vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX Dear XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX CEASE AND DESIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject : Request for Forensic Analysis of Unauthorized Online Banking Transactions XXXX XXXX XXXX I am formally requesting a full forensic analysis of 13 unauthorized online banking transactions that occurred within my Wells Fargo accounts on XX/XX/XXXX and XX/XX/XXXX. These transactions were not initiated by me and have resulted in significant financial loss and identity compromise. 

Specific Data Requested 1 ) Copy of in-branch withdrawal slips for the two cash withdrawals on XX/XX/XXXX and XXXX XXXX XXXX ) Disclose the method and results used to verify the signatures on the two in-branch withdrawal slips 3 ) Document the process used for Customer Identification ( CIP ) 4 ) Copy of Suspicious Activity Reporting ( SAR ) filed in response to the reported unauthorized transactions in my accounts 5 ) Copy of Cash Transaction Reports ( CTR ) for two with withdrawals in excess of {$10000.00} 6 ) I request that Wells Fargo and/or relevant regulatory bodies examine and disclose the following metadata associated with each transaction : IP addresses used to initiate the transactions Geolocation data tied to those IP addresses Browser type and version Device identifiers ( if available ) Operating system and platform Timestamp and session duration Login method ( e.g., password, biometric, token ) Any flagged anomalies or alerts in Wells Fargos internal fraud detection systems This XXXX is critical to establishing that these transactions were not initiated by me, and to identifying the source and method of unauthorized access. 

Context and Urgency These transactions occurred shortly after Wells Fargos XX/XX/XXXX data breach, which exposed brokerage account information and linked identifiers. My compromised Wells Fargo Visa card and checking account numbers were likely part of this breach or the prior insider threat disclosed in XXXX. 
Given the timing and nature of the breach, I believe these unauthorized transactions are directly tied to Wells Fargos failure to implement mandated procedural safeguards under the OCCs XX/XX/XXXX Formal Agreement.

Request for Action I respectfully request that : 1. Wells Fargo provide a full forensic report of the 13 transactions, including all metadata listed above 2. Regulatory agencies compel disclosure if Wells Fargo fails to comply 3. A formal investigation be launched into procedural failures that allowed these transactions to proceed undetected 4. Restitution and enforcement measures be pursued based on the findings I am prepared to provide supporting documentation, declarations, and breach notices upon request. Thank you for your attention to this matter and your commitment to consumer protection.

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 2025-09-02 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-02 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX -- Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-02 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-02 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: GA

Complaint narrative:
XXXX XXXX has placed a charge off account on my credit report but I have never lived in Texas. I live in GA and have for XXXX years. I am selling my home and buying a new home and asked that the charge off be removed immediately as it is not my account and was advised this takes more time and they are going to investigate. I need this issue resolved immediately and to understand how someone in another state can just open an account without the supporting documents to prove their identity.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I obtained my Equifax credit report on line. There were Tax Liens from the County Recorder of Deeds, and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. 
Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia, XXXX Dear MCM This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I am supplementing CFPB Complaint ID XXXX, which remains open, to provide new evidence of continuing harm and unresolved violations of Florida and federal law. 

This complaint concerns Advance America , Cash Advance Centers XXXX XXXXXXXX XXXX XXXX, for failing to remove an outdated, time-barred deferred presentment record from the Florida Deferred Presentment Database, managed by XXXX  According to Advance America, the record relates to a transaction dated XX/XX/XXXX, and is referenced internally as transaction number XXXX. 

I have previously demanded removal of this record in writing, and I expressly stated that I do not admit, acknowledge, or accept any liability or obligation for the record in question. 

New Evidence of Harm ( Denial Letter Dated XX/XX/XXXX ) On XX/XX/XXXX, I was denied a new installment deferred presentment loan by XXXXXXXX XXXX XXXX XXXX XXXX XXXX d/b/a The Check Cashing Store. Their written denial cites the following : Customer is ineligible, open transaction with another XXXX. 

This confirms that the outdated Advance America record is still being reported and is actively blocking access to credit. The denial letter identifies XXXX XXXX, XXXX ( XXXX ) as the reporting database used to make this determination. A copy of the letter is attached. 

Confirmation by XXXX I previously submitted a written request for information to XXXX to determine whether any records remained attributed to me. I received a written response confirming that the Advance America record was still associated with my name, further validating that the denial was based on this outdated entry. 

Applicable Legal Violations The ongoing use, maintenance, and communication of this record appears to violate multiple statutes, including : Florida Statute 95.11 ( 2 ) ( b ) : Five-year statute of limitations for written contracts. This period expired in XXXX.

Florida Statute 560.404 ( 8 ) : Prohibits deferred presentment providers from interfering with future transactions based on stale or invalid data.

Florida Statute 501.204 ( FDUTPA ) : Prohibits deceptive and unfair trade practices. 

15 U.S.C. 1692e and 1692f ( FDCPA ) : Prohibits the use of false, deceptive, or unfair means in connection with the collection or communication of a debt.

Fair Credit Reporting Act ( FCRA ) : May apply depending on how this information is transmitted, accessed, or shared with lenders.

I reiterate that this statement is submitted to assert my legal rights. I do not admit, acknowledge, or accept any responsibility for the alleged obligation. Any implication to the contrary is expressly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
XXXX transunion and XXXX failed to conduct a reasonable reinvestigation of my disputes as required by FCRA 1681i. Instead of verifying with actual documentation, they simply parroted the furnishers response and issued a boilerplate letter dated from XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, transition and XXXX  also refused to provide the legally required Method of Verification, leaving unverifiable and inaccurate items on my credit report in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This is the 6th time I dispute collection from apartment complexes in XXXX XXXX. I have NEVER lived in XXXX XXXX. On XX/XX/year>XXXX   it was brought to my knowledge a letter from Aldous and Associates PLLC with a collection in the amount of {$16000.00} from a client named XXXX at XXXX XXXX XXXX. 
I have credit freezes and credit alerts placed on all bureaus and these apartment complexes seem to not properly verify their applicant 's information or ID. I even have recorded a mailbox message

on my cell phone explaining that I have been victim of identity theft so creditors would be advised. I hope this matter gets resolved ASAP so I can have my credit score back to where it was prior to this mess. Please let me know if you need further information from me. Thank you.

Company response to consumer: Closed with explanation