vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am a XXXX Bank Customer. I received a text message and phone call using my bank 's phone number today. I double-checked that it was actually the bank 's phone number before giving any information, as they said they were calling to clear up some fraudulent transactions. They said they were from the XXXX Bank FDIC Dept and mentioned that the fraud was attempted both in person and online. They asked me to verify my account via SSN, PA driver 's license number, address and former addresses and my account numbers. I gave them all of this info, and then proceeded to follow the directions in my banking app to " stop the online transactions before they went through ''. Unfortunately, this coaxed me into sending money to a Wells Fargo bank account. 

They referred to what I now know were account number ( s ) as FDIC " cancel codes '' and the routing numbers as " case numbers. '' I realized later that they were bank accounts. This resulted in two separate transactions, which I sent to the following bank accounts : Transaction 1- {$3800.00} account number : XXXX routing number : XXXX bank : Wells Fargo Name : XXXX XXXX XXXX XXXX XXXX account number : XXXX routing number : XXXX Following these transactions, I lost my funds and XXXX Bank could not stop the transaction. I also called Wells Fargo bank, but they would not talk with me about the transactions because I am not a customer at their bank. They did not record the account number I was referencing, and they did not connect me with their fraud department. When I asked if I could please forward them my police report, they also declined.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Accounts are being reported under my name without my knowledge or authorization. I have never opened or managed them. This is unacceptable and misrepresents my financial history. I take my credit seriously and demand immediate clarification on why these accounts appear and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Dear Sir or Madam, I am formally disputing the alleged debt your company claims to be collecting on, which appears to be associated with XXXX XXXX and is currently being reported by Rent Recovery Solutions to XXXX in the amount of {$4400.00}, with a reported open date of XX/XX/year>. 

I have no knowledge of this debt, never entered into any lease or agreement with the original creditor, and have no prior relationship with either party. This account is being reported as a seriously past due collection, causing material harm to my credit standing. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have submitted a written dispute and demand for full validation, which must include : A signed lease or contract bearing my name ; A full itemized breakdown of the charges claimed ; Proof of legal assignment or purchase of the debt ; A copy of the Forward Flow Agreement demonstrating that documentation and accuracy warranties were transferred ; Proof that Rent Recovery Solutions is licensed to collect in my state. 

The Forward Flow Agreement is particularly important, as these documents often exclude critical account-level data and include disclaimers that compromise accuracy. Without these, the debt is legally unverifiable, and continued reporting or collection violates federal law. 

To date, the company has failed to produce any such documentation. Yet the account remains reported as a derogatory tradeline. This constitutes a willful violation of : FCRA 1681e ( b ) ( failure to ensure maximum accuracy ), FCRA 1681s-2 ( b ) ( failure to investigate and correct after dispute ), and FDCPA 1692g ( b ) ( continued collection activity without validation ).

This statement also serves as a formal cease and desist notice under FDCPA 805 ( c ). Any continued contact or reporting without full validation will be considered harassment and reported to the CFPB, FTC, and state Attorney General, and I will pursue private legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
Accounts are being reported under my name without my knowledge or authorization. I have never opened or managed them. This is unacceptable and misrepresents my financial history. I take my credit seriously and demand immediate clarification on why these accounts appear and who is responsible for reporting 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
These accounts listed below are all fraudulent accounts due to the credit breach and my information being leaked to the dark web. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, BY law, these accounts listed must be removed

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 2025-06-05 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: CL Holdings LLC
State: OK

Complaint narrative:
Complaint Summary Description Nature of Complaint : Improper retention, reporting, and potential mishandling of consumer credit data in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681c-2 ( disposal of consumer information ) and related provisions.

Description : I am submitting this complaint after reviewing my XXXX credit report dated XX/XX/2025, which includes multiple negative accounts reported by third-party debt collectors and data furnishers that appear to be : Inaccurate Unverified Potentially obsolete or unlawfully retained These accounts include collections and charge-offs from agencies such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and others . I have reason to believe that some of these companies : Are reporting outdated or incorrect information Have no verifiable proof of ownership or legal right to collect the alleged debts May have obtained or retained my consumer data improperly in violation of 15 USC 1681c-2, which requires secure disposal of consumer information when it is no longer legally in use Failed to validate debts when requested, violating 15 USC 1692g and 1681i I am concerned that my sensitive personal and financial information may have been shared, stored, or disposed of improperly, putting me at risk of identity theft or unauthorized use. Furthermore, the continued reporting of unverifiable and derogatory accounts is causing material harm to my credit, reputation, and financial opportunities.

Requested Resolution : Full deletion of any unverifiable, outdated, or improperly held accounts A formal FTC investigation into these data furnishers FCRA compliance and data disposal practices Cease and desist orders against collectors who can not produce legally required documentation Written confirmation that all applicable consumer data is being securely maintained or disposed of in compliance with the law Compensation or additional protections if violations led to financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: Convergent Resources, Inc.
State: OK

Complaint narrative:
Complaint Summary Description Nature of Complaint : Improper retention, reporting, and potential mishandling of consumer credit data in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681c-2 ( disposal of consumer information ) and related provisions.

Description : I am submitting this complaint after reviewing my XXXX credit report dated XX/XX/year>, which includes multiple negative accounts reported by third-party debt collectors and data furnishers that appear to be : Inaccurate Unverified Potentially obsolete or unlawfully retained These accounts include collections and charge-offs from agencies such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others . I have reason to believe that some of these companies : Are reporting outdated or incorrect information Have no verifiable proof of ownership or legal right to collect the alleged debts May have obtained or retained my consumer data improperly in violation of 15 USC 1681c-2, which requires secure disposal of consumer information when it is no longer legally in use Failed to validate debts when requested, violating 15 USC 1692g and 1681i I am concerned that my sensitive personal and financial information may have been shared, stored, or disposed of improperly, putting me at risk of identity theft or unauthorized use. Furthermore, the continued reporting of unverifiable and derogatory accounts is causing material harm to my credit, reputation, and financial opportunities. Requested Resolution : Full deletion of any unverifiable, outdated, or
improperly held accounts A formal FTC investigation into these data furnishers FCRA compliance and data disposal practices Cease and desist orders against collectors who can not produce legally required documentation Written confirmation that all applicable consumer data is being securely maintained or disposed of in compliance with the law Compensation or additional protections if violations led to financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This company has continued to report inaccurate and conflicting information on my credit report for over 36 months. They have sent me only partial account statements and can not verify the information reported. Despite multiple disputes and a cease and desist, they continue to report unverifiable and inconsistent data. I also submitted a police report and ftc report over a year ago. 

This violates the FCRA. Im requesting immediate deletion of the account and for them to stop all further contact. My next step is litigation.

Resolution Requested : Delete the account from all credit bureaus Cease all communication Comply with FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), I am formally disputing the following inaccuracies on my credit report. Please investigate and remove or correct all erroneous items, including : 1. Incorrect Personal Information : Wrong Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Social Security Number : Ending in XXXX Incorrect Phone Number : XXXX XXXX. Disputed Negative Accounts : I dispute the following accounts, which are either inaccurate, fraudulent, or do not belong to me : XXXX XXXX. 

XXXX XXXX XXXX XXXX / XXXX XXXX National Credit Adjusters Possible Financial These items are incomplete, misleading, or unverified under 15 U.S. Code 1681c. I request : Verification of the debts ( proof of ownership, original contract, and payment history ).

Removal of unverified or incorrect items within 30 days as required by law.

Correction of all personal information ( name, address, SSN ).

Supporting Documents : Copy of my government-issued ID Proof of my correct address ( e.g., utility bill ) Social Security card ( last four digits redacted ) Please provide a corrected credit report and confirmation of deletions once the investigation is complete.

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 2025-06-05 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:
Under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), I am formally disputing the following inaccuracies on my credit report. Please investigate and remove or correct all erroneous items, including : 1. Incorrect Personal Information : Wrong Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Social Security Number : Ending in XXXX Incorrect Phone Number : XXXX XXXX. Disputed Negative Accounts : I dispute the following accounts, which are either inaccurate, fraudulent, or do not belong to me : XXXX XXXX. 

XXXX XXXX XXXX XXXX / XXXX XXXX National Credit Adjusters Possible Financial These items are incomplete, misleading, or unverified under 15 U.S. Code 1681c. I request : Verification of the debts ( proof of ownership, original contract, and payment history ).

Removal of unverified or incorrect items within 30 days as required by law.

Correction of all personal information ( name, address, SSN ).

Supporting Documents : Copy of my government-issued ID Proof of my correct address ( e.g., utility bill ) Social Security card ( last four digits redacted ) Please provide a corrected credit report and confirmation of deletions once the investigation is complete.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
They ended up taking to us to court where we had a pretrial, they told my wife not to be a google lawyer and hung up on us after asking for the contract that they are using to sue us because the company states that they cant sue us in the original contract, they then mailed us something that weighed over 3 pounds and put a single stamp On it knowing we cant afford the extra money and will not return calls about what the paper is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
In XX/XX/year>2022, I was a victim of identity theft, a situation that has generated various irregularities related to the improper use of my personal information. As a result of this fraudulent activity, I have identified an account reported by XXXX XXXX, with account number XXXX, for an amount of {$7600.00}. I want to state that I do not recognize this account, as I have never had any contractual or financial relationship with this entity. Therefore, I formally request the immediate removal of this account from my credit history, in accordance with the Fair Credit Reporting Act ( FCRA ), since this is a debt that was neither authorized nor generated by me.

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 2025-06-05 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:
In XX/XX/year>2022, I was a victim of identity theft, a situation that has generated various irregularities related to the improper use of my personal information. As a result of this fraudulent activity, I have identified an account reported by XXXX XXXX, with account number XXXX, for an amount of {$7600.00}. I want to state that I do not recognize this account, as I have never had any contractual or financial relationship with this entity. Therefore, I formally request the immediate removal of this account from my credit history, in accordance with the Fair Credit Reporting Act ( FCRA ), since this is a debt that was neither authorized nor generated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX BANK XXXX XXXX Balance {$2900.00} 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX BANK XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PayFiniti, LLC
State: NV

Complaint narrative:
XXXX partnered with XXXX XXXX XXXX and PayFinti to register for events in XXXX. I added funds to my PayFiniti account last year and moved funds to XXXX XXXX account with no problem. And after the season was over I still had {$440.00} there. 
I anticipated using the same process this year and added {$3000.00} to my PayFiniti account and then to my XXXX XXXX account. But I found out XXXX established a new app of their own for XXXX. 
So I move my funds back to PayFiniti. And tried moving it back to my linked bank account, and just received an error. 
I then emailed PayFiniti, and got a reply asking what platform I was using. I told them my XXXX and my XXXX desktop. They said they entered a ticket, but if I wanted to provide my routing number and bank account number they count attempt to move manually. 
I was uncomfortable providing that to someone via email, especially for my account where I do my primary banking, and asked if I had to move it to the account where it came from. And they never replied. I have attempted several times since to move and still get an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Account XXXX XXXX XXXX  # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete this account # XXXX as soon as possible from my credit report or I will have to take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Accounts are being reported under my name without my knowledge or consent. I have never opened or managed them. This is entirely unacceptable and misrepresents my financial history. I take my credit profile seriously, and these unauthorized accounts are a serious concern. I demand immediate clarification regarding their origin and who is responsible for reporting 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