vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
What happened : I am filing a complaint regarding an account with XXXX that is being reported to the credit bureaus as a secured credit card, when in reality it is a spend card that operates more like a prepaid or charge card. This product is not a traditional secured credit card because : It does not offer a revolving credit line. 
I fund the account entirely with my own money, which is used as the limit. 
There is no formal credit extension, just a prefunded limit I can not exceed. 

By reporting this account as a secured credit card, XXXX is misrepresenting the product. This misclassification : Artificially affects my credit utilization, since it shows as a revolving account. 
Misleads lenders and credit scoring models about my credit profile. 
May violate FCRA requirements to furnish accurate and complete information. 

I submitted disputes to the credit bureaus, but I am escalating this to the CFPB because XXXX has not corrected or clarified the account type.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
What happened : I am filing a complaint regarding an account with XXXX that is being reported to the credit bureaus as a secured credit card, when in reality it is a spend card that operates more like a prepaid or charge card. This product is not a traditional secured credit card because : It does not offer a revolving credit line. 
I fund the account entirely with my own money, which is used as the limit. 
There is no formal credit extension, just a prefunded limit I can not exceed. 

By reporting this account as a secured credit card, XXXX is misrepresenting the product. This misclassification : Artificially affects my credit utilization, since it shows as a revolving account. 
Misleads lenders and credit scoring models about my credit profile. 
May violate FCRA requirements to furnish accurate and complete information. 

I submitted disputes to the credit bureaus, but I am escalating this to the CFPB because XXXX has not corrected or clarified the account type.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: TN

Complaint narrative:
I am disputing a debt that SST/XXXX  XXXX  agency has reported to the credit bureaus. This debt is either inaccurate, unverifiable, or not mine. I submitted a formal debt validation request via certified mail on XX/XX/XXXX, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), but the agency has either failed to respond or provided insufficient documentation. 

They have provided a copy of the original contract, however is it missing my signature. I had a revolving line of credit issued not a financial loan, as falsely reported to all three bureaus. They have failed to provide a complete payment history showing how the balance was calculated, legal proof of their right to collect the debt, compliance with state laws, and copies of the original account statements & charge-off statements. 

Despite this, they continue to report this item on my credit report and add interest along with late payment recording every month that passes. This account was created with XXXX XXXX back in XXXX, at no time since then did my account show up on my Credit Report as a loan or otherwise. After XXXX  went under and sold all their accounts to SST collections agency, my credit report shows a false balance and type of account in delinquency which I believe is a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. This unverified debt and inability to validate and verify with proper documentation required by the FDCPA, has negatively impacted my credit score.

I am requesting the CFPB to investigate and require the collection agency to either fully verify the debt or remove it from my credit report. 

I filed a dispute with all three credit bureaus but their investigation wasn't thorough and ruled in favor of the collections agency that has yet to verify anything to me or them. Not sure why it was waived as accurate when there is still much to be proven/verified. 

I spoke to a customer service agent from SST on XX/XX/XXXX, and they have different information on their end. They informed me of another balance, ( yet to be verified with proper documentation ), is much lower than what was reported to all the credit bureaus in XXXX of this year. That is very suspicious and absolutely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention 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 non-monetary relief
Consumer complaint received 2025-04-18 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: NCB Management Services Inc.
State: NC

Complaint narrative:
I submitted a dispute for this account on XX/XX/year>. I checked my report and I noticed that the account was removed from my report on XX/XX/year>. After checking my report a few days later, I noticed that this account was added back to my report. NCB Management failed to notify me within five business days that this account was added back to my credit report pursuant to FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries are not mines and never gave consent to any at all please remove all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
XX/XX/year> a Hard inquiry appeared on my credit report from the department of education ( Government ) I did not make this request I am not even in school or even applied for any schooling or loans. 
I have attempted to dispute but keep getting error on experian website stating page can not load

Company response to consumer: Untimely response
Consumer complaint received 2025-04-18 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: UT

Complaint narrative:
Please see XXXX XXXX reporting with the expiration date of the account to be removed. They are better at this than you and XXXX XXXX. They at least tell consumer 's when accounts will expire from their credit. I'm requesting this be removed based on their date reported on my credit report with XXXX. See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
Unknown to me, SoFi Bank didn't allow Third-Party Deposits. I was using my account for my brother 's Student Loan as he didn't have a bank account but needed to pay bills. SoFi, without letting me know or even explain or apologize, closed my account and froze these funds- including MY OWN funds.

Their inept support strung me along for weeks saying they would close my account in " one business day '' over and over. Eventually they decided they would send the money to the Originator ( Student Loan Servicer ). They only sent {$470.00} to the Servicer, when my account had over {$550.00} in it prior to the freeze. Where is this money? Where is the money SoFi claimed to send back to the Student Loan Servicer? Because the Student Loan Servicer doesn't have record of it, and according to SoFi they're not mailing me a check because " I'm not entitled to this money '' even though this was my personal bank account we were using as a joint account for over six months.

We did nothing fraudulent, we just didn't understand this wasn't something that was allowed, and now this money has been stolen from my brother by SoFi, and SoFi REFUSES at every turn to explain a plan of action for how much money they are sending back to people so we can reclaim it because my brother IS entitled to this money. They could've just asked to verify his identity and he would've done so, I would've added him as a Joint Accountholder after I realized that needed to be done. This Bank is an utter scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 

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. 

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX 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! 

Delete 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 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account was paid to the first collection agency. I explained to them that how can 3 collection agency try to collect on the same account. When I request the information the only letters they send is that they are collection agency collect ting on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Urgent Concern Regarding FERPA Violations and Student Loan Privacy Breach To whom this may concern, I am writing to formally express my concerns regarding potential violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE ) and its potential transfer to the Small Business Administration ( SBA ) in 2025. 
As a borrower of federal student loans, I entered into a contractual agreement with the Department of Education. My promissory note explicitly states that my obligations are to the DOE, and I did not consent to any transfer of my loan management to the SBA or any other entity. The reported move of student loan oversight from the DOE to the SBA under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower. 
Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of FERPA, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information. 
Given the gravity of these concerns, I respectfully request that your office : 1. Investigate whether the proposed transfer of student loans from the DOE to the SBA in 2025 constitutes a breach of contract and a violation of borrower rights. 
2. Examine whether this transfer or any related actions violate FERPA by exposing students ' personal and financial data to unauthorized entities. 
3. Determine whether third-party entities, including private individuals or corporations, have accessed or mishandled borrower information in a manner that infringes upon privacy laws.

4. Take legal action, if necessary, to protect borrowers from any unlawful or unconstitutional policies that may arise from this transition.

I urge your office to take swift action to prevent potential harm to millions of student loan borrowers who may be impacted by this unprecedented shift in student loan administration. Please provide guidance on what legal protections are available to borrowers in my situation and any steps I can take to safeguard my rights. 
Thank you for your time and attention to this urgent matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief