vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I applied and was approved for a loan to refinance my already refinanced student loan on XX/XX/XXXX. Both my original loan and the new refinance loan are through SoFi. The newly refinanced loan was dispersed on XX/XX/XXXX. SoFi made an error and used the new loan to pay off itself on XX/XX/XXXX. During the time between XX/XX/XXXX and XX/XX/XXXX, they were charging me interest on both loans. In addition, they have been charging me at the higher interest rate since XX/XX/XXXX because of their mistake. This is the definition of theft. This extra interest money that they have stolen from me could be going to pay down my principle. In addition to their egregious error, after many hours on the phone because their customer service sucks ( I once spent XXXX hour and talked to XXXX different people without getting any help ), they magically have not been able to fix the issue. How convenient. Now they get more interest money out of me. 

Times I have contacted them with minutes spent on the phone : XX/XX/XXXX XXXX minutes XX/XX/XXXX XXXX minutes XX/XX/XXXX XXXX minutes XX/XX/XXXX XXXX minutes I was promised a call back 2 times, never came. Got hung up on once because the customer service agent 's connection was bad once. Every time I call I am told that the last agent did not submit the right request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against NCB Management Services for Violating Consumer Rights To Whom It May Concern, I am writing to formally file a complaint against NCB Management Services for violating my consumer rights under federal law. The collection agency has failed to provide the required validation information pursuant to 12 CFR 1006.34 ( b ) ( 5 ) but has nevertheless placed a collection account on my consumer report. Additionally, I have not been given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

NCB Management Services is engaging in unfair and deceptive practices by using false, misleading, and misrepresentative means to collect a debt. Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all legally required disclosures before furnishing any information to a consumer reporting agency. Since NCB Management Services has failed to do so, they are in clear violation of federal law. 

I am also informing NCB Management Services that I am disputing owing any and all debts to them. Furthermore, I am revoking all rights for them to communicate with me through email, text, or phone calls. I am formally requesting debt validation and demanding that they provide the purchase agreement between them and the original creditor. Additionally, I am requesting that they furnish proof that they are licensed and bonded. 

I am requesting the CFPB to investigate this matter and take appropriate action against NCB Management Services for their unlawful conduct. Additionally, I demand that NCB Management Services immediately cease reporting this unverified account to the credit bureaus and remove any negative information related to this matter from my consumer report. 

Please provide me with an update on the status of my complaint and any actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I received a notice from BankUnited informing me that my business account would be closed effective XX/XX/year>. The letter stated that the bank had elected to terminate our banking relationship without providing any clear explanation for this decision. 

My business account, which has been processing approximately {$20000.00} per month, is essential to my operations. Concerned about the impact of this unexpected closure on our ability to handle regular transactionssuch as payroll, vendor payments, and operational expensesI visited a local BankUnited branch and contacted their customer service hotline ( XXXX ) for clarification. Despite my efforts, I did not receive any substantive information or documentation explaining the closure.

I suspect that the closure may be related to internal compliance issues ( possibly involving Bank Secrecy Act or Anti-Money Laundering concerns ), though I have not been officially informed if this is the case. I am also worried that the closure might be reported to consumer reporting agencies like XXXX or Early Warning Services, potentially affecting my future banking opportunities. 

I am filing this complaint to request that the CFPB review BankUniteds practices in this matter and help ensure that I receive a clear explanation for the account closure and any potential negative implications for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: AK

Complaint narrative:
I submitted a removal of whats shown on credit report and asked for confirmation of debt and was not provided with anything and debt was not removed from report. Due to Experian breach of information

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was greatly affected by Covid. I lost my job, and shortly after lost everything else.

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 2025-02-18 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 was greatly affected by Covid. I lost my job, and shortly after lost everything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have attached a confirmation from XXXX themselves stating that the account is incorrect, yet the account still remains on my credit report. I have also attached proof of the account being marked as closed, however the account still remains and reflects as open on all credit reports.

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 2025-02-18 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Account number : XXXX Account name : Rent Recovery Solutions Balance : {$11000.00} 15 usc 1692c ( c ) that law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: DriveTime
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a serious issue of forgery and fraud with [ Drive Time ]. On XX/XX/year>, I discovered that my signatures and initials were forged on the sales contract agreement after I had raised concerns regarding suspicious charges and incomplete information in the contract. 

Upon reviewing the documents, I found that the contract provided by the dealership contained forged signatures and lacked my authentic consent. This constitutes fraud and renders the contract void and unlawful. 

Please refer to the attached documents, which include the dealership 's emailed contract and my original, unsigned contract. As evidenced, the documents I have do not contain any of my signatures or initials. 

I am taking immediate legal action by pursuing charges for forgery and fraud, as well as preparing to file a civil lawsuit against the dealership. 

Should you need any further information, I can be reached at XXXX. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Per the Family Education Protection Act, access of my personal and financial information is a severe breach of confidentiality and a severe threat to my person. This clear violation has resulted in compromised personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing a collection account reported by **Portfolio Recovery Associates ( PRA ) ** on my credit report, originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the **Fair Debt Collection Practices Act ( FDCPA 809 ) ** and **Fair Credit Reporting Act ( FCRA 609 & 611 ) **, I request verification, including proof of debt ownership, a signed agreement, a balance breakdown, and legal collection rights.

Additionally, **Portfolio Recovery Associates sued me in court without providing proper notice**, resulting in a **default judgment** against me. I was unaware of the lawsuit and was not given the opportunity to defend myself, violating my due process rights under the **Fair Debt Collection Practices Act ( FDCPA 807 ( 2 ) ( A ) ) ** and **Federal Rules of Civil Procedure Rule 4** ( requiring proper service of legal documents ). 

I request an investigation into this matter and a full validation of the debt, including court records of service and notification. If Portfolio Recovery can not provide verifiable proof within **30 days**, I request removal of this collection from my credit report per **FCRA 611**. Additionally, I request a review of the default judgment due to improper legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
In accordance with fair credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name # XXXX Bankruptcy XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXXXXXX XXXX XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX  XXXX # N/A Inquiry date XX/XX/XXXX Incorrect Inquiry Reporting of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my WRITTEN Instruction and CONSENT.

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 on convictions and crimes which antedates the report by 7 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 or believes 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