vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Source Receivables Management What happened : Between XXXX XXXX XX/XX/XXXX, my wife and I ( both young professionals ) rented at XXXX XXXX XXXX, managed by XXXX XXXX. 
We paid rent on time and kept the unit in excellent condition. 
In return, XXXX failed to provide what was advertised, failed to communicate during critical moments, and penalized us financially for their own inaccessibility. 

Issues : 1. False Advertising / Security : Complex was advertised as gated. The gate worked for only one day during our entire lease, leaving us without the security we were promised and paid for. 
XXXX. Communication Failures with Costs : property manager 's delayed responses forced us to pay for XXXX extra nights in a hotel and delayed delivery of my XXXX  XXXX XXXX XXXX XXXX Management denied responsibility for these costs, despite being the direct cause. 
XXXX. Lease Extension Without Notice : A small-print clause rolled our lease to month-to-month. During the pandemic, management was unreachable by phone and email. Without proper notice, our lease extended automatically. Our move-out notice was one day late. Result : full deposit withheld + one months rent charged. 
XXXX. Refusal of Escalation / Bad Faith : Regional XXXX XXXX XXXX XXXX now XXXX XXXX ) refused to provide a supervisor contact and ignored further communication. Attached emails show management acted in bad faith and communicated with tenants in an unprofessional, dismissive manner. 
XXXX. Debt Sold to Collections : Rather than resolve the issue in good faith, XXXX sold the balance to a collection agency, Source Receivables Management. In XXXX XXXX years later I am suddenly being pursued for this disputed debt. To date, they have contacted me by phone but have not provided the required written notice of debt by mail. 
6. Utility Overbilling ( Suspected ) : During tenancy, our electricity bill averaged ~ $ XXXX. After moving into a home more than double the size, our bill dropped to ~ $ XXXX. This strongly suggests we were billed for usage beyond our unit, such as common areas or other tenants. 
XXXX. Corporate Inaccessibility : On XX/XX/XXXX at XXXX hrs, I attempted to contact XXXX  XXXX XXXX XXXX XXXX. Left voicemail, no response. The corporate directory is broken ( press XXXX returns invalid ). No functional escalation channel exists beyond local/regional management, who are themselves the subject of this complaint. 

Why this is wrong : Tenants bore the financial burden of management failures. 
XXXX misrepresented security. 
Escalation requests were deliberately ignored. 
The company refused to resolve the dispute in good faith. 
The debt was wrongly placed into collections years later. 
Corporate systems are deliberately or negligently inaccessible to tenants. 

Attachments : Email correspondence with XXXX and XXXX XXXX showing refusal to resolve dispute in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: NJ

Complaint narrative:
The Consumer Reporting Agencies ( TransUnion, Equifax, Experian, XXXX, XXXX, XXXX, XXXX  ) are each violating the Fair Credit Reporting Act ( FCRA ) by maintaining inaccurate, incomplete, and misleading tradelines in my consumer credit files. This violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to assure maximum possible accuracy. 

Despite multiple disputes, the CRAs have : Failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( a ) ; Reinserted or continued to publish inaccurate information without proper certification under 1681i ( a ) ( 5 ) ; Ignored evidence of discharge, transfer into trust ownership, or non-collectibility of debts ; Relied on furnishers who themselves are in violation of 1681s-2 ( b ) by failing to investigate.

This is not an isolated mistake. It reflects a systemic breakdown of CRA procedures which Congress explicitly sought to prevent when it enacted the FCRA. The law requires maximum possible accuracy, not mere minimum compliance. Courts have consistently held that inaccurate reporting of charge-offs, discharged debts, and uncollectible accounts violates the FCRA.

The CRAs actions have caused and continue to cause irreparable harm, including : Denial of housing and credit opportunities ; Increased costs of borrowing and insurance ; Damage to my professional and personal reputation ; Emotional distress and loss of economic opportunity. 
These harms can not be remedied by money damages alone once false data is published, the damage is ongoing. In equity, this is equivalent to a cloud on title, which courts will not permit to persist. 

CRAs are federally regulated entities. Their failure to maintain accuracy and reinvestigation procedures undermines the integrity of the entire consumer reporting system, and by extension, the banking and credit markets regulated by the OCC, FTC, and CFPB. If CRAs are permitted to ignore 1681e ( b ) and 1681i ( a ), then every consumers access to fair credit is compromised.

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 2025-08-23 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:
The Consumer Reporting Agencies ( TransUnion, Equifax, Experian, XXXX, XXXX, XXXX, XXXX  ) are each violating the Fair Credit Reporting Act ( FCRA ) by maintaining inaccurate, incomplete, and misleading tradelines in my consumer credit files. This violates 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to assure maximum possible accuracy. 

Despite multiple disputes, the CRAs have : Failed to conduct reasonable reinvestigations as required by 15 U.S.C. 1681i ( a ) ; Reinserted or continued to publish inaccurate information without proper certification under 1681i ( a ) ( 5 ) ; Ignored evidence of discharge, transfer into trust ownership, or non-collectibility of debts ; Relied on furnishers who themselves are in violation of 1681s-2 ( b ) by failing to investigate.

This is not an isolated mistake. It reflects a systemic breakdown of CRA procedures which Congress explicitly sought to prevent when it enacted the FCRA. The law requires maximum possible accuracy, not mere minimum compliance. Courts have consistently held that inaccurate reporting of charge-offs, discharged debts, and uncollectible accounts violates the FCRA.

The CRAs actions have caused and continue to cause irreparable harm, including : Denial of housing and credit opportunities ; Increased costs of borrowing and insurance ; Damage to my professional and personal reputation ; Emotional distress and loss of economic opportunity. 
These harms can not be remedied by money damages alone once false data is published, the damage is ongoing. In equity, this is equivalent to a cloud on title, which courts will not permit to persist. 

CRAs are federally regulated entities. Their failure to maintain accuracy and reinvestigation procedures undermines the integrity of the entire consumer reporting system, and by extension, the banking and credit markets regulated by the OCC, FTC, and CFPB. If CRAs are permitted to ignore 1681e ( b ) and 1681i ( a ), then every consumers access to fair credit is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
On XX/XX/year> XXXX in-store transactions posted that I did not authorize : Market Basket # XXXX ( XXXX, NH ) {$150.00} ; Market Basket # XXXX ( XXXX, NH ) {$230.00} ; XXXX XXXX XXXX XXXX ( XXXX, NH ) {$240.00}. I noticed the card was missing on XX/XX/year>XXXX  and saw these charges pending in the XXXX  app before they posted. They first appeared on my XX/XX/year>XXXX  statement. I reported the problem in XXXX and the card was replaced, but XXXX  denied the dispute on XX/XX/year> without providing any documentary evidence ( no receipt or XXXX data ). Instead of they investigating they asked me to submit my report. On XX/XX/year> I mailed a written FCBA billing-error notice to Account Services Dispute Resolution, XXXX XXXX XXXX, XXXX GA XXXX ( USPS Certified tracking [ XXXX ] ), requesting the complete investigation file and reversal of charges/fees, and correction of credit reporting. Im being charged interest and my credit has been harmed despite the dispute. 
Amount in dispute XXXX I first notice the problem on XX/XX/year> and the card was replaced but Fortiva didn't reverse the charges. 
transaction occurred In person with card-present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Hanwha QCells USA Corp
State: OK

Complaint narrative:
I made contact with Enfin about having solar panels installed on my house in the spring of XXXX. When the installation was completed I contacted my electricity company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to come and finish up the install to have my solar panels turned on. They informed me on inspection that the installation had been completed improperly. I then contacted Enfin to inform them of what I was told, they would tell me theyd have someone come out but no one ever came out. They then told me that the installation had not been done by them, it had been done by a company that goes by the name of XXXX XXXX XXXX XXXX  XXXX out of Texas. I tried to contact the installation company with multiple failed attempts. I then contacted XXXX and they said they would have someone come out and see what they could do. The employee who came out said everything was fine and the panels were working just fine. After months of having them installed and turned on and paying our monthly payment on time I then received a letter in the mail from XXXX with a bill of {$1700.00} for electricity. I called XXXX and was told that the solar panels were not working and I had been using my regular electricity to power my household without knowing. Since then I tried to contact Enfin and I have no longer been able to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Refuse to investigate and provide proof Will not remove from my credit report my check system

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 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TN

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Debt Validation & Dispute Account # /Debt Collection Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, I am formally disputing the accuracy and validity of the debt currently being reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this account, including : 1. The name and address of the original creditor.

2. A detailed and itemized breakdown of the balance, including fees and interest.

3. Copies of any documents with my signature proving my legal responsibility for this debt.

4. Evidence that TransUnion has verified this information as accurate before reporting.

Until this information is provided, you are required to : Mark this account as in dispute in my credit file, and Cease reporting or sharing this debt with third parties.

If you are unable to validate this account, the FCRA requires that it be deleted from my credit file immediately. Continuing to report unverifiable information is a direct violation of FCRA 611 and FDCPA 809. 

If this matter is not resolved promptly, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

This is a formal request. Please provide your response in writing within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE..

XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS.. 

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 15 USC 1692A5 15 U.S.C 1692g 15 U.S.C 1681iaa BANKRUPTCY ACCOUNT : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Reference # : XXXX XXXX Court : U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear Sirs, This is not a new complaint, but adding information I forgot to send.

My complaint ID is : XXXX. 

My name is XXXX XXXX XXXX XXXX. 
Please accept my apologies for any inconvenience this may cause.

Attached please find the files regarding my husband 's condition over the past 2 years.

Once again, thank you very much for your time and assistance.

Sincerely, 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 2025-08-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
This is in addition to my last complaint I forgot to add. XXXX and XXXX XXXX XXXX were not assigned to legally foreclose on my property XX/XX/XXXX. XXXX XXXX buyer XXXX XXXX has a forged/fraudulent deed that they used to evict me from my home. I have a Probate court order and recorded XXXX deed from my mother 's name to mine I am the executor of the will with full authority. I recorded the deed XX/XX/XXXX. The deed XXXX XXXX has from XX/XX/XXXX has my mother 's name and XXXX XXXX XXXX as the grantors. My mom Died from elder abuse XX/XX/XXXX. She no longer has interest in the property I inherited. SO HOW CAN THIS BE LEGAL? It isn't. XXXX XXXX is using a void deed and took my property locked me out with the sheriff escorting me out of my home. Now all my possessions are going to be dumped. I have some very expensive antiques I have been investing in since XXXX to sell when I became a senior to help supplement my meager income. My WHOLE life is being taken away from me. ID Theft, XXXX XXXX XXXX, Theft, FRAUD, Conspiracy to commit fraud, Misrepresentation, Intentional Interference with Inherited Property and a lot more crimes have been committed. All I wanted was the accounting corrected so I could get a loan to pay off the mortgage. Now I'm homeless, losing all my possessions this week because XXXX XXXX is going to dump the contents of my home all this is because I wanted the accounting corrected .. My limited income won't cover rent. Why should I have to rent when I have a DEED that is NOT a forgery. Due to the court system being bogged down I can't get this in front of a judge in time to stop it. I don't have any way to replace XXXX years of investing. Why Should I Have to? By the way when XXXX responded needing XXXX weeks what they did was lawyer up and want to settle after reading the XXXX installment. They know exactly what they did! I won't have a copy of the forged/fraudulent void deed until Monday morning. I am sending mine with the court order. The last assignment on record was the loan being assigned to HUD in XXXX. XXXX took over XXXX XXXX and there hasn't been an assignment recorded since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Global Tel*Link Corporation
State: KY

Complaint narrative:
In 2021 I sent my husband over XXXX $ to his inmate account through gtl getting out telmate service in Kentucky XXXX Regional Jail XXXX XXXX XXXX. Ive since needed the money back and they say because of account inactivity its been forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am disputing an alleged debt of {$820.00} being reported by Caine & Weiner on behalf of XXXX XXXX. I do not owe this amount, and it is being reported without proper verification. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of this debt, and under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), reporting unverified or inaccurate information is prohibited. I am requesting that this account be fully investigated, validated with supporting documentation, and removed from my credit report unless proper verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX, JEFFERSON CAPITAL SYSTEM, has violated my rights, 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 1692b acquisition of location information by debt colleXXXX. 
I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX I am writing to dispute the accuracy and completeness of the information being reported in my credit file. After carefully reviewing my credit reports, I found that the accounts listed are either inaccurate, incomplete, or can not be verified.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 gives me the right to request all information used to verify these accounts.

FCRA 611 requires you to conduct a reasonable reinvestigation of disputed items within 30 days.

FCRA 623 prohibits furnishers from reporting information they can not verify as accurate.

Since the accounts currently being reported do not meet the standards of accuracy and verifiability required by law, I am requesting that you : 1. Delete all accounts and negative information that can not be fully verified.

2. Provide me with written confirmation of the deletions and an updated copy of my credit report.

Please consider this a formal dispute under the FCRA. I have enclosed a copy of my identification and proof of address for verification.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
NATIONAL CREDIT ADJUSTERS , L.L.C Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year>XXXX  Status Collec THIS ACCOUNT IS fraudulent THIS ACCOUNT IS DUE TO IDENTITY THEFT

Company response to consumer: Closed with explanation