vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Asked for debt validation and cease and desist of contacting me. Nothing was shown and calls never stocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have recently submitted the complaint about my checking account with Wells Fargo. Number of previous complaint : XXXX. 

I disagree with XXXX XXXX response and consider the issue unresolved. 

My checking and savings accounts were closed in XX/XX/year> with approximately XXXX XXXXXXXX in remaining funds. 

Because I can not travel to the United States and can't physically be presented in the branch office, I followed XXXX XXXX instructions and completed a Power of Attorney using the official form from XXXX XXXX website. The process of completing this XXXX of Attorney was explained by Wells Fargo staff. My authorized representative, XXXX XXXX XXXX, then presented this document in person at a Wells Fargo branch in the XXXX XXXX XXXX. 

Despite this, the branch XXXX refused to accept the XXXX of Attorney, provided no written or verbal reason for the rejection, and did not offer any alternative solution, except visiting office physically which is impossible. 

Wells Fargo now claims that no XXXX of Attorney is on file, even though it was physically submitted at their branch. 

Wells Fargo has still failed to explain : Why their own official XXXX XXXX Attorney form was rejected Why no documentation or rejection notice was provided How I am expected to access my funds from outside the United States My money remains inaccessible, and Wells Fargo has not provided a lawful or reasonable process for releasing the funds from my closed accounts. 

I respectfully request continued CFPB assistance to require Wells Fargo to release my funds and provide a clear, documented resolution. I am ready to submit all supporting documents upon request.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing several chargeoff accounts on my TransUnion credit report that contain inaccurate or misleading information. These errors violate the Fair Credit Reporting Act by the following accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing this complaint regarding Bank of Americas reporting of late payments, charge-off, and/or closed account information that I have formally disputed.

Before negative reporting occurred, I notified Bank of America of medical hardship and loss of employment and provided supporting documentation. Bank of America failed to provide or document any reasonable hardship assistance, payment modification, or loss-mitigation options. The account was reported negatively despite this notice.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), Bank of America is required to conduct a reasonable investigation and ensure the accuracy and completeness of all information furnished to consumer reporting agencies.

To date, Bank of America has failed to provide documentation validating the accuracy of the