vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I have had a Total Visa Credit card for more than 10 years. Late in XXXX, my family lost everything in a natural disaster, including both my Total Visa credit card and the debit card that was established as the source for autopayments to pay the balance on the credit card. We tried to search through the remains of our belongings. I held out hope for some time that I would find these and my other credit cards. In early XXXX, I gave up hope that the debit card would be recovered, so I reported it lost and received a replacement card. I had mistakenly thought that my autopayment was established with my bank account ( which wasn't affected by the card being reported lost ) and not the debit card, so my XX/XX/XXXX payment failed. I didn't receive notice of this failed payment. I wasn't made aware that there was any issue until Saturday, XX/XX/XXXX when the account was more than 30 days past due. I paid the past due amount and late fee within 10 minutes of the first notification that I received from Total Visa. I asked for the report of the delinquent account to be removed from my credit report because I didn't receive notice, but it was denied within days. I feel there was insufficient effort in investigating the breakdown in communication that led to me receiving no notice of this failed payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX Subject : Formal Dispute and Notice of XXXX XXXX Compliance Violation Account Number XXXX SOURCE RECEIVABLES MNGMN To Whom It May Concern : This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, regarding inaccurate and non-compliant information appearing on my credit report. Specifically, I dispute the collection account reported by SOURCE RECEIVABLES MNGMN, account number XXXX. I have no knowledge of this account, have never conducted business with this company, and believe this entry to be entirely fraudulent. 



Furthermore, I contend that the reporting of this account violates the XXXX XXXX Format Compliance standards, which dictate the proper formatting and content of information furnished to credit reporting agencies. The inconsistencies and errors within the reported data, including [ specifically identify the inconsistencies - e.g., conflicting dates, inaccurate balance reporting, lack of complete information as required by XXXX XXXX ], lead me to believe that this information does not adhere to the required reporting guidelines. These inaccuracies not only negatively impact my credit score but also raise serious concerns about the validity and legality of the reported information. 



I demand an immediate investigation into this matter. Under the FCRA, you are obligated to investigate disputed items and provide me with written results within 30 days. I require validation of this alleged debt, including documentation proving the debt 's origin, my responsibility for it, and evidence that SOURCE RECEIVABLES MNGMN is authorized to collect on this debt. I further demand that you verify the furnishers compliance with all XXXX XXXX Format requirements. Failure to adhere to these standards renders the information invalid and necessitates its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: SD

Complaint narrative:
Subject : Formal Request for Reinvestigation Violation of the Fair Credit Reporting Act To the CFPB : I am writing to formally submit a second request for reinvestigation concerning the account listed below, which continues to appear on my credit report despite my prior dispute. The inaccuracies in this account are causing significant harm to my credit score : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The continued reporting of this inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA ), including : Title VI, Section 611, Subsections ( a ) through ( d ) ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies must conduct a reasonable and complete reinvestigation when a consumer disputes information. 
15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. 
Failure to remove or correct inaccurate information after a valid dispute also constitutes non-compliance under the FCRA. 
Therefore, I am demanding an immediate and thorough reinvestigation. I also request that : 1. You provide in writing the full name, title, and business address of each individual or organization with whom the disputed information was verified. 
2. I receive an updated copy of my credit report once the reinvestigation is completed. 
3. The disputed account be promptly deleted from my credit file if it can not be fully verified with valid and documented evidence. 
This matter is severely affecting my ability to obtain fair credit and is a clear obstruction of my rights as a consumer. 
I expect a formal response and immediate corrective action in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
XX/XX/year> received " Morgan Stanley Etrade '' master card. I do not have account with either to my knowledge.

Attempted daily this last week to contact. Tried Etrade fraud, was on hold XXXX minutes ; then it just hung up on me. 
tried Morgan Stanley fraud, they 'connected " me to etrade, it was same as my first call to etrade. 
tried XXXX fraud services and it was the same. 
tried Etrade directly again, and after XXXX minutes an operator said hello, then immediately sent me to automated survey and it hung up on me. 
Today, XX/XX/XXXX, i received checks in the mail! 

also, tried to check XXXX, to find it was hacked to with email and phone number not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2025-04-12 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oak Capital : you are not the original creditor { WHO IS and account number } A collection company can not show a open account, you have not account number on consumer report to reference to. I REQUEST FORWARD FLOW AGREEMENT, my signature that I would pay the bill, Copy of where I gave you permission to report on my consumer report never did. FCRS section605Bit is illegal to report ANYTHING on my credit report without my permission refer back through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: HW Holding, Inc
State: CA

Complaint narrative:
Sub I am writing to report a fraudulent account. I have previously contacted the relevant institution to verify this account, and it has been confirmed as fraudulent. Additionally, this account has already been removed by another credit bureau. 
I would appreciate your assistance in resolving this matter promptly. Please let me know if you require any further details or documentation from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 feel violated and Im filing a complaint for XXXX XXXX having access to my financial aid data including XXXX XXXX members, XXXX XXXX and XXXX XXXX being around my sensitive private information is a definite breach of data and a violation of FERPA which is a federal law protecting the privacy of student education records, and those rights under, but include privacy of educational records, access to those records and control over information sharing. all of my financial aid was accessed without my prior authorization. Sharing of my records when there has been failure to provide us with access to our own records and data breaches involving protected student information. I am also going to contact the department of education and file a complaint as well as FERPA.

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 2025-04-12 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 feel violated and XXXX filing a complaint for XXXX XXXX having access to my financial aid data including XXXX XXXX members, XXXX XXXX and XXXX XXXX being around my sensitive private information is a definite breach of data and a violation of FERPA which is a federal law protecting the privacy of student education records, and those rights under, but include privacy of educational records, access to those records and control over information sharing. all of my financial aid was accessed without my prior authorization. Sharing of my records when there has been failure to provide us with access to our own records and data breaches involving protected student information. I am also going to contact the department of education and file a complaint as well as FERPA.

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 2025-04-12 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 feel violated and Im filing a complaint for XXXX XXXX having access to my financial aid data including XXXX XXXX members, XXXX XXXX and XXXX XXXX being around my sensitive private information is a definite breach of data and a violation of FERPA which is a federal law protecting the privacy of student education records, and those rights under, but include privacy of educational records, access to those records and control over information sharing. all of my financial aid was accessed without my prior authorization. Sharing of my records when there has been failure to provide us with access to our own records and data breaches involving protected student information. I am also going to contact the department of education and file a complaint as well as FERPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
The CFPB 's rule prohibits consumer reporting agencies from including medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Medical bills/debt added to collections by United Collections Bureau . United Collections Bureau ( {$1100.00} and {$5300.00} ) opened on XX/XX/scrub> 2024 and XX/XX/year>2024. Was not aware of these bills until added to credit report and my credit score was damaged, nor have I received an itemized bill. Original creditor was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my student loans, which appears on my credit report. The details of the account in question are as follows : Loan Servicer Name : DEPTEDXXXX Account Number : XXXX I am currently enrolled as a student at [ Your School Name ], and as such, my student loans are in deferment status. I have attached documentation, including my enrollment verification letter and loan deferment confirmation, to support my claim. 

The reporting of late payments is incorrect, as I do not owe any payments at this time. I kindly request that you investigate this matter and remove the inaccurate information from my credit report.

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To see their acceptable primary IDs list. They rejected my XXXX XXXX card, which XXXX XXXX made a Real ID in XXXX. This missed over {$8000.00} in XXXX XXXX XXXX discounts, hindering my XXXX XXXX tech startup. This will cost us exponentially more.

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 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing in regards to TD Bank changes its policies on who can deposit money into my checking account. My boyfriend went to TD Bank to deposit the mortgage money as he has been doing for the last XXXX  years since we have bills to pay and he was told that he can no longer deposit into my account yet I am the one that provided him with MY account information. Who or what gives TD Bank the right to tell people who can and can not make deposits into MY OWN ACCOUNT, its an absolute disgrace. I was told that I needed to add him to my account and we do not have a joint account hence me providing my information to him and I should NOT have to add anyone to deposit money. Say a wife sends her husband to the bank then that person can't make a deposit on someone elses account, that is the dumbest thing I have ever heard. I do not appreciate TD Bank making up the rules as they do along as if I give someone permission to deposit money into MY OWN ACCOUNT THAT IS MY PROGROATIVE AND REALLY ITS NONE OF TD BANKS BUSINESS OVERALL. I am not happy with TD Bank given this new change and I dont think its fair to their customers or appropriate & I want this looked into as a whole. 
When my boyfriend goes to the TD Bank IN DE during lunchtime they have a copy of his license to show who he is and that we live at the same residence. Its ludicrous that TD Bank can even tell people what they can do with their own accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  social security check stolen. 
Loans and auto loans in my name IDENTITY THEFT!! 
IDENTITY THEFT!! 
STOLEN SOCIAL SECURITY NUMBER STOLEN CARDS IN MY NAME XXXX XXXX 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX social security check stolen. 
Loans and auto loans in my name IDENTITY THEFT!! 
IDENTITY THEFT!! 
STOLEN SOCIAL SECURITY NUMBER STOLEN CARDS IN MY NAME XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  social security check stolen.

Loans and auto loans in my name IDENTITY THEFT!!

IDENTITY THEFT!! 
STOLEN SOCIAL SECURITY NUMBER STOLEN CARDS IN MY NAME XXXX XXXX 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 explanation