vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, I made a payment of {$31.00} that wasnt credited to my account until XX/XX/XXXX. I was charged a late fee of $ XXXX XX/XX/XXXX. The amount due was {$30.00}. 

On XX/XX/XXXX, I made a payment, {$75.00}, that appears on my XXXX statement XX/XX/XXXX and I was charged a late fee. 

On XX/XX/XXXX, a payment was cashed from my account. It wasnt applied to my account and I was charged {$39.00} late fee. 

On my XX/XX/XXXX statement, the payment is applied, XX/XX/XXXX and I am also charged a late fee, {$39.00}. 

I sent an email requesting the refund of the late fees. Avant  refuses to refund the fees. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: PA

Complaint narrative:
I am writing to express my concern regarding the recent Consumer Financial Protection Bureau ( CFPB ) enforcement action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was detailed in the XX/XX/2025 press release. 

I believe I am XXXX of the affected consumers whose vehicle loan was inaccurately reported as delinquent during the XXXX pandemic deferral period. During this time, I was granted a deferral on my vehicle loan payments, and I was assured by XXXX XXXX XXXX that my account would be reported as current. Unfortunately, it was later discovered that my loan was incorrectly reported as delinquent to credit reporting agencies. 

As a result of this inaccurate reporting, my credit score was negatively impacted, and I have experienced significant stress and financial hardship. I was under the impression that XXXX XXXX XXXX would uphold their promise to report my account accurately, and I feel that I have been wronged by the companys actions. 

I respectfully request that the CFPB take any necessary action to ensure that XXXX XXXX XXXX corrects the inaccuracies in my credit report and that appropriate restitution is provided, as outlined in the enforcement action. I would also like to inquire about the process for receiving compensation as part of the {$12.00} XXXX restitution fund mentioned in the press release.

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 2025-02-23 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: PA

Complaint narrative:
I am writing to express my concern regarding the recent Consumer Financial Protection Bureau ( CFPB ) enforcement action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was detailed in the XX/XX/2025 press release. 

I believe I am XXXX of the affected consumers whose vehicle loan was inaccurately reported as delinquent during the XXXX pandemic deferral period. During this time, I was granted a deferral on my vehicle loan payments, and I was assured by XXXX XXXX XXXX that my account would be reported as current. Unfortunately, it was later discovered that my loan was incorrectly reported as delinquent to credit reporting agencies. 

As a result of this inaccurate reporting, my credit score was negatively impacted, and I have experienced significant stress and financial hardship. I was under the impression that XXXX XXXX XXXX would uphold their promise to report my account accurately, and I feel that I have been wronged by the companys actions. 

I respectfully request that the CFPB take any necessary action to ensure that XXXX XXXX XXXX corrects the inaccuracies in my credit report and that appropriate restitution is provided, as outlined in the enforcement action. I would also like to inquire about the process for receiving compensation as part of the {$12.00} XXXX restitution fund mentioned in the press release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Hello. Why was I reported 4 times without warning??? I have never received a letter. All of a sudden out of the blue, when all my credit is almost perfect, I'm hit with this without negotiation. I feel it's extremely invalid and unfair and I'd like to fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX  TransUnion XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax

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 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
I have XXXX payment left before achieving PSLF, but I am on the SAVE plan and can not pay. I would like to be moved to the IBR plan or receive the XXXX processing forbearance I am entitled to, but several errors on MOHELA 's part have made it impossible for me to do so. 

XX/XX/year> : I submitted an application to MOHELA to move from SAVE to IBR so I can either start repayment OR be moved to a XXXX processing forbearance, which will count toward PSLF. 

XX/XX/year> : I received a notice from MOHELA saying I would have a XXXX processing forbearance that would count toward PSLF as of XX/XX/year>. 

XX/XX/year> : I received a notice from MOHELA saying my forbearance had ended and my account would be moved to repayment under XXXX. This forbearance should have gone through XXXX and SAVE repayment is impossible while it is being litigated. 

XX/XX/year> : MOHELA withdrew {$330.00} from my bank account under the SAVE plan. I called a representative who assured me this was an error on MOHELA 's part, my account went into repayment too early and processing forbearance ended early. She told me she would submit an " adjust forbearance request '' that would put me back into processing forbearance through the end of XXXX, and I could call back at that time to be placed into general forbearance if my IBR application hadn't yet been processed. She told me I would be refunded for the auto pay that was also an error on MOHELA 's part, and I would receive PSLF credit during the next 60 days. 

XX/XX/year> : I received an email from MOHELA saying my processing forbearance, which was supposed to last through XXXX, had ended and I was being placed into general forbearance, and I will not be receiving PSLF credit during this time. 

I am dismayed by MOHELA 's incompetence and lack of accountability. I have tried emailing about this issue, but their responses to emails are vague and simply encourage you to call. When I do call, hold times are hours long, representatives are often uninformed when you can get a hold of XXXX, and when I did finally speak to someone who understood my concern, her attempts to fix my account have clearly not been successful as I am back where I began.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to XXXX as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request. 

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by XXXX to XXXX XXXX XXXX ( XXXX ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to XXXX as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request.

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the unauthorized sharing of my non-public personal information ( NPPI ) by XXXX to XXXX XXXX XXXX ( XXXX ), despite my explicit decision to opt out of such disclosures. 

On XX/XX/year>, I submitted an opt-out request to XXXX as per my rights under the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ) Requires financial institutions to protect consumers personal information and provide opt-out options for data sharing with third parties.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681-1681x ) Governs how consumer credit information is shared and used, including requirements for consent and opt-out provisions.

3. Federal Trade Commission Act ( FTC Act ) ( 15 U.S.C. 45 ) Prohibits unfair or deceptive practices, including unauthorized sharing of personal data. I requested that my personal information not be shared with third parties. Despite this clear directive, I have become aware that my information has been disclosed without my consent, in direct violation of my opt-out request.

This unauthorized disclosure is a serious breach of my privacy rights and may also constitute non-compliance with applicable federal and state privacy laws.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
**Subject : Formal Dispute and Demand for Immediate Resolution of Unauthorized Asset Transfer Under UCC** To Whom It May Concern at XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX and LVNV Funding LLC : I am writing to formally dispute the unauthorized transfer of my alleged assets to Resurgent Capital Services and LVNV Funding LLC XXXX At no time have I entered into a contractual agreement with your entities, nor have I provided consent for such actions. This constitutes a violation of **UCC 1-103** ( obligation of good faith ) and **UCC 1-308** ( reservation of rights ), as your claims lack lawful authority and factual basis.

This unilateral action has caused financial harm to my principal account, violating **UCC 3-501** ( presentment and dishonor ) and **UCC 3-305** ( defenses against holders in due course ). I hereby explicitly state that I **do not consent** to these proceedings and demand the following under applicable UCC provisions : 1. **Immediate Return of Assets** - Under **UCC 2-201** ( Statute of Frauds ), no enforceable contract exists without written agreement.

- **UCC 9-625** entitles me to damages for unauthorized disposition of collateral.

- Return all assets to their original status and cease all claims.

2. **Full Accounting Disclosure** - **UCC 9-210** mandates a detailed accounting of obligations and collateral upon debtor request. 
- Provide a complete, itemized breakdown of transactions, fees, and charges within 10 business days.

3. **Validation of Assignment** - **UCC 9-406** and ** 9-408** require valid proof of assignment to enforce claims.

- Furnish a copy of the legally enforceable assignment agreement, including chain of title under **UCC 9-613** and ** 9-614** ( contents of notices ).

**Cease and Desist Directive** : Per **UCC 1-207** ( now 1-308 ), I reserve all rights and demand an immediate halt to all communication and collection efforts until full compliance with the above.

**Legal Notice** : Failure to resolve this matter within 10 business days will compel me to pursue remedies under **UCC 3-305** ( defenses against enforcement ) and ** XXXX ( civil penalties for noncompliance ). 

Sincerely, /s/XXXX XXXX XXXX XXXX 
XXXX [ Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-23 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: MO

Complaint narrative:
This complaint is in regards to a charge off on my credit report, I'm not sure who is reporting wrong either the bureau or XXXX XXXX. Transunion.and Equifax have been reporting that on XXXX XXXX account that I pay {$1.00} every month to Re-Age my account this has been going on for XXXX years. Please remove this entire account from my credit report. According to FCRA Section 605 ( c ), Creditors, collection agencies, or credit bureaus, if they Re-Age your account by reporting the date of last activity instead of the date of the last delinquency. They have been lying to keep the last activity to {$1.00} a month, updating, my account each month. The account was closed XX/XX/year>. According to the credit report pulled XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I cant necessarily see the transaction because navy federal is blocking access from me from my account but it was numerous purchases from a retailer or company called XXXX from the ranges of XXXX purchase going well over XXXX Dollars was taken from my credit card I notified navy federal they issued me credits for the trouble and stated a investigation will be conducted once the investigation was concluded all I seen was my credit card maxed out by XXXX dollars at that time and no explanation or details on why only just that no fraud occurred when I told them numerous times that Im not associated with that account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) sued Experian on XX/XX/year>, because Experian failed to properly investigate consumer disputes. 

Account Name : XXXX XXXX XXXX XXXX  Account BALANCE : {$440.00}

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 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My car was repossessed for two bill payments, when I bought the car I put about {$9000.00} down than they sold the car for about {$22000.00} the car when I bought it was {$28000.00} so to my understanding I should not owe this bill to any 3 rd party collection agency if car is sold even the loan officer spoke with me an say the car was sold an accounts closed it should not be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Open bank XXXX XXXX XXXX  claims to be FDIC insured under another institution. So I looked up both. Nothing under the larger bank offers the high rate of 4.50 % so I wondered. Santander offers of one percent. No place on the FDIC site lists open Bank at this location or credentials. There are others under this name, but they are not this bank... They have lied to me twice, thank goodness I did not deposit any money yet, but I did open an empty account. Then I locked down my credit report when I began to distrust.

? 2025 Santander Bank, N.A. All rights reserved. Openbank is a division of Santander Bank, N.A. Member FDIC.Deposits at Santander Bank and Openbank are combined for the purposes of calculating FDIC insurance limits ( FDIC Cert # XXXX ) and are not separately insured. 
I waited for a call back from them so they could explain. I think they are a scam bank. Please look into 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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I have several bank accounts that when I feel physically well I just go to XXXX XXXX XXXX etc go to register and pay a fee. On the holidays when relatives mailed me a check or neighbors gave me one I successfully snapshot both front and back and now they were cussing and laughing at me calling me crazy that I didn't know how to do this before. They threatened to close XXXX XXXX XXXX  and a couple of others. It's none of their business but I have been seriously ill with XXXX and am awaiting XXXX. I need my.mobile cash restored and they're threatening interference with all banks, XXXXXXXX XXXX XXXXXXXX or XXXXXXXX XXXX XXXX etc... i need mobile check for my tax refund and payroll checks plus my neighbors who write me checks to. Unfair unacceptable to be smart mouthed by meddlesome Georgians. Please help me so they will stop and I can mobile deposit instead of taking less than the check amount at a grocery store which can go into my financial institutions.

Company response to consumer: Closed with explanation