vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
Dispute Letter 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  ] Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Collection Account XXXX Report No. XXXX Account No : XXXX To Whom It May Concern : This letter serves as a formal and final demand for deletion of the above-referenced account from all consumer reporting agencies. I dispute this account in its entirety under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g.

Despite my previous request for proper debt validation, you have failed to provide mailed proof as required by 1692g ( b ). Continuing to report or attempt collection without furnishing validation is a violation of federal law. Supplying information to the credit bureaus without proper documentation also constitutes furnishing inaccurate and unverifiable information under FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ) ( 1 ) ( A ).

Reporting this account as a valid debt without providing full validation including signed lease agreement, itemized accounting, proof of assignment, and evidence of your authority to collect is a false representation and an unlawful attempt to damage my creditworthiness.

You are hereby demanded to : 1. Immediately delete this account from XXXX XXXX XXXX XXXX 
2. Cease all collection activity unless and until full validation is mailed to me.

3. Retain this letter as notice for litigation purposes.

If you fail to comply, I will file suit in federal court for statutory damages, actual damages, attorney fees, and costs, and I will escalate complaints to the CFPB, FTC, and state regulators. 
Sincerely, [ Signature ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint because I was scammed out of {$3200.00} after receiving what appeared to be a legitimate phone call and text message from Wells Fargo. The person on the line claimed to be a Wells Fargo banker and gave me instructions that I followed, believing I was protecting my account. As a first-time banking customer with Wells Fargo , I was never given any information or guidance on how to spot fraud or verify bank communications. After realizing I had been scammed, I immediately filed a claim with Wells Fargo. At first, the bank credited the money back to my account, but then without warning or clear explanation, they reversed the decision and denied my claim holding me financially responsible for the loss. I was not informed that the credit had been reversed and only found out when I went to a branch in person because my account had been blocked. The banker I met with contacted the claims department and offered to let me speak with them directly, but the Wells Fargo representative refused to speak to me about my own claim. Despite calling and going in person multiple times, my account remains blocked and I have received no meaningful support or transparency. On top of that, ever since the incident, I have been receiving scam calls pretending to be from Wells Fargo every single day, which has made me feel harassed, vulnerable, and completely unprotected. Wells Fargo has failed to provide basic fraud education, refused to communicate with me about my own case, mishandled my account, and allowed this situation to continue with no resolution. This was my first experience with a bank, and I trusted Wells Fargo to protect me instead, they have left me to deal with the consequences of fraud on my own. I am now considering legal action through small claims court or pursuing arbitration, and I am demanding a full explanation of the denied claim, immediate unblocking of my account, and assistance with stopping the ongoing scam calls that continue to affect me every day.

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone hacked in my Paypal account and stole my money from paypal balance and also transferred more money from attached bank account and stole more money. 
Hacker changed email address and password, so I never received authorization email from Paypal.

I called Paypal support, they said they will investigate but they didnt do anything.

I called Paypal multiple times, since beginning of 2024, but nothing successful to recover my money. 
Now paypal wont do investigation because it has been over year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-15 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
We rented a property at XXXX apartment, and we moved out early, gave them notification of the move out date, paid the days that we were required to pay in XX/XX/XXXX when they sent us the bill. 
We moved out XX/XX/XXXX. In XXXX of XXXX I get a debt collection notice of an amount that I needed to pay. I had no clue as to what the debt collection was, nor did they notify me within a reasonable time frame from the date I left of any charges. They never returned my deposit nor did they report a claim on it. 

They claimed XXXX is when they attempted to collect, but it was already with a collection agency, giving me not time to dispute the charge. I do not agree nor by law they should be able to claim anything as the timeframe had already passed. 

I already disputed through the credit bureaus but they said I would need to get a lawyer. I honestly can not afford a lawyer and I completely disagree with their charges and the timeframe of how they did things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed for no reason in 2021 without any explanation or anything I had over XXXX dollars in my account that they took

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Re : Demand for independent reinvestigation identity data + tradeline inaccuracies Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) you must ensure maximum possible accuracy and conduct an independent reinvestigation. Codes are not proof. XXXX v. XXXX, XXXX XXXX XXXX. Mark each disputed tradeline with XXXX XXXX XXXX XXXX 
I dispute the following Experian-reported items and every late month you coded for each item. For each, provide running statements/ledger proving due date, date received, and posting date ; otherwise delete the derogatory data or the entire tradeline.

1. Header/Identity AKA o Inaccuracy : You list XXXX XXXX as an Also Known As. That is a misspelling, not an alias. 
o Relief : Delete the false AKA and suppress any linkage.

o XXXX XXXX : Consumer Name fields.

2. XXXX  XXXX ( Acct XXXX | Revolving | opened XX/XX/XXXX ) o Inaccuracy : Late-month mismatch across bureaus. Experian shows 30-day lates in XX/XX/XXXX and XXXX XXXX ; XXXX  shows different months. 
o All late months disputed : XX/XX/XXXX ; XXXX XXXX ( and any other month you coded late ). 
XXXX XXXX XXXX : Fix XXXX ; Payment Rating ; Account Status ; Date of Account Info ; XXXX. 
3. XXXX XXXX ( Acct XXXX | Revolving ) o Inaccuracy : Payment Status says Current, was past due 30 days, yet the two-year grid is all OK. 
o All late months disputed : every month you allege was 30-days late in the last 7 years. 
o XXXX XXXX : Align Payment Status with XXXX or remove the derog narrative ; XXXX. 
4. XXXX ( Acct XXXX | Revolving | CO XXXX ) o Inaccuracy : Charge-off shown with Past Due > {$0.00} ; missing/unclear DOFD. 
o All late months disputed : each month you coded 30/60/90/120/CO in the grid.

o Law/XXXX  XXXX XXXX 623 ( a ) ( 5 ) ; Reg V 1022.42 ; set Past Due = {$0.00} ( CO ) ; furnish DOFD ; align Status/Payment Rating/XXXX XXXX XXXX 
5. XXXX XXXX Acct XXXX | Authorized User ) o Inaccuracy : Account Type Detail : Charge Card while you also show a Credit Limit {$5000.00} ( thats revolving, not charge ). 
o All late months disputed : none shown ; to the extent any exist, each is disputed. 
o XXXX XXXX : Correct Account/XXXX  Type to Revolving ; XXXX. 
6. XXXX XXXX ( Loan XXXX XXXX / XXXX / XXXX | XXXX XXXX  ) o Inaccuracy : Account Status = Indeterminate. Deferment must be coded with proper status + comment ; Indeterminate is not a valid consumer status.

o All late months disputed : none shown ; if any exist, each is disputed.

o XXXX XXXX : Correct Account Status ( Open ) with deferment indicator ; ensure Terms/Date of Info accurate ; 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 2025-09-15 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: Kriya Capital, LLC
State: NC

Complaint narrative:
A XXXX XXXX account for {$700.00} was reported on my credit by Credence Resource Management. This account is the result of identity theft. The records show it was opened between XX/XX/scrub> 2023 and XX/XX/scrub> 2023 in XXXX XXXX, Nevada. I have never lived in or visited XXXX XXXX. At that time, I was living in XXXX, Delaware, and I have attached my lease to prove my residence. I did not open this account, did not authorize it, and have never received XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-15 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: IN

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an American Express Business Checking account on XX/XX/year>2025 in response to their promotion offering 30,000 Membership Rewards points. The promotion required me to ( 1 ) deposit {$5000.00} within 30 days of account opening, ( 2 ) maintain a {$5000.00} balance for 60 days, and ( 3 ) complete five qualifying transactions within 60 days.

I deposited {$5000.00} on time, and it posted within the 30-day deadline. I then maintained the required balance for 60 days. On XX/XX/year>2025, I made five mobile check deposits to complete the transaction requirement. That same day, I received email confirmations from American Express that the deposits were received.

Despite this, American Express denied the 30,000 point bonus. They claim the five mobile deposits do not qualify because they posted on XX/XX/scrub> 2025, outside of the 60-day period. The delay in posting was entirely due to Amexs internal processing, not my actions. I deposited the checks and received confirmation within the required time frame.

I believe this denial is unfair and misleading. The terms define mobile deposits as qualifying transactions. I made five such deposits within the deadline, and Amex acknowledged receipt. Penalizing me for their own posting delay contradicts the reasonable understanding of the promotion.

I am requesting that American Express honor the advertised promotion and credit my account with the 30,000 Membership Rewards points.

Company response to consumer: Closed with non-monetary relief