vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
So last Friday XX/XX/XXXX I had over drafted and chase policy says I have XXXX hours to fix the overdraft under XXXX bucks. I wake up Saturday morning to an overdraft fee, but never got the proper time to do so. 
Also the transactions they have on my bank is false. Like I was XXXX, put XXXX inside the account, which made me XXXX. But on my time stamps for the money it says completely diffent which is false and I feel like they did that to charge me another overdraft fee. It is wild the way they have been preying on me. I called them up after this and they said ohh sorrry we cant do nothing. I explained how I didnt have fair time to put money back and the overdrafts i cant afford as I am struggling financially. They also claim they can only do XXXX refunds a year but on the internet its a case to case basis. And no matter who I speak to they are rude and nasty about not helping me get my refund back. This a XXXX dollar company preying on a dude who barely has XXXX bucks after he gets paid due to bills and now overdrafts fees. I have been hit with overdraft fees all year and they wont help me get them back. These are bills sometimes I cant afford and need help for a couple days going negative before I get paid. And all they do is penalize me for it. 

Now today XX/XX/year> I wake up to another overdraft fee because I went XXXX cents over the limit of XXXX dollars. I seriously got hit with a XXXX overdraft fee for XXXX cents? Im poor and cant even afford another overdraft on top of the XXXX they hit me with already!!!! You think theyd let the XXXX cents slide! I feel like they are bullying me out of money at this point. Feel like a broken man cuz Im so backed up in bills and chase just keeps piling me in debt worse then I need to be. If they cared about their customers I would be better off. I feel like they cant wait to overdraft me meanwhile I seriously have nothing. I can barely buy food each week. I have been dealing with the issue because its my fault at the end of the day for overacting but XXXX I didnt think my bank would abuse me for being poor. 

Please help me beauxse I feel like chase is lieing about the amounts in my account so they can overdraft me quicker and for more money. Like if I have XXXX bucks today, tomorrow after the transactions it will say I had XXXX when I really had XXXX at that time.,, so it seems like they are trying to change the numbers to seem like I overstated quicker then I did, and its hard to prove cuz once they post it I cant show u what Im explaining here^ cuz they change the numbers. Its wild tbh

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2025-07-30 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:
b'I sent a certified letter to Experian on XXXX via XXXX  mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX. The letter was delivered to Experian in ALLEN,TX on XXXX at XXXX XXXX  The letter stated they needed to promptly investigate the account and correct it or delete it. Experian 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  balance $XXXX  and account number XXXX\n2. XXXX   balance $XXXX  and account number  XXXX\n3. XXXX   balance $XXXX  and account number XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by a credit reporting agency and its data furnishers. 
What Happened : On XX/XX/XXXX, I submitted formal written disputes to three credit bureaus concerning the following issues : 1. Unverified Collection Accounts that continue to report without proper validation : - A {$970.00} collection from XXXX XXXX assigned on XX/XX/XXXX, with first delinquency dated XX/XX/XXXX. 
- A {$190.00} collection from XXXX XXXX XXXX XXXX XXXX assigned on XX/XX/XXXX. 
- A {$1700.00} collection from XXXX  XXXX XXXX XXXX assigned on XX/XX/XXXX. 
2. An XXXX XXXX XXXX XXXX by XXXX for {$17000.00} ( original amount {$30000.00} ). 
- The account was charged off in XX/XX/XXXX and contains multiple inconsistencies and overlapping delinquency data reported from XXXX through XXXX. 
3. An Unauthorized Authorized User Credit Card from XXXX XXXX XXXX, reporting a {$7100.00} balance as of XX/XX/XXXX. 
- I did not open this account, have not communicated with the account holder for years, and did not authorize the continued reporting of this tradeline. 
XXXX. Multiple Hard Inquiries between XX/XX/XXXX and XX/XX/XXXX that were either : - Not authorized by me- Or reflect excessive inquiry activity in a short period Examples include : - 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 - Several auto loan inquiries between XXXX and XX/XX/XXXX What I Did : - On XX/XX/XXXX, I sent certified dispute letters to all three bureaus ( Equifax, Experian, TransUnion ), requesting validation and removal of inaccurate, unauthorized, or unverifiable items. 
- I have included tracking information and letters to support my claims. 
- As of today, no documentation has been provided, and the disputed items remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-30 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
Several accounts are being inaccurately reported on my credit file despite prior disputes and multiple attempts to resolve these issues. Specifically, certain tradelines are simultaneously showing both positive and negative statuses, which is contradictory and violates the legal requirement for accuracy under the Fair Credit Reporting Act. Some accounts continue to reflect derogatory information without any proper documentation, charge-off notices, or signed contracts to support their validity. For example, a credit card account from XX/XX/XXXX remains marked as delinquent even though no evidence of default has been provided. Additionally, a medical-related account is being reported without HIPAA-compliant documentation XXXX itemized billing. There are also inquiries from various auto dealers and credit unions between XX/XX/XXXX, and XX/XX/XXXX, that were never authorized. Despite submitting disputes, the credit bureaus and furnishers have failed to provide sufficient validation, and as of the most recent credit report dated XX/XX/XXXX, these accounts remain on file. The reporting of unverifiable and inconsistent information has negatively impacted my credit standing and must be corrected immediately.

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 2025-07-30 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:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-30 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified XXXX or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated. 
This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-30 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:
I am writing as a victim of identity theft resulting from the XXXX XXXX ( The XXXX XXXX ) data breach. Enclosed is my official FTC Identity Theft Report ( Report XXXX. XXXX ), which details the fraudulent use of my personal information. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my rights as a consumer and formally requesting that you immediately and permanently block all information on my credit file that is the result of this identity theft. Specifically, the following fraudulent account must be removed : Company : XXXX XXXX Fraudulent Account Number : XXXX Date Fraud Began : XX/XX/year> Total Fraudulent Amount : {$650.00}

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 2025-07-30 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: PA

Complaint narrative:
I am writing as a victim of identity theft resulting from the XXXX XXXX ( The XXXX XXXX ) data breach. Enclosed is my official FTC Identity Theft Report ( Report XXXX. XXXX ), which details the fraudulent use of my personal information. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my rights as a consumer and formally requesting that you immediately and permanently block all information on my credit file that is the result of this identity theft. Specifically, the following fraudulent account must be removed : Company : XXXX XXXX Fraudulent Account Number : XXXX Date Fraud Began : XX/XX/year> Total Fraudulent Amount : {$650.00}

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 2025-07-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-07-30 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:
Please revisit the reported late payment, as it doesn't align with my established history of on-time payments.

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 2025-07-30 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:
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 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 2025-07-30 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that appears on my credit report. Upon reviewing my records, I found no basis for this derogatory mark. I have always been diligent about meeting payment deadlines and maintain documentation to support my consistent payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX//2025 -- {$1200.00} XXXX  # XXXX XX/XX//2025 -- {$1300.00}

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 2025-07-30 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-07-30 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation