vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Continental Currency Services, Inc.
State: CA

Complaint narrative:
I need to detail a deeply concerning and unprofessional experience I had recently at Continental Currency Services, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The staff 's rude demeanor and behavior made me feel like a scumbag, utterly unworthy of basic human decency. 
On my first visit, XX/XX/XXXX at approximately XXXXXXXX XXXX, I presented a check for {$5500.00}. After validation, the cashier immediately started making personal phone calls on her personal cell phone, then disappeared from sight. Upon her return, she ignored me and began interrogating me about why I had so many checks from XXXX XXXX XXXXXXXX, asking why it wasn't just one lump sum. I tried to explain that these were compensation checks from my XXXX account for them withholding my funds and not allowing me access to them. She then pressed further, asking how many XXXX accounts I had, as if implying I had more than one. I explained I only had one, but her questioning made me feel like a criminal. She appeared to be stalling for time by focusing on other tasks before finally telling me the check would be on a 10-day hold. I was then asked to sign a document, which I believed was an acknowledgment of this hold. However, I later discovered I had actually signed for a partial check payment of {$0.00}, which was inexplicably put on hold. This felt like a clear act of deception, as I was misled about what I was signing. 
On my second visit, today, XX/XX/year>, at approximately XXXX XXXX seeking clarification, the initial cashier falsely claimed the bank, not her, had requested the hold, even though I knew the bank had already validated my check. She then abruptly walked away. A coworker, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), then stepped in. Her demeanor was extremely rude. She grabbed the signed document from me, highlighted " 7 to 10 days, '' and then pressed it against the window, curtly stating, " 7 to 10 days, come back on the XXXX, '' before throwing the paper back at me and walking away. 
Throughout this interaction, I tried to present documents validating my multiple checks, but XXXX XXXX refused to even look at them. She also refused to provide a verbal or written reason for the hold, though she did provide her name, ID, and a phone number. 
This experience involved being accused of fraud, deception about signed documents, unprofessional conduct, deliberate stalling, extreme rudeness, refusal to review evidence, and a complete lack of transparency. The overall treatment was incredibly demeaning.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: WI

Complaint narrative:
On the date of XX/XX/year> I attempted to send a mobile payment to my Landlord via Chime pay anyone as I do every month. Yesterday when I sent a partial rent payment to my landlord I put in the information as I always do. My landlord reached out to me and said he didnt receive it. I checked my account and realized after entering landlords information and sending it says it went to someone else I have no clue who it is. ( Another chime member ) I then immediately contacted chime and they first said I wouldnt be able to get it back. I then put pressure and stressed how much I needed this money to be reversed as they can see I send pay anyone every month ONLY to my landlord consistently. I received an email back within 24hours and they just told me I cant get it returned and nothing happened and the case is closed. Now I am on the verge of being evicted because I have no money. This was not a mistake on my end. I put it all the correct information and it somehow got sent to a random person? I have a child and I just dont have that amount of money to just throw away!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
While reviewing my credit report today, which I do regularly, I noticed some unexpected discrepancies. I tried refreshing the page thinking it might be a technical glitch, but the inaccurate accounts remained. Because of this, Im requesting that the documents Ive submitted be carefully reviewed so I can finally stop stressing about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Complaint Against Chase Bank for Excessive and Unlawful Overdraft Fees Complainant : XXXX XXXX XXXX Financial Institution : Chase Bank ( JPMorgan Chase & Co. ) Complaint Summary : I am filing this complaint to report repeated, excessive, and unlawful overdraft fees charged to my account by Chase Bank, even when there were sufficient funds available to cover the transactions in question. Despite my account reflecting an available balance at the time of various purchases or debits, Chase has routinely assessed a {$34.00} overdraft fee. These fees are not only unjustified but appear to be part of a systematic practice to profit from customers through deceptive and unfair banking practices.

Details of the Issue : On multiple occasions, Chase Bank has charged my account a {$34.00} overdraft fee when no actual overdraft occurred. These fees are being applied even though available funds were present and transactions should have cleared without any penalty. This pattern of behavior strongly suggests that Chase is manipulating transaction processing or using deceptive accounting practices to generate fees illegitimately. Chases conduct constitutes an illegal overcharge. 

