vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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:
To : Source Receivables Management Attn : Compliance Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Formal Dispute XXXX XXXX Compliance & Method of Verification Creditor : XXXX XXXX XXXX XXXX XXXX {$1200.00} To Whom It May Concern, This letter serves as my formal written dispute regarding the above-referenced account, as reported by Source Receivables Management, pursuant to the Fair Credit Reporting Act ( FCRA ) 623 and XXXX XXXX Credit Reporting Resource Guide ( CRRG ) guidelines. 

In your recent correspondence, you provided general account information but failed to supply verifiable documentation that satisfies the FCRAs reasonable investigation standard and the XXXX XXXX reporting requirements. Simply restating internal records does not constitute a valid method of verification under 623 ( a ) ( 1 ) ( B ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

Specifically : 1. Account Ownership & Accuracy : You have not provided the original signed contract, account opening documentation, or proof of my consent to the alleged XXXX account. 
XXXX XXXX guidelines require data furnishers to report only accurate, complete, and verifiable information. 
2. Data Reporting Compliance : If you are furnishing this account to any consumer reporting agency, you are required to ensure that all fields ( e.g., ECOA Code, Account Status Code, Date of First Delinquency, Actual Payment Amount, Balance, etc. ) are complete and conform to XXXX XXXX standards. 
Failure to do so constitutes reporting inaccurate or incomplete information under 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. Method of Verification : Under FCRA 611 ( a ) ( 7 ), I am entitled to a detailed description of the procedure used to verify the accuracy of the disputed information, including the name and contact information of the person or entity who provided the information you relied upon. 
A generic response referencing our records is insufficient. 

Demand : I am requesting within 15 days of receipt of this letter that you : Provide documentary evidence ( not summaries ) that substantiates the debt, including the original signed agreement, complete payment history from inception, and all itemized charges. 
Provide the exact XXXX XXXX compliance codes and reporting fields you are using for this account to the credit bureaus. 
Cease all reporting of this account to consumer reporting agencies unless and until you can produce documentation meeting FCRA and XXXX XXXX requirements. 

If you fail to comply, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for violations of FCRA 623, 611, and the XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
I am filing this complaint against QUALIA COLLECTION SERV for knowingly reporting false information to my credit reports and engaging in unlawful harassment, including threats of arrest made via calls to my workplace. The account in question was closed and settled in full on [ Settlement Date ], yet QUALIA COLLECTION SERV continues to furnish inaccurate derogatory information, violating FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing known inaccurate info ) and 611 ( failure to conduct reasonable reinvestigation ), as well as FDCPA 805 ( a ) ( 3 ) ( contacting me at work after being told not to ), 806 ( harassment or abuse ), and 807 ( 4 ) ( false implication that nonpayment will result in arrest ). I have settlement proof, payment confirmation, evidence of continued false reporting, and phone records of harassment. I demand immediate deletion of all QUALIA COLLECTION SERV entries from XXXX XXXX XXXX XXXX  written confirmation of removal within XXXX business days, and assurance of no further contact. If unresolved by XX/XX/year>, I will file suit in the XXXX XXXX XXXX XXXX Missouri for statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have repeatedly tried to access my account. Nothing I have been instructed to do by their website has allowed me to get into my account. I have called their number several times. 
I've tried multiple times and am just referred back to the sign-in page. 

In summary, neither through the Experian website nor their phone support have I been able to log into my account, change my password, or unfreeze my credit score. I've purchased a new house, but I'm unable to get insurance because the insurance company can't obtain my credit score from Experian.

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 2025-08-10 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
Inaccurate Background Check Reporting by Checkr , Inc. Dear CFPB, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) against Checkr , Inc. for failing to ensure the maximum possible accuracy of consumer reports, as required by 15 U.S.C. 1681e ( b ). On XX/XX/year>, the XXXX XXXX Court of Florida issued a Court Order ( Case No. XXXX XXXX XXXX XXXX XXXX removing a traffic violation and eliminating any XXXX requirement. The Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ) and my insurer confirm that no XXXX is in place. Despite being provided with the court order and updated DMV records, Checkr has continued to report outdated XXXX information to its clients, including XXXX and XXXX. This directly caused the permanent deactivation of my driver accounts and substantial loss of income. Under the FCRA, consumer reporting agencies must promptly update records upon receiving verified court documentation, and must notify prior recipients of any corrected information. Checkrs failure to comply constitutes a violation of the FCRA and has caused significant economic and reputational harm. I request that the CFPB : 1. Compel Checkr , Inc. to immediately update my consumer report and remove the XXXX notation. 2. Require Checkr to notify all entities that received the inaccurate report. 3. Provide written confirmation of compliance within 10 business days. If corrective action is not taken promptly, I will consider pursuing legal remedies for damages caused by this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
First Horizon hasn't provided me cash back bonus I have fulfilled all the conditions : Within 15 days of the account opening, deposit at least {$5000.00} Maintain a {$5000.00} average daily balance for the first XXXX full statement cycles. 
Conduct 20 qualifying transactions within the first 3 full statement cycles.

Bonus will be deposited within 10 business days after qualifying activities are met. 


Sent an email also to First horizon also but no response.

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

Complaint narrative:
This report all my credit report wrong. The late payments on the XXXX XXXX are incorrect. Also, I would like for you to look at some of the close accounts and a contract collection because as of important role and I do not have a contract with the agencies that's on my credit report can you please review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
XX/XX/scrub>XXXX. I reported to TransUnion and XXXX XXXX but it didn't help. I still get emails, calls.

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 2025-08-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX XXXX, XXXX, and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  on XXXX under the account number XXXX XXXX XXXX XXXX XXXX  ; a collection account opened at XXXX XXXX XXXX on XXXX under the account number XXXX XXXX XXXX XXXX XXXX  ; a collection account opened at XXXX XXXX XXXX on XXXX under the account number XXXX XXXX XXXX XXXX XXXX ; and a personal loan account opened at XXXX XXXX on XXXX under the account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed these accounts with all three credit reporting agencies several times, and they keep coming back as verified, accurate accounts and they are not. I was finally forced to submit a ftc report to make sure that the credit reporting agencies, as well as the companies involved take the proper steps to remove the accounts from my report until they prove legitimacy all the way around. These accounts as they have been and are currently reporting have caused harm and hardship to me in acquiring the things I need to sustain a good living situation.

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 2025-08-10 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: IN

Complaint narrative:
I have disputed these accounts with all three credit reporting agencies several times, and they keep coming back as verified, accurate accounts and they are not. I was finally forced to submit a ftc report to make sure that the credit reporting agencies, as well as the companies involved take the proper steps to remove the accounts from my report until they prove legitimacy all the way around. These accounts as they have been and are currently reporting have caused harm and hardship to me in acquiring the things I need to sustain a good living situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: TX

Complaint narrative:
I signed up for a bank promotion on XX/XX/XXXX. There was a promotion posted on their website that if you open an account and have direct deposit totaling {$400.00} within 60 days, you will receive {$200.00} posted to your account in 5 business days. The expiration for this offer was until XXXX XXXX XXXX  The agent stated that the promotion is only for {$40.00}, which isnt the case. It clearly states {$200.00} and I have met the requirements of the promotion. They are trying to say that they have never had this promotion. Im seeing online reviews of people complaining about the same issues from this bank.

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 2025-08-10 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : 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 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MT

Complaint narrative:
This complaint is a continuation of my previously filed CFPB case # XXXX, which was closed without resolution. While the company provided a partial response, they failed to supply the complete documentation I requested to verify the accuracy and legal enforceability of my student loan under the Higher Education Act.

Specifically, they did not provide : A certified copy of my original, signed Master Promissory Note ( MPN ) from origination, despite earlier admitting they could not locate it. The copy they provided in the last response was given without any explanation of authenticity or provenance. 

A complete chain of title with all legal transfer/assignment documents from origination to present. Instead, they only listed a brief servicing history with no underlying agreements. 

Consolidation and transfer authorizations from prior loan holders. 

A complete payment & interest history, including detailed interest accrual, capitalization dates, and fees. 

Loan validation and compliance records, such as internal audits, compliance reviews, and certifications proving the debt is enforceable. 

The omission of these records leaves the debt unverified. I request the CFPB require the company to either produce the full set of documents or provide a written statement that such records do not exist or can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: OH

Complaint narrative:
Today on XX/XX/year>, I applied for a loan through Uprova.com and I was waiting to see the full loan details before applying but they showed me the full loan details including the money in total I have to pay back only after I hit continue. I havent spent any of the money yet and I wanted to contact them but didnt know if there were any ways to decline everything as a whole or return it and be done, but it looks like even if I done that id be in the whole XXXX dollars.

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 2025-08-10 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX benifits card was stolen, you need to be verified by XXXX before any information or transaction begins. They were able to make 8 transactions within 3 days total of XXXX and one pending, I submitted a claim and now have to wait 45-90 days for investigation to be completed meanwhile this guy is in my city with my address and idk what other information he has. I have filed a police report because my personal information was needed to activate this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
Violation of US Code 15 U.S. Code 1681a <br> Reported Late 30 Days on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Reported Late 30 Days on XX/XX/scrub>XXXX XXXX XXXX  Account XXXX XXXX I respectfully ask you to investigate and immediately update the reported items identified above. According to According to 15 U.S. Code 1681a a consumer report is not supposed to include transactions or experiences between the consumer and the person making the report. I do not understand why you are reporting Late Payment if it is violating the law

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