vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: MD

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 2025-04-12 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding my recent experience with Chase Bank, which I have been a loyal customer of for the past 10 years. 

Over the last XXXX months, my account incurred multiple overdraft fees due to an unexpected delay in receiving my paycheck. This was a temporary and unusual situation, and I did my best to address it immediately once I became aware of the issue. Despite this, I was charged overdraft fees totaling nearly $ XXXXincluding multiple {$34.00} chargeseven though I explained the circumstances and requested assistance. 

I contacted customer service several times to explain my situation, emphasizing my history as a long-time, responsible customer. Each time, I was told the system rejected my refund request due to reaching a limit. I then spoke with a supervisor, who repeated the same information without offering any further help or reviewing my account in a meaningful way. 

This response is extremely disappointing and does not reflect the level of customer care I expect from a financial institution Ive trusted for over a decade. The lack of empathy and unwillingness to make any accommodation, despite my clear explanation and financial hardship, has caused me significant stress and financial difficulty. 

I am requesting a full review of my account and a refund of these overdraft fees. I believe this request is fair given my long-standing relationship with Chase and the unusual nature of this situation. 

If this matter is not resolved, I will consider escalating the issue through other channels, including the Consumer Financial Protection Bureau ( CFPB ) and other relevant consumer advocacy organizations. 

I appreciate your immediate attention to this matter and hope to see it resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: AL

Complaint narrative:
On XX/XX/2025 I talked with XXXX and Guild mortgage reference inaccurately reporting missed mortgage payments that were paid on time. For all months being reported on my credit reports. Request letter address the fraud on my account which all payments were made on time with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: OH

Complaint narrative:
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> Reporting to Equifax I would like this deleted off all my credit reports in 30 days under 15 USC 16 92G Send me a detailed list of the history of payments made by me on this account. 
I want to see the signature that I put down on the contract guaranteeing that I would pay this creditor. im asking to see has there been any insurance filed or claim on behalf of this debt?. I want proof that you have the chain of title to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: OH

Complaint narrative:
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> Reporting to XXXX I would like this deleted off all my credit reports in 30 days under 15 USC 16 92G Send me a detailed list of the history of payments made by me on this account.

I want to see the signature that I put down on the contract guaranteeing that I would pay this creditor. im asking to see has there been any insurance filed or claim on behalf of this debt?. I want proof that you have the chain of title to collect on this debt.

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 2025-04-12 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: OH

Complaint narrative:
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> Reporting to XXXX I would like this deleted off all my credit reports in 30 days under 15 USC 16 92G Send me a detailed list of the history of payments made by me on this account. 
I want to see the signature that I put down on the contract guaranteeing that I would pay this creditor. im asking to see has there been any insurance filed or claim on behalf of this debt?. I want proof that you have the chain of title to collect on this debt.

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 2025-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint due to a suspected privacy violation involving my federal student loan records and personal financial information. On XX/XX/year>, I submitted a formal complaint to MOHELA, stating that my FERPA-protected educational records, FAFSA financial data , and IRS tax transcript were accessed or shared without my consent. 

MOHELA responded, but failed to acknowledge or investigate the potential unauthorized access. The U.S. Department of Educations Office of Federal Student Aid reiterated the limitations of their discharge process but did not address the core privacy and data integrity issues. 

I believe this constitutes a serious breach of federal privacy laws and seek the CFPBs assistance in holding the responsible parties accountable. I have prepared a detailed report with supporting information, which I am happy to upload or provide via email upon request. 

Thank you for your support in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
[ Account Number : XXXX ] To Whom It May Concern ; I am writing to formally express my deep concern and frustration regarding the abrupt and unjustified closure of both my personal and business accounts, and to demand an immediate internal investigation into what I believe to be a deceptive and unfair banking practice. 

On XXXX XXXX XXXX at XXXXXXXX XXXX, I received an email from XXXX stating that Your account has exceeded the overdraft threshold. This statement is categorically falsethere was no overdraft, my accounts were not in negative standing, and no such threshold was ever reached. At the time this message was sent, I was asleep, and no transactions or actions had been taken from my side. 

What followed was a deeply frustrating experience : I contacted customer service, visited three different TD Bank branches, and spoke to multiple representatives in various departments, including fraudyet no one could provide any explanation for the closures. I was repeatedly told that both an initial and secondary review were conducted on the same day, and that a decision was made to terminate my accounts immediately thereafter. No notice. No explanation. No opportunity to respond. 

To clarify : - I have never overdrafted, nor have I maintained a negative balance. 
- I have not violated any TD Bank policies. 
- There has been no suspicious activity on either of my accounts. 
- My only recent transaction of note was a legitimate {$10000.00} check deposit from XXXX XXXX into my business account. 

Despite these facts, my access to both accounts was cut offwithout a shred of transparency or just cause. Not only is this a gross failure in customer service, but it also appears to reflect a deceptive and unfair business practice under federal consumer protection laws. 

I am formally requesting : - A full internal investigation into the decision to close my accounts. 
- A detailed written explanation for the closures, including any allegations or policy violations TD Bank claims were involved. 
- An immediate reversal of the account closures, or a formal written denial including the rationale, regulatory basis, and responsible decision-makers. 

I trusted TD Bank with my personal and business finances. This decisionexecuted without explanation, recourse, or accountabilityhas not only caused me material inconvenience, but also calls into question the integrity of TD Banks operations and internal controls. 

Please consider this an official complaint and a request for urgent executive review. I expect a timely response and resolution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
The reporting agencies have reported my credit profile improperly and have made a financial hindrance to my family stopping me from extending my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter serves as formal notification that XXXX is reporting false, unverified, and unauthorized data against a private trust estate. I am not the debtor. No verified obligation exists. You are instructed to remove the item or produce the contract, ledger, and lawful authority within XXXX business days. Failure to comply constitutes willful noncompliance under FCRA 623 and opens all parties to liability under Title 15 and Title 42.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This letter serves as formal notification that XXXX is reporting false, unverified, and unauthorized data against a private trust estate. I am not the debtor. No verified obligation exists. You are instructed to remove the item or produce the contract, ledger, and lawful authority within XXXX business days. Failure to comply constitutes willful noncompliance under FCRA 623 and opens all parties to liability under Title 15 and Title 42.

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 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am requesting the immediate and permanent removal of this account from my credit report. The company has failed to provide valid documentation, including a signed agreement or any proof that I am contractually responsible for this debt. 

This account was previously disputed, closed, and marked as resolved multiple times, yet it was suddenly reopened on XXXX XXXX XXXX, with no legitimate reason, no consumer notification, and no new supporting documentation which resulted in a XXXX drop in my credit score and has caused unnecessary financial harm. 

Under the FCRA ( Fair Credit Reporting Act ) and FDCPA ( Fair Debt Collection Practices Act ), it is a legal requirement to validate any account prior to reporting it. Reopening a closed, disputed account without proof is a clear violation of these laws and my consumer rights. 

I am requesting that this account be deleted entirely from all credit reports across all bureaus and that NCB Management Services cease all further collection attempts immediately. Anything less would be enabling continued unlawful reporting and damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
After completing a FHA cov19 relief plan in XXXX, a modification was done where the 3 forbearance payments and some escrow was added to the back of the loan as a second mortgage. On XX/XX/XXXX PHH reported negatively to credit burearu on the modification. Since this was a proactive modifications and no missed payments under loss mitigation program, the lenders credit reporting policy is to report as Current, PAID AS AGREED. Also there have been repeated calls to PHH for title fees that PHH is requesting the homeowner to pay for XXXX dollars. Since this was federal relief program those title fees should be covered by the lender or waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
As stated previously, I am a XXXX XXXX citizen. Accounts ( personal, business, savings ) were opened for me at a US Bank branch only after an employee obtained explicit supervisor approval, fully aware of my age and citizenship. I opened the personal checking at another branch without problems at all, not even a word about the age problem. 

On XX/XX/year>, the same employee who obtained this approval called, demanding I add my mother as a joint owner to a personal account within approximately 3 business days, or it would be closed. Options for the business account were supposedly to be reviewed separately. That same day ( XX/XX/XXXX ), I responded via email, stating I would not comply with the demand, citing the bank 's prior explicit approval of the accounts under my name. I also requested the matter be escalated to the supervisor. 

Despite my response and before the deadline had passed, the bank proceeded to close all three of my accounts later on XX/XX/year>. I discovered this during a previously scheduled appointment at a different branch on XX/XX/XXXX. I sent a follow-up email on XX/XX/XXXX expressing my dismay at the closure happening without notification or supervisor response. 

On XX/XX/year>, I received official closure letters dated XX/XX/XXXX via certified mail. These letters offer no specific reason for the closure, simply stating it's " In accordance with U.S. Bank 's Your Deposit Account Agreement & General Terms and Conditions ''. While the agreement does state the bank can close accounts " for any reason or for no reason at all '' and provide notice after closure, this contractual term does not excuse the contradictory actions, the failure to adhere to the given deadline after I responded, and the lack of specific justification in light of the explicit prior approval. 

The entire process approving the accounts knowing my status, reversing course based on that same status, setting a deadline then ignoring it after I engaged, closing all accounts prematurely and silently, and providing only a boilerplate non-explanation constitutes an unfair and potentially deceptive practice. I believe these actions may be discriminatory based on my age and/or national origin.

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 2025-04-12 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: GA

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX Ombudsman team responding to questions I raised about my federal student loans, including servicer transfers, interest capitalization, and progress toward Public Service Loan Forgiveness ( PSLF ). However, the letter contained serious discrepancies, including a graduation date of XX/XX/XXXX, which is clearly inaccurate. The letter also referenced interest capitalization occurring in XX/XX/XXXX, making the XXXX graduation date impossible. 

This inaccurate timeline raises major concerns about the validity of how my loans have been reported and serviced. I believe this may have led to improper capitalization of interest and potentially incorrect information being furnished to the credit reporting agencies. On top of that, these high balances are damaging to my credit file considering Im still in school, qualify for forgiveness and my repayment is {$5.00} a month. None of this has been updated. 

These accounts are being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i Failure to properly investigate disputed information

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 2025-04-12 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: GA

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX Ombudsman team responding to questions I raised about my federal student loans, including servicer transfers, interest capitalization, and progress toward Public Service Loan Forgiveness ( PSLF ). However, the letter contained serious discrepancies, including a graduation date of XX/XX/XXXX, which is clearly inaccurate. The letter also referenced interest capitalization occurring in XX/XX/XXXX, making the XXXX graduation date impossible. 

This inaccurate timeline raises major concerns about the validity of how my loans have been reported and serviced. I believe this may have led to improper capitalization of interest and potentially incorrect information being furnished to the credit reporting agencies. On top of that, these high balances are damaging to my credit file considering Im still in school, qualify for forgiveness and my repayment is {$5.00} a month. None of this has been updated. 

These accounts are being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i Failure to properly investigate disputed information

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 2025-04-12 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:
In XX/XX/XXXX, I received a letter from XXXX Ombudsman team responding to questions I raised about my federal student loans, including servicer transfers, interest capitalization, and progress toward Public Service Loan Forgiveness ( PSLF ). However, the letter contained serious discrepancies, including a graduation date of XX/XX/XXXX, which is clearly inaccurate. The letter also referenced interest capitalization occurring in XX/XX/XXXX, making the XXXX graduation date impossible. 

This inaccurate timeline raises major concerns about the validity of how my loans have been reported and serviced. I believe this may have led to improper capitalization of interest and potentially incorrect information being furnished to the credit reporting agencies. On top of that, these high balances are damaging to my credit file considering Im still in school, qualify for forgiveness and my repayment is {$5.00} a month. None of this has been updated. 

These accounts are being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i Failure to properly investigate disputed information

Company response to consumer: Closed with non-monetary relief