There is no lawful justification for collecting these overdraft fees when money is clearly available in the account at the time of the transaction. This behavior is exploitative and amounts to financial abuse of consumers, particularly those with limited income or resources who can least afford it. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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:
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 XXXX XXXX XXXX Balance : {$1600.00}, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

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 XXXX XXXX XXXX Balance : {$1600.00}, 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

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a series of unauthorized soft inquiries and promotional inquiries that currently appear on my consumer credit report. These inquiries were not authorized by me, nor do they serve any valid purpose under the Fair Credit Reporting Act ( FCRA ) .I hereby demand the immediate deletion of these inquiries unless you can provide, in writing, documented evidence showing that each of these companies had a valid and legal permissible purpose under the FCRA.FCRA Legal Basis : Under the FCRA , 15 U.S.C XXXX XXXX ( a ), a consumer reporting agency may only furnish consumer report information for specific permissible purposes, such as : - A transaction initiated by the consumer - Employment purposes ( with the consumer 's written consent ) - Pre-screened firm offers of credit or insurance ( * Note : I have opted out of all pre-screened offers under the FCRA opt-out provision, so this does not apply to me. * ) Additionally : - 15 U.S.C. XXXX ( f ) strictly prohibits any person or entity from obtaining a consumer report without a permissible purpose.- 15 U.S.C. XXXX ( a ) requires consumer reporting agencies to maintain reasonable procedures to assure that inquiries are made only for permissible purposes.List of Disputed Inquiries Is included in another document enclosedWhat I Am Requesting : Under 15 U.S.C. XXXXi, you are required to investigate all disputed information. I am requesting:XXXX. Immediate removal of these inquiries from my credit file unless you provide written proof of a valid permissible purpose for each one.XXXX. A written response with the results of your investigation within XXXX days, as required by the FCRA.Failure to comply may result in legal action under : - 15 U.S.C. XXXXn Willful noncompliance ( statutory and punitive damages, plus legal fees ) - 15 U.S.C. XXXXo Negligent noncompliance ( actual damages, plus legal fees )

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 2025-07-18 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: DC

Complaint narrative:
Your Dispute Results are ready. 

Today The results of the processing of your dispute ( XXXX ) are now available. 

Report Number : XXXX Date Ready : XX/XX/year> Source : Experian XXXXXXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate which is not true and I can provide proof.

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 2025-07-18 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:
I have filled several disputes and I dont believe a proper investigation was done correctly even after I explained Im a victim of Fraud due to the recent data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
I have filled several disputes and I dont believe a proper investigation was done correctly even after I explained Im a victim of Fraud due to the recent data breach

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-18 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
u still have the face to show it on my credit report ur added to the list thanks to ur false reports I dont have money this is ridiculous im getting a lawyer cuz its u guys closed account that is causing all this commotion

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 2025-07-18 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
A collection agency, Diversified Adjustments, reported a XXXX debt to my XXXX  ( and XXXX  ) credit reports on or around XX/XX/year>. However, I was never contacted by Diversified Adjustments in any form no phone call, no email, and no written notice was ever sent to me, either before or after this reporting. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( a ), debt collectors must send a written notice within 5 days of first contact, especially before or shortly after reporting a debt to credit bureaus. That did not happen in this case. They also failed to list the DOFD on my Equifax report.

This situation contains multiple violations of both FDCPA and the Fair Credit Reporting Act ( FCRA ) : Failure to send required written notice Reporting unverifiable and incomplete information Failing to disclose the original DOFD Attempting to collect or report time-barred debt without disclosure I am requesting the CFPBs assistance to have this item removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account 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 DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/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} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Open Dealer Exchange, LLC
State: NV

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my Experian credit report that I did not authorize and believe to be the result of identity theft stemming from a data breach. 
Please remove the following unauthorized hard inquiries from my credit file immediately : 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/year> Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes of unauthorized inquiries. Since I did not authorize these credit checks, and they were not related to any credit I sought or approved, they should be removed from my file promptly. 
Please consider this a formal identity theft-related dispute. I request written confirmation that these inquiries have been removed. If further information or documentation is needed, please let me know immediately. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief