vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Guglielmo and Associates
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX sent me a letter demanding payment for supposed debt owed to XXXX XXXX. They demanded payment of {$5500.00}. They provided no information regarding the debt other than a statement they generated stating that as of XX/XX/XXXX this debt was owed. I wrote back to the company and requested they validate the debt, prove they had legal right to demand payment, proof that XXXX XXXX had rights to collect the supposed debt owed to XXXX and proof this alleged debt did not exceed the statute of limitations for debt collection in Nevada. The company did not respond to the letter instead filing suit against me in Nevada on XX/XX/XXXX in the XXXX XXXX XXXX XXXX Nevada for the alleged and again did not provide the court and specifics regard the debt as to what it was for or the other concerns I had. I am now having to respond to the law suit. Their phone number is XXXX. In my letter to the company I provided my phone number XXXX and expressed my interest in discussing this matter. I also mentioned in the letter I am XXXX XXXX XXXX, live on social security and have no assets they could obtain to settle this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-01-19 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
On XXXX we paid M & T Mortgage {$17000.00} for loan # XXXX. We were told to allow 4-6 weeks for delivery of our release of lein in order to get the title to our mobile home. On XXXX I called again and was given a reference # XXXX due to the fact the loan was paid off. Again we were told to wait again 4-6 weeks. On XXXX  I spoke with XXXX who referred me to her manager XXXX, no last names or employee numbers that if we did not get our letter of release we're going to file a complaint with the Indiana Attorneys Office. On XXXX  we filed that complaint. We have been in the process of moving and are just now getting back to this complaint. M & T is refusing to send s what's rightfully ours not theirs and we want that release. This is criminal and they need to be forced to give us what we have been asking for for almost a year now.

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 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I am disputing this medical collection account because I do not recognize it and have no knowledge of the services being billed. 

I request full verification of this debt, including : Itemized billing Proof of patient responsibility Proof the debt is accurate XXXX insurance or XXXX was properly billed If this account can not be fully verified, it must be removed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
I initially asked about or around XX/XX/year> I was told that it was going to be sent by mail and I never received anything concerning my payment transaction history in XX/XX/year> My vehicle was reprocessed and I made a call to them about or around the XXXX or XXXX I didnt receive any mail or emails or phone call from them concerning my car was going to be reprocessed and when I called them they were very rude and unprofessional I was given the run around about where my vehicle was located so I could retrieve my personal belongings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: PA

Complaint narrative:
My wallet was stolen and used beings all my personal information, credit and debit cards was there. I filed a fraud claim. I noticed Chime and was denied. I sent them the fraud claim, a picture of the suspect and everything they needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2026-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: NV

Complaint narrative:
I am a client of National Debt Relief ( NDR ). On XXXX, NDR collected a negotiation fee of {$1300.00} and {$82.00} on XXXX  for my XXXX account ending in XXXX. This fee was collected without my consent and in direct violation of the FTCs Telemarketing Sales Rule ( TSR ) regarding advance fees. 

An automated AI/computerized system called me with a settlement offer, which I explicitly rejected. However, the system incorrectly recorded my response as an acceptance. Despite my immediate notification that I did not approve this settlement, NDR has refused to refund the fee to my Dedicated Savings Account. Instead, they are attempting to hold my funds as a 'credit ' for future services. 

Per the TSR, a debt relief fee is not earned until a settlement is reached, the client has expressly authorized it, and at least one payment has been made. None of these conditions were met. By refusing to refund my money, NDR is holding an illegal upfront fee. I am requesting an immediate refund of {$1400.00} to my Dedicated Savings Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently viewed my XXXX report and noticed that there are fraudulent accounts reporting to my credit report i need these account removed immediately This account is an auto loan ( XXXX XXXX XXXX ) with the amount of {$26000.00} opened on XX/XX/XXXX. This fraudulent account is ( XXXX XXXX ) with the amount of {$1600.00} Open on XX/XX/XXXX. This fraudulent account is a auto loan ( XXXX ) with the amount of {$5900.00} opened on XX/XX/XXXX. This fraudulent account is ( XXXX ) with the amount of {$750.00} opened on XX/XX/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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC
State: OR

Complaint narrative:
The collection company was told to stop via text message on XX/XX/XXXX and on XX/XX/year> The collection agency called my phone verified my information and attempted to collect a debt that is out of statue disputed and not on my credit report. they also did not give the mini Miranda and made me repeat my self when telling them that it was not a valid debt that it was disputed an out of statue in hopes to reset the clock on a never valid debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, at about XXXX and XXXX. I made a deposit of XXXX ( all in {$100.00} bills ) at the ATM machine. The machine kept rejecting XXXX of the bills, at the XXXX rejection I took the XXXX {$100.00} bills out of the ATM and drove off forgetting that I left XXXX in the machine without completing the deposit transaction. I realized like XXXX later and went back to the bank immediately to complain ( the ATM machine is a drive through at the bank ). 
The bank said they do not control the particular ATM machine that I have to call their online ATM services which I did immediately and opened my claim. The claim services said it will take them 3 to 10 business day to complete investigation but it took them way longer ( from XX/XX/XXXX, to XX/XX/XXXX ). 
The ATM claim team reached out on the XXXX of XX/XX/XXXX that the claim is closed and their investigation showed no error occurred.

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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
am writing to notify you that I am a victim of identity theft and to request immediate action to block fraudulent information on my credit report. Specifically, an unknown individual fraudulently opened a car loan account in my name without my knowledge or authorization, which has appeared on my credit report. 
This fraudulent car loan does not relate to any transaction I initiated or authorized. The thief used my personal informationlikely my name, Social Security number, and other identifying detailsto apply for and obtain this vehicle financing from [ Lenders Name, if known ]. I only discovered this account when I reviewed my credit report on [ date you discovered it ], and I have filed an Identity Theft Report with the Federal Trade Commission at www.IdentityTheft.gov, a copy of which is enclosed. No legitimate activity from me generated this debt, and I demand its complete removal or blocking from my credit file under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: SC

Complaint narrative:
Re : Dispute and Demand for Proof of Standing XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. ending XXXX Alleged Balance : {$2400.00} To : Compliance Department, I dispute the accuracy, ownership, and legal authority associated with the above referenced account in the amount of {$2400.00}. 
Your email dated XX/XX/year>, demands payment while identifying XXXX XXXX as both the original creditor and the current creditor. At the same time, Credit Control LLC is attempting to collect and control the account. These positions conflict. 
You must state your legal standing. 
Your role must fall into one category only. 
Owner of the alleged debt Authorized servicer or agent Party with no lawful authority You must prove standing If you claim ownership, provide all of the following : Bill of sale identifying Credit Control LLC as purchaser, Complete chain of title from origin to present holder, Date of transfer and consideration paid, Proof this specific account was included If you claim agency or servicing authority, provide all of the following : Signed agreement authorizing Credit Control LLC, Proof XXXX XXXX retained ownership at the time of assignment, Proof of authority to collect and report in my state, Proof XXXX authorized use of my personal data Further, if this account was transferred into any receivables pool, securitization structure, or asset backed trust at any time, you must provide documentation showing lawful removal and reassignment of this specific account prior to any alleged sale or collection activity. Absent proof of trust release or reassignment, neither XXXX XXXX nor Credit Control LLC has standing to collect or report this account. 
This request is made under : 15 U.S.C. 1692g, 15 U.S.C. 1692e, 15 U.S.C. 1681e ( b ) and 1681s-2 Until proper validation is provided : All collection activity must cease ; any credit reporting is inaccurate, any verification constitutes misrepresentation Any attempt to continue collection, reporting, or verification of the alleged balance of {$2400.00} without producing the documents demanded above will be treated as knowing noncompliance. 
Until the above documentation is provided, I maintain this account is inaccurate, unverifiable, and improperly furnished. 
I request that Credit Control LLC conduct a full compliance review and provide a complete written response addressing each point raised above, including all documentation relied upon to justify collection and credit reporting. 
If Credit Control LLC is unable to produce the requested documentation, I request that the account be deleted from all consumer reporting agencies and that all collection activity cease.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Theyve called me and friends and family numerous times. As far as I know the debt was charged off and sold to this company. Theyve harassed me and my family an have threatened legal action after the debt has been resolved by original companys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft. Navy Federal Credit Union is reporting multiple accounts that I did not open, authorize, sign for, or benefit from. I reported these accounts as identity theft and submitted a police report and FTC identity theft affidavit. 
XXXX XXXX responded through the CFPB stating that my claim was unsupported, but they did not provide any documentary proof that I authorized these accounts. They did not supply a signed application, electronic signature records, IP or device logs, identity verification records, or any consent documentation. 
They only referenced internal conclusions and alleged statements or transaction history. Usage of an account does not establish authorization. Identity thieves use accounts. 
Under FCRA XXXX ( XXXX ) and XXXX ( a ) ( XXXX ) ( A ), XXXX XXXX is required to provide proof of authorization or cease reporting. They have done neither. 


here is the case number to there last response XXXX these are the fraudulent accounts and number Account # XXXX Account # XXXX Account # XXXX

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am submitting this complaint regarding a Bank of America business credit card account and a fraud dispute that resulted in an overpayment refund.

In XX/XX/XXXX, Bank of America issued me a check for approximately {$18000.00}, described as an overpayment related to a fraud dispute on my business credit card. Approximately two months later, a large credit balance appeared on my credit card statement. At that time and on multiple occasions over the following months, I contacted Bank of America to confirm responsibility for the remaining credit card balance and was repeatedly told by Bank of America representatives that I was not responsible for this debt and that the bank was working to resolve their internal issue. 

On XX/XX/XXXX, Bank of America reversed its position and stated that I am responsible for the balance because I was allegedly required to apply the overpayment funds to the credit card account. This obligation was never disclosed to me previously, either verbally or in writing, and this is the first time such an explanation has been provided.

I sent a certified letter to Bank of America, which was received on XX/XX/XXXX, requesting copies of all documentation related to this matter, including the letter that accompanied the {$18000.00} overpayment check, any disclosures stating that the credit was conditional, and records of the fraud dispute resolution. Bank of America confirmed assignment of a case manager, who contacted me and provided a direct phone number.

More than ten business days have now passed since Bank of America received my certified request. I have not received the requested documents, nor any written response. I also left a voicemail for the assigned case manager and have not received a return call.

I am disputing responsibility for this balance due to lack of disclosure, misinformation provided by Bank of America representatives over an extended period of time, and the banks failure to provide requested documentation.

I am requesting that Bank of America provide all requested documentation in writing, including the original correspondence sent with the overpayment check, and review this matter for appropriate correction or adjustment of the account balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Az XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern, I am disputing the involuntary repossession reported by XXXX XXXX XXXX XXXX XXXX Equifax report XXXX The account number is XXXX and is incomplete, making this account unverifiable. 

Under FCRA XXXX ( a ) ( XXXX ), all information must be accurate and complete. I request that Equifax : XXXX. Investigate this account with XXXX XXXX XXXX. 
XXXX. Require proper verification, including the full account number. 
XXXX. Delete or correct this account if verification can not be provided. 

Please provide written confirmation of the results. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Checking Account Number XXXX - Savings Account Number XXXX - So, due to troubles with my banking at Bank of America I have another place to put my money called XXXX XXXX XXXX - Some of those troubles were unauthorized attempts to get into my account and problems with merchants ripping me off. I request that my Checking Account XXXX and my savings account XXXX be closed and the monthly fees that accumulated while I was not in use of my accounts be refunded to make both balances back to XXXX. If the request to put my account balances back to {$0.00} is denied at XXXX Bank of America can close both savings and checking account and I will pay back the balances due that make the balances zero.

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