vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank , N.A . regarding the inaccurate and materially misleading reporting of a charge-off on my credit report with XXXX. 

The account ( # XXXX ) was originally opened as a secured credit card but was immediately blocked by Wells Fargo upon my attempt to activate it. The account was never used, never carried any balance, and the full security deposit was promptly refunded. Despite this, XXXX is reporting the account as Charge-Off / Paid in Full. 

XXXX reports the account only as closed without any charge-off notation, and XXXX does not report the account at all. This inconsistency among credit reporting agencies further demonstrates the inaccuracy of XXXX reporting. 

Additionally, XXXX is reporting this alleged charge-off without providing any charge-off date, delinquency date, or payment history, which violates FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ). Reporting a charge-off where no delinquency, balance, or debt ever existed constitutes a material violation of the Fair Credit Reporting Act. 

I respectfully request that Wells Fargo fully delete this tradeline from all credit reporting agencies and correct my credit file accordingly.

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 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital Systems , LLC for reporting a collection account on my credit report without providing proper validation, despite multiple written requests. 

Below are the account details : Collection Agency : Jefferson Capital Systems , LLC Original Creditor : XXXX Account Number : Ending in XXXX Date Last Reported : XX/XX/XXXX I have requested verification of this debt multiple times and have never received any documentation proving that the debt is valid, belongs to me, or that Jefferson Capital has the legal authority to collect on behalf of XXXX. Despite this, the account continues to be reported to the credit bureaus and is harming my credit profile. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide proper validation of a debt when requested. Jefferson Capitals failure to respond is a direct violation of my rights. 

I have also disputed this account with the credit bureaus, yet it remains unresolved. I am asking that this unverified account be investigated and removed from my credit report as required by law. 

Attached are copies of my previous dispute letters and related documentation for your review. 

Thank you for your assistance in helping resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date of Birth : XX/XX/XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-17 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: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} This company is violating the provisions of the Fair Credit Reporting Act of XXXX, 15 U.S.C. 1681 et seq. As well as ( FCRA ) 15 U.S. Code 1681 ( 2Xi ) ( FCRA ) 15 U.S. Code 1666b also ( FCRA ) 15 U.S. Code 1635 and ( FCRA ) 15 U.S. Code 1692.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is a total disgrace. Navy Federal Credit Union charged off a credit account in the amount of {$22000.00} as of XX/XX/year> and yet, they continue to report it to XXXX as if the balance is still collectible. Thats fraud, plain and simple. Once an account is charged off and written off for tax purposes, that amount is considered income to the consumer under the IRS Code ( 26 U.S.C. 6050P ), and the creditor is required to issue a Form 1099-C.

I never received that form. Let me repeat that I never received the IRS Form 1099-C, which is mandatory for any discharge of debt over {$600.00}. Navy Federal is attempting to have it both ways : they took a tax deduction for the write-off ( which means they admitted its uncollectible ), and yet they continue reporting this as an active, past-due debt which violates GAAP accounting principles and is a serious violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ).

I hereby issue a formal revocation of any and all prior authorization to share, report, or transmit any personal or financial information concerning this alleged debt. This revocation is effective immediately and retroactively under 15 U.S.C. 6802 and 6801 ( Gramm-Leach-Bliley Act ). I do not consent to the sharing of nonpublic personal information, and any further transmission constitutes willful noncompliance.

This charge-off is not being reported accurately. A consumer report is not supposed to reflect the internal accounting between a creditor and a consumer it must reflect lawful, verified, and current obligations, not already-written-off balances. The creditor can not legally benefit from a tax write-off and then continue collection activity without disclosing that to the IRS and the consumer.

I have suffered emotional distress, loss of housing opportunities, and damage to my reputation as a result of this reporting. The FCRA grants me the right to accurate, verifiable information and this tradeline is neither.

I am prepared to file IRS Form 3949-A to report Navy Federal Credit Union for tax fraud , and if not resolved, I will escalate to federal civil litigation for violations of the FCRA, GLBA, and IRS code .

This is not a denial of the debt, but a conditional acceptance pending lawful proof of the 1099-C form, full accounting disclosure, and proof that this balance is still legally enforceable. Otherwise, remove this account immediately and update my report to reflect no late payments and no charge-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I had a family emergency in XXXX and needed funds immediately and banks were not an option so I received a title loan from Title Max, they offered me XXXX. I took XXXX of it to cover expenses and my rent since I didn ; t know how long I would be gone. 

