vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
In XXXX my credit card number was used to make XXXX unauthorized purchases all in a row totaling {$720.00}. I disputed these charges with Sofi but now they are saying the charges were authorized by me and putting them back on my account.

I have attached the mailed statement from Sofi and a snapshot of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Duvera Billing Services, LLC
State: OH

Complaint narrative:
Duvera Financial Services via XXXX , XXXX XXXX XXXX XXXX, XXXX mailed me a letter saying that I owed a debt from 2011 for which I have never entered into a contract for and have no knowledge of. I tried to contact Duvera Financial Services to request a copy of the debt but the number that they have listed is a non working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: MI

Complaint narrative:
Under the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq. ), I am entitled to full and accurate information and original documentation for anything you are trying to charge me with. Additionally, I am entitled to information regarding my loan balance, repayment options, interest rates, and any fees associated with XXXX XXXX XXXX, as well as access to my payment history and information about any potential deferment or forbearance options. Furthermore, I am entitled to all documents with my signature on them that I signed XXXX XXXX XXXX, which you are currently withholding from me. Please note that an XXXX spreadsheet does not constitute the conditions of a contract. 

The more I request and receive the same information from all entities, it seems that each one of you adds or modifies details in the documents you send. There are discrepancies compared to the original one I received in XXXX from XXXX. Everyone has conveniently added more information into the XXXX, and I do have the original encrypted message from XXXX that clearly shows this information wasn't there before. This is just a generic document, which is, number XXXX, not legible. According to contract law, the form must be legible. 

Moreover, the shutdown of Conduent due to poor loan servicing practices and my unsuccessful attempts to obtain documentation over the past five years only exacerbate my concerns regarding the validity of my loan. My records show no evidence of payments made from XXXX to XXXX, despite having utilized forbearances and deferments. 
To whom it may concern, I am writing to formally request the original documentation related to my loan, including all signed loan documents. It is imperative to note that I am not interested in a generic Master Promissory Note ( MPN ) or loan amount ; rather, I require the specific documents that bear my original signature. 

It has come to my attention that the documents you have previously provided do not reflect my consent and obligations accurately. Furthermore, despite my repeated requests, I have yet to receive a copy of the signature that appears on these forms. 

As per Colorado contract law, specifically referencing the statute signed by the Governor of Colorado, you are obligated to provide these materials within five days of my request. It is concerning that, as a financial institution tasked with the responsible handling of monetary transactions, you are unable to present the necessary documentation that underpins this loan agreement. 

I have 5 MPNs that are different from the last

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
I am reporting a third-party vendor that has purchased my personal and financial information without my consent and is attempting to collect a debt without having a valid chain of title to establish ownership. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), debt collectors must provide validation of the debt upon request, including proof of assignment and chain of title from the original creditor. This entity has failed to provide such documentation, violating my rights under the FDCPA. 

Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) prohibits the dissemination of inaccurate information, yet this third-party vendor has reported unverifiable debt to the credit bureaus. Under 12 C.F.R. 1022.42 ( Regulation V ), furnishers of credit information must conduct reasonable investigations of disputed accounts, which they have failed to do. 

Furthermore, per the Consumer Financial Protection Bureau ( CFPB ) Regulation F ( 12 C.F.R. Part 1006 ), a debt collector must have proper documentation to substantiate their right to collect. Without an unbroken flow of title from the original creditor, this entity lacks legal standing to claim the debt. Their failure to produce a proper chain of title violates consumer protection laws and constitutes unfair and deceptive practices under 15 U.S.C. 45 ( FTC Act Unfair or Deceptive Acts or Practices - UDAP ). 

I request that the CFPB investigate this entity for its violations of federal consumer protection laws and take appropriate enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am listing 2 accounts fraudulent from Experian Equifax and Transunion Credit Reports. XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX AUTHORIZEDUSER XX/XX/XXXX. I am listing XXXX inquiry fraudulent from my XXXX Credit Report. XXXX XXXX XXXXXX/XX/XXXX. Listed accounts and inquiry do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian Equifax and Transunion to mark these accounts and inquiry as fraudulent and remove from my Credit Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 2 accounts fraudulent from Experian Equifax and Transunion Credit Reports. XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX AUTHORIZEDUSER XX/XX/XXXX. I am listing XXXX inquiry fraudulent from my XXXX Credit Report. XXXX XXXX XXXXXX/XX/XXXX. Listed accounts and inquiry do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian Equifax and Transunion to mark these accounts and inquiry as fraudulent and remove from my 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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have consistently experienced issues with my PayPal Credit accounts. For reference, I hold both the PayPal Credit and PayPal Cashback Mastercard. 

With the PayPal Cashback Mastercard, every payment I made over {$50.00} resulted in my funds being held for several weeks. PayPal would withdraw the money from my checking account, yet my available credit wouldnt reflect the payment until much later. Despite never missing a payment or overdrawing the card, PayPal recently dropped my credit limit from {$700.00} to {$100.00}. Every other credit card I own has a limit of {$4000.00} or more. 

When I called to understand why, I was given a generic list of reasons that did not apply to me. My credit score had not dropped, my card had a XXXX balance, and my last paymentmade weeks priorhad fully paid it off. I maintained responsible usage, yet my limit was still drastically reduced. As a result, I closed the card. 

Just days later, PayPal then lowered my PayPal Credit limit as well. Again, I had never missed a payment, never accrued interest, and had consistently been responsible with the account. This was not the first time they had lowered my limit without cause. I have never faced this issue with any other credit card company. My credit had remained steadyuntil PayPals repeated, unjustified reductions began negatively impacting it. 

To make matters worse, I know this is unfair practice. My mother, who has a lower credit score, carries high balances, and has accrued interest on her PayPal cards, has never had her limit reduced. In fact, her limit is {$3000.00}, while mine started at only {$700.00} and has now been dropped to a mere {$100.00}. 

This needs to change. Many people rely on these credit lines during difficult times, and arbitrarily lowering limitsespecially when accounts are in good standingis unacceptable. The fact that every other credit line I hold is $ XXXX further highlights the unfairness of this practice. Because of PayPals actions, my credit has been severely impacted, and I urge you to find a solution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX 2. 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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Friday, it was raining outside, when i tried to book an XXXX  my card was not working. I tried to call Bank of America, my card number, account number, neither were working and appeared to be invalid as they don't exists. Next day, I take my time out, cancel my things, visit Bank of America office just to know my account number doesn't even exists. Later, get to know that my account was closed due to business reasons. I was informed at that time I will get my funds via mail check. Later, another department gave me another story, and I got to know that I need to visit branch to get my funds, I did the same step went to branch and tried to get my money. They gave me another number and I did contacted again JUST to know that my money wont be given to me until XX/XX/XXXX and later they tried to call me and informed me that the account wont be closed until disputes are finalized which could TAKE up to 90 days. In this economy, with no other bank account currently open, I am stuck with Bank of America as they are holding my funds for no reason, I hope CFPB helps me to resolve this issue and get my money back ASAP.

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 monetary relief
Consumer complaint received 2025-03-24 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: Nelnet, Inc.
State: NY

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: RI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I entered a contract with XXXX XXXX XXXX for the purchase of a new home. This was for a new construction home that would take about XXXX  months to complete and was located in the XXXX XXXX subdivision in XXXX, Texas. The address of the new home was XXXX XXXX XXXX, XXXX, TX XXXX K Hovnanian American Mortgage was doing the mortgage. 

I paid XXXX XXXX {$5000.00} for XXXX money, {$1500.00} at the design center and {$210.00} at XXXX for a total of {$6700.00} I was approved for the mortgage with the contingency that I sell my current home. I asked the K Hovninian mortgage company if I could lease my home and I was told no. Please look at the email dtd. XX/XX/year> that says " After looking further, you guys will need to sell ... '' While XXXX XXXX said that I could not lease my current home, many other mortgage companies that I applied with during that time period, did say that I could lease my current home. XXXX XXXX, XXXX XXXX XXXX XXXX are XXXX examples of other mortgage companies that approved me for a mortgage with the ability to lease my current home. I have included emails or pre-approval letters from these mortgage companies that state I could lease my home. 

When the house was completed about XXXX months later, I did not have my current home sold ; therefore, XXXX XXXX canceled the contract and kept my money. I believe that my current home did not sell because of the high interest rates. Many of the new home builders in the area were undercutting interest rates with rate buydowns. That made a new home more appealing then an existing home even though I was priced below new construction. Had I had the ability to lease my home, I would have had 6 months and a decent chance of finding a tenant, but I was denied the ability to lease my home by XXXX XXXX. 

When XXXX XXXX cancelled the contract, they then decided that I could lease my current home. Why the change? Please look at the attached emails that are dated in XXXX stating that I could now lease. 

After they cancelled the contract and about XXXX weeks later, they sold the house to someone else and used the design center money that I paid to make changes to the house for the new buyer. 

Additionally, the closing date on the new home was changed several times. That makes it hard for a buyer to know what to do. 

I believe that XXXX XXXX messed up my mortgage from the beginning. They put a condition on the mortgage and then denied me the ability to meet that condition. They should have allowed me the ability to lease my house as everyone else did. I believe that they should be accountable for their mistake and return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

Company 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