vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My XXXX XXXX and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX XXXX XXXX XXXX  and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-17 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: CA

Complaint narrative:
I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX XXXX XXXX XXXX and personally identifiable information ( PII ). 
2. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
3. My IRS tax transcripts were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Called apartment complex when collection appeared on my report and I spoke with XXXX XXXX and she told me that the collection was valid and that I had to pay through collection company. No proof was provided. I called again on XX/XX/XXXX XXXX to request proof of {$400.00} debt owned and I did not receive and was told to contact collection company. The last communication that the apartment sent was when they emailed me a payment reminder from XX/XX/XXXX stating " Dear resident, This is a reminder that rent is due. A 10 % late fee has been added to account and is shown in the amount below. We do not accept money orders for payment. You must pay the below amount in full with a cashier 's check or by going online to XXXX. We do not accept partial payments!! {$750.00} You have until XX/XX/XXXX to pay the above balance in full. There will be no exceptions. Your file will be sent the attorney on the XXXX to begin eviction process if payment is not received. If you feel the above amount is incorrect or that you do not owe a balance please contact the apartment office immediately. Sincerely, XXXX XXXX. 

This document was sent in a pdf file and it did not reflect the amount showing on my credit report with original balance of {$400.00} and new balance with added fees of {$450.00}. This does not show any proof of where the {$400.00} amount came from nor that there were any attempts to communicate this balance owed.The last email from apartment was on Thursday, XX/XX/XXXX. I paid rent and moved out of the apartment in XXXX and never received any more communication or contact by any other methods. It was not until XXXX {$400.00} was added to my credit report ( 4 years after I moved out of the apartment ) and I am very unclear of what these charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting a complaint regarding unauthorized transactions resulting from a data breach at TD Bank. Due to the exposure of my personal information, including my Social Security number, phone number, address, and legal name, I suffered financial losses totaling {$8300.00} USD. 

Incident Summary : TD Bank Account Loss : {$4400.00} USD was fraudulently withdrawn via XXXX XXXX. 

XXXX Account Loss : {$3900.00} USD was transferred to unauthorized recipients. 

Fraudulent Scheme : Scammers, posing as TD Bank fraud department representatives, contacted me using my personal information. They sent a fake fraud alert, leading me to believe I was communicating with TD Bank. Under this pretense, they gained unauthorized access to my accounts and processed fraudulent transactions. 

Institutional Response : I promptly contacted both TD Bank and XXXX to dispute the charges. However, both institutions refused assistance, citing the transactions as " Friends and Family '' or " Authorized Charges. '' Since these transactions were made under fraudulent circumstances and stemmed from a data breach, I did not authorize them. 

Requested Action : I request : A full reversal of the unauthorized transfers totaling {$8300.00} USD. 

An investigation into TD Banks data breach and its impact on my personal information. 

Measures to prevent further harm to my financial security. 

I urge the CFPB to take immediate action to hold financial institutions accountable for protecting consumer data and resolving fraud-related disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau fil-a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These + practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to addre. consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I a deeply concerned that my dispute may be mishandled a similar manner.

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 2025-02-17 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX $ charge from vendor XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX credited for damaged/melted door XXXX by vendor Bank of America credited {$1400.00} two weeks after opened dispute. 
Service was unwarranted, submitted texts, pictures, screenshot 's, proof of reevaluation by other pest vendors.Submitted letter of attempts to settle with vendor. 
XX/XX/XXXX Bank-of America denied claim saying company can charge for any service I received.

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 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Account was charged off by Gm financial and XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Ability Recovery Services, LLC
State: AL

Complaint narrative:
XXXX and XXXX Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. It is my understanding that you may have failed to comply with the necessary standards of due diligence, thus violating the regulations in place to protect consumers. Specifically, I believe this failure may have been due to negligence in your agency 's procedures for verifying the accuracy of my data.

As such, I am requesting that you take immediate action to investigate this matter and correct the inaccuracies within 30 days of receipt of this letter, as required by 15 U.S.C. 1681i. Additionally, should your investigation reveal that this issue stems from negligence or non-compliance with the relevant FCRA requirements, I will be seeking appropriate civil remedies for any harm caused, including but not limited to damages and any legal fees incurred due to your failure to comply with your obligations under the FCRA. 

Please provide me with written confirmation of the results of your investigation and any actions you have taken to correct the dispute. If you are unable to verify the information or correct the inaccuracies, I request that you remove this information from my credit report immediately.

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 2025-02-17 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: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Harris & harris ltd opened XX/XX/year> " I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and reflect my true credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX exp XX/XX/year> I paid my entire balance in full two weeks BEFORE the due date. Interest charge of {$53.00} appears on my next bill anyway! Received nothing but XXXX excuses and fine print XXXX  from customer service and supervisor, only a {$25.00} refund. {$28.00} still owed, and that amount is now overdue, which I assume will lead to more XXXX garbage fees from this criminal enterprise. CFPB, help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: OR

Complaint narrative:
I tried to use this company as a prepaid way to build credit after a catastrophic financial situation and fraud. I prepaid for XXXX cards at {$200.00} each. I Have had problems making payments, I have had my accounts hacked and used unauthorized. I told them several times and had to get new cards as well. This has caused a problem with my credit, so I tried to close accounts after I disputed some of the charges. They didn't stop the charges, and they didn't close the account when I tried to do it online before I would have had any late fees. They did not even cancel the cards when I called months ago also not fixing the charges and fraud, they are reporting wrong to the credit bureaus that I owe money, and I am months late on payments. I have been a victim of fraud and financial exploitation, and I have had nothing but problems with these accounts, I can not afford to have this ruin my credit I have been rebuilding, I want them to close accounts and not bill me for these charges and over spending which was not me and I tried to get resolved, Hours on the phone and online trying to get this resolved. I want no reporting and erase the accounts on all credit buraus or positive reporting. Wrong reporting and not resolving this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
This debt has been disputed. I was not aware of this debt and it was taken out without my authorization by my ex spouse from what i have been able to determine. He did pay on the account up to a point it seems. When i pulled a credit report i was made aware of the debt and have addressed it but it remains derogatory on my credit report. It should be completely removed and they may wish to work yo recover funds from him. I received no goods or services from this company and am not even aware of the nature or the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hard inquiries. I have realized alot stuff on my credit report is not from me and another address is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: MO

Complaint narrative:
XX/XX/year> XXXX. Billing Concerns Upon reviewing my invoices, I noticed that I was charged for XXXX separate packages : XXXX for the tummy tuck procedure and XXXX for the XXXX  XXXX Lift ( XXXX ) package. During the initial consultation, I explicitly requested that the XXXX be added as an enhancement to the tummy tuck package, not as a separate package. As a result, I was charged XXXX separate package fees, including XXXX separate {$250.00} deposits. 

Additionally, I noticed an unexpected increase in the price of the tummy tuck from the originally agreed-upon amount of {$4800.00} to {$5500.00}. I was not informed of this price change prior to the procedure, and I feel this increase was not adequately communicated. 

Furthermore, I was charged for the XXXX package, which included services I could not receive, such as the removal of XXXX liters of XXXX. Due to the nature of my tummy tuck, I was only able to have XXXX liter of XXXX removed, meaning I did not benefit from the full offerings of the XXXX package. I should not have been charged for a service I could not fully receive. NOR did I receive XXXX XXXXXXXX. It is my understanding that the XXXX was intended to be an add-on, rather than a separate, full-priced package. 




Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX plan XXXX

Company response to consumer: Closed with explanation