vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: CO

Complaint narrative:
XXXX, Experian, or XXXX  ) wont correct inaccurate information. 

Complaint type : Credit Experian Issue : Incorrect information on my credit report What happened : I found inaccurate information on my credit report provided by [ Experian/XXXX/XXXX  or creditors name ]. The information in question is : Closed account XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX Closed XX/XX/XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX Closed XX/XX/XXXX Closed account XXXX Closed XX/XX/XXXX XXXX Closed account XXXX XXXX Closed XXXX XXXX, XXXX XXXX All accounts above, marked as unpaid, which I do not recognize or owe. 

I submitted a dispute to the credit bureau on Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Dispute history Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX stating that the account was verified. However, I was not given any documentation showing how the account was verified, and the information remains inaccurate. 

I also contacted the original creditor/debt collector directly and requested verification of the debt on XXXX XXXX, XXXX, but I have not received a meaningful response or any documentation to support their claim. 

Desired resolution : I want this inaccurate information permanently removed or corrected on my credit report. It is affecting my credit score and causing me financial harm. Please assist in having this issue resolved, and request that the company provides documentation of the account verification or removes the tradeline as required under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
Complaint Summary : I am filing this formal complaint against SOURCE RECEIVABLES MANAGEMENT ( also referenced as SOURCE RECEIVABLES MNG ) for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a dispute letter to SOURCE RECEIVABLES MANAGEMENT requesting verification of the accounts they are reporting to my credit file. As of today, they have failed to respond in full or remove the disputed accounts. Their actions violate multiple provisions of federal law. 


Specific Allegations : Failure to Validate Debt FDCPA 1692g ( b ) : I requested the following from SOURCE RECEIVABLES MANAGEMENT : The name and address of the original creditor A copy of a signed agreement bearing my signature A complete and itemized account history The date the alleged debt became payable Documentation of their legal authority to collect or report this account A clear chain of title or assignment They have not provided any of the above and continue to report the account. 

Failure to Demonstrate Permissible Purpose FCRA 1681b : I requested written proof that SOURCE RECEIVABLES MANAGEMENT has a permissible purpose to report information about me to the credit reporting agencies. I have no known relationship or contract with this entity. No such documentation has been provided, which makes their reporting unlawful. 

Failure to Ensure Data Accuracy FCRA 1681e ( b ) : The information reported by SOURCE RECEIVABLES MANAGEMENT is incomplete and potentially inaccurate. This includes missing or vague creditor information, misclassified payment history, and failure to identify whether the account is in collections or settled. Under the FCRA, they are required to report complete and accurate information. 

Continued Reporting of Disputed Information FCRA 1681i : After my dispute, SOURCE RECEIVABLES MANAGEMENT did not notify the credit bureaus that the account is being disputed. This violates the FCRAs requirement that disputed accounts must be marked accordingly and verified before further reporting. 

Lack of Original Signature/Proof of Contract : I have repeatedly requested a copy of my original contract or signature showing I entered a business relationship with SOURCE RECEIVABLES MANAGEMENT or the alleged original creditor. No such documentation has been produced. Without this, they have no legal authority to report anything to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
The following accounts are do to identity theft and are not mine. These accounts were unauthorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Claim # XXXX ( alternative email they have on file : XXXX ) Bank of America closed my dispute again, after I sent valid information. Their reasoning was not in the letter and the one they gave me doesn't make sense as the documents I sent have full breakdown of the charges, dates, and what my responsibility is. I paid with my BOA debit card so they can see the two charges from Affordable Dentures : one for {$1100.00} and one for {$1900.00}. They are closing the claim without a proper investigation. I also faxed them a letter showing the dental office will not be delivering the service I paid for up front. 

I opened a claim to dispute a charge for : {$650.00} back in XXXX as i got information from my insurance that I overpaid. The dental office refused to refund me, even after my insurance called to request, they do so I disputed the amount. I advised Bank of America that I had all the documents needed. The representative advised me I did not need to send anything at the time. A week or two later, I get an email they are closing the claim and reversing the temporary credit since I could not provide proof. However, they never asked me for proof and did not want me to send it when I advised I had it. 

I disputed to get the claim re-opened the beginning of XXXX. This time for the full amount of {$1900.00}, which they never updated ( even after spending 45 minutes on the phone with a claims rep to ensure he updated the new dispute amount ). The new dispute amount happened as I received another update from my insurance company that I overpaid again. I sent Bank of America that information too. I have emails between me and the dental office of me sending them the information showing overpayments. i have a reference # that I included on the dispute from XXXX, who also has been trying to get them to give my money back. 


This has put me in a position as I can not find new care until I get my funds back that i was overcharged for. I expect Bank of America to do their due diligence. I called again on XX/XX/year> and s/w a rep in TN for BOA who tried to re-open the claim and it was denied. I requested it to be escalated to a manager, but one wasn't available. 

I sent valid resources for my claim. I want a proper investigation, and funds credited back to my account for {$1900.00} due to the proofs I've faxed them.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account was charged off but on my report it shows I still owe the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account was charged off but on my report it shows I still owe the company

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 2025-05-17 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: CT

Complaint narrative:
I want to make it clear that this complaint is valid and not submitted in error. My credit report includes information that does not meet the Fair Credit Reporting Acts requirement for maximum possible accuracy. These inaccuracies are having a persistent and detrimental impact on both my financial standing and personal well-being. Given the challenges I am currently facing, I respectfully request that these issues be reviewed and resolved as a matter of urgency. Correcting or removing these inaccuracies would provide meaningful relief and restore fairness to my credit profile.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Requested a copy of the original promissory note on a XXXX XXXX several times since XX/XX/year>. This last request was just made XX/XX/XXXX and I received via email a copy of the same credit report with the same information and no promissory note. Today is XXXX XXXX  10 days later, which shows they did not even take 30 days to at least try to get the promissory note. How long am I suppose to wait, and put up with this before consulting an attorney. Can you send me the appropriate information on what I need to do, because I am not getting any results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have XXXX collections of XXXX debts that are not mine and I need to rent an apartment and I get these debts that are not really mine XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX This collection comes out to me owing {$430.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX This collection comes out to me owing {$690.00} I'm going to file a report with my credit bureau to report that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Showing 2 loan accounts on my credit report. Only one loan was issued filed a complaint. During complaint was still putting negative marks on my report. Reached out several times to get the financial records from XXXX XXXX XXXX which may not exist and keep being told someone will reach out or documents will be sent but nothing done

Company response to consumer: Untimely response
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
Credit Card was opened in XXXX, in XXXX I requested a pause on payments due to the pandemic and disputed unauthorized charges on the account. Instead of pausing the payments, XXXX XXXX  sold the XXXX to Midland Credit Management in XXXX. I was never contacted or made aware of this. 
In the XXXX  of XXXX, I relocated to XXXX  for a job opportunity. At that time, I checked my credit and discovered Midland Credit Management was on the report and disputed it as I had no idea what it was. Within a couple of weeks, the relentless phone calls started. Most of the calls were around XXXX am on XXXX and XXXX. When I asked them to leave me alone, in XXXX of XXXX, Midland Credit Management called my husband claiming to be an attorney and ILLEGALLY disclosed details of the debt and made threats to go after HIS house, which was purchased prior to our marriage. The employee pressured him by saying things like man up and make a payment and in my house, the man takes charge of the finances. 
In XXXX of XXXX I received a Summons in the mail and responded to it within 30 days of receipt. XXXX days AFTER my response was filed with the court, a Sheriff arrived at my house and served me papers ( even though that was not supposed to be done, since my response had already been filed ). I am fed up with this harassment and illegal tactics to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon logging into my account, I was notified that my funds were frozen and instructed to contact customer service. I promptly did so this morning. During the call, I was asked about a {$150.00} check I received several months ago from a client. This payment was for pool maintenance services I provided in XX/XX/XXXX, prior to my unexpected legal situation. 

On XX/XX/XXXX, I was arrested and detained until XX/XX/XXXX, for an incident in which I was wrongfully accused. During this time, my Fourth Amendment rights were violateda matter I am actively addressing through legal channels. 

Before my arrest, I owned and operated a small pool service business. While recently reviewing my financial records in preparation for tax filing, I found the aforementioned check. Normally, I would have deposited it using an ATM via my XXXX XXXX  via atm or counter depending on the day and or time, but that account was closed due to issues stemming from the XXXX incident. Consequently, I deposited the check via mobile deposit through the Capital One appa method I rarely use due to historically slow processing times. However, the funds did eventually clear. 

Now, without prior warning, my Capital One account has been frozen, and I have been informed it is under investigation. I have not received a clear explanation, timeline, or any further guidance, which is extremely concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA

Complaint narrative:
My student loan which is from an XXXX XXXX ( XXXX, the original lender since XXXX ) and Mohela ( which XXXX switched to around XX/XX/XXXX ) has me seemingly locked in a payment system whereby my balance will not be reduced past {$40000.00} no matter how much I pay them. 

There is a long history that shows what I believe are illegal practices by them, but the most recent is that I was told by XXXX which is now Mohela, that I owed them {$3.00}, XXXX in accrued unpaid interest and so they have been deducting interest only payments from my account since XX/XX/XXXX to present. Because of this, my principal balance has not reduced past {$41000.00}. 

I've questioned them about this. I wanted to know why I had accrued {$3200.00} in unpaid interest and was given differing explanations that made no sense to me. Because of my questions they promised me a declining balance of my account in the mail which they said would explain everything. They have not sent this. 

In the meantime, I've paid them well over what they claim I owed them, {$4100.00} USD, to be exact, and they are still deducting interest only payments from my account. And my principal balance continues to scarcely shift.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: LA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX that are inaccurate and not properly verified I have disputed this directly with the credit bureaus and the furniture but the late payments remain with out proper verification or documentation under 15 usc 1681s2 a furnitures must report accurate accurate information under 15 usc 1681I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the XXXX  XXXX was hacked. I was not aware that payments wasnt going through. Our deposits wasnt coming in. I should not be held responsible for their mistake.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I check my credit daily and, today, once again, TransUnion lowered my score XXXX points and put back old information. It may be a computer glitch, but I doubt it because it has become a pattern with them and it's hurting me financially. My Equifax and Experian scores are XXXX - XXXX points higher and they still haven't restored the XXXX points they knicked on XX/XX/XXXX ( see previous complaint, I will attach ID number ). When they finally would report an accurate balance of zero on an account, they would report utilization of 98 %. There is no way this is not intentional and it's 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 2025-05-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXXXXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation