vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, I contacted Chase Bank at approximately XXXX XXXX regarding three overdraft fees of {$34.00} each ( {$100.00} total ) that were charged to my account. I explained to the first representative that these fees were incorrect, because I had transferred {$380.00} from my savings account on XX/XX/XXXX at approximately XXXXXXXX XXXX  less than XXXX hours after the transactions in question occurred on XX/XX/XXXX. According to Chases own overdraft policy, if an account is overdrawn by more than {$50.00}, the customer has until the next business day at XXXX to bring the account positive before being charged overdraft fees. I followed that policy. The representative refused to reverse the fees, so I requested a supervisor. When speaking with the supervisor, I reviewed the three transactions that were overdrafted : One XXXX transaction Two XXXX  transactions ( All posted on XX/XX/XXXX, around XXXXXXXX XXXX per the supervisor ) Again, I explained that I transferred {$380.00} from my savings account on XX/XX/XXXX at approximately XXXXXXXX XXXX, to cover those transactions well before XXXX hours had passed, and clearly within the one-business-day window Chase references in its own policy. The supervisor acknowledged the timing but said that because another, unrelated transaction posted the following day, it caused the account to become overdrawn again and therefore, the original overdraft was never truly cleared, justifying the three fees. I made it clear that this logic is flawed and abusive. A new transaction from a different day should not retroactively justify overdraft fees for older transactions that were already covered in time. This feels like manipulation of transaction timing to trap customers in fees even when they act responsibly. The supervisor then said she could not issue a refund because I had already been granted overdraft refunds earlier in the year. I responded that this was unacceptable. I acted in good faith, transferred money promptly, and Chase is now exploiting technicalities to steal from me. I told her plainly that Chase had two choices : 1. Refund the unfair fees OR 2. I would close my account, file a CFPB complaint, move to another bank, and take further action. I have been a Chase customer for years, and I feel completely disrespected. This is unethical and predatory behavior. I am requesting that the CFPB assist me in recovering the {$100.00} in unfair overdraft fees that Chase refuses to return, despite me following their policy. Before I have to take actions into my own hands thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> True Accord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Acct # XXXX Request for Debt Validation Dear True Accord, I am writing in response to a collection on my credit report about an alleged debt. I am requesting that you provide full validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The original amount of the debt and an itemized breakdown of any interest, fees, or other charges.

3. A copy of the original contract or agreement bearing my signature ( if applicable ).

4. Proof that you are legally authorized to collect debts in Tennessee.

5. A copy of any judgment ( if applicable ).

Until this debt has been validated, please cease all collection activities, including reporting this account to any credit reporting agencies. If you have already reported it, please inform the credit bureaus that the debt is currently in dispute. 
This letter is not a refusal to pay, but a request for validation. Please respond within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I disputed with Experian, Equifax and Transunion several accounts. I disputed student loans that appear in my name when I didnt attend college during the time frame or dates listed that the loans were opened. I asked them to contact the school and verify information. It couldnt have been done since the loans are still on my report. There are 2 credit cards listed XXXX and XXXX. I have neither one of these accounts and have called and disputed directly with the credit bureaus and cards companies and to this day still no resolution. I have put a fraud guard on my reports and to help with trying to keep my identity safe since the credit agencies dont help. The only thing Transunion, Exquifax and Experian did was make a note on my report that I disputed the accounts and they noted verified.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-19 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: IL

Complaint narrative:
b'I sent a certified letter to Transunion on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX   . The letter was delivered to XXXX  in XXXX,PA on XXXX at XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. XXXX  ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. 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

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Consumer Complaint Statement Bank of America Credit Card Dispute I am filing a complaint against Bank of America regarding an unfair and misleading handling of a credit card dispute. 

On XXXX XX/XX/year>, I purchased a mini split air conditioning unit from XXXX using my Bank of America credit card XXXX Upon delivery, I hired a licensed XXXX technician to install the unit. During installation, the technician discovered the unit was defective and leaking Freon, making it unusable. 

I immediately contacted Bank of Americas customer service to initiate a charge dispute. However, the representative advised me not to open a dispute right away, but instead try to resolve the issue directly with the seller. I followed this instruction in good faith and reached out to the seller to request a return, refund, or replacement. Unfortunately, the seller was uncooperative and unwilling to resolve the issue. 

When I contacted Bank of America again to proceed with the dispute, I was informed that I was no longer eligible to open a dispute because more than 60 days had passed since the transaction. I explained that I had followed their representatives advice to delay the dispute while attempting resolution with the seller, but they refused to assist further. 

I believe this is a deceptive practice. By advising me to delay the dispute and then denying me based on their 60-day policy, Bank of America effectively denied my consumer protection rights. I was misled into forfeiting my right to dispute a charge for a defective product.

I am requesting the CFPB investigate this matter and hold Bank of America accountable. I am also requesting that Bank of America reopen my dispute and provide a chargeback for the defective product, which I was unable to use due to a manufacturer defect. 

Thank you for your 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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
I used XXXX XXXX  and they delayed a transaction and said my bank is the reason why I havent received it yet in a 24 hr period. Chime however does not observe the weekends and works even on the weekends so either XXXX did not send it or Chime stole it or XXXX stole it and is blaming it on Chime. One of them stole the deposit so we are reporting Chime who does not hold deposits over the weekend and XXXX XXXX who may have failed to send it intentionally and is blaming Chime. I need help investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am requesting that Experian remove outdated and incorrect addresses from my credit report. The following addresses are no longer associated with me and are inaccurately listed on my credit file : XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX All of my current and open credit accounts have been updated to reflect my correct and only address, which is : XXXX Tall XXXX XXXX XXXX XXXX, TX XXXX Despite submitting disputes directly to Experian, these outdated addresses remain on my report. I am requesting the CFPBs assistance in having Experian update my file to accurately reflect my current address and remove the outdated ones, which are no longer relevant or valid. 

Thank you for your help in resolving 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 explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
formal dispute under 15 U.S.C. 1681i and 1681s-2 ( b ) regarding inaccurate late payment ( s ) reported on my credit file. Under the Fair Credit Reporting Act and UCC 3-501, I am conditionally accepting your claim of delinquency upon proof.

Please provide the following : The original signed contract with my wet-ink signature, Full payment history including alleged delinquency dates and timestamps, The permissible purpose under 1681b for furnishing this data, A sworn statement affirming the accuracy of your reporting.

Failure to validate the late payment ( s ) within 30 days will require immediate removal from all consumer reporting agencies per federal law. Reporting unverifiable or inaccurate data is a direct violation of the FCRA and may also constitute willful misrepresentation under the FDCPA.

this was not corrected or redressed so now i am moving forward with complaints with the FTC, and consider civil action under 15 U.S.C. 1681n/o and 1692k.

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 2025-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
formal dispute under 15 U.S.C. 1681i and 1681s-2 ( b ) regarding inaccurate late payment ( s ) reported on my credit file. Under the Fair Credit Reporting Act and UCC 3-501, I am conditionally accepting your claim of delinquency upon proof.

Please provide the following : The original signed contract with my wet-ink signature, Full payment history including alleged delinquency dates and timestamps, The permissible purpose under 1681b for furnishing this data, A sworn statement affirming the accuracy of your reporting.

Failure to validate the late payment ( s ) within 30 days will require immediate removal from all consumer reporting agencies per federal law. Reporting unverifiable or inaccurate data is a direct violation of the FCRA and may also constitute willful misrepresentation under the FDCPA.

this was not corrected or redressed so now i am moving forward with complaints with the FTC, and consider civil action under 15 U.S.C. 1681n/o and 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Dear TransUnion I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these account to credit bureaus Equifax, Experian and TransUnion. To support this request, I have included the following documents : 1. A copy of my government-issued ID. 2. An Identity Theft Report from the FTC. 3. Proof of address Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. Thank you for your attention to this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$3200.00} per our agreement, which clearly stated that once paid, XXXX would report the account as Account Paid in Full for Less than Full Balance. 



However, this account is being reported as a charge-off, which contradicts the written settlement terms. 



Please correct this with all credit reporting agencies within 15 days. I have attached a copy of your agreement and my payment confirmation. 



If this is not corrected, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) and seek legal counsel if necessary. 



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 2025-07-19 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: IL

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$3200.00} per our agreement, which clearly stated that once paid, XXXX would report the account as Account Paid in Full for Less than Full Balance. 



However, this account is being reported as a charge-off, which contradicts the written settlement terms. 



Please correct this with all credit reporting agencies within 15 days. I have attached a copy of your agreement and my payment confirmation. 



If this is not corrected, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX and seek legal counsel if necessary. 



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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
I had an alleged debt to XXXX XXXX for XXXX XXXX internet services for my privately held XXXX  ( not my personal credit profile ). A firm calling themselves " Credit Collections '' posted a debt to my personal credit profile for this alleged business debt. When transferring between providers ( service downgrade due to lack of use ), XXXX XXXX charged a {$500.00} early cancellation fee. 

Further, since I was closing the account, XXXX XXXX immediately referred the account to collections. The {$500.00} cancellation fee was marked as a " late charge '' but it never had reached 30 days past due, it was marked " late '' on the day the account was closed. 

I paid off the balance to XXXX XXXX within XXXX hours, and they said my account was paid, however then I received threatening contact from " CREDIT COLLECTIONS '' ( who I can only assume paid XXXX for my alleged debt ), demanding the balance be paid. 

I asked them to verify the debt, and they said there was no debt, {$0.00} balance, and then put it on my credit report. 

It has now had a negative impact on my credit history for this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
recently reviewed a copy of my credit report and notice had fraudulent accounts on my report please remove these accounts from my report they are hunting my abilityto obtain credit thank you

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation