vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Complaint = XXXX We do not want this complaint closed as NewRez did not address the concern. Here is our feedback : Thank you for the response. The information provided in this response has given details that were already known and did not address our request in how to resolve this. We understand what happened between XXXX and XXXX. We understand that hazard insurance is our responsibility. However, it was a mistake NewRez made when they did not apply that to our mortgage payments in XXXX. We do not accept their apology and instead are requesting that they be responsible for their error by paying XXXX hazard insurance themselves. We should not be penalized in XXXX for an oversight they made in XXXX. Please reconsider this request. Thank you, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The information is not inaccurate by law 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have Co which mean charge off it was reported from XXXX of XXXX - XX/XX/XXXX then in XX/XX/XXXX it says XXXX theres a lot of inaccuracy. Another thing is I was told I dont have an account with XXXX XXXX XXXX So I told them if I dont they need to delete what they reported on my credit report. Then they said I do and I ask for my 1099c documents since they reported it as a charge off on my credit report. They told me I would have to get it from the debt collector they send it to cause they dont have it. So I ask which one I do or I dont they told me I do so u ask for my account information they told me they dont have it. Theres a lot of inaccurate information going on I need this deleted off my credit 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 2025-05-12 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: CA

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

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 2025-05-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Whom It May Concern, I am writing to file a formal complaint regarding XXXX  XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Phone : XXXX ). 
I am the legal guardian of my mother, who is incapacitated due to advanced XXXX. As her court-appointed guardian, I have full legal authority over her finances. However, XXXX XXXX has repeatedly denied me access to information and control regarding the joint bank account held by my mother and her late husband. 
My concerns with the bank escalated after the branch XXXX, XXXX XXXX XXXX, contacted XXXX XXXX XXXX ( XXXX  ) due to suspicious interactions involving my mother 's late husband, his home attendant, and a bank employee named XXXX. The XXXX case was later referred to the XXXX Attorney 's office. Following this, I began requesting access to my mother 's account in order to secure her financial interests. 
Despite presenting proof of my guardianship, XXXX XXXX insisted I could not access the account because it was in my mother 's name. She also repeatedly claimed that I needed to submit " updated guardianship papers, '' a concept that my mother 's legal guardian and counsel confirmed does not exist. 
When I followed up, XXXX XXXX told me that her legal department was requesting these so-called updated papers, further confusing and obstructing the matter. 
To reiterate, I am my mother 's legal guardian, and I am seeking rightful access to her financial information and control over her account in accordance with my legal responsibilities. I request immediate clarification and assistance in gaining access to the account. 
Thank you for your attention to this urgent and serious matter. 

Sincerely XXXX XXXX The data for this matter : XX/XX/year> to present Thank you for your attention to this urgent and serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
In XX/XX/2025, my student loan account was reported as 90 days late, which caused my credit score to drop by over 100 points. I was not on an active repayment plan at the time due to confusion during the federal student loan repayment restart. I had not been receiving clear communication about my loan status or what steps I needed to take to avoid delinquency.

Since then, I submitted an Income-Driven Repayment ( IDR ) application and Im now taking the necessary steps to remain in good standing. On XX/XX/2025, I contacted Nelnet to request a goodwill adjustment to have the late mark removed from my credit report. They refused my request despite my current compliance and the long-term impact this one mark has had on my financial situation.

I am asking the Consumer Financial Protection Bureau to review this and support the removal of the negative remark due to the circumstances of the repayment restart and the fact that Ive now resolved the issue and am fulfilling my repayment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a idenity theft case and i want this account removed attached is a idenity theift report. there has been a data breach with transunion and experian that has caused alot of issues. i did these issue cleared now

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 2025-05-12 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: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery is refusing to remove a medical bill on my credit report. I've asked them to remove numerous times. This has incredibly decreased my points. I had 2 insurances at the time and it was not charged properly by the medical facility leaving a higher bill.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I purchased an item from XXXX XXXX  XXXX on XX/XX/year> for {$42.00} and returned the item on XX/XX/year>. I have both my receipt and return receipt for {$42.00} as proof. I even notice on my bank account that I had a returned payment coming to my account for that amount days before. Now on XX/XX/year> with Bank Of America the charge has just disappeared and no money in my account. Call customer service and theres no charge on their end either on my account. XXXX XXXX because this isnt the first time this has happened with Bank Of America. They are literally stealing my money and giving me ridiculous reasons on why I dont see my money. I have read other people online with the same problem with them and this needs to be stopped. I already hate banks and now I do more and more because of things like this.

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 monetary relief
Consumer complaint received 2025-05-12 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A detective XXXX called to inform me my acct w chase was fraud. Went to chase in XXXX Tx and it was confirmed a new acct was opened and i was victim of identity theft. XXXX allowed another acct profile to be opened using my personal info name dob ss #. I have a joint acct w my husband already. Now another acct is opened and my identifying info used but a different address in another state was used. XXXX claim # XXXX. 
I want XXXX year credit monitoring for this breach. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank will not allow me to close accounts due to an investigation that has lasted for over XXXX XXXXears.

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 2025-05-12 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: NY

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
After reviewing my credit Report i see a lot of inaccuracies that i would like removed 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 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Subject : Case # XXXX Synchrony Bank Escalation Attempt Failed ( No Active Contact Email Found ) Dear CFPB, I would like to provide an update to my complaint regarding XXXX XXXX Bank XXXX XXXX XXXX XXXX ). 

Following my initial submission, I attempted to contact Synchrony Bank directly using known escalation email addresses to resolve the issue proactively. However, all attempts have failed : XXXX returned undeliverable. 

XXXX returned undeliverable. 


Both email addresses appear to have been deactivated, leaving no clear point of contact for consumers attempting to escalate disputes. This lack of accessible communication channels raises additional concerns about Synchrony 's handling of consumer complaints and transparency obligations. 

Given these failed attempts, I am relying on the CFPB 's intervention to ensure this matter receives proper attention and resolution. 

Thank you for your assistance.

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 2025-05-12 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: CA

Complaint narrative:
After reviewing my credit report i see inaccurate information on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

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 2025-05-12 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 blocking and deletion of all accounts associated with my personal information due to identity theft, as documented in my Federal Trade Commission Identity Theft Report ( FTC Report Number : XXXX ). 

Accounts in Question : XXXX BANK XXXX, Account Number : Not Provided, Fraudulent Amount : {$760.00}, Fraud Began : XX/XX/year> XXXX  XXXX  XXXX XXXX, Account Number : XXXX, Fraudulent Amount : {$660.00}, Fraud Began : XX/XX/year> XXXX XXXX XXXX, Account Number : Not Provided, Fraudulent Amount : {$260.00}, Fraud Began : XX/XX/year>XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX, Fraudulent Amount : {$400.00}, Fraud Began : XX/XX/year>XXXX XXXX XXXX Account Number : XXXX, Fraudulent Amount : {$1700.00}, Fraud Began : XX/XX/year> Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this identity theft.

15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the identity theft, I request a thorough review of my credit report to identify and rectify any inaccuracies.

15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this theft.

15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the identity theft is not reported inappropriately.

15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this identity theft, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response within XXXX days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation