vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of a collection account by Source Receivables Management that appears on my XXXX, XXXX, and XXXX  credit reports. 
The account in question is reported as follows : Creditor/Collection Agency : Source Receivables Management ( also reported as SOURCE RECVB and SOURCE RECEIVABLES MNG ) Original Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX Reported Balance : {$1900.00} Problems with Reporting : Inconsistent Names The account is listed under different names across credit bureaus, which creates confusion and is inaccurate.

Contact Information Errors The address and phone number listed differ depending on the bureau. 
Conflicting Account Type One bureau reports the account as a Collection Account, another as an Open Account, and another as Debt Buyer/Collection.

Balance Update Issues The balance of {$1900.00} is shown, but the last updated dates are inconsistent or missing. 
Missing/Conflicting Payment History Some bureaus show no payment history, while others show collection codes. 
Consumer Rights Impacted : These issues violate my rights under the Fair Credit Reporting Act ( FCRA ), including : Section 607 ( b ) : Duty of credit bureaus to assure maximum possible accuracy.

Section 623 ( a ) ( 2 ) : Furnishers must correct and update inaccurate or incomplete information.

Section 609 ( a ) ( 1 ) : Right to clear disclosure of sources and information being reported.

If Source Receivables Management is actively collecting, the conflicting and misleading reporting may also violate the Fair Debt Collection Practices Act ( FDCPA 807 ), which prohibits misrepresentation of the character, status, or amount of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I was approved for rental assistance on my apartment at the XXXX XXXX XXXX in XXXX of XXXX  after facing hardship caused by the XXXX pandemic and was informed i was covered for rent through the end of my lease in 2022. Years later I found out that the final month of my lease was not paid and my debt was purchased by National Credit Systems and I was not contacted or informed of the collections placed in my name. They say I owe {$2400.00} and I was not notified or given the proper information to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the continued reporting of the following public record on my credit file : Public Record Reference No. : XXXX ) XXXX XXXX I previously submitted a dispute regarding this item, and in your response, you stated that the information was verified as accurate based on verification with the court. 
Following your claim, I directly contacted the court in question. Their official response which I have enclosed with this letter clearly states that they do not report to you or any credit bureau, nor do they verify information with such agencies. 
This calls into question the validity of your original investigation. It is now evident that either : The item was never verified with the court, and your claim was false ; or An error occurred during your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report. Continuing to report this item despite receiving contrary evidence violates the FCRA. 
Accordingly, I am formally requesting that this public record be immediately deleted from my credit report across all consumer reporting agencies. If you are unable to verify this item directly with the original source the court as required, it must be removed. Or I will pursue legal action for every day its been on 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the continued reporting of the following public record on my credit file : Public Record Reference No. : XXXX ) XXXX XXXX I previously submitted a dispute regarding this item, and in your response, you stated that the information was verified as accurate based on verification with the court. 
Following your claim, I directly contacted the court in question. Their official response which I have enclosed with this letter clearly states that they do not report to you or any credit bureau, nor do they verify information with such agencies. 
This calls into question the validity of your original investigation. It is now evident that either : The item was never verified with the court, and your claim was false ; or An error occurred during your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report. Continuing to report this item despite receiving contrary evidence violates the FCRA. 
Accordingly, I am formally requesting that this public record be immediately deleted from my credit report across all consumer reporting agencies. If you are unable to verify this item directly with the original source the court as required, it must be removed. Or I will pursue legal action for every day its been on 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am disputing a debt being collected by Credence Resource Management on behalf of XXXX XXXX. The debt is for {$200.00}, labeled as an unreturned equipment charge. However, I have provided documentation showing the equipment was returned before the account was closed, and I did not use the service during the time in question. 

According to XXXX 's own email ( dated XX/XX/XXXX ), the equipment was returned on XX/XX/XXXX, and then internally transferred from an old account to a new one. The account Credence references was opened XX/XX/XXXX and closed XX/XX/XXXX, XXXXmeaning it was only active for 7 days. No service was available at the property because it wasnt wired for XXXX, and the installer removed the equipment during the visit because he determined a dig team would need to come out to wire the property for XXXX. Due to this being the case, the modem/router in question probably would not even work with the services they would be installing. 

I have disputed this multiple times and explained that I did not retain any XXXX equipment. I can not prove possession of something I never keptand they can not prove I still have it. This charge is based on poor internal tracking between XXXX departments, not any failure on my part. 

Despite this, Credence continues to pursue the charge and has failed to provide proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
On XX/XX/year>, I filed an initial complaint regarding the alleged debt. As of todays date, the company has failed to submit any verification of the debt to my address. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper verification of the debt upon request and must send that verification via mail within 30 days. This verification must include a signed in ink document validating the debt. 

To date, I have not received any such documentation at my address. The companys failure to comply with this requirement constitutes a violation of federal debt collection laws, and no further collection activity should have occurred without first providing the necessary signed verification by mail within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Huntington bank closed my account for absolutely no reason whats so ever! I just opened An account with them on XX/XX/year> set up direct deposit paid to have my card expedited, they took my money, and then the very next day they closed my account and did not tell me why after asking over and over again now my direct deposit is gone and it is taking forever to get my funds because now they will not send my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: ME

Complaint narrative:
Over the last XXXX years I have tried to explain to PHEAA that I NEVER took out a student loan, but they ignore me and keep sending me bills or statements about this loan in my name. I've reached out to every email and person I could find for years now, I am tired of this. Please help or guide me in the right direction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I noticed there was a problem on my mind account and I notified the bank about it. The bank said they would investigate it and they will get back to me. So the investigation went to fraud department, and they asked me to scrub my phone and give me a new set of account numbers and everything was okay. But the next day, my account was frozen again, XXXX told me that another for our prevention specialists would get back to me, but they never did.And they stopped talking to me and they hailed my check and they refuse to give me my money back from my payroll, check. So they're treating me like I'm a criminal and they can't tell me why. Well, what's happening, And now they're telling me 6-8 weeks, possibly, and my account is closed. I have stated repeatedly, what is happening, and no one can explain it to me. And I can't get my money back which has caused my bills to be behind. So I had to go to another banking institution, and get my payroll. Check deposited in another bank.And I still can't get my money back from BMO HARRIS BANK. I HAVE TRIED TO CALL CORPORATE. HE EVEN ASKED FOR AN ADMINISTRATOR. But no one is getting back to me.

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 monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Complainant : XXXX XXXX XXXX : LVNV Funding LLC Statement of Dispute : I am filing this dispute in response to LVNV Funding LLCs reply. I have reviewed their response and I reject it for the following reasons : The information provided does not include any attestation or certification validating the alleged debt. 

I have the right to decide who I contract with. LVNV Funding LLC is not a company I have done business with, nor do I intend to. 

In XXXX XXXX XXXX, the court affirmed that any alleged debt must be attested or certified. LVNV Funding has failed to provide such certification. 

I request clarification : Is LVNV Funding LLC going to properly attest or certify this alleged debt, or should I proceed with a lawsuit to have this account deleted? 

For the record, I refuse to pay this alleged debt and will confidently testify that I do not owe LVNV Funding LLC. As a third-party debt buyer, LVNV Funding LLC has no original contract with me, and at best may only claim partial rights. This does not entitle them to violate my consumer rights through continued collection attempts. 

I ask that this matter be investigated promptly, and that LVNV Funding LLC cease all collection activity unless and until they can provide the proper legal certification required by law. 

Requested Resolution : Deletion of the alleged account from my credit file. 

Written confirmation that LVNV Funding LLC will cease collection activities. 

Respectfully, XXXXXXXX XXXX

Company response to consumer: Closed with explanation