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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : XXXX XXXX - XXXX - {$530.00} XXXX XXXX XXXX - XXXX - {$2100.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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. XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX  : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ).

I recently reviewed my credit report and According to the FCRA, you are required to maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, I have the right to dispute any inaccurate information on my credit report, and you must investigate the disputed items ( 15 U.S.C. 1681i ). 

Based on the recent lawsuit involving XXXX and XXXX, which highlights serious issues of negligence in reporting, I urge you to take my dispute seriously and conduct a thorough investigation. It is crucial that you verify the accuracy of the reported information and remove any entries that can not be substantiated. 

Please conduct your investigation in accordance with the FCRA and provide me with the results promptly. I also request that you send me an updated copy of my credit report once you have completed your investigation. 


Thank you for your attention to this matter. I look forward to your timely response.

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 — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: GA

Complaint narrative:
Ive reached out to edfinancial services on XX/XX/year>. 
The company confirmed that there is not a balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request your assistance in resolving a matter regarding two debts that have been inaccurately reported or are being collected improperly. I believe that the creditors have failed to validate these debts and are pursuing collection without providing the appropriate documentation. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., are fully protected. Specifically, I request that you assist me by ensuring the following actions are taken for the two debts in question : Debt Validation : Debt 1 : {$110.00} Debt 2 : {$530.00} For both debts, I request that the creditor provide detailed documentation verifying the legitimacy of the reported debts, including the full names and addresses of the original creditors and evidence that the debts have been properly assigned or transferred to the current creditor. Assignment Contract : I request that the CFPB compel the creditor to provide a complete and accurate copy of the assignment contract that proves the current creditor has the legal right to collect these debts. This is essential for ensuring that the collection activity is lawful. Cease and Desist : Until such time as proper validation and the assignment contract are provided, I request that you assist in ensuring that the creditor ceases any collection activities related to these debts, in accordance with the FDCPA. This includes stopping any further reporting of these debts to credit agencies. Permissible Purpose : Please ensure that the creditor is reminded that they do not have permissible purpose to report or collect these debts unless and until they provide the necessary validation and assignment contracts. I respectfully request that the CFPB facilitate the removal of any derogatory marks on my credit report associated with these debts if proper documentation is not provided. For
your reference, my CFPB PIN number is XXXX, and the file number for this matter is XXXX. I kindly request that the CFPB take prompt action to enforce the provisions of the FDCPA and FCRA on my behalf.

Thank you for your attention to this important matter. I look forward to your response and your assistance in ensuring that my legal rights are fully upheld.

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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Spoke to XXXX at Regions XXXX XXXX XXXX. As well as XXXX customer service. Explained my standard protection line of credit was being charged 10 % of each transaction amount internally transferred from regions accounts. This is not disclosed anywhere on statement, paperwork, online. This is self made internal transactions, from my line of credit to my checking. Regardless of positive or negative checking account balance. I do not have a debit or credit card for this line of credit. I do it only from the app or online banking. The line of credit is not past due. 

XXXX was rude but also continued to change her statements. Customer Service started talking about a cash advance once she realized it is not disclosed anywhere and said I must go to the branch. They tried to state it is draws made with a card. I dont own a line of credit card or check. This is internal account to account.

Im also being charged for one year of debit / credit card transactions on a card I reported lost/ stolen, requested to cancel and received a new card / new number for the account. I explained it took me a while to determine what was going on with my accounts. XXXX told me its my problem I didnt know my card ( they failed to cancel ) was being charged they cant do anything about it. I should have known. I explained I wouldnt know XXXX being charged on a cancelled account? I cant even pull those transactions because it was cancelled. I couldnt balance my account properly was charged numerous Overdraft fees, finally saw the amounts being deducted that didnt match but certainly didnt know to link to a cancelled card. Again, she said its not their problem they didnt cancel the card as requested. So XXXX stuck with charges for XXXX entire year. And 10 % fees on every internal transaction amount since XXXX  though nowhere states that fee.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've contact XXXX  XXXX XXXX to validate a debt that they have reported on my credit reports. They state the original creditor is Capital One. I've called Captial One and they have no record of the debt and could not be verified. I've called back to the XXXX and was informed that they don't have the information, another company has the information which is XXXX and XXXX. The customer service representative from XXXX XXXX XXXX was very rude. I inquired if the XXXX  provided information to an additional party for the debt, can they provide me with the same information. I was told repeatedly ; they do not have the information.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is my 3rd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance, credit usage, and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.

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 — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing a complaint against SoFi for its failure to return $ XXXX of my funds, which were mishandled due to repeated errors on their end. Despite over XXXX attempts to resolve this issue, I have been left without a resolution. 

In XX/XX/XXXX, I submitted a refund request for over {$35000.00}. SoFi incorrectly sent the funds to the wrong personnot just once, but twice. Despite my repeated outreach since XXXX XXXX, SoFi has failed to recover the funds or provide a clear timeline for resolution.

Because of SoFis mishandling of my money, I had to take out a second refund to access funds, which reopened my loan and resulted in over {$2000.00} in additional fees. I was initially assured these fees would be covered, yet I am still receiving charges. Additionally, the delay has caused me {$3500.00} in financial damages due to rent late fees and accrued interest. 

Key Timeline of Events : XX/XX/XXXX : I submitted a refund request for $ XXXX XXXX XXXX : I contacted SoFi after failing to receive the refund. Found out they sent it to the wrong person. Was told that any financial damages would be sent to me. 
XXXX XXXX XX/XX/XXXX : I called SoFi every XXXX days, later reducing to XXXX a week, only to be told " no update ''. They then changed wording of " we will review your financial damages later ''. I had been very upfront back in XXXX to as what these damages would be. 
Late XX/XX/XXXX : Discovered SoFi sent the money to the wrong person the second time XXXX XXXXXXXX : Ongoing delays, no resolution despite over XXXX formal written complaints and dozens of calls SoFis Response : SoFi acknowledged their error but has not provided an actual resolution. 
I have received repeated assurances that they are working on it but have been met with continuous delays. 
I have received no clear commitment or timeline for the return of my money. 
The only update I have received is that they are waiting for a recall from XXXX XXXX, but I have not been given any final deadline or alternative resolution. 

Requested Resolution : XXXX return of the $ XXXX funds that SoFi erroneously sent to the wrong person.

Compensation of {$3500.00} for financial damages incurred due to SoFis mishandling of my money, to be increased if the delay continues ( it is a free loan for them, essentially ). 
Full waiver of the $ XXXX in loan fees that resulted from me having to take out another refund due to SoFis mistake. 

A clear deadline or alternative resolution if the recall process continues to be delayed. 
Additional compensation if delays persist given the stress, time lost, and financial impact. 

I have email records, call logs, and screenshots of my communications with SoFi and can provide them as evidence. SoFis ongoing negligence has caused severe financial and emotional distress, and I am seeking immediate resolution. 

Sincerely, ML

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: KY

Complaint narrative:
I am a recent graduate and upon my 6 month grace period I tried to reach out to XXXX regarding my XXXX  repayment program. To date I have not been able to contact anyone wait times are hours and when you select to receive a call back no one ever calls. I wake up Sunday morning to my credit score going from a XXXX to XXXX!! This is wrong and financially devastating to my life with no assistance from a loan servicer whom my loans were transferred to. None of my fellow graduating classmates have had this experience and it seems I am XXXX of the unfortunate to be transferred to this awful loan servicer.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX - **** - {$4900.00} XXXX XXXX XXXXXXXX - XXXX - {$150.00} XXXX  XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX**** - {$13000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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: EQUIFAX, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I requested verification of an external savings account. Chase deposited XXXX XXXX  into the external savings account in the form of XXXX transactions and then withdrew money. On XX/XX/XXXX, I verified that I had received the deposits, and then requested a {$5000.00} transfer from my Chase checking account to my XXXX  with another institution. Despite being performed from my desktop, which has had the same IP address for years, validating the transaction therefore demonstrating that the receiver account was mine, and using two-step verification that uses my phone ( with the same phone number as I've used for over a decade ) to access my account to initiate the transfer, Chase requested XXXX validation. During this process, I discovered that my debit card has expired, and requested a new one from Chase. The validation failed, as my debit card was expired, and they cancelled the money transfer. 

I then called them back, and used my account number to validate my identity. They told me to wait XXXX minutes, and then retry the transfer. I waited, and then retried the transfer. It processed, got cancelled, and then Chase called me to validate my identity again. I was busy at work, and did not receive the call. I called them back, and despite providing them the information they requested, they said they had run out of validation procedures, and were unable to validate my identity, and to call them back in XXXX minutes. 

I then called them back after an hour, and they requested my debit card number for the new one they are issuing. I explained mine was out of date, and I just requested a new one, and they hung up on me. Going back to their website application, they then delisted my other bank 's account that I had already validated, requiring me to start this process from scratch. I would like them to actually transfer my money so I can earn interest on it. 

I am also requesting the XXXX consider scoping in XXXX monitoring and alerts in future Chase examination procedures to ensure that alert settings are not overly sensitive to XXXX XXXX that they prevent customers from account access.

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 — Investigation took more than 30 days
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I live at XXXX XXXX XXXX in XXXX Fl for a year, they were upset that even though they offered me all kinds of discounts, that I didn't renew my lease. I was unable to sleep due to living on the XXXX XXXX I submitted weekly complaints about the noise and the insect infestation. I was paying XXXX a month and nothing was done. I informed the office after I found a place to live in XXXX, they informed me I would owe 2 months rent. So I did not move out until the weekend before my lease was up. I returned the keys, spoke to the manager, who acted as though everything was good to go. Then about a year later and a half ago, I started receiving calls from some collections service National Credit Services saying I owe {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
Received a call today from central portfolio control. I advised the representative that this debt was already paid for, agent got assertive and threaten, stated that we have reached sufficient time to respond and that they already attempted to deliver correspondence on XXXX XXXX and XX/XX/year> with no response from us and that we need to settle this debt now, refused to hear me out or to take the information on how this was already paid for and the agent hung up the phone. I have a screenshot of the debt being paid for with a reference number.

Company response to consumer: Closed with explanation