vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> Consumer Portfolio SVC XXXX XXXXXXXX XXXX XXXX, Ca XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that I am disputing your claim and requesting full validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : XXXX. The name and address of the original creditor. 
2. The exact amount of the alleged debt, with an itemized statement showing how it was calculated.

3. Copies of any agreement or contract bearing my signature that makes me legally obligated to pay.

4. Proof that you are licensed to collect debts in Georgia.

5. Documentation that you own the debt or have been assigned to collect it.

Until you provide proper validation, you must cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, you must immediately inform the credit bureaus that the debt is disputed. 

Please note that any attempt to collect without providing the requested validation is a violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and other appropriate authorities. 

I request that all further communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-09-30 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: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent TransUnion data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified by me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recent XXXX data breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified by me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
The lack of competence started upon moving in XX/XX/XXXX in which there were existing broken windows and blinds that I have pictures of with timestamps. The manager that handled the lease agreement told me they were running a promotion that would waive the upfront amount due for a deposit but would be charged to me in the amount of {$31.00} per month as a XXXX XXXX XXXX. This is stated on the resident ledger. In XXXX of XXXX, I went to fill out a Notice of Intent to Vacate form so that I was in compliance with their 60-day notice policy. I filled it out in the office and handed it to the office manager on duty. In XXXX, I sent an email to inquire about my final costs and that is when they told me I never handed in the Notice to Vacate, which was incorrect. They had lost it. At this time, they had contacted my mother because they had her name on the lease as well, which was never told to my mother or me and was unnecessary due to the fact that they did not need me to have a co-signer. They eventually agreed to accept the Notice to Vacate and the date of XX/XX/XXXX. This was a result of my mother having to go into the office and make them show paperwork that had her name as a cosigner. They did not have anything signed by my mother and my mother told them that without a signature it is not a binding contract and therefore can not insist she is on the lease. At this time the office manager also gave me a written prorated move-out cost of {$570.00}. She stated that the deposit waiver and the Monthly Damage Waiver Program Fee would take care of the cleaning and touch-up paint. XX/XX/XXXX, was the last day of the lease. I never received a bill in the mail or by email to notify me that they were claiming I owed them for damages. It was not until the collections company sent me a bill was I aware of anything owed. I went to the website to fill out a dispute which included pictures of damages that they were supposed to have had fixed when I moved in. The man assigned to my account ignored my complaint and told me to just pay it. I also emailed the rental company and was ignored.

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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am again disputing the above-referenced collection account, which is being reported on my credit file. 
This debt is not mine. Despite my prior dispute on [ XX/XX/year> ], the item has been reported back as verified, yet no supporting documentation proving that I am responsible for this debt has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must conduct a reasonable reinvestigation whenever a consumer disputes information and delete any information that can not be verified ( 1681i ( a ) ( 5 ) ( A ) ). 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that, once a debt is disputed in writing, the debt collector must cease collection efforts and provide proper validationincluding a copy of the original signed contract or other documentation that proves I am legally obligated for this debt.

Your verification to date has not included : 1.A copy of the original contract or application bearing my signature ; 2.A full payment history showing how the alleged balance was calculated ; or 3.Proof of assignment or transfer of the debt to the current collection agency. 

Absent such evidence, continuing to report this account is a violation of FCRA 1681i ( a ) ( 5 ) ( A ) and FDCPA 1692e ( 8 ), which prohibits communicating or threatening to communicate false credit information.

I hereby demand : A full description of the procedures used to verify this account under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ; and Immediate deletion of the collection account from my credit file unless full, documented proof of my liability can be provided. 

Please respond within 30 days of receiving this letter as required by law. If you continue reporting this unverifiable collection, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and consider further legal action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I am disputing the inaccurate reporting of my XXXXXXXX XXXX XXXXXXXX account, which reflects a balance of {$0.00}, a date opened of XX/XX/XXXX, and a date of last payment of XX/XX/XXXX. Despite this account showing no balance and no ongoing obligation, the credit report inaccurately lists multiple late payments : XXXX  days late in XX/XX/XXXX and XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Reporting late notations on an account with a XXXX balance creates a misleading and unfair impression of current delinquency. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], obsolete or misleading information must not be reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to report only accurate information, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of my XXXXXXXX XXXX XXXXXXXX account, which reflects a balance of {$0.00}, a date opened of XX/XX/XXXX, and a date of last payment of XX/XX/XXXX. Despite this account showing no balance and no ongoing obligation, the credit report inaccurately lists multiple late payments : XXXX  days late in XX/XX/XXXX and XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Reporting late notations on an account with a XXXX balance creates a misleading and unfair impression of current delinquency. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], obsolete or misleading information must not be reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to report only accurate information, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I have reason to believe that my personal information may have been compromised as a result of the recenXXXX XXXX XXXXata breach. This is very concerning under the Fair Credit Reporting Act, because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidentiality of consumer data. Under my rights provided by the FCRAspecifically sections 602, 607, and 611as well as the Gramm-Leach-Bliley Act, I am requesting the immediate deletion of any accounts, inquiries, or records on my file that can not be fully and independently verified by me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX SSN : XXXX Date XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Noncompliance and Lack of Verification under FCRA To Whom It May Concern : This is my second dispute regarding the following unauthorized inquiries on my credit report. In the first attempt, I did not receive proper verification or supporting documentation to justify their presence. 

Disputed inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681b, all inquiries must have a permissible purpose. Furthermore, according to METRO 2 guidelines, inquiries must be associated with an active account or formal request. 
I hereby demand : 1. Immediate deletion of all unverified inquiries.

2. A copy of the signed contract or evidence of my authorization.

3. Correction of my report according to the accuracy obligations under 607 ( b ).

If this issue is not resolved, I reserve the right to file a formal complaint with the CFPB and other relevant agencies. 

Sincerely, 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 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding US BANK s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. US BANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

US BANK 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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am again disputing the above-referenced collection account, which is being reported on my credit file. 
This debt is not mine. Despite my prior dispute on XX/XX/year>, the item has been reported back as verified, yet no supporting documentation proving that I am responsible for this debt has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must conduct a reasonable reinvestigation whenever a consumer disputes information and delete any information that can not be verified ( 1681i ( a ) ( 5 ) ( A ) ).

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that, once a debt is disputed in writing, the debt collector must cease collection efforts and provide proper validationincluding a copy of the original signed contract or other documentation that proves I am legally obligated for this debt. 

Your verification to date has not included : 1.A copy of the original contract or application bearing my signature ; 2.A full payment history showing how the alleged balance was calculated ; or 3.Proof of assignment or transfer of the debt to the current collection agency. Absent such evidence, continuing to report this account is a violation of FCRA 1681i ( a ) ( 5 ) ( A ) and FDCPA 1692e ( 8 ), which prohibits communicating or threatening to communicate false credit information. I hereby demand : A full description of the procedures
used to verify this account under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ; and Immediate deletion of the collection account from my credit file unless full, documented proof of my liability can be provided. 

Please respond within 30 days of receiving this letter as required by law. If you continue reporting this unverifiable collection, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and consider further legal action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am disputing the late payment reflected on my credit file. This reporting is inaccurate and misrepresents my responsible payment behavior. I have consistently paid on time, and this negative mark is unjust, harmful, and misleading.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I opened a sofi account to pay a lady for some birds it did not go thru today I got email saying my account was restricted would not tell me why said they may send me a check in 30 days I need my money im a XXXX veteran just trying to get by XXXX is a lot of money to me I need it XXXXXXXX XXXX  va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-30 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-30 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation