vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-17 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: PA

Complaint narrative:
I have a late payment entry on my credit report for the XXXX XXXX  loan accounts [ XXXX ]. The entry in question reflects a XXXX late payment for the month of [ XXXX ]. I believe this to be an error, as my previous month 's payment ( for [ Previous XXXX ] ) was reported as " current, '' .As of XX/XX/year>, I was fully up to date on my payments. It is unclear to me how the 90-day late status has been assigned to my account without the appropriate 30 or 60-day late statuses reflecting the same delay. A 90-day late payment is a significant issue and does not accurately reflect my payment history.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have a Business Checking Account with Citizens Bank ( ending in XXXX ). While I was out of the country, I could not deposit funds promptly. As a result, the bank repeatedly returned transactions and imposed excessive fees. Here is a breakdown of the recent charges : XX/XX/year> ( if applicable ) : [ Fee details if any ] XX/XX/year> : Overdraft Fee of {$35.00} XX/XX/year> : Service Charge of {$68.00} XX/XX/year> : Returned Item Fees totaling {$100.00} ( XXXX items at {$35.00} each ) XX/XX/year> : Returned Item Fee of {$35.00} XX/XX/year> : Returned Item Fee of {$35.00} XX/XX/year> : Returned Item Fee of {$35.00} XX/XX/year> : Returned Item Fees totaling {$100.00} ( XXXX items at {$35.00} each ) XX/XX/year> : Returned Item Fee of {$35.00} I have been calling Citizens Bank multiple times, explaining that I was abroad and requesting the removal of these fees or the closure of my account. Every time, the bank refused to help, saying I must pay all fees or be reported as having bad debt. This has become a patternsimilar incidents occurred in past yearsand it feels like the bank is exploiting my situation abroad. 

I have phone call recordings proving that Citizens Bank would not waive or reduce any fees, despite my efforts to settle this fairly. I believe these constant, repeated fees are unjust and excessive, especially for a customer who clearly communicated they were out of the country. I am seeking : 1. Full removal or refund of all recent fees, 2. The immediate closure of my account without further penalties, and 3. Assurance I will not be reported as bad debt. 

I ask the CFPB to intervene so Citizens Bank stops imposing these unfair charges and resolves this matter promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-17 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: NY

Complaint narrative:
I have received several credit inquiries over the past ( 2 ) two years some of which where not permitted or by my request. inquiries. That under no circumstances did I permit anyone to run hard credit searches on my credit to obtain anything I have received. I would only allow that type of search for a mortgage loan from my bank. Therefore, if any contract does exist between the venders and myself it was unconscionable. I believe this my very well be a result of one of the past data breeches. This problem has been ongoing and I am attempting to freeze my report. Please investigate my concerns and inform me as to how I should proceed.

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 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
EXPRESS RECOVERY SERVICES, XXXX - XX/XX/year> IS A DEBT COLLECTOR, REFERENCE : XXXX THIS WAS CHARGES RELATED TO MY DAUGTHER XXXX XXXX, A VISIT AT THE XXXX XXXX XXXX XXXXXXXX. AMOUNT OWED {$930.00}. I WAS UNAWARE OF THIS CHARGE AND NOTIFICATIONS WAS MISSED. I ALSO FEEL THAT THIS WAS UNFAIR OF AMOUNT BEINGING CHARGED. MY DAUGTHER WENT IN FOR A REGULAR CHECK UP, AND BLOOD WORK, DUE TO HER RELATED/BORN CONDITION, DOCTORS HAD ASKED HER QUESTIONS AND WAS LATER RELATED AS AN EMERGENCY VISIT, I WAS NOT AWARE OF THE AMOUNT OF THIS WAS GOING TO LEAD TO, I HOPE THAT WE CAN RESOLVE THIS CHARGE AND STOP AFFECTING MY CREDIT/AND STOP WITH THE COLLECTIONS. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NM

Complaint narrative:
unauthorized access to personal information XXXX XXXX XXXXXXXX

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX of my chase credit cards ( XXXX XXXX XXXX XXXX XXXX ) were closed out of no where without letting me know. No letters and no notifications of why my accounts were closed. I've been paying on time for at least XXXX or XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-17 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: FL

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 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 Experians 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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
I received a letter dated XX/XX/year> stating that my loans would have 0 % interest while in forbearance, but Mohela is actively charging interest on my loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with NTL RECOVERY AGENCY XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They are reporting an inaccurate account in the amount of {$890.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XX/XX/scrub> 2025, and in XXXX of 2025. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report 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 2025-03-17 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEXBANK CAPITAL, INC.
State: FL

Complaint narrative:
For over 22 years, my mortgage agreement with Nexbank did not require windstorm insurance, and I have maintained continuous coverage with an exclusion for windstorm damage. This exclusion is explicitly permitted under Florida law. They are trying to enforcie a policy requirement that never existed in our original contract. 
Their unilateral decision to force-place windstorm insurance without my consent or any contractual provision allowing them to do so is a material breach of our agreement. Nowhere in our original mortgage documents is there a clause stating that I must carry windstorm insurance, nor have I ever agreed to such a requirement. Florida Statute Chapter 627, Section 712 states that an insurer must make windstorm coverage available but allows the policyholder to opt out of such coverage. I have consistently exercised this right, and my policy has always excluded windstorm damage. 
Their claim that my windstorm coverage " expired '' is demonstrably false. Since I have never had windstorm insurance, there was nothing to expire. It is deceptive and misleading to assert otherwise. Additionally, Nexbank 's letters dated XX/XX/year>, and XX/XX/year>, claiming that I failed to provide proof of windstorm insurance are based on a false premise, as no such requirement existed in our agreement. 
Unreasonable and Predatory Charges The forced placement of windstorm insurance on my property, with a premium of {$31000.00} for one year, is unconscionable. The county-assessed land value of my home is over {$300000.00}, and my remaining mortgage balance was approximately {$110000.00}. The imposed insurance cost is exorbitantly high, particularly given that no inspection was conducted to assess risk. Your justification that high-risk policies are expensive because they are " sight unseen '' does not align with industry practices. Most insurance companies rely on CLUE ( Comprehensive Loss Underwriting Exchange ) reports, which clearly show that I have never filed a claim on this property. 
Furthermore, numerous class action lawsuits against major mortgage lenders, including XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, have established that force-placing insurance without due cause and at unreasonably high premiums is an abusive practice. Your actions mirror those that have led to significant legal consequences for these institutions.

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 2025-03-17 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: NY

Complaint narrative:
To whom it may concern ; Upon reviewing my credit reports I found a surmount of inquiries on my credit report in which I did not authorize.

I have many inquiries.

Likewise, all these inquiries are an infringement on my credit reputation. Trying to obtain new credit with these unauthorized inquiries led to embarrassment and a blemish on my credibility and I was denied credit.

Please correct this - according to the In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A.

Which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 crimes which antedates the report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Have made several attempts and contacted capitol one in regards to receiving mailed statements, because of my current situations i am not and have not been able to receive any emails or have access to do so, upon notifying capitol one of this issue nothing was done to send these statements, violate my rights us code 1666b. please help

Company response to consumer: Closed with non-monetary relief