vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: CT

Complaint narrative:
I have been a Citizens customer for a long time. Ive had a lot of issues with them with my checking account recently with their predatory practices regarding overdraft fees. 

Between XX/XX/XXXX and XX/XX/year>, Ive been charged {$940.00} in overdraft fees that were not waived or refunded despite my efforts to bring the account to a positive balance. I have been trying to switch banks entirely, and because Citizens keeps charging exorbitant fees, ( {$170.00} at a time ), its as if they have a chokehold on me and XXXX never be able to close this account. I have kept my debit card frozen this entire time to prevent charges, and Ive unlinked my bank account from recurring payments. Despite this, Citizens will seemingly intentionally process transactions prior to deposits that bring the account to a positive, causing me immense financial XXXX  and Im simply unable to catch up with these fees and am in a terrible situation now that theyve charged me a total of nearly {$1000.00} within just over two weeks in fees. I have done everything I can to try to dispute these charges knowing I was going to make a large sum deposit to cover any possible remaining transactions linked to this account, which I did, but Citizens processed this deposit too late and charged me XXXX  of dollars instead. It is impossible for anyone to combat these massive fees and I would caution anyone to avoid opening a checking account with this bank because they will find themselves trapped if they ever try to leave. I am now out over {$900.00} this month and keep desperately trying to catch up with their fees, but they will keep charging fees every single day, and will purposely reorder transactions to make it look like deposits were made after the overdraft transactions so that they can charge more fees. Their customer service has been incredibly difficult to deal with in the last few months and they do not listen nor are they willing to work with customers to help them avoid these situations. I can not express how detrimental my recent experience with this bank has been to my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Request for Investigation and Removal of Duplicate/Inaccurate Account Reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$96.00} To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my Equifax credit report. The accounts listed below are reporting the same {$96.00} debt and are therefore duplicate and misleading : XXXX XXXX XXXX XXXX Collection account ) FXXXX XXXX XXXX ( Original creditor account ) This same account has already been investigated and removed from both XXXX  and XXXX, as it was determined to be inaccurate and/or unverifiable. Attached are copies of my credit reports from those bureaus showing that the entries have been deleted. 

Under the Fair Credit Reporting Act ( FCRA ), information reported on a consumer report must be accurate, complete, and verifiable. Reporting the same debt twice is misleading and negatively affects my credit standing, which is a violation of FCRA regulations.

I am requesting that Equifax : Conduct a reinvestigation of the XXXX XXXX and XXXX entries. 

Delete all duplicate and inaccurate information related to this alleged {$96.00} account from my credit report. 

Provide me with written confirmation of the results of your investigation. 

Please process this dispute within the legally required timeframe and send your findings to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-04 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: MS

Complaint narrative:
- Submitted an original credit report dispute on [ Insert Dispute Date Here ] - Received response acknowledging investigation but no resolution - May not have met all required deadlines or procedures - Sent formal demand letter via fax and certified mail - Retained all documentation Requested Resolution : - Reopen or allow a new dispute submission - Complete a good-faith investigation based on updated and complete information - Provide written confirmation of results - Remove unverifiable or inaccurate information per FCRA 611

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 2025-11-04 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am formally requesting a Full Discharge of Student Loans due to Mohela 's misleading and unlawful practices. Mohela misled me by failing to provide proper guidance regarding my loan repayment options. I was repeatedly encouraged to enter into forbearance or deferment causing my loan balances to balloon contributing to an overwhelming amount of accrued debt, which is well beyond what I originally borrowed. 
Mohela 's tactics of misinformation provided by their representatives has delayed my pursuit of more favorable repayment options. Mohela 's conduct has caused me significant financial harm, mental XXXX  and a long-term burden that could have been avoided with honest and fair guidance. I feel that these tactics are consistent with the widespread fraudulent behavior for which Mohela has been sued by numerous states and the Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: MD

Complaint narrative:
Dear TransUnion, I am disputing the following accounts and inquiries listed on my credit report, as I believe they may contain errors or discrepancies. Please thoroughly investigate the accounts and make necessary adjustments. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Dispute Reason : The reporting for this account is inaccurate. Please verify the balance and status of this account. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Dispute Reason : This accounts balance is being incorrectly reported. Please confirm and correct the amount. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Dispute Reason : This account is reporting inaccurately. Please verify and update the details accordingly. 

Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : Please verify whether this inquiry was authorized and correctly listed. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : Please confirm that this inquiry was authorized and is accurately reported.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I used my Chase debit card to make a {$5000.00} purchase to buy a vehicle ( cash car ). The funds were immediately withdrawn from my checking account that same day, and my available balance reflected the deduction.

Approximately six days later, on XX/XX/year>, Chase reversed or recredited the {$5000.00} back into my account without any explanation or notice. It appeared as if the transaction had been canceled, even though the payment had already been authorized and completed. 

Then, on XX/XX/year>, Chase removed the {$5000.00} again, labeling it as the same transaction. This second debit caused my account to overdraft by approximately {$3500.00} and led to returned payment risks and financial hardship. 

When I contacted Chases customer service, I was told that the transaction did not officially post until XX/XX/XXXX, even though the bank had already withdrawn the money on XX/XX/XXXX. This means Chase allowed the funds to be held and deducted, then recredited them, and later re-debited the account effectively creating a duplicate posting sequence for one authorized transaction.

This sequence of events violated Regulation E ( 12 CFR Part 1005 ) because : The XX/XX/XXXX debit was not separately authorized by me, violating 1005.10 ( b ) ( unauthorized EFT ).

Chase failed to provide timely notice or documentation for the XX/XX/XXXX recredit or XX/XX/XXXX redebit, violating 1005.9 ( a ). 
The duplicate processing constitutes an incorrect electronic fund transfer under 1005.11 ( a ) ( 1 ) ( ii ), and Chase failed to properly investigate, issue provisional credit, or provide written explanation as required under 1005.11 ( c ).

As a result of Chases improper handling of this transaction, my account became overdrawn by more than {$3500.00} even though the funds had already been withdrawn once. The banks error caused financial harm and violated my consumer protection rights under the Electronic Fund Transfer Act and Regulation E.

I am requesting that Chase be required to : Reverse all overdraft fees and penalties ; Correct my account ledger to show the original debit as properly posted on XX/XX/year> ; Provide written confirmation of compliance with Regulation E ; and Compensate for any resulting financial loss or negative reporting caused by this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
RGS Financial , LLC is attempting to collect a debt that was already satisfied in full. The alleged balance of {$52000.00} is tied to a XXXX XXXX XXXX lease , not a traditional loan. The vehicle was declared a total loss on XX/XX/year>, and the lease was fully paid through my insurance company and the built-in XXXX protection included with all XXXX leases . 

Despite the lease being paid and closed, RGS Financial is reporting or attempting to collect on this account, using inaccurate personal information and an incorrect balance. XXXX XXXX had no legal basis to sell or transfer this account to a third-party collector after it was satisfied. 

These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 607 ( b ) : failure to maintain maximum possible accuracy ; FCRA 604 ( a ) ( 3 ) : no permissible purpose to obtain or furnish my credit information ; FCRA 611 ( a ) ( 1 ) ( A ) : duty to investigate and correct disputed information within 30 days ; FDCPA 807 ( 2 ) ( A ) : false representation of the character or legal status of a debt ; FDCPA 808 ( 1 ) : attempting to collect an amount not permitted by law.

I have already disputed this directly with RGS Financial in writing, demanded validation, and issued a formal cease-and-desist under FDCPA 805 ( c ). I have also filed reports with the CFPB and FTC for recordkeeping.

I request the CFPB compel RGS Financial to cease all collection activity, remove or delete any reporting to the credit bureaus, and confirm that no debt is owed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
I am writing to formally request a review and update of my credit file. I have recently experienced significant financial and personal hardships that have affected my ability to make timely payments on certain accounts. These events include the loss of my job earlier this year and the unexpected passing of my father in XX/XX/year>. These hardships caused unavoidable delays in my payments, which I have since been actively working to resolve. 
I respectfully request : Removal or adjustment of recent late payment notations that were reported during this hardship period, as they do not accurately reflect my long-term credit behavior or intent to pay. I am currently in communication with my creditors to bring my accounts current and seek formal payment arrangements. 

Dispute and removal of all student loan accounts currently appearing on my credit report. These entries may be inaccurately reported or duplicated, and I am requesting a thorough verification of their accuracy under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation and documentation verifying the validity of these accounts. 

Under the FCRA, I have the right to dispute any information I believe to be incomplete or inaccurate, and I am requesting that you conduct an investigation into these matters. Please remove or correct any information that can not be verified or that has been incorrectly reported. 
I have attached a copy of my government-issued ID as proof of identity and address. 
Thank you for your time and attention to this matter. I deeply appreciate your understanding and consideration as I work to recover financially and restore my credit standing.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : [ Insert Todays Date ] Bridgecrest, LLC Attn : Credit Reporting Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Request for Investigation and Removal of Late Payment Reporting Account No. XXXX To Whom It May Concern, I am contacting you regarding the above-referenced account, which is being reported by Bridgecrest to the major credit bureaus. Upon reviewing my credit reports, I discovered late payments reported for XX/XX/XXXX, and for XXXX, XXXX, XXXX, and XX/XX/XXXX, as well as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ), furnishers of credit information are legally required to ensure the accuracy and completeness of all data reported to consumer reporting agencies. If the information being furnished can not be fully verified, it must be corrected or removed from the consumers file. 
I hereby request that Bridgecrest conduct a thorough investigation into the accuracy of these late payment entries. If Bridgecrest can not provide documented evidence that these late payments were correctly reported and verified, I am demanding their immediate removal from my credit reports with XXXX, XXXX, and XXXX. 
Furthermore, under FCRA 611 and 1681i, I have the right to dispute any inaccurate or unverifiable information and to have such information deleted if it can not be substantiated. I expect a written response with the results of your investigation within 30 days of receipt of this letter, as required by law.

During the time these payments were reported late, I experienced a period of unemployment and financial hardship that temporarily prevented me from maintaining on-time payments. Since then, I have worked diligently to improve my financial stability and have remained committed to meeting my obligations.

In light of these circumstances, and considering my good faith efforts, I respectfully request that Bridgecrest remove the reported late payments as a gesture of goodwill or in accordance with your legal obligations under the FCRA should verification not be possible.

Thank you for your prompt attention to this matter. I look forward to your written response confirming the results of your investigation. 
Sincerely, XXXX XXXX Last Four of SSN : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Subject : Incomplete Debt Validation and Improper Credit Reporting by Wakefield & Associates , LLC On XX/XX/year>, I received a phone call from Wakefield & Associates regarding an alleged medical debt for XXXX  XXXX XXXX XXXX XXXX XXXX. I had never received a bill or notice from that provider before the call. I requested validation in writing that day on the phone and also asked for the bill. 

On XX/XX/year>, I received from Wakefield only a three-page summary that listed a CPT code, balance due, and service date. It did not include any copy of the original billing statement, itemized charges, or proof that the debt was actually billed to me. 

Moreover, the hospitals billing code ( XXXX ) and the third-party doctors code ( XXXX ) appear to overlap and represent the same level of XXXX XXXX XXXX I am concerned that this may indicate a duplicate or double billing for the same visit. If the physician group was already compensated by the hospital, this collection effort could constitute a duplicate charge or possible billing fraud. 

Despite the lack of proper validation, Wakefield reported the account to credit bureaus in XXXX. I disputed the entry with the bureaus in XXXX, but Wakefield verified it without providing new documentation. I have since re-disputed the account. 

I believe this violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act because the company has : Failed to provide meaningful debt validation ; Continued to report a disputed, unverified debt ; Verified the debt with credit bureaus without conducting a reasonable investigation ; and Possibly attempted to collect on a duplicate or already-paid charge. 

I request that the CFPB investigate this matter and require Wakefield & Associates to provide full and proper documentation from both the collector and the medical provider, and to ensure that the account is removed from all credit reports if it represents a duplicate or fraudulent billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

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 XXXX 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