I have paid on time, in person, every month until I had another family emergency and could not pay my XX/XX/year> payment. I have been in constant contact with the company ( local branch ) and explained I did not have the funds but was working extra to come up with the proper payment. 

I do not make enough income to cover the payment monthly. When I accepted the loan I was in negotiations with an outside party, that I would have this paid off in 8 months but it didn ; t go thru. They didn ; t not run credit, wants any pay stubs or verify any income other than I only get paid once a month, which determined my payment date. 

Now they threaten to turn me over to collections, but I fear they will just take my one and only vehicle which I need in order to get to my job to try to make enough to pay them back. My monthly payment was XXXX but now because of late fees I owe over XXXX just to bring current but that could be more at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NJ

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 2025-06-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Help, CFPB. I am tired of repeating myself. Ive already reported this, Ive already sent proof, and yet Equifax continues to violate the law and get away with it. They reinserted two previously deleted accountsXXXXXXXX XXXX ( ending in XXXX ) and XXXX XXXX ( ending in XXXX ) into my credit report without my knowledge, without my consent, and without giving the required notice under the Fair Credit Reporting Act. These accounts were already confirmed deleted after legitimate disputes. Equifax sent written deletion confirmationsXXXX XXXXXXXX on XX/XX/XXXX and XXXXXXXX XXXX on XXXX XXXXand they even acknowledged the deletions again in their XX/XX/XXXX response to my previous complaint with YOU. You can check it. The proof is here in your system. Im also attaching parts of the letters I received from Equifax stating the accounts were deleted.

Despite this, Equifax reinserted both accounts without providing any 5-day written notice, without any new certification of accuracy from the furnishers, and without a single explanation. This is a clear and direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). And they still havent explained how or why this happened, which violates 1681i ( a ) ( 7 ). Ive given them more than enough chances. I waited. I asked. I disputed again. And they still failed to do their job.

Meanwhile, these accounts arent even showing on XXXXso how is Equifax reporting them? Thats a failure to ensure maximum possible accuracy under 1681e ( b ). And again, I never authorized the reinsertion of these accounts, so thats also a violation of 1681b.

Also, lets not forgetYOU, the CFPB, already have an active lawsuit against XXXX for sham investigations about reinserted accounts. I know youre fully aware of how these agencies behave. Equifax is doing the exact same thing : ignoring valid disputes, reinserting deleted data without notice, and refusing to explain anything. 

This is blatant willful noncompliance under 1681n and clear negligence under 1681o. I want real accountability. Permanently delete these accounts. Make Equifax explain how they verified anything. Stop letting them get away with this. I expect full enforcementnow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Ive been trying for several days to register my XXXX XXXX XXXX account to make a payment, but the website will not load on any browser or device. I receive an error telling me to call, but the phone system is 100 % automated and offers no way to reach a human or verify my info.

Their chatbot just refers me back to broken systems. I tried emailing their support and executive teams both addresses are either blocked or no longer exist. Im trying to avoid missed payments or credit damage, and theyve left me no working method to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
On XX/XX/year> XXXX refunded me {$220.00} for a purchase that sold to me under false pretenses. Zip was the company I used to buy now pay later company I used to make the purchase. Zip on XX/XX/year> noticed me that they had made a refund of XXXX to visa ending in XXXX with out even notifying me before hand. If they would contacted me they would have found out that XXXX bank account had been closed for over a year. Now it has created a huge mess, one because they say it the only way they refund money to the original card. Since I have been miss handled, confusing emails with contradicting information .. Now they say the funds were deposited to four separate times to another card Visa card ending XXXX for XXXX, XXXX, XXXX, XXXX = XXXX ; which in fact I paid in XXXX payments of XXXX, XXXX, XXXX, XXXX. I also want all my money back from since the sale was fraudulent I shouldnt have to pay everything and request this total of XXXX be refunded not XXXX. 
Every time I call customer support I am never able to speak to a supervisor and are told they notify me in 24-48 hours via email only. When I do get an email, it has no resolve or real answer to where my money is. XX/XX/year> i spoke to XXXX bank they told me the funds were rejected and to return to Zip rejected date XX/XX/year>. 
On there end ZIp feels that done there job and refunded the money, but it is to an account that has been closed for over a year. 
Today I once again requested a supervisor ticket number XXXX and was told i would be contacted again in 24 to 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING THE ACCOUNT XXXX XXXX, ACCOUNT NUMBRE XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602A According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C 1681 SECTION 604A A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: AL

Complaint narrative:
OMEGA RMS Phone XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Email XXXX This company refuses to provide me with a debt valuation letter

Company response to consumer: Closed with explanation