vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
During my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was XXXX  within XXXX XXXXXXXX XXXX XXXX XXXX of which I could not complete nor access during my XXXX XXXX of the XXXX. As the XXXX  within XXXX XXXX, Texas had no wifi. 

Due to this after contacting XXXX multiple times they dropped my classes, XXXX eligibility and refused to help or reach out. I tried to contact them numerous times and even so, after sending them official letters proving I was unable to effectively do school for a short timeframe. They refused to help. 

After this, today I recieved a debt collections report on my credit score of an unpaid debt of which I had no notification via mail nor phone calls of, that is negatively affecting my accounts. 

I am an XXXX XXXX XXXX XXXX XXXX and I am worried of conflicting my eligibility to continue to do so due to the shortcomings of individuals within the XXXX XXXX XXXX XXXXXXXX. 

Thank you for your time my official orders with the timeframe as well as written command expression of my unability to complete coursework in a timeframe has been attached. 

The collection agency is RELIANT CAPITAL SOLUTIONS and was filed under XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
SOURCE RECEIVABLES MANAGEMENT has been reporting a depth to my credit report that does not belong to me. I have contacted them multiple times about this XXXX debt. They have not removed it and has continued to report this negative information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
I have disputed several accounts that are inaccurately reporting on my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have contacted both the credit bureaus and these companies multiple times, requesting verification and proof that these debts belong to me. To date, none of them have provided original signed contracts, applications, or documentation showing that I am responsible for these accounts. The information being reported also does not match my current address or identity, which makes it unverifiable. Despite my repeated written disputes, these furnishers and the credit bureaus have continued to report these accounts without performing a reasonable investigation as required under FCRA Section 611 ( a ) ( 1 ) ( A ). I have already filed a CFPB complaint and FTC Identity Theft Report regarding these inaccuracies, but the companies have still failed to correct or delete the false information. Their negligence is causing ongoing harm to my credit, my ability to obtain credit and housing, and my overall financial stability.

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 2025-10-08 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:
My account inaccurately shows a late payment despite my consistent timeliness. Please correct this oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
This serves as my third formal dispute regarding inaccurate, outdated, and unauthorized information that continues to appear on my credit reports despite previous investigations. I am requesting permanent removal, not correction, of the following accounts and inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 
My credit file still reflects a Late Closed Account from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ) * *. This account is being inaccurately reported and violates FCRA 611 ( a ) which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting data they know or should know is inaccurate, and FCRA 607 ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. Additionally, under FCRA 605B 15 U.S.C. 1681c-2, unverifiable or inaccurate data must be blocked or permanently deleted upon the consumers request. 
My file also shows a Charged-Off Account from XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ) * * that is being reported in violation of the same FCRA provisions above. Since this account was settled and no longer carries a balance, its continued reporting as charged off misrepresents the true status of my credit and is damaging to my reputation and score. I am demanding that this entry be permanently deleted from all credit files. 
Furthermore, my report includes unauthorized inquiries that were never approved by me nor related to any credit applications I initiated. These inquiries include : 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 Under FCRA 604 ( a ), a consumer report may only be accessed for a legitimate and permissible purpose, such as a credit transaction initiated by the consumer. Since I did not authorize or apply for credit with any of the companies above, these inquiries are unlawful. FCRA 604 ( f ) further prohibits any person or business from obtaining a consumer report without permissible purpose, and FCRA 605B provides me the right to have such unauthorized data blocked or permanently removed.

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 2025-10-08 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: AR

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an item reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the item continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} 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 explanation
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an item reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the item continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Specialized Collection Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ca XXXX XXXX Date : XX/XX/XXXX To : Specialized Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Account # XXXX ( XXXX XXXX  ) Dear Specialized Collection, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you immediately cease all communication with me, my family, or any related parties regarding the account listed below : Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} Status : Collection Account You are hereby instructed to cease any and all forms of contact, including but not limited to telephone calls, text messages, emails, mailed correspondence, or contact through third parties. 

If the account holder is deceased, you are further directed to update your records and credit reporting to reflect the status of Deceased and to stop any attempts to collect or report this debt as active. 

The only communication permitted under federal law after this notice is : 1. Written confirmation that you have received this letter and will no longer contact me, or 2. Notification of specific legal action, if you intend to pursue it.

Any continued contact beyond this point will be considered a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please provide written confirmation within 15 business days that you have complied with this cease and desist request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
b'FINAL NOTICE THIS IS RIDICULOUS OF YOUR COMPANY NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AGGRAVATED IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY    \n   \n   I NEVER GAVE CONSENT TO USE XXXX XXXXXXXX XXXX XXXX XXXX WHO ARE YOU  XXXX XXXX                                                                                 PLAINTIFF: XXXX XXXX XXXX XXXX DEFENDANT: DEFENDANT: Caine & Weiner Company, Inc. XXXX  number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ORIGINAL CREDITOR: XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER: XXXXXXXX XXXX   ALLEGED DEBT AMOUNTS OR BALANCE XXXX XXXXCERTIFIED MAIL# XXXX XXXX XXXX XXXX XXXX XXXXnDEAR: Caine & Weiner Company, Inc   XXXX XXXX XXXX STOP VIOLATING THE FDCPA USC 1692D   EXHIBIT -A XXXX XXXX    \nEXHIBIT A1: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE   \nTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.    \nACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM   \nRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP   \nHARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXXXXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW.    \nEXHIBITA2: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I   \nREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-  \nLISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY   \nATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES (CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS    \nREQUEST ABOVE IN EXHIBIT XXXX  AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED    \nDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE    \nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY    \nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF  \nYOU FAIL TO COMPLY WITH THIS LETTER; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY  \nALSO, YOU MAYBE SUED BY THE CFPB.  ABRUPTLY, .XXXX. Living Man UCC1-308 WITHOUT  \nPREJUDICE without recourse BENEFICARY OF acct: XXXX XXXX XXXX XXXXNOT THE TRUSTEE DELETE FROM ALL XXXX  OR YOU WILL RECEIVE SUMMON'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXXm seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
In XXXX, I submitted disputes to Experian regarding several inaccurate and fraudulent accounts appearing on my credit report. I attached an Identity Theft Report and valid identification to support my claim. Despite this, Experian has failed to remove or correct the inaccurate information. The accounts are still being reported, indicating that Experian did not complete a reasonable or thorough investigation within the required timeframe under FCRA.

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 2025-10-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
Completed application, credit check and appraisal for refinance with our current mortgage lender LakeviewXXXX XXXX and was denied after paying {$600.00} for the appraisal based on the fact that our home is a manufactured house. This fact is known to the company because they own our original mortgage and they had us go through the entire process only to be turned down after paying {$600.00} for an appraisal.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A and eviction on my credit report/teanant screening for an address on my account I never lived at.

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 2025-10-08 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation