vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have an HSA savings account with HSA Bank ( www.hsabank.com ), a division of Webster Bank, N.A. I transferred some of the money into a " HSA Invest '' account with the same bank. In that account, the money would be invested into a variety of funds. On XX/XX/XXXX, the investment account had about {$7500.00} worth of investments. 
On XX/XX/2025, I sold {$500.00} of the funds in the invest account to have the money available in the savings account which I needed for medical expenses. The investments were sold but never transferred into the savings account. I called the customer service number and was told to give it more time. On about XX/XX/XXXX, the transaction appeared as " failed '' in my online account and the money was reinvested. I called and was told the problem had been fixed and I should try the transaction again. The customer service representative confirmed that I had done what was necessary on the website for the transaction. On XX/XX/2025, I sold {$500.00} of the funds. Again, the funds were sold but the money was not transferred to the savings account. About 3 weeks later, the transaction appeared as " failed '' in the online account and the funds were reinvested. I called and again was told that the issue had been resolved and I should try it again. On XX/XX/XXXX, I sold {$2000.00} of funds. That same day, I was told the funds would be available Monday, XX/XX/XXXX. As of XX/XX/XXXX, the investments have been sold but not transferred to the savings account which is exactly what happened for the previous two attempts. 
Since XX/XX/XXXX, I have called them 12 times and have spent over 5 hours on the phone. Each time I talk to them, the either tell me there is an open ticket to address the problem and there is no update or the problem has been resolved. No one knows what the issue is or was even after it has been " resolved ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: WI

Complaint narrative:
On XX/XX/year>2024 I filed a dispute with Transunion credit reporting agency requesting them to reinvestigate some information that I believe is being reported inaccurately under this account by the name of XXXXXXXX XXXX If you look at the documentation that I uploaded with this complaint of the dispute results from Transunion. You will clearly see this account was charged off by XXXXXXXX XXXX with a past due balance owed in the amount of {$1200.00}. Which the balance should show as {$0.00} because the company cancelled the debt and written it off on their business taxes for profit with the Internal Revenue Service ( IRS ). Which is also now considered to be individual gross or ordinary income for me as the consumer according to federal tax laws. And income does not supposed to be reported on any consumer reports according to the Fair Credit Reporting Act laws.

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a phone call regarding a possible unpaid debt from Chase Bank, claiming it was a breach of contract. The caller stated they represented Chase Bank and informed me that I was being sued, with my county courthouse set to issue a summons for court appearance. The mediation company, XXXX XXXX XXXX, warned that this could lead to a 25 % garnishment of my wages from my employer. 

They claimed that I had received a letter from Chase Bank on XX/XX/XXXX, regarding settling the overdue amount. I never received a letter from Chase Bank. However, no account number was provided. They alleged that I owed for a credit card account with Chase Bank that was active from XXXX to XXXX. They also mentioned that they had accessed my credit report, which showed an original amount owed of {$2900.00}. 

The company proposed a settlement amount of {$5600.00}, including taxes and fees. They warned that if I did not pay, a derogatory judgment would affect my credit. They attempted to negotiate a payment plan with me and put me on hold several times to explore flexible terms. 

If I agreed to pay the {$5600.00}, I would have between 10 and 20 months to complete the payments. Under the 20-month plan, my monthly payment would be {$280.00}. The alternative option was to settle for {$3000.00}, which would require five monthly payments of {$600.00} each. Both payment options would require an immediate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: OH

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX { Last 4 SSN : XXXX } Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Equifax Dispute Resolution Team , I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : 1. ACCT NAME : Open Date XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Discharged XXXX Bankruptcy XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: LendingUSA
State: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Compensation Regarding Lending USA Account Reporting Violations To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the inaccurate and unjust reporting of a debt by Lending USA on my consumer credit report. The details of the reported account are as follows : Account Number : XXXX Account Type : Installment Account Date Opened : XX/XX/XXXX High Credit : {$9900.00} Balance : {$0.00} Payment Status : Charged off as bad debt Comments : Purchased by another lender Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I am contesting this account 's reporting for the following reasons : XXXX. Failure to Provide a Form 1099-C : Lending USA reported this account as a charge-off, which under 26 U.S. Code 6050P requires the creditor to issue a Form 1099-C to notify the consumer of the debt 's cancellation as taxable income. I never received this required documentation, which is a violation of federal tax law. 


