vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
The company confirmed that on XX/XX/year> they received the police report, affidavit confirming I did not receive any goods or services from this unknown account. 

My XXXX was stolen and its connected to the number associated on the account with an email address saved on there as well. These XXXX were used to open the account and charge {$4500.00} on XXXX XXXX. 

I asked the company to compare the XXXX device numbers with my device and guarantee they do not match, its a guaranteed way to prove that it was not my phone but my stolen device that was utilized. Discover refused and said they will not open the investigation. 

I request discover approved my Id theft claim like the other XXXX credit cards did as a result of my stolen device.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
This item reflects inaccurate financial conduct attributed to me. I ask that the matter be examined and corrected 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 2025-11-25 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: MS

Complaint narrative:
I am disputing several items reported by TransUnion that appear inaccurate, outdated, or unverifiable. 

Charged-Off Accounts in Dispute : XXXX ( Account Nos. XXXX through XXXX ) various dates XXXX XXXX XXXX ( Account No. XXXX, reported XX/XX/XXXX ) XXXX  XXXX ( Account No. XXXX, reported XX/XX/XXXX ) These accounts are being reported as charged off without proper documentation or validation. I request proof of ownership, itemized balance history, and creditor verification under FCRA XXXX and XXXX. 

Unauthorized / Questionable Inquiries : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I am disputing these inquiries as potentially unauthorized. Please provide documentation of permissible purpose, or remove them if they can not be verified. 

Late Payment Reporting : XXXX ( Account No. XXXX ) I dispute the accuracy of the late payment data. Please review and correct if necessary. 

Consumer Statement Closing : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request reinvestigation and verification of all disputed items listed above. Any unverifiable, inaccurate, or incomplete items must be corrected or deleted from my file. Please provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 
I am a consumer working diligently to repair and ensure the accuracy of my credit reports.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
This collection company keeps trying to contact me. 

I have repeatedly told them that they are not contacting the right person. The person that owes the debt has a different middle and last name, and different date of birth. 

Additionally. They are calling me at XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXX : Verified XXXX XXXX Investor Checking as an external transfer partner with my Ally Bank Checking account ( email proof ) XX/XX/XXXX : I requested a transfer through Ally Bank to have {$100000.00} withdrawn from my XXXX XXXX Investor XXXX account to my Ally Bank Checking Account ( email proof ) XX/XX/XXXX : Funds are debited from my XXXX XXXX account via XXXX ( XXXX ID : XXXX ) XX/XX/XXXX : Receive email from Ally Bank that my XXXX XXXX account has been suspended for external transfers XX/XX/XXXX : Receive a phone call from Ally Bank with a lack of explanation on why the suspension occurred but they re-activated the XXXX account for transfers ( email proof ). I was told the funds which had been debited from XXXX will be returned. [ There is no further proactive outreach by Ally bank to explain there is an issue at what steps are being taken to resolve it. ] XX/XX/XXXX : According to Ally website the transfer status is " Skipped '' -- not even a term listed on their info sheet about transfer statuses. 

XX/XX/XXXX : Ally support tells me there has been a reversal but can not provide the Trace ID. Informs me I need to file a dispute with XXXX even though the transfer was requested through Ally, funds were successfully debited from XXXX via XXXX, and Ally has somehow lost them in the process. 

XX/XX/XXXX : XXXX support opens a ticket regarding this. They are understanding, sympathetic and as helpful as possible but they are skeptical however because they did their end of the transfer and Ally should be handling tracking down the funds and reversing the transfer. I do a conference call with XXXX and Ally to see if there's any help in having the XXXX institutions talk -- Ally remains unhelpful. 

XX/XX/XXXX : Ally support refuses to take accountability for the missing funds and points me back to XXXX again. They inform me the XXXX transfer debited from XXXX, made it to the Federal Reserve but the funds were not credited to my Ally account and tell me again to contact XXXX while taking no steps to resolve this. Seemingly the funds are now stuck in the middle with the Federal Reserve and I'm not sure how to have them returned or why Ally is refusing to participate in tracking down the funds for a transfer initiated through their bank which they bungled.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX Georgia and their third-party collection agency are attempting to collect an inaccurate, inflated, and unvalidated debt related to my former rental at XXXX XXXX XXXX. 



I lived in the home for only XXXX months ( XXXX 2024 ). After my eviction, the landlord added thousands of dollars in charges that appear unlawful or unsupported under Georgia landlord-tenant law. These charges include : {$12000.00} in accelerated rent with no proof the landlord mitigated damages or attempted to re-rent the home Excessive cleaning charges ( {$770.00} ) Carpet cleaning after XXXX months of tenancy ( {$380.00} ) Nearly {$800.00} for touch-up paint, which is normal wear and tear {$780.00} for trash/debris removal with no photos or invoices {$880.00} labeled as eviction labor, which is not a legally permitted charge Multiple questionable late fees Failure to credit a XX/XX/year> rent payment I made, and provided inaccurate reason to not accept payment, after payment was received by due date, with proof to follow as well. 



I requested validation from both XXXX XXXX and the collection agency, including invoices, receipts, inspection reports, photos, proof of mitigation for accelerated rent, and proof of my XXXX payment. I also asked for a corrected ledger. 


The company has not provided any of the documentation required to validate this debt, yet the collection agency continues pursuing me for the full amount. 

Several of these charges represent normal turnover costs, inflated labor fees, or charges that require legal justification the company has not provided. 

I am requesting CFPB assistance because the debt appears inaccurate, unvalidated, and unlawfully inflated, and the collection agency is attempting to collect it without providing proper documentation or corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: DE

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On today, my account was restricted. When I called the number that was provided in the email, I went through numerous verification steps. Each was successful. After the verification, the representative disconnected the call stating she did not feel like she was talking to the account owner.

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 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A salesperson at Home Depot told me I could get XXXX  years with no interest or payments and said I was approved for $ XXXX. I ended up getting a high interest credit card bill in the mail. I believe the sales rep forged my name. It was all done over the phone and I was not informed that I was signing up for a credit card. I ended up dealing with XXXX XXXX. She sometimes would not call me back for a few weeks. A few weeks ago she told me they would take care of it and that I should not pay the card. She said they made a mistake and it should have been a personal and not a business card and that we would take card of it online and I needed to sign up for the consumer non-business card, which I did. Yesterday she told me to pay the card and to come into the store. Yesterday I got a call from the credit card people from citibank saying I was late. I told them what happened and she said that this happens all the time.

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 2025-11-25 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA XXXX ( a ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA XXXX, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA XXXX ( a ) :

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 2025-11-25 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation