vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Reference : Complaint # XXXX submitted on XX/XX/XXXX. 

While I appreciate Newrez waiving the late fee which should not have been assessed in the first place, I am troubled by a statement which was made by Newrez in its reply to the referenced complaint above. That statement included an effective date which was not factual. 
In the reply, Newrez stated : Upon research of the issue, we determined that our records show, a notice was issued on XX/XX/XXXX, that the Private Mortgage Insurance ( PMI ) was removed from your account with an effective date of XX/XX/XXXX. 
Contrary to this claim by Newrez that I was notified with an effective date of XX/XX/XXXX for the removal of the PMI, the actual effective date was XX/XX/XXXX. And that led me to make a full payment less the PMI charge, which came to {$3400.00}, on XX/XX/XXXX. 
To substantiate that the effective date was indeed XX/XX/XXXX, please see attached communication from Newrez which was sent to me on XXXX XXXX, XXXX. In that electronic message, Newrez clearly indicates that the PMI was cancelled on XX/XX/XXXX, with an effective cancellation date of XX/XX/XXXX. 
Further, there was a delay in this whole process and as the attached letter shows the LTV came to 70.98 % which was about 10 % less than the minimum criterion of 80 % to qualify for PMI cancellation. With that, the PMI on my loan should have been cancelled much earlier in time.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXXXXXX Consumer Portfolio Services XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information/no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

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: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information. 

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( XXXX ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA. 

The following account ( s ) remain inaccurately listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finances LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : incorrect information/no knowledge of these accounts Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA.

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a coinbase one advanced subscription for {$290.00}. On XX/XX/XXXX, After logging into my coinbase app at an airport in XXXX while traveling, my deposit and trading services were disabled. I request for them to be reinstated on XX/XX/XXXX, and I heard back on XX/XX/XXXX, that they could not be reinstated, but I could submit a request again on XX/XX/XXXX. 

Upon hearing this unfortunate news, I cancelled my coinbase one advanced subscription, as unlimited {$0.00} fee trades provides no value when my account can not trade in the first place. I was annoyed however as I had paid for a whole month but for the second half of the month I could not use the benefits. On XX/XX/year>, I asked the coinbase representative for a refund of 50 % of the coinbase one advanced fee because of this, but they would not grant this as I did not qualify for a refund.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or 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 XXXX XXXX  debt in full.

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: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or 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 XXXX XXXX debt in full.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. XXXX XXXX was given access to my personal and financial information without my consent or 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 XXXX XXXX debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I submitted a dispute through XXXX for this collection agency, I have no idea what this company is or why I have this collection account. In this dispute I asked for a contract with my signature or something form this company that they can send me to show I owe this alleged debt. As I can not verify this debt how do I know this isnt someone on the internet who has gotten my information and is trying to make me pay something I may or may not actually owe. This disputes was resolved on XXXX XXXX verifying this alleged debt the problem is I have still not received anything in email or in actual mail proving I owe this debt yet this company keeps saying the debt is verified but they will not prove me the contract that I signed that shows I owe this alleged debt and it is severely damaging to my credit report. Now on XXXX is shows I have this account in collections but when I now try to dispute this account it says I do not have anything in collections so Im not even sure why it showing it on my credit report yet I can not dispute it anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CKS Prime Investments LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately. 

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ).

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) 1345.01 if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. 1692k ).

- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**.

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased.

- **Cease credit bureau reporting** unless legally required.

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809.

**Enclosed** : [ Optional : Include a copy of their initial collection notice if available. ] Send all legally required correspondence to my address above. Failure to comply will result in complaints to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and the **Ohio Attorney General** . 

Sincerely, 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 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: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
My personal and financial information was accessed and compromised without my authorization, constituting a breach of security. Under the Family Educational Rights and Privacy Act ( FERPA ), educational institutions and related entities have a legal obligation to protect the confidentiality of student records. This breach represents a clear violation of FERPA and your duty to safeguard my personally identifiable information. I request immediate corrective action and any applicable remedies for this violation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Experian, equifax, and transunion letters regarding accounts on several occasions from XX/XX/XXXX. 
I been working with XXXX XXXX for XXXX and they have been sending letters about removing debt since XX/XX/XXXX. Some accounts only been removed from certain credit agencies.

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: TX

Complaint narrative:
I sent Experian, equifax, and transunion letters regarding accounts on several occasions from XX/XX/XXXX. 
I been working with XXXX XXXX for XXXX and they have been sending letters about removing debt since XX/XX/XXXX. Some accounts only been removed from certain credit agencies.

Company response to consumer: Closed with non-monetary relief
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: MD

Complaint narrative:
I am filing this complaint because I believe my private student loan information has been accessed illegally, violating my rights under FERPA and other consumer protection laws. Recent reports indicate that XXXX XXXX and his team have gained unauthorized access to the Department of Education 's systems, which store sensitive borrower data, including Social Security numbers, loan details, and financial records. This unauthorized access raises serious concerns about privacy, security, and the integrity of my student loan account, and I have lost confidence in my loan servicer and the Department of Education to protect my personal information. If my data has been compromised, this is a breach of trust and legal protections, and I should not be held responsible for loans that may have been mishandled, accessed, or altered without my consent. XXXX XXXX XXXXXXXX Due to this breach, I am formally requesting that my student loans be dismissed. If third parties, including XXXX and his team, have had access to my financial records without my permission, my loan balance, repayment terms, and account status could have been tampered with or misused in ways beyond my control. As a borrower, I should not be expected to repay loans when the security of my data has been compromised at the highest levels of government oversight. Furthermore, I demand a full investigation into whether my personal data was accessed, how it has been used, and whether any changes or unauthorized activity have occurred within my loan account. The CFPB must hold all responsible parties accountable and ensure that borrowers like myself are not forced to suffer financial consequences due to a system-wide failure to protect our private information. Until this matter is resolved and full transparency is provided, I will not accept any obligation to repay loans that may have been subject to unauthorized access, data breaches, or mishandling by government agencies or third parties.

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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
IN REGARDS TO THIS XXXX THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer reports Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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: Electronic communications — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from Medical Data Systems. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. 

I do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. 

As a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : XXXX. ) A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. 
XXXX. ) A copy of any contract or agreement that allegedly binds me to this debt with MDS. 
XXXX. ) An explanation of how this company obtained my personal information and from whom it was acquired. 
The use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns, as well as concerns of my medical information being reported to any reporting agency. 

I urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse. 

I appreciate your prompt attention to this matter and request confirmation of receipt of this complaint, as well as any updates regarding the investigation. Please do not hesitate to contact me should you require any additional information.

Company response to consumer: Closed with explanation