2. Unauthorized Disclosure of My Information : Lending USAs report indicates that this account was " Purchased by another lender '', suggesting they sold my information to a third-party entity. According to 15 U.S. Code 1681b, this disclosure requires my written consent, which I never provided. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 


3. Violation of My Cease and Desist Request : I previously submitted a Cease and Desist request instructing Lending USA to halt all communications and unauthorized sharing of my personal information. Despite this, Lending USA continued to act in direct violation of my request, further breaching my rights.

4. Defamation and Financial Harm : Lending USAs wrongful reporting has caused my family and me significant financial hardship. By falsely presenting this account as a charge-off without properly following legal procedures, they have unjustly defamed my character and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Kikoff Inc.
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
When DOGE illegally accessed my student loan data, they did so without my permission. I was not contacted by my student loan service provider, I was not contacted by the Department of Education, nor was I contacted by DOGE requesting permission to access my student loan data and information. I will also be making a complaint regarding FERPA being violated as well. I do not trust that my student loan data is safe, secure, or private anymore and I do not trust that any financial information is correct now that these unconfirmed, XXXX clearance retaining teenagers and XXXX XXXX XXXX have had access to my student loan data. Their gaining access to my student loan data has not only presented me with doubts that the financials are correct, but concerns that my private information has been collected, viewed, and disseminated illegally, without my permission, and against all rules and regulations set forth by the terms of my student loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I am submitting this complaint because I believe the credit reporting agenciesXXXX, XXXX, and TransUnionhave continued to report and share student loan information that was part of a FERPA-protected record which was breached or mishandled without my knowledge or consent. This constitutes a violation of my federal privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ). The ongoing publication of this compromised information on my credit report has caused serious harm to my financial and emotional well-being. I am requesting that the credit bureaus immediately investigate the source and handling of this data, remove any records tied to the violation, and provide documentation confirming that my protected information is no longer being reported or shared unlawfully.

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 2025-03-21 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: FL

Complaint narrative:
I am submitting this complaint because I believe the credit reporting agenciesEquifax, XXXX, and XXXX continued to report and share student loan information that was part of a FERPA-protected record which was breached or mishandled without my knowledge or consent. This constitutes a violation of my federal privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ). The ongoing publication of this compromised information on my credit report has caused serious harm to my financial and emotional well-being. I am requesting that the credit bureaus immediately investigate the source and handling of this data, remove any records tied to the violation, and provide documentation confirming that my protected information is no longer being reported or shared unlawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I am submitting this complaint because I believe the credit reporting agenciesXXXX Experian, and XXXX continued to report and share student loan information that was part of a FERPA-protected record which was breached or mishandled without my knowledge or consent. This constitutes a violation of my federal privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ). The ongoing publication of this compromised information on my credit report has caused serious harm to my financial and emotional well-being. I am requesting that the credit bureaus immediately investigate the source and handling of this data, remove any records tied to the violation, and provide documentation confirming that my protected information is no longer being reported or shared unlawfully.

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 2025-03-21 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-03-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Starting XX/XX/year>, I received emails addressed to me but the debt belonging to someone who isnt me. I have they account numbers, reference number, address and amount of debt owed even if they would like to settle they debt with 50 % off. I also believe that my debt information was also sent out to other people with the same information as I received from others. 
You have also placed this debt on my credit report without validation and the amount owed was never provided as it wasnt told that I had a balance never giving me a chance to rectify the balance because I had no knowledge.

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