vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On or around XX/XX/year>, I applied for a personal loan with the company after being shown eligibility based on a soft credit check. I then consented to a XXXX  credit inquiry and proceeded with the application. 
On XX/XX/year>, I received an email from the company requesting employment-related documents. The email did not state that the documents must be sent directly by my employer. It only requested that I provide the information. I submitted all requested documents from my personal email address on XX/XX/year>. 
After submitting the documents, I contacted customer service on XX/XX/year> to confirm receipt. During that conversation, I was informed for the first time that the documents must be sent directly by my employer. This requirement was not disclosed prior to the XXXX  credit inquiry and was not mentioned in the document request email. 
I explained that my employer does not send employment verification documents directly to XXXX  XXXX  as a matter of policy. I requested alternative verification options. During this interaction, a customer service agent stated that employment verification could potentially be completed through a credit bureau or XXXX verification method. However, this option was not attempted, and no alternative verification method was offered. 
On XX/XX/year>, the application was denied with the reason unable to verify employment. While a reason was provided, the undisclosed requirement and refusal to attempt reasonable alternative verification methods made the application impossible to complete after the XXXX  credit inquiry had already occurred. 
I believe this process is misleading and resulted in an unnecessary XXXX  credit inquiry. I am requesting XXXX review, a written explanation of the underwriting process used, and consideration for removal of the XXXX  credit inquiry associated with this application. 

Application id : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OR

Complaint narrative:
I am writing to formally dispute and report fraudulent and inaccurate information being reported on my credit report by Hunter Warfield , Inc. regarding an alleged rental property debt in XXXX XXXX, Oregon. 

Background and Facts I signed off and vacated the lease in XX/XX/year>, after living at the property for approximately one month. I vacated the unit due to an unsafe and unstab
le living environment caused by another tenant.

I was not residing at the property at the time the alleged damages, eviction, or charges occurred.

I did not cause, agree to, or authorize any of the damages being claimed.

The remaining tenants were later evicted, and the property was left in disrepair after I had already legally vacated and signed off the lease. 

Despite this, Hunter Warfield , Inc. is inaccurately reporting me as responsible for property damage and debt that occurred after my tenancy ended.

Reporting Violations This debt is : Inaccurate Fraudulently attributed Over six years old Reported without proper verification In violation of the Fair Credit Reporting Act ( FCRA ) I have made multiple good-faith attempts to resolve this matter by contacting the original apartment complex. However, the property is now under different management, and despite repeated calls, I have been unable to obtain proper documentation or resolution.

Formal Request Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am formally requesting that : This account be investigated immediately Hunter Warfield , Inc. be required to provide full legal documentation proving I am responsible for the alleged debt If they can not provide valid proof, the account be deleted entirely from my credit report Any negative reporting related to this account be removed immediately I am also requesting written confirmation of the results of your investigation.

Enclosures ( if applicable ) Copy of my ID Proof of address Any documentation showing lease termination or move-out ( if available ) This matter has caused significant financial and emotional distress, and I expect compliance within the required investigation timeframe. 

Thank you for your prompt attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
A former landlord sent an alleged rent balance of approximately {$15000.00} to a collection agency. The landlords own final account statement shows the unit was re-rented on XX/XX/year>, yet the balance includes rent, late fees, and collection charges assessed after that date. Arizona law requires mitigation of damages once a unit is re-rented. 

The balance also includes excessive and duplicative late fees, charges for normal wear and tear, and an improper collection fee. A {$400.00} deposit was applied but the remaining balance appears inflated and unsupported. 

There is no court judgment or eviction record supporting this amount. I disputed the account with the credit bureau and requested itemized validation, but the collection continues to be reported with an inaccurate balance. 

I am requesting correction or removal of the inaccurate credit reporting and proper validation of the alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
1. Wrote letter asking for COMPLETE written proof of Debt.

2. Called several times to stop withdrawing {$120.00} on the XXXX of every month from my bank account, but in vain.

3. Though promised by them over phone never stopped taking money from my account.

4. Never provided any written response to my requests several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I previously held a Target credit card. 
After the account was charged-off in XX/XX/XXXX, I entered into a written payment plan with Target Card Services starting in XX/XX/XXXX with an {$80.00} down payment paid over the phone with the collection agent, following then with 5 monthly ACH payments for {$77.00} each beginning in XX/XX/XXXX and concluding in XX/XX/XXXX. 
I received written confirmation of the payment plan and written confirmation of each successful ACH payment. 
The final payment under this plan was made in XX/XX/XXXX, after which the account balance should have been reported as {$0.00}. 
I pulled a credit report in XX/XX/XXXX to realize that the account balance and past due balance are reporting as {$380.00}. 
I sent direct dispute letters to Target on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting the balance be updated to {$0.00}. I attached copies of the payment plan, payment confirmations and previous dispute letters. Balance information remains unchanged. 
I have also disputed with the 3 credit bureaus via their online platforms on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All investigated have failed to update balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-12-14 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: OK

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unlawfully reported information on my consumer credit report. The items listed below continue to be reported without proper verification or authorization, in violation of federal consumer protection laws. This inaccurate reporting has caused harm to my credit standing. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX I have no knowledge of this address, and it has never been associated with me. The continued reporting of an address that does not belong to me indicates a failure to maintain accurate consumer identifying information.

Under FCRA 609 ( a ) ( 1 ), I have the right to accurate personal information being reported. Additiona
lly, FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Since this address can not be verified as mine, it must be deleted immediately from my credit file. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Status : Collection I have no knowledge of this account, nor do I recall ever authorizing or entering into any agreement related to this alleged collection. To date, I have not been provided with any competent evidence proving that this account belongs to me.

Under FCRA 611 ( a ), Experian is required to conduct a reasonable reinvestigation and verify the accuracy of this account. Furthermore, FCRA 607 ( a ) prohibits the reporting of unverifiable information, and FCRA 623 ( a ) ( 1 ) bars furnishers from reporting information they can not substantiate as accurate. 
Since this account has not been properly verified, it must be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this credit inquiry, nor did I provide written or verbal consent for Credit Acceptance to access my credit file. This inquiry appears to be the result of unauthorized access. 
Under FCRA 604 ( a ), a consumer report may only be accessed for a permissible purpose. Additionally, FCRA 609 ( a ) grants me the right to know and challenge any party that accessed my credit without authorization. As this inquiry lacks a permissible purpose, I request that it be investigated and deleted immediately. 

I request CFPB assistance to ensure immediate correction and deletion of the above inaccurate items in compliance with federal 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
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Opened a card with comenity bank ceasars credit card on XX/XX/year> they have an annual fee of XXXX I paid the XXXX on XX/XX/year> and the closed the account on XX/XX/year> for no reason I have plenty cards and I just asked them to refund the annual fee and they said the were unable too. They are robbing people. I want a refund. Thank you please investigate this company. I never had a card closed unless I just didnt use it for years. Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Credit Collection Services for reporting a collection account that is inaccurate and unverified. 

This account lacks validation, including proof of liability, itemized billing, and authorization to collect. The balance amount is disputed, and no documentation has been provided to substantiate the debt.

Reporting unverified information violates FDCPA 15 U.S.C. 1692g and FCRA 15 U.S.C. 1681s-2 ( b ). I request that this account be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information and file a former complaint against Credence Resource Management.The account listed on my consumer report is being reported as settled for less by the collection agency. This reporting is factually incorrect. 
I never owed any debt and I have never made any payment or settlement related to this account. No agreement, settlement, or partial payment ever occurred. Reporting this account as settled for less falsely implies that I owed the debt and paid a portion of it, which is untrue. This information is inaccurate and incomplete in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I was also harassed by this company as I was called multiple times by numbers that were unknown and they would not identify themselves. Additionally, I never received any kind of notices by mail or from an original creditor about debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: PA

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information appearing on my credit file. The addresses listed below do not belong to me, and I have no knowledge of them. Their continued reporting is misleading and violates my rights under federal law. 

XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX This address has never been associated with me in any capacity. I did not reside at, receive mail at, or authorize the reporting of this address. Reporting an address that can not be verified as mine violates FCRA 609 ( a ) ( 1 ), which requires credit bureaus to disclose the source and accuracy of reported information. Additionally, under FCRA 611 ( a ), Equifax is required to conduct a reasonable reinvestigation. Since this address is inaccurate and unverifiable, it must be deleted immediately. Continued reporting also violates FCRA 607 ( b ), which mandates maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I have no knowledge of this address, nor have I ever authorized Equifax or any data furnisher to associate it with my credit profile. The inclusion of this address constitutes inaccurate personal identifying information under FCRA 602 ( a ) and 607 ( b ). If Equifax can not provide documented proof that this address belongs to me, FCRA 611 ( a ) ( 5 ) ( A ) requires its deletion from my credit file.

I am requesting immediate investigation and permanent deletion of the inaccurate addresses listed above, with written confirmation once corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a Amex gift card with XXXX. I made a purchase online on XX/XX/XXXX at XXXX for XXXX. Amex authorized the transaction but then blocked XXXX from taking the funds labeling it as fraudulent even though I spoke with them and educated them its not. I was hung up on and no one offered any resolution and now Im about to lose the item due to them refusing to release the hold and or allowing the transaction go through and this is the third time of them doing this. I want the funds released immediately or for them to be fined and them to owe me additional money due to them practicing unethical actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
XXXX  I am disputing inaccurate information on my credit report. The item appears on my XXXX XXXX XXXX report under the name XXXX XXXX ] '' with last four of XXXXXXXX XXXX XXXXXXXX account XXXX # XXXX # XXXX, - {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$770.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX  # XXXX {$890.00} XXXXXXXX XXXX XXXX XXXX XXXX # XXXX {$1900.00} XXXX. XXXX XXXX XXXX. XXXX # XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX. XXXX # XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX - {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$770.00} XXXX .. XXXXXXXX XXXXXXXX XXXX account number # XXXX XXXX, - {$2100.00} The information is inaccurate because, I did not accrue these debts., This account does not belong to me, The balance is incorrect, Some of these accounts were included in a bankruptcy, This is identity theft. The person that accrued these debts is no longer in my life. It was done in a prior relationship I had. Not by me. Several items have already been removed from my credit report, but not all that I requested including the XXXX balance items. And I have already sent in FTC reports. 

I requested that the credit reporting company correct or remove this information, but it remains unchanged. I am now requesting that the CFPB have the credit reporting company, and the furnisher conduct a full FCRA investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
I opened two new joint checking accounts with my wife using Texas Capital 's website on XX/XX/year>. On XX/XX/year> I visited the Texas Capital branch in XXXX, Texas in person and deposited {$500.00} in cash into one account and {$100.00} in cash into the other. That same evening I used the Texas Capital website to create an EFT to pull {$5000.00} from my old joint checking account with XXXX to the new account in which I had already deposited {$500.00}. The {$5000.00} withdrawal was successfully withdrawn from my XXXX account on XX/XX/year> and posted to the new Texas Capital account on XX/XX/year>. On XX/XX/year> the new account at Texas Capital containing {$5500.00} disappeared from my online account with Texas Capital. I messaged customer service on XX/XX/year> asking what happened to my bank account and they responded that it was 'restricted ' and 'under review '. Texas Capital refused to provide any information as to the reason why or when the so-called 'review ' would be complete and access to my funds restored. I then phoned the XXXX branch I had visited and asked to speak with the manager. The phone was answered by the teller, XXXX, with whom I had deposited cash the previous week. She refused to put the branch manager on but advised the branch manager would call me back. Hours later, the branch manager had still not telephoned so I called back and was told again that my account was 'under review ' and that I would be contacted. Texas Capital then lied to me and said there was a problem with the {$5000.00} EFT from XXXX and I should contact XXXX. I called XXXX who confirmed there was absolutely nothing wrong with the transfer and that funds had been sent to Texas Capital. On XX/XX/year> I messaged Texas Capital customer service demanding my money and they again said my account was restricted and under review and that somebody would call me. Nobody ever responded to me. Texas Capital bank has stolen {$5500.00} from me and I want it back immediately.

Company response to consumer: Closed with explanation