was expecting {$7200.00} to get deposited. 
I immediately talked to the banker where that ATM machine was installed, he asked me to call a number to report the claim. He also said that it is not surprising, the machine often counts money incorrectly and is an old machine. I was so shocked why the bank is using it despite so many complains, by the banker, and also by the consumers all over the internet. 
Upon talking on that number, chase temporarily credited my account with {$1000.00}, but today I got a notice that they are taking it back. Claim number : XXXX Had the machine counted all bills in one go and asked me if I want to deposit {$6200.00}, I would have pressed NO, because I know that's not the right amount. but it counted partially besides counting incorrectly. 

I request Chase to return me {$1000.00} back, it is not a small amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, Chime withdrew {$400.00} from my account for repayment of a past XXXX advance from XX/XX/year>. While I acknowledge the debt, this deduction was made without prior notice and in a lump sum, leaving me without the funds to pay urgent bills, rent, and basic necessities. 

When I contacted Chime immediately through via phone, I was informed that as of XX/XX/year>, Chime had changed its repayment policy to begin taking repayment from any funds added to my account not just from my direct deposit on payday. I was never informed of this policy change before it was enforced against my account. 

Even if I had reviewed my most recent statement, it clearly indicated that repayment funds would be deducted from my direct deposit not from any funds deposited into my account. The sudden enforcement of a new policy on XX/XX/year>, allowing repayment deductions from all incoming funds was never communicated to me in advance. As a result, I had no reason to expect that a {$400.00} lumpsum repayment would be taken from my account outside of my direct deposit, which caused severe and immediate financial hardship. 

Chime representatives were dismissive and refused to provide any assistance. I explained my hardship and requested either : 1. A partial or full reversal of the {$400.00} to cover my immediate needs ; and 2. A repayment plan for the balance to prevent further hardship. 

They refused both requests, repeatedly stating there was nothing they could do. Their tone and approach left me feeling disregarded, as though my urgent financial situation was of no concern to them. 

This sudden policy change implemented without advance notice combined with their refusal to make reasonable accommodations has caused severe financial hardship. I believe this treatment is unfair and inconsistent with fair banking practices. 

I am requesting the following resolution : XXXX reversal or partial refund of the {$400.00} withdrawn on XX/XX/year>, and Establishment of a reasonable repayment plan moving forward. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Collection Agency Name Agency Address City, State, ZIP Code Re : Request for Debt Validation | Account # To Whom It May Concern, I am writing to you in response to a notice I received regarding an alleged debt. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide all documentation supporting your claim, including but not limited to : 1. The original creditors name and contact information 2. A copy of the original signed contract or agreement bearing my signature 3. A complete payment history, showing all charges, payments, interest, and fees from the original creditor 4. A detailed explanation of how the alleged amount was calculated 5. Proof of your legal right to collect this debt, including a copy of any assignment or transfer of the account from the original creditor to your agency 6. Proof that the statute of limitations has not expired 7. A copy of your license to collect debt in my state ( if required by law ) Be advised that : Until you provide the requested validation, you are not permitted to report this debt to any credit reporting agency, nor are you allowed to pursue collection efforts. 
If you have already reported this debt to any credit bureaus, consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and request that it be marked as disputed. 

Please respond in writing within 30 days. If you can not provide the requested documentation, you must cease all collection efforts and delete any reported information from all credit bureaus immediately. 

Sincerely,

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 2025-08-02 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: CA

Complaint narrative:
This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. They are also reporting inaccurate accounts on my credit reports, with late payments, inaccurate balances, and monthly payments. I also wasn't notified with payments and plans until l looked on my credit report and saw a 90 day late payment with no prior 30 or 60 days.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report contains a XXXX XXXX bankruptcy public record and multiple Included in Bankruptcy ( XXXX  ) accounts that are being incorrectly associated with me due to a name mismatch. The bankruptcy, Case # XXXX, was filed under XXXX XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX, and all of my legal ID, address, and banking documents reflect that full legal name. The CRAs have no legal basis to assume " XXXX XXXX XXXX '' is the same as " XXXX XXXX XXXX '' without matching full name, address, or SSN documentation which they do not have. This is a clear violation of FCRA 607 ( b ). 

Despite submitting multiple identity verification documents, the CRAs continue to associate this public record and its related accounts with me inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report contains a XXXX XXXX bankruptcy public record and multiple Included in Bankruptcy ( XXXX  ) accounts that are being incorrectly associated with me due to a name mismatch. The bankruptcy, Case # XXXX, was filed under XXXX XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX, and all of my legal ID, address, and banking documents reflect that full legal name. The CRAs have no legal basis to assume " XXXX XXXX XXXX '' is the same as " XXXX XXXX XXXX '' without matching full name, address, or SSN documentation which they do not have. This is a clear violation of FCRA 607 ( b ). 

Despite submitting multiple identity verification documents, the CRAs continue to associate this public record and its related accounts with me inaccurately.

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 2025-08-03 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-08-03 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: TX

Complaint narrative:
Hello CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I am reporting an illegal foreclosure and eviction that I believe was used to retaliate against me after I filed lawsuits exposing government corruption. XXXX XXXX XXXX XXXX lawsuit After being wrongfully arrested and detained for over a year with no evidence in XXXX, I returned home to find my house occupied by squatters, my property looted, and the home in foreclosure XX/XX/XXXX. I contact Wells Fargo immediately to make sure is was not foreclosure or nothing and they say no. I asked if they will offer forebarence the agents said yes XXXX later in XX/XX/XXXX I receive messages from foreclosure saying to pay XXXX or i will be foreclousre in my house. I explain wells fargo my inconvinience and I told them to either give me forberance modify the loan or accept XXXX and I pay the XXXX later They denied, discriminate against me and proceed. 

I call over XXXX times to see if other agent will pick my case, but nobody could do anything On XX/XX/XXXX i was force to file a federal lawsuit looking to stop the foreclosure. In XX/XX/XXXX the federal magistrate speak about the foreclosure to be stop and the bank wells fargo said that they were no planning to foreclose me. It is recorded on XX/XX/XXXX by attorneys On XX/XX/XXXX i was kidnapp by the police with XXXX evidence On XX/XX/XXXX in an eviction proceeding which seems alter say i was serve witth eviction paperwork On XX/XX/XXXX, while I was illegaly incarcerated, I was forcefully evicted without proper legal notice. All of my belongings including cars, clothing, documents, furniture, and valuables were taken, stolen or destroyed. 

The foreclosure occurred over a disputed {$25000.00} payment, yet the property was worth over {$1.00} XXXX. I was actively litigating the matter in court and had already filed a lawsuit ( XXXX XXXX XXXXXXXX ) to stop the sale. Despite this, I was removed and everything was taken from me. 

I am requesting an immediate investigation into the unlawful foreclosure and eviction, as well as possible violations of housing rights and abuse of power by local officials and financial institutions. I have documentation available upon request.

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