vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Source Receivables Managements unlawful credit reporting of an alleged collection account on my consumer credit report. 

Source Receivables Management is reporting a collection account with a balance of {$680.00}, allegedly owed to XXXX XXXX XXXX XXXX XXXX opened on or about XX/XX/year>. This reporting is materially misleading and unsupported by lawful verification. 

This account violates 15 U.S.C. 1681 ( a ) ( 2 ) because the reporting format is misleading. A negative balance on a collection account falsely implies a credit or overpayment and does not accurately reflect a legitimate consumer obligation.

Source Receivables Management has also violated 15 U.S.C. 1681 ( e ) ( b ) by failing to maintain reasonable procedures to assure accuracy. The company is reporting this account as a verified derogatory debt without producing any signed agreement, itemized statement, proof of assignment, or evidence of authority to collect. 

Additionally, this conduct violates 15 U.S.C. 1692g. The company has not provided proper debt validation, yet continues to report the account to consumer reporting agencies. Credit reporting is a form of collection activity and must cease until validation is provided. 

Finally, reporting an unverified and disputed debt constitutes an unlawful communication under 15 U.S.C. 1692c, as it is intended to pressure payment through reputational harm. 

Because this account is inaccurate, unvalidated, and unlawfully reported, the only compliant remedy is complete deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian, Equifax, TransUnion, and multiple data furnishers reporting to them. My consumer credit reports contain inaccurate and unverifiable personal identifying information, including multiple addresses that do not belong to me, in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). My reports also list charge-off accounts from XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX that are reported with inaccurate balances, missing or questionable Dates of First Delinquency, and potentially obsolete information, violating FCRA 605 ( a ), 605 ( c ), and 623 ( a ) ( 5 ). Additionally, a collection account from XXXX XXXX with XXXX XXXX XXXX listed as the original creditor is being reported without proper validation or full disclosure, in violation of FCRA 609 ( a ) ( 1 ) and FDCPA 807, 808, and 809. My reports further include a Chapter XXXX bankruptcy filed in XXXX that may be inaccurately reported beyond permissible time limits under FCRA 605 ( a ) ( 1 ), as well as an unauthorized hard inquiry from XXXX XXXX  dated XX/XX/XXXX without verified permissible purpose under FCRA 604 ( a ). Despite submitting formal disputes, these inaccuracies and unverifiable accounts remain on my credit reports, demonstrating a failure to conduct reasonable reinvestigations as required by FCRA 611 and causing ongoing financial and emotional 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 2025-12-18 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: TX

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian, Equifax, TransUnion, and multiple data furnishers reporting to them. My consumer credit reports contain inaccurate and unverifiable personal identifying information, including multiple addresses that do not belong to me, in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). My reports also list charge-off accounts from XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX that are reported with inaccurate balances, missing or questionable Dates of First Delinquency, and potentially obsolete information, violating FCRA 605 ( a ), 605 ( c ), and 623 ( a ) ( 5 ). Additionally, a collection account from XXXX XXXX with XXXX XXXX XXXX listed as the original creditor is being reported without proper validation or full disclosure, in violation of FCRA 609 ( a ) ( 1 ) and FDCPA 807, 808, and 809. My reports further include a Chapter XXXX bankruptcy filed in XXXX that may be inaccurately reported beyond permissible time limits under FCRA 605 ( a ) ( 1 ), as well as an unauthorized hard inquiry from XXXX XXXX  dated XX/XX/XXXX without verified permissible purpose under FCRA 604 ( a ). Despite submitting formal disputes, these inaccuracies and unverifiable accounts remain on my credit reports, demonstrating a failure to conduct reasonable reinvestigations as required by FCRA 611 and causing ongoing financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
This partial account number CEHE, known as Central Portfolio Control , Inc, with an address listed as XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and has a reported balance of {$2900.00} is reporting to my XXXX  credit report and it is not my debt. This debt is a result of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank checking account hacked into from online banking to the amount of {$20000.00}. 
Fraud department notified as soon as discovered and claim denied.

I want to appeal the denial.

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 2025-12-18 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: Block, Inc.
State: WA

Complaint narrative:
XX/XX/year> unauthorized transaction through cashapp for XXXX to XXXX XXXX. Cashapp is checking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Lockhart , Morris & Montgomerys unlawful reporting of an alleged collection account on my consumer credit report. 

Lockhart , Morris & Montgomery is reporting a collection account with a balance of {$1300.00}, allegedly owed to The XXXX XXXX, opened on or about XX/XX/year>. This reporting is inaccurate, misleading, and not supported by reasonable verification. 

First, this reporting violates 15 U.S.C. 1681 ( a ) ( 2 ), which requires maximum possible accuracy in consumer reports. Reporting a negative balance on a collection account materially misrepresents the nature of the alleged obligation and falsely suggests a credit or overpayment. This is misleading to creditors and does not accurately reflect any valid consumer liability. 

Second, Lockhart , Morris & Montgomery has failed to comply with 15 U.S.C. 1681 ( e ) ( b ) by reporting this account as a verified, derogatory debt without demonstrating that reasonable procedures were used to ensure accuracy. No signed agreement, itemized billing, proof of assignment, or evidence of authority to collect has been provided. 

Third, this account violates 15 U.S.C. 1692g. The company has not provided proper debt validation yet continues to report the account to consumer reporting agencies. Credit reporting constitutes collection activity, and continuing such activity without validation is prohibited. 

Finally, this conduct violates 15 U.S.C. 1692c, as reporting an unverified and disputed debt to consumer reporting agencies constitutes an unlawful communication intended to pressure payment. 

Because this account is misleading, unvalidated, and unlawfully reported, correction is insufficient. The only lawful remedy is complete deletion of this collection account from all consumer reporting agencies. 

I request that the CFPB require Lockhart , Morris & Montgomery to :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
The Ciit bank account showed up on my credit report stating it was opened XX/XX/year>. I informed that It was a fraudulent account and provided them a police report showing I was a XXXX XXXX XXXX XXXX I previously disputer this account and they removed the account. However they placed the account back on my credit and then attempted to take me to court. I informed the XXXX XXXX XXXX this was a fraud account, they stated they would follow up after investigation. Ive yet to have the account removed and stay removed from my credit report. This account is inaccurate, misleading and direct violation of the Fair Credit Reporting Act. Failing to remove and keep removed, this company has failed the legal obligation to ensure the accuracy of the information they're providing. Under the 15 U.S.C 1681e ( b ) and 1681c-2 this company is REQUIRED to block and remove this account immediately. Any " verification '' based solely on information supplied by the original furnisher ( whomever that may be ) is not a lawful investigation. I provided all proof I was a victim of identity theft. Continued reporting of this account constitutes willful noncompliance. I am in the process of contacting the State Attorney General if not removed promptly.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PayTomorrow, LLC
State: TX

Complaint narrative:
I am disputing inaccurate and misleading credit reporting by PayTomorrow LLC. 

The account was paid in full XX/XX/year>. I obtained written confirmation from PayTomorrow and provided receipt showing the payment. 

After payment, the account continues to report delinquent status and late payments on my credit report. I disputed this information with XXXX  and submitted the paid-in-full confirmation and bank documentation. Despite this, PayTomorrow verified the account without correcting the delinquent status. 

Reporting an account as delinquent after it has been paid in full is incomplete and misleading and does not accurately reflect the current status of the account. This reporting continues to negatively impact my credit profile. 

I am requesting a full investigation and correction or deletion of the inaccurate delinquent information being reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I graduated in XX/XX/XXXX, and my student loans were transferred to XXXX. From that point forward, I had no access to my loan account. XXXX system wouldnt recognize my information, and I was unable to log in, view balances, or make payments. 

Throughout XXXX and into XXXX, I contacted XXXX multiple times by phone. Even in XX/XX/XXXX, a representative told me they still couldnt locate my account in their system. Despite this, I continued receiving letters showing late fees and growing balances. I had no way to verify or pay these amounts due to XXXX system issues. 

I finally gained access to my account in XX/XX/XXXX and immediately began making monthly payments. To date, I have paid {$1800.00}. Previous attempts to pay did not go through, not because of negligence, but because the system would not allow me to make payments. 

Despite my efforts, XXXX reported my loans as XXXX to 130 days delinquent. This has caused a drop in my XXXX XXXX from XXXX to XXXX, the cancellation of a credit card, reduced credit limits, rejection for a home loan, and ineligibility for a lower-interest personal loan to consolidate debt. 

All of this occurred while I was actively trying to fix the issue. It was caused by XXXX internal system failures and lack of communication, not by any failure on my part. 

I am a full-time public school teacher at a XXXX XXXX XXXX  and have made every effort to meet my obligations while working full time. I have also submitted a deferment request to XXXX in an attempt to buy time and prevent further damage to my credit while I try to resolve this situation. I am requesting that XXXX remove the inaccurate delinquency reporting, as the issue was entirely out of my control.

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 2025-12-18 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: WA

Complaint narrative:
I am filing this complaint against Equifax Information Services, XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to identity theft. 
Despite submitting a valid FTC Identity Theft Report and supporting documentation, Equifax continues to report multiple fraudulent accounts on my credit file and has failed to comply with its legal obligation to block and delete identity theftrelated information. I first notified Equifax of this identity theft dispute on XX/XX/year>, and followed up again on XX/XX/year>. 
However, Equifax has neither permanently blocked nor deleted the fraudulent accounts listed below, nor has it provided proper verification as required by federal law : XXXX XXXX XXXX XXXX XXXX XXXX.... 
Equifax 's actions constitute violations of the FCRA, including 1681c-2 for refusing to block identity theftrelated information after receiving an FTC Identity Theft Report, 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ) for continuing to report or reinserting disputed information without proper notice or lawful verification. Equifax appears to rely on automated or superficial dispute handling rather than the meaningful investigation required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX  XXXX ( Order # XXXX ) for {$66.00}, which I never received. I filed a dispute with Wells Fargo on XX/XX/year> ( Dispute Case # XXXX ). 

Wells Fargo initially informed me that they would resolve my claim within XXXX business days and provide status updates. However, I never received any request for additional information or guidance. Despite this, the dispute was closed, stating that additional information was needed. 

I believe this dispute was closed improperly, as I was never contacted or given the opportunity to provide the requested information. I respectfully request that Wells Fargo conduct a full review of my dispute and issue a refund of the {$66.00} for merchandise never received.

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 2025-12-18 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I have a mortgage loan with Pennymac Loan Services. They are reporting 30 day late payment on my mortgage only to experian which is incorrect. The correct perfect payment history is reporting on my other bureaus. 

This erroneous reporting has cost me over XXXX in business funding because it has dropped my credit over 60 points. This is unfair, unjust, and needs to be resolved immediately. XXXX  is choose to ignore the proof that there is no late payment and they will not update this. Penny Mac is at fault for falsely reporting this then refusing to move in a timely manner to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Company : XXXX ( Auto Loan Furnisher ) Consumer Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint regarding XXXX failure to properly investigate and respond to a formal written dispute and the continued inaccurate reporting of an auto loan account on my credit reports. 

Detailed XXXX XXXX XX/XX/year>, I submitted a formal written dispute via certified mail to XXXX regarding an auto loan account they are reporting. The dispute challenged the accuracy, completeness, and balance of the account and requested documentation supporting the reported balance, payment history, and derogatory notations. 

XXXX never responded to my certified dispute letter. 

Despite the lack of response or documentation, the credit reporting agencies ( XXXX, Equifax, and XXXX  ) later sent me automated notifications stating that the account was verified. These responses contained no supporting evidence, no documentation, and no explanation of how the investigation was conducted. 

The account continues to report a balance of approximately {$19000.00}, along with derogatory payment history and a profit and loss write-off remark, even though the account is reported as closed. This reporting is inconsistent, misleading, and unsupported. 

Violations and Concerns I believe the following violations may have occurred : Failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ) Failure to respond to a direct dispute submitted via certified mail Inaccurate and incomplete credit reporting, including conflicting account status, balance, and remarks Credit bureau reinvestigations that relied solely on furnisher verification without requiring competent evidence, contrary to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) A verified response without documentation or explanation does not satisfy the legal requirement of a meaningful investigation.

Company response to consumer: Closed with explanation