vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
As a XXXX XXXX XXXX  I am deeply frustrated and disheartened by the excessive and punitive overdraft fees recently charged to our account by JPMorgan Chase Bank. Seventeen overdraft charges, each in the amount of {$34.00}, were posted in rapid succession, totaling {$570.00}. These charges were assessed despite the minimal overdrawn amounts and the fact that the transactions occurred within a narrow timeframe.

This practice is not only excessiveit is exploitative. Chase 's overdraft policy, particularly as it applies to small business accounts, disproportionately harms those who are least equipped to absorb such financial blows. Small businesses like mine operate on razor-thin margins, and fees of this magnitude can severely disrupt our operations and cash flow.

Chase positions itself as a partner to XXXX XXXX yet this experience reflects the opposite. Rather than offering support or reasonable flexibilityespecially when we proactively sought assistance through customer service and at the branch levelwe were met with rigid adherence to an unfair policy. The refusal to consider the broader context and the total lack of empathy is disappointing.

Furthermore, such practices raise serious concerns about transparency and fairness under the bank 's terms of service and account agreement. There is no meaningful warning system or grace period in place to protect small business clients from cascading fees, nor is there an effective internal process for dispute resolution in cases where the bank 's own payment processing timing may have contributed to the overdrafts. 

This complaint is not just about the fees themselves, but about the systemic way in which major financial institutions are profiting off the vulnerability of the very small businesses they claim to serve. 

I am requesting that the CFPB review this matter and examine the broader pattern of overdraft fee policies that disproportionately burden small business account holders. I am also requesting that Chase be required to refund these charges in full.

YES, WE ARE STRUGGLING TO COVER OUR EXPENSES AS YOU CAN SEE FROM THE MANY INSUFFICIANT FUNDS- SO NOW WE HAVE TO COVER AN ADDITIONAL XXXX WHICH WE XXXX '' T HAVE????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a fraudulent text message stating that it was U.S. Bank and they detected an unauthorized user on my account. They asked if the transaction was authorized and I responded " no. '' I then received another text stating I would receive a call from U.S. Bank. I received a call from an individual pretending to be a U.S. Bank employee who asked for personal information in order to access my online banking account. They convinced me that in order to safely move funds to a new account since my online account had been compromised that funds would need to be moved through a Third Party application. They then guided me to the XXXX application and told me to add {$600.00} to my account to be transferred to my new account. This of course was a scam and the {$600.00} was transferred to the individual 's bank account. After the transfer occurred, they hung up the phone and blocked my number. I immediately called U.S. Bank knowing that I had just been a victim of fraud. While on the phone with U.S. Bank I was told that the {$600.00} transaction was stopped before it could go through so an investigation would not be needed. I also received a letter confirming this. I then started receiving letters from U.S. Bank stating my account had a negative balance of {$600.00}. It has now been over a month and I still can not access online banking because the people who scammed me accessed my online account, my old account is still open with a - {$600.00} balance, and my fraud claim was denied twice. I have called U.S. Bank multiple times and gone into two different U.S. Bank branches multiple times for assistance resolving this.

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 2025-06-09 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: FL

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B I filed the FTC Report to have these items removed and blocked and deleted off my credit report immediately. 
XXXX XXXX Account # XXXX Date:XXXX2019,

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 2025-06-09 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: FL

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B I filed the FTC Report to have these items removed and blocked and deleted off my credit report immediately. 
XXXX XXXX Account # XXXX Date:XXXX2019,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
Data Breach Victim - 2025 Request for Blocking and Deletion of Fraudulent Accounts under 15 U.S.C. 1681c2 I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and I am requesting the immediate removal and blocking of the following fraudulent accounts from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2.

The accounts listed below do not belong to me, were opened or used without my authorization, and are the result of fraudulent activity : 1. XXXX XXXX XXXX XXXX XXXX ( Auto Loan, {$23000.00} ) XXXX. XXXX XXXX XXXX ( Collection, {$2800.00} ) XXXX. XXXX XXXX ( XXXX, {$200.00} ) XXXX. XXXX XXXX XXXX ( Utility Collection, {$460.00} ) Under 15 U.S.C. 1681c2 ( a ), I request that these items be permanently blocked and removed from all of my credit reports. These entries are severely impacting my credit, and I trust your office will handle this with the urgency and care it requires.

Please find enclosed/attached any relevant documentation needed to support my request, including proof of identity and police report ( if applicable ). 
Kindly provide written confirmation once these items have been removed or if additional documentation is required. I appreciate your timely cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-06-09 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: KS

Complaint narrative:
I have a copy of my credit report in my hand, and I just went through it because my lender told me that I could get one for free. So I took a chance and got my credit report since I have not reviewed it in such a long time. O-sorry, let me get back to the point. I like to talk a lot some times. I was looking at my report and noticed a problem .. Let me tell you the problem. 
Creditor : XXXX XXXX Account : XXXX Reason : AutoPay malfunctioned in XXXX of 2024 due to computer complications Instruction : Please fix, correct or delete these problems, because they are really hurting my credit score. Im not that good at writing letters and I thought if I wrote your company, you guys would help me. I will be grateful if you can fix this issue for me. 
When can I expect a response to my inquiry and a resolution to this issue?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : 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 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 explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Tuesday, XX/XX/XXXX at XXXX I received a low balance alert on my account. I looked at my account and saw the following transactions to my account that I did not make : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$290.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$260.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$290.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$280.00} XX/XX/year> - USPS, XXXXXXXX XXXX - {$950.00} XX/XX/year> - XXXX XXXX XXXX - {$5.00} I called Chase at XXXX to report the fraud. They said an investigation would take place. 

I called Chase again at XXXX on XX/XX/year> to discuss the progress of the investigation and they said they are still in the process. 

I went to Chase Bank Branch at XXXX XXXX XXXX XXXX in XXXX, TX XXXX at XXXX on Saturday, XX/XX/XXXX to speak with a representative who told me that the transaction at XXXX for {$5.00} has been refunded. I made an appointment with a representative for Tuesday, XX/XX/XXXX. 

Today I received a letter from Chase saying that they matter has been resolved and that they found no evidence of fraud and would not be refunding the amounts in question. 

I can provide evidence that I was in XXXX, TX the days in question. It would be physically impossible for me to be in New York, Washington , DC, and four cities in California in the amount of time these transactions took place. 

I have contacted XXXX XXXX and there were no purchases made with my account. These purchases were made in-person at the XXXX XXXX. 

I am requesting a further investigation and I am requesting a full refund of the amounts in question totaling {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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:
My name is XXXX XXXX, and this is not a 3rd party filing this report. I have attached some documents to this complaint showing the Fraudulent inquiries an account thats being report in my credit report. Please remove it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$27000.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
I have looked at my credit report and notice a credit card account that don't belong to me. XXXX card ending in XXXX I never open up this credit card account. I have attached documents to have this account removed if it doesn't get removed i have also attached a copy of a previous lawsuit against a credit bureau that's already been served legal paper

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g 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 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
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I am filing a complaint against Kia Finance America for unreasonably delaying a refund of {$830.00} following the full payoff of my auto loan. 
My final payoff was received and confirmed by Kia Finance on XX/XX/scrub> 2025. Despite that, I was informed that it will take 15 days to process and another 7 to 10 days to mail the refund check, meaning I will likely wait over three weeks to receive funds that legally and ethically belong to me.

I specifically requested that Kia Finance issue the refund via electronic transfer ( ACH or direct deposit ) to avoid unnecessary mailing delays. They refused, providing no legitimate justification other than a vague statement that this is their policy and admitting that holding funds longer benefits them financially.

In an era of same-day electronic payment capabilities, this policy appears to be intentionally designed to delay refunds and retain consumer funds without justification. It is a clear abuse of financial leverage and contradicts fair consumer practices.

I am requesting that Kia Finance : Expedite the return of my {$830.00} refund Offer electronic refund options immediately Publicly clarify and update their refund processing policies to comply with modern standards and consumer expectations

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 2025-06-09 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: FL

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct 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