vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I opened a SoFi bank checking and savings account along with investments with them. Maybe a couple of months later I see activity taking place that I did not do and also a chat conversation that wasnt me, so I called SoFi and they seen activity that tried to change my info but they could t provide id verification so they had me take a picture of my ID and a selfie and they said they will put a security alert on my account. The issue continued and I was told I owed money to them but I never borrowed anything from them. I made a complaint and an account manager called me and told me a few things but said she will give me apiece of mind and then there was funds on my account. I inquired about it and then they restricted my account till there security member spoke to me so I spoke to a security member and he told me they will be lifting the restrictions but next thing I know they closed my account stating I violated there terms and agreements but would not tell me the reason. My job just had deposited my paycheck and they would not let me access it so I could not provide for myself because of that. My investments they kept open but I can not withdrawal them and it seems they want to keep them because as days go by my money investments drop as well. I had spoken to there security member regarding unauthorized activity several times. I work a minimum paying job and focusing on succeeding in life and its a fair how I feel they are discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Bankruptcy is unverified by the XXXX XXXX  XXXX and court trustee of the XXXX XXXX XXXX XXXX XXXX XXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXX XXXX XXXXXXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Per " XXXX FAQs About Income-Driven Repayment Plans '' .. '' other acceptable income information can include pay stubs or a letter from your employer. After you submit your application, it will be processed over the next few weeks. '' [ https : //studentaid.gov/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. ] This is not the case with Nelnet. Nelnet refuses to accept employment verification letters for self employed former students and to process the change from SAVE plan to Income Base Repayment Plan application. 

I also submitted my IBR plan/recertification application through StudentAid.gov/idr. [ " What if my income or family size changes but Im already enrolled in an IDR planSubmit a new application for an IDR plan at StudentAid.gov/idr. When asked to select the reason for submitting the application, state that you are submitting documentation because you want your servicer to recalculate your payment. Be sure to include all required documentation to avoid delays ( see below ). 
Submit additional documentation to your servicer directly online though their website '' [ https : //studentaid.gov/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 ] I did all of the above, still Nelnet is refusing to recalculate my payment which IS EXTREMELY HIGH $ XXXX. IN ADDITION, NELNET IS REFUSING TO REGISTER ONLY ONE DIRECT CONSOLIDATED LOAN FOR ME, and is dividing MY CONSOLIDATED DIRECT LOAN ON TWO -XXXX  CONSOLIDATED DIRECT AND XXXX CONSOLIDATED DIRECT. 
THIS IS A FRAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of a collections account listed on my credit report by PROCOLLECT , INC under account number XXXXXXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX  under account number XXXX, XXXX XXXX under account number XXXX and XXXX & XXXX XXXX XXXX account number XXXX. I believe this account is either inaccurately reported or should not be reported at all. 

Basis for Dispute : The case XXXX v. Gravens, XXXX XXXX XXXX, XXXX ( Mo. ), highlights that creditors and debt XXXX are required to follow proper legal procedures when seeking to collect on a debt. The court in this case found that debt XXXX XXXX not rely on inaccurate or improperly validated debts, and that debt collection activities should comply with the requirements set forth under Missouri law, including appropriate documentation and proof of debt ownership. 

According to this ruling, XXXX v. XXXX, debt XXXX must provide clear evidence of the legitimacy of a debt and their right to collect on it. The court emphasized that an account must be properly validated, and any dispute raised by the consumer must be addressed in a timely and adequate manner. The case also underscores that debt XXXX are prohibited from continuing collection efforts without sufficient evidence to substantiate the debt. 

Specific Concerns : Inaccurate Information : The accounts in question does not reflect accurate or verifiable information about the original debt, and I have not been provided with proper validation or documentation as required by law. 

Failure to Provide XXXX of XXXX : I have not received proper documentation demonstrating that the debt was validly transferred or assigned to the current collector. As per XXXX v. XXXX, the debt collector has not met the legal requirement to provide this proof. 

Improper Reporting : The collection agency has failed to adhere to the procedural requirements for reporting debts, including notifying me of my right to dispute the debt and to request verification, in violation of my consumer rights under both Missouri law and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-09 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I owe a debt to XXXX and was paying on it they sent it to collections to harass me to pay more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was created back when I was XXXX and it was created as a joint account. In XXXX I received a letter to update my address because my mom had a foreign address listed in her account. I made the update on my end but did not think my mom had to update on her end since she no longer had an account with Wells Fargo. On XX/XX/XXXX my account was closed and my money disappeared. Wells Fargo told me I would receive a check within 4-5 days. It is now XX/XX/XXXX and I have not received a check. I called Wells Fargo and they told me it would take 15 business days. Its ridiculous to leave someone without their money for that long. They shouldve overnight it.

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 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Resource Systems, Inc
State: AL

Complaint narrative:
I called into the company and told them I had no knowledge of the name of their company. I then asked for a copy of what I owed and the contract. I was told that they couldnt work with me and my credit would just suffer unless I paid the debt to them. I even tried to settle and the guy told me yeah he would do that then in the conversation he said no I dont think I want to work with you on the debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-09 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: TrueAccord Corp.
State: IL

Complaint narrative:
My information was exposed in a data breach since then my credit score and report has been compromised and impacted substantially. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My information was exposed in a data breach since then my credit score and report has been compromised and impacted substantially. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My information was exposed in a data breach since then my credit score and report has been compromised and impacted substantially. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AL

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. **Account Name : ** XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: OK

Complaint narrative:
Bankruptcy is unverified by the XXXXXXXX XXXX XXXX and court trustee of the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXX XXXX  XXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On or around XX/XX/2025, my personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach of contract is a clear and undeniable violation of FERPA- as it is your responsibility to safeguard my information in accordance with the referenced law and other privacy laws in place.

Given the severity of this breach and as a result, the unauthorized compromise of my sensitive, financial, and personal information, Under the Privacy Act of XX/XX/1974 ( 5 U.S.C 552a ) federal agencies, such as the Department of Education, is legally supposed to ensure that MY records are used only for the reasons given, or seek the person 's permission when another purpose for the records ' use is considered necessary or desirable ; or, provide adequate safeguards to protect the records from unauthorized access and disclosure. They have notably failed to adhere to this privacy act due to recent third parties accessing my information without notice, as stated above, which is in breach of contract and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am filing a complaint to formally address my concerns regarding Zelles handlings of dispute. Despite using Zelle plenty of times and reporting discrepancies, both my financial institution and Zelle failed to investigate adequately. I had all the proof. I believe they didnt investigate properly just because of the way Zelle rules are setup. CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against XXXX for their refusal to rectify false information on my credit report, which has severely impacted my creditworthiness and caused undue distress. 
A few months ago, I discovered that XXXX had erroneously reported an open account under my name, despite the fact that I had an active contract with them that was paid in full each month. I have repeatedly contacted XXXX and the credit bureaus to address this issue, but they have consistently refused to remove the inaccurate information from my report. 
In an attempt to resolve this matter, I visited a XXXX store on XX/XX/XXXX and provided ample documentation, including a police report and an FTC report, which clearly indicated that I am a victim of identity theft. Despite this evidence, XXXX staff insisted that I make a payment of {$130.00} to have the issue resolved. Under duress, I made the payment in-store on XX/XX/XXXX. 
Several months later, I received a letter from XXXX confirming that the account had been paid off. However, the false information continues to affect my credit report negatively. XXXX 's refusal to correct this mistake despite clear evidence has caused me significant financial and emotional stress. 
I am requesting that the CFPB conduct a thorough investigation into XXXX 's handling of this matter and ensure that the inaccurate information is promptly removed from my credit report. I am also seeking accountability for the undue distress and financial impact caused by their negligence. 
Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
These are the accounts that I have marked as inaccurate. XXXX 's. XXXX. Any other accounts showing derogatory.

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 2025-02-09 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: OK

Complaint narrative:
Bankruptcy is unverified by the XXXXXXXX XXXX XXXX and court trustee of the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXX XXXX  XXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

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 2025-02-09 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: LEXISNEXIS
State: OK

Complaint narrative:
Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the Northern District of Oklahoma Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the accounts I am requesting to be delete : XXXX. XXXX XXXX/ XXXX XXXX. XXXX XXXX/ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation