vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mortgage was recently transferred to Regions Mortgage, and I noticed that my monthly payment unexpectedly increased by approximately {$300.00}. Upon reviewing my online account, I found an escrow analysis statement showing a {$2600.00} shortage due to an increase in my homeowners insurance premium. However, I was never directly informed of this shortage or the resulting payment change. 

Unlike my previous loan servicer, Regions did not send me an email, letter, or message explaining the change or offering repayment options. The only notice was the escrow statement posted to my account with no additional outreach. Previously, I was always notified in advance of any escrow shortage and given the option to pay it in full to avoid a monthly payment increase. I relied on that process to help manage my budget or make the determination on switching insurance providers. 

Because Regions did not properly notify me or explain my options, the increased payment was applied automatically without my knowledge or consent. This lack of communication caused unexpected financial strain and removed my ability to proactively resolve the shortage.

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 2025-05-04 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: IL

Complaint narrative:
I took a look at my credit report and noticed several indefinite inconsistencies according to the FCRA 15 USC 1692g the credit agencies must report fair and accurate across all three bureaus. The bureaus have failed to that as many inconsistencies I have found on my report. However i demand a proper investigation for XXXX XXXX  # XXXX i demand a method of verification which should include : PURCHASE AGREEMENT WITH SIGNATURE : AN ITEMIZED BREAKDOWN OF THE DEBT : METHOD THAT WAS USED TO VERIFY THE DEBT, THE NAMES ADDRESSES OF WHO THEY SPOKE TO.

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 2025-05-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute directly to Equifax regarding XXXX hard inquiries that appeared on my credit report dated XX/XX/XXXX. These inquiries were from XXXX, XXXX, and XXXX. I never applied for credit with these companies nor authorized them to access my credit file. 

In my dispute letter, I requested Equifax to either provide documented proof of permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) or to remove the inquiries. As of today, Equifax has not provided any documentation or adequate response to validate the legitimacy of these inquiries.

These unauthorized inquiries are negatively impacting my credit profile, and I believe they are being reported in violation of federal law. I am requesting that Equifax be compelled to remove them immediately or provide verifiable proof that they had a legal basis to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and observed a past due account from XXXX XXXX XXXX. 

I contacted Preferred Credit and they stated I had an account with a company called XXXX and that I have been making payments via a XXXX XXXX  account. I have never done business with a company called XXXX and I have not had a XXXX XXXX account since 2021. I bank with a XXXX XXXX  I demand this account be removed from my credit report due to it being fraudulent and is damaging my credit

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and observed a past due account from XXXX XXXX XXXX. 

I contacted Preferred Credit and they stated I had an account with a company called XXXX and that I have been making payments via a XXXX XXXX  account. I have never done business with a company called XXXX and I have not had a XXXX XXXX account since 2021. I bank with a XXXX XXXX  I demand this account be removed from my credit report due to it being fraudulent and is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Subject : Request for Student Loan Dispute Investigation and Forgiveness Due to Mohela Misconduct I am writing to formally dispute the handling of my federal student loans by MOHELA XXXX Missouri XXXX XXXX XXXX XXXX ) and to request immediate forgiveness of my remaining balance due to mismanagement and violation of federal protections guaranteed under the Higher Education Act and related Department of Education guidelines. 

In light of recent investigations and complaints concerning MOHELAs failure to properly service federal loansincluding delays in applying Income-Driven Repayment ( IDR ) credits, improper denial of Public Service Loan Forgiveness ( PSLF ), and failure to provide adequate borrower supportI believe my rights have been violated. 

The following issues are part of my concern : Inaccurate or delayed processing of qualifying payments for PSLF or IDR forgiveness. 
Misapplication or non-application of forbearances and deferments that should have counted toward forgiveness. 
Failure to provide accurate, transparent, and timely communication regarding my loan status. 

Administrative forbearances applied without my consent, disqualifying me from receiving proper loan forgiveness credit. 

These actions violate multiple borrower protections under : 20 U.S. Code 1087e Terms and Conditions of Loans 15 U.S. Code 1692 Fair Debt Collection Practices Act 34 CFR 685.219 Public Service Loan Forgiveness Program The Borrower Defense to Repayment provision under the Higher Education Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'I have found and have disputed serious discrepancies on my consumer report that in accordance to Congress, violates section 15 US Code 1681e(b) - Compliance procedures and FCRA (Fair Credit Reporting Act) 15 USC 1681-1681x and 15 USC 1681 a(2)(i) Definition; rules of construction ; I have not provided my written consent to any credit agency, business, bureau or person to use my consumer report for sharing, to sale or to gain profit with any third party is described bt the TSR (Telemarketing Service Rule) along with TCPA (Telecommunication Protection Act) , the Department of Justice under CRM 1500-1999 1513 Prohibited Act - 18 USC 1028 described as a violation of Code 1028A - Aggravated identity theft and is also declared an act of fraud by US Code 2023 title 18 part-chap 47 - sec1028A and violation of these enactments constitutes 15 US Code  1681n  Civil liability for willful noncompliance. Delete the following tradelines listed on my Consumer ReportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Im reaching out because Ive been impacted by a data breach that exposed my personal information. Since then, Ive discovered several fraudulent accounts and credit inquiries on my credit reportsaccounts and inquiries that I never authorized or opened.

These unauthorized accounts are hurting my credit and financial stability, even though I had no involvement with them. Im worried about the long-term damage this could cause, especially since Ive already tried contacting the credit bureaus and some creditors directly but havent had the fraudulent information removed.

Im formally asking for your help to have these fraudulent accounts and inquiries blocked and deleted from my credit reports, as allowed under the Fair Credit Reporting Act. Ive attached the necessary documents to back up my request. Please see the following fraudulent accounts and inquires below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions Bank opened a checking account in my name without checking my credit to see that all my credit is frozen and has fraud alerts on it or using XXXX which also has a fraud alert for my information. They want me to physically go to a bank location but I leave in Illinois, where there are no Regions banks in order to file a dispute and get the account closed. For such a large institution to require me to physically be at a bank to close a fraudulent account when they didnt even do their due diligence of checking my credit or XXXX  to see that everything is frozen with fraud alerts is ridiculous and unprofessional.

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 2025-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I call NewRez about lowering my payment because i started paying XXXX months now it XXXX dollars they said because shortest in Escrow I said going up on my Mortgage is not keeping money in there the XXXX years I lived it have XXXX a shortage.And my home Equity have money missing .It was XXXX XXXX now it XXXX what happened why did it drop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
I am a confirmed victim of identity theft, supported by my official FTC Identity Theft Report ( # XXXX ). My credit report currently contains multiple inaccurate and fraudulent items including names, addresses, employers, accounts, and inquiries that do not belong to me and were reported without my consent. Despite formally notifying the credit bureaus and data furnishers of the identity theft, these inaccurate items remain on my report. 

Failure to Block Fraudulent Data ( FCRA 605B ) : I submitted an FTC Identity Theft Report and supporting documentation, yet the bureaus failed to block and remove the fraudulent data within the 4 business day period required by law.

No Method of Verification Provided ( FCRA 611 ) : Items previously marked as " verified '' were not accompanied by any legal method of verification ( MOV ) detailing how they were validated, as required by the FCRA.

Unauthorized Reinsertions ( FCRA 611 ( a ) ( 5 ) ( B ) ) : Certain accounts appear to have been reinserted onto my credit file without notification or compliance with reinsertion procedures.

Lack of Maximum Accuracy ( FCRA 607 ( b ) ) : The information being reported is materially inaccurate and has caused severe harm to my ability to obtain housing and financial stability.

Fraudulent Charge-Offs and 1099-C Violations ( IRS 6050P ) : Some accounts appear to be charged-off, yet no 1099-C was issued or properly recorded, violating federal tax laws and fair reporting standards.

Because of these repeated violations and lack of compliance, I have been denied housing, can not secure stable financial options, and have experienced severe emotionaXXXX XXXX This is impacting not only me, but my children as well.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a XXXX  of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Back in XXXX I took out a loan with Net Credit. When I was approved for the loan I spent about XXXX minutes on the phone with this company signing and asking questions about the loan terms. I was told in plain XXXX that this company only charges a one time fee to get a personal loan. My call was recorded and my questions were specific. A 2 months later after paying over {$800.00} and being charges a {$300.00} fee to just get the loan I notice my balance had not gone down. I called the company several times with each representative telling me something different I finally had a case number made. After XXXX weeks I finally got a call back. My initial call was recorded and reviewed. Even though the representative clearly gave me false inaccurate information and was not clear about what I was signing I was told I still could not be helped. This company operates on false claims and clearly without any morals. People borrowing money are not asking for money because they already have enough of it. This is setup just like any other scam except they make it seem legit because you sign a ton of documents. Recorded calls mean nothing. I could probably win a civil case action if I filed a motion. But instead I had to pay off this loan with the little money I had left for my mortage payment. I would gladly share my experience with anyone who could make this a public scam. Or an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
I am writing to file a complaint regarding an account # XXXX XXXX XXXX. The account is listed as Paid as agreed, but it continues to have a negative impact on my credit report due to negative marks. Although the account is paid in full, I believe the negative entries inaccurately affect my credit score. I respectfully request that the credit bureaus or the creditor remove the negative items affecting my credit report. Thank you for your assistance in resolving this issue.

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 2025-05-04 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: GA

Complaint narrative:
I am writing to file a complaint regarding an account # XXXX XXXX XXXX. The account is listed as Paid as agreed, but it continues to have a negative impact on my credit report due to negative marks. Although the account is paid in full, I believe the negative entries inaccurately affect my credit score. I respectfully request that the credit bureaus or the creditor remove the negative items affecting my credit report. Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-05-04 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt. However, the information has not been provided, due to my information being exposed. I have submitted an FTC complaint reporting the information I am not familiar with. 

I am attaching a copy of my ID. The FTC complaint, a copy of my XXXX report showing my information being exposed in a national data breach, and a validation of debt letter.

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 2025-05-04 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: IL

Complaint narrative:
I noticed inconsistencies on my credit report involving XXXX XXXX  to my understanding of the FCRA laws 15 USC 1692g ( a ) everything must report fairly and accurately across all XXXX bureaus and there are several inconsistencies. I demand a proper investigation of how this is being reported and also I would like a method of verification as to how this debt is tied to me. The method of verification should include : PURCHASE AGREEMENT WITH SIGNATURE : PROCEDURES ON HOW THE DEBT WAS VERIFIED INCLUDING NAMES ADDRESSES THE PERSON YOU SPOKE TO. ETC : A COMPLETE ITEMIZED BREAKDOWN OF THE DEBT : DOCUMENTATION OF THE METHODS THAT WERE USED TO VERIFT 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 2025-05-04 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: IL

Complaint narrative:
I noticed inconsistencies on my credit report involving XXXX XXXX  to my understanding of the FCRA laws 15 USC 1692g ( a ) everything must report fairly and accurately across all XXXX bureaus and there are several inconsistencies. I demand a proper investigation of how this is being reported and also I would like a method of verification as to how this debt is tied to me. The method of verification should include : PURCHASE AGREEMENT WITH SIGNATURE : PROCEDURES ON HOW THE DEBT WAS VERIFIED INCLUDING NAMES ADDRESSES THE PERSON YOU SPOKE TO. ETC : A COMPLETE ITEMIZED BREAKDOWN OF THE DEBT : DOCUMENTATION OF THE METHODS THAT WERE USED TO VERIFT THIS DEBT.

Company response to consumer: Closed with explanation