vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: TX

Complaint narrative:
I am filing a complaint against Systems & Services Technologies , Inc. ( SST ) for unfair credit reporting practices and refusal to allow a fair resolution of a debt account they acquired. 

Originally, I had an account with XXXX, which I was paying on time through autopay. In XX/XX/XXXX, XXXX filed for bankruptcy, but I was never notified of this, and continued making automatic payments. I only became aware of the account transfer to SST in XX/XX/XXXX. 

When I contacted SST, I was informed that the account had been converted from a revolving credit line into a fixed loan of $ XXXX for XXXX XXXX  totaling {$9000.00}, more than XXXX times the amount I originally owed. I never consented to this new agreement or received any formal notice explaining the change. 

I attempted several times to pay off the original balance, but SST refused to provide a payoff amount. Then in XX/XX/XXXX, I was told that since more than XXXX XXXX had passed, I was no longer eligible for a payoff and that the account would be reported negatively to the credit bureaus. 

As a result, my credit score dropped nearly XXXX points. I believe SSTs actions are deceptive, predatory, and possibly violate the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I am requesting that the negative reporting be removed and that my account be handled fairly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I bank with So-Fi online bank. 
I have both a checking and savings account with them. 

I received my Colorado state tax return of {$10000.00} that was deposited to my checking. They restricted my account when the money arrived. I was unable to access it it took over a week for them to investigate and unrestricted the account. Never had an explanation as to why they restricted it in the first place. They werent allowed to say. I guess it was ruled out as suspicious activity? 

Anyway, finally they unrestricted it for approximately 3 days and thats it. I transferred {$6000.00} of that deposit into my savings account through them the rest was left in my checking account. 

I transferred {$500.00} from my XXXX checking account to them ( I get paid / direct deposited through XXXX through my job and always save 20 % and then transfer the rest to them. Ive been doing this for over 3 months. ) So after this, they canceled the deposit of {$500.00} and suspended my account. 

I called customer service to get to the bottom of what was going on ; Why my account said restricted again. And they gave me NO EXPLANATION. I was told that they were closing my account and I may or may not ever see my money again. I asked to speak to someone higher up to them like a corporate extension or number to call about this and they refused to give me any information. They also refused to tell me why this was happening. 

Please help! I have XXXX kids under XXXX I needed this so that we could move back to Florida. This is very important. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries on my Equifax that do not belong to me and didnt Authorize They are 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 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 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 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  for continuing reporting of fraudulent and inaccurate information on my credit profile, despite prior disputes and a previous complaint filed with the Federal Trade Commision in XXXX. This account was opened fraudulently and was not authorized by me. I previously filed a complaint reporting this as identity theft. Additionally, it is currently being reported inaccurately and inconsistently across the three major credit bureaus causing significant harm to my credit profile. I have never opened or authorized this account. Despite this, the account remains on my credit report. The account is reporting inconsistently across the three major credit bureaus. The account is marked as a charge off repeatedly from XXXX  to XXXX, which is deceptive and in direct violation of Metro 2 reporting standards and the FCRA. I am requesting the FTC to investigate this matter as a violation of consumer protection law and identity theft protocols.

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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Collection Analyst Incorporated
State: NE

Complaint narrative:
I rented an event hall and paid over {$5000.00} using a credit card. Due to the businesss poor service, disrespect toward my guests, and failure to deliver what was promised, I disputed the charge with my credit card company. The business was notified of the dispute but still forwarded my account to a collection agency while the investigation was still pending. I requested information from them in writing, including a breakdown of charges and documentation of any chargeback decisions. So far, they have not responded with the requested documentation and are continuing to pursue collection efforts, which I believe is a violation. This has negatively impacted my credit and caused unnecessary stress, even though the credit card company has not made a final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  glitched and disabled autopay after it was setup, or never sent the toggled information to the server. As a result, payment was not made due to app fault on time, and customer only realized after letter arrived, then immediately paid balance. This resulted in a late payment derogatory remark on consumer 's credit report that is entirely a fault of the bank 's poorly designed app. This has greatly deteriorated the consumer 's credit score. The consumer has never had a late payment in their entire history until this card. This is not fair to the consumer to pin a app fault on the consumer 's unwillingness or inability to pay. The consumer has no creditworthiness issue but the bank has represented consumer to the credit reporting agencies as if there is an issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  glitched and disabled autopay after it was setup, or never sent the toggled information to the server. As a result, payment was not made due to app fault on time, and customer only realized after letter arrived, then immediately paid balance. This resulted in a late payment derogatory remark on consumer 's credit report that is entirely a fault of the bank 's poorly designed app. This has greatly deteriorated the consumer 's credit score. The consumer has never had a late payment in their entire history until this card. This is not fair to the consumer to pin a app fault on the consumer 's unwillingness or inability to pay. The consumer has no creditworthiness issue but the bank has represented consumer to the credit reporting agencies as if there is an 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX glitched and disabled autopay after it was setup, or never sent the toggled information to the server. As a result, payment was not made due to app fault on time, and customer only realized after letter arrived, then immediately paid balance. This resulted in a late payment derogatory remark on consumer 's credit report that is entirely a fault of the bank 's poorly designed app. This has greatly deteriorated the consumer 's credit score. The consumer has never had a late payment in their entire history until this card. This is not fair to the consumer to pin a app fault on the consumer 's unwillingness or inability to pay. The consumer has no creditworthiness issue but the bank has represented consumer to the credit reporting agencies as if there is an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Collection Analyst Incorporated
State: NE

Complaint narrative:
I am disputing a debt that was reported to collections by The Collection Analyst Inc. on behalf oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This account was submitted to collections while a credit card chargeback was still under active investigation with the credit card issuer. 

The chargeback was filed by the actual cardholder ( my mother ) because of poor service and mistreatment at the event. XXXX XXXXXXXX was fully aware that the transaction was under dispute. Despite that, they sent this debt to collections under my name before the investigation was concluded. 

I did not receive a full breakdown of the charges, signed contracts, or proof of any chargeback reversal. I also requested documentation showing the collectors legal right to collect the debt, and none was provided. 

This is a violation of : FDCPA ( 15 U.S. 1692e ) false or misleading representation of a debt FCRA ( 15 U.S. 1681s-2 ) furnishing inaccurate info while account is in dispute TILA Regulation Z ( 1026.13 ( i ) ) attempting collection during active billing investigation I am requesting this account be immediately removed from collections and properly retracted until the credit card investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I been dealing with credit Karma and they have slowly been taking money out of my account they will put a charge like " XXXX XXXX '' and they will withdrawn whatever the amount is. I notices this because i saw that charges were getting made and i froze my debt card only for it to nothing and a charge was still made with my card being frozen when i call i always end up speaking to a XXXX people individual who has difficulty understanding XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered unauthorized accounts on my credit file that I did not open. These accounts are clearly fraudulent. As outlined in 15 U.S. Code 1681g, I request they be removed from my report within 15 days. Attached are documents verifying my identity and dispute.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/year>.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing todisputethe validity of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting written verification of this debt, including the original creditors name and detailed documentation substantiating your claim.

Additionally, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : If you have reported this information to any credit reporting agencies, you are required to ensure that the information is accurate.

15 U.S.C. 1681i : I amdisputingthis information with the credit bureaus, and I expect a thorough investigation.

15 U.S.C. 1681c-2 : If this debt is related to identity theft or fraudulent activity, I request its immediate blocking from my credit reports, and I will provide supporting documents if necessary.

Please cease all collection activities until you have provided the requested verification. Failure to comply with these legal obligations may result in my pursuing legal remedies for violations of federal law.

Thank you for your prompt attention to this matter. I expect your response within 30 days ofreceivingthis letter, as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} Date Opened : XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

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