vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX " XXXX '' has responded to my complaint stating they understand my concerns, but has not confirmed it hasn't been accessed illegally, they have not confirmed my personal, and financial date including the IRS information has been accessed which means my Complaint is still valid. which makes XXXX response to my complaint invalid The severity of this breech and the violations that has been committed my student loan debt has the right to be cancelled because it invalidates the integrity of my loan agreement. I would like a formal investigation into this data breach including details of my records were accessed, who accessed them, and for what valid reason? this breach has caused significant distress and concern regarding the security of my personal and financial data. due to the response I am forced to escalate this matter through legal channels, including filing complaints with the Federal Trade commission ( FTC ) the CFPB and pursuing legal action against the responsible parties. I requested a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. My academic, personal data, and IRS records has been accessed. " Members of ( DOGE ) fed sensitive education department data including personally identifiable information for those who manage grants, and sensitive internal financial data from the agency-into an artificial intelligence software to access it's programs and spending. " DOGE has accessed sensitive financial data of millions Americans. the intrusion of individuals privacy is enormous and unprecedented ''. therefore I need it in writing that my personal and financial data has NOT been ACCESSED. XXXX response isn't addressing the matters of consumers such as myself, " someone who trusted XXXX XXXX  XXXX XXXX their sensitive information when we applied for XXXX aid loans and grants in reliance of the agency 's rules and other representations ''. XXXX as been violated as well this federal law suppose to protect the privacy of student education records. I'm not estatic with XXXX 's response it's not informative enough, it doesn't state the facts nor does it confirm these actions weren't taken, How did I know my information is secured? how am I out of millions of Americans information wasn't accessed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
XXXX XXXX XXXX " XXXX '' has responded to my complaint stating they understand my concerns, but has not confirmed it hasn't been accessed illegally, they have not confirmed my personal, and financial date including the IRS information has been accessed which means my Complaint is still valid. which makes XXXX response to my complaint invalid The severity of this breech and the violations that has been committed my student loan debt has the right to be cancelled because it invalidates the integrity of my loan agreement. I would like a formal investigation into this data breach including details of my records were accessed, who accessed them, and for what valid reason? this breach has caused significant distress and concern regarding the security of my personal and financial data. due to the response I am forced to escalate this matter through legal channels, including filing complaints with the Federal Trade commission ( FTC ) the CFPB and pursuing legal action against the responsible parties. I requested a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. My academic, personal data, and IRS records has been accessed. " Members of ( DOGE ) fed sensitive education department data including personally identifiable information for those who manage grants, and sensitive internal financial data from the agency-into an artificial intelligence software to access it's programs and spending. " DOGE has accessed sensitive financial data of millions Americans. the intrusion of individuals privacy is enormous and unprecedented ''. therefore I need it in writing that my personal and financial data has NOT been ACCESSED. XXXX response isn't addressing the matters of consumers such as myself, " someone who trusted Department XXXX XXXX XXXX their sensitive information when we applied for XXXXXXXX XXXX XXXX and grants in reliance of the agency 's rules and other representations ''. XXXX as been violated as well this federal law suppose to protect the privacy of student education records. I'm not estatic with XXXX 's response it's not informative enough, it doesn't state the facts nor does it confirm these actions weren't taken, How did I know my information is secured? how am I out of millions of Americans information wasn't accessed?

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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I don't remember the exact dates, but I know the timelines. 

Almost XXXX weeks ago, I went to a branch here in XXXX XXXX, it was the first and last visit there. I opened the account ( XXXX ) a few months ago. I have a personal checking and savings and a business checking ( debit cards for both checking ). 

In the branch I visited ( it is maintained mainly for business and private clients ), I had an appointment, I wanted to know more about the merchant services the bank could provide. 

The representative, a XXXX XXXX XXXX was really discriminating, due to my citizenship and age. I'm under XXXX and I'm an XXXX citizen, but I'm here in the XXXX legally, I'm living here and I was legally admitted. 

I was refused to open a XXXX XXXX Account, but I successfully opened the business account too earlier. 

After leaving the building and the branch, I got a phone call when I got home at XXXX XXXX. ( XXXX XXXX ) from the branch I opened the account. They were sorry but I have to go to the bank and close the account ( the business ). 

I feel like they wanted me to sign papers which I didn't wanted to. 

I went to another branch the next day and they said there's nothing to worry about, honestly, I didn't think so. Someone made an appointment in my name, on my profile so I decided to change everything on my account, phone number, email address and user ID for the online banking log-in. 

That's XXXX XXXX more problems started occur. 

I didn't go to the branch where I opened the account, I didn't want to close the account and it was just someone from a branch, not an official notification from the bank. 

My mother, who is NOT connected to my account got a phone call from the associate in the branch, who wanted to close my account and I told him I won't. He told me the bank will close my account otherwise ( can be closed ). 

Well, I got a business account, but after I opened and I'm a clear customer I should live in fear?! 

I don't think so. After all this, when I changed my credentials and I went to the closest branch to my home they said my account was flagged and I have to wait XXXX weeks every time I change my email and/or phone number. 

I was not able to access my money without going to the branch for days, not even to my personal. I couldn't even receive a code to log in to the online banking, because it was not working. 

Everyone says other things. 

I also blocked my bank cards and requested new ones since my PIN code is not working. Sometimes it's working, sometimes not. Well, I informed the bank but I'm not a valued customer.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Received the attached email from a XXXX XXXX. From a Company called Coinbase Trade Inc. Which is disabled. The email address XXXX does not exist. The Phone number actually belongs to a XXXX XXXX, or a XXXX XXXX, comes from a website XXXX  : XXXX which changes the name every time you open the page and search for the number. The Country code is XXXX. The Phone number XXXX does not belong to XXXX. I don't have a XXXX account or XXXX or Coinbase Trade account. The only XXXX XXXX that I came across was on XXXX. When this guy sent me a message asking if I was interested in XXXX, I reported him to X, and blocked him. But that was Months ago. There are Numerous Crypto posts on XXXX  and I block and report them too! The Country code for XXXX is XXXX. You should check out the phone number look up website and shut them down as they are obviously furnishing bogus names and numbers to hackers. I sent a phishing report to XXXX. XXXX thanked me for my Submission. No Money was exchanged or will ever be. Can't contact Coinbase Trade as they don't exist and is a Storefront for a Scam business and Hackers. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
i am a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-04-04 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/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 2025-04-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of XXXX XXXX  and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-04 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original creditor : Total card bank XXXX Missouri XXXX buyer who is contacting me, LVNV Funding LLC Account # : XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Debt amount : {$490.00} According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication. please remove this collection off of my credit report thank you.

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see validated proof ( an original XXXX XXXX with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX I demand the following accounts to be validated or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2025-04-04 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC Mortgage Services XXXX Inc filed in the XXXX XXXX in XXXX XXXX XXXX a Certificate of Satisfaction on my mortgage XX/XX/XXXX. 

Per the attached documents will show that HSBC Mortgage Services has committed various Federal Violations that has been settled in the XXXX for the District of Columbia XXXX XXXX No. XXXX " Consent Judgement '' and the following : XXXX. Consent Judgement XXXX. Letter dated XX/XX/XXXX from HSBC to CFPB that " servicing was transferred to Caliber Home Loans, XXXX effective XX/XX/XXXX '' and provided a copy of alledged " Notice of Servicing Transfer '' to the incorrect mailing address too. 
XXXX. Letter dated XX/XX/XXXX from Caliber Home Loans informing me that Caliber Home Loans transferred servicing back to HSBC Mortage Services , Inc on XX/XX/XXXX. So, there is no way HSBC could have transferred servicing in XXXX. VIOLATION OF RESPA and TILA XXXX. Email from Virginia XXXX of Financial Bureaus informed me that HSBC Mortgage Services XXXX XXXX licensed to service mortgage loans ended on XX/XX/XXXX. 

So, HSBC after their lawsuit was hiding loans from the Government both XXXX and XXXX. I am a victim of the illegal actions of these Creditors and Servicers to take my home from me that was Satisfied, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: ME

Complaint narrative:
I am filing this complaint to formally notify the XXXX of serious and ongoing violations by major credit reporting agenciesnamely Equifax, Experian, and TransUnionrelated to their failure to comply with both the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards set forth by the XXXX XXXX XXXX XXXX ( XXXX ). As detailed in my formal disputes, these agencies continue to report inaccurate and outdated account information that I have previously disputed, without providing any verification or compliance documentation as required under XXXX XXXX. XXXX ( a ). These violations not only damage my credit profile unjustly but also demonstrate systemic negligence and non-compliance with industry-standard procedures meant to ensure consumer fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
XX/XX/year> I attempted to call XXXX XXXX to inquire about a debt I may have from my previous residence. I never received a letter, statement, or any communication about owing a debt. I was told there was no account under my name and to file a location form, which I did. 
XX/XX/year> I called back as I havent heard anything about the location of my account. I spoke with XXXX. XXXX was able to find my account and I requested if the company can lower the balance or set up a payment plan. He said no. I hung up after informing him I could only pay {$100.00} right now and Id have to speak with my husband to see if we can pay more. I called back again shortly after and informed XXXX we could do {$1200.00}. XXXX said we have to pay in full. I explained we cant afford to pay {$2700.00}. XXXX right now and he said he could lower it to the original amount of {$2400.00}. Again, I said we cant afford that right now which is why I requested a payment plan or a settlement. XXXX said our account is new and he cant do anything. I requested an email address to get in contact with someone which he refused to give, I asked to speak with someone else and he refused to transfer me so I thanked him for his time and hung up. XXXX refused to provide an address, email, or any written communication. I have not received any documentation from the agency saying I owed them. The company I was told my account was with is XXXX XXXX but when I call it says IQ Data. I am not sure if I am speaking with the right people or if its a scam as no one will provide any information and said communication is only verbal. I am trying to resolve this debt the best way I can but I am not getting any help and XXXX refuses to assist or provide written communication.

Company response to consumer: Closed with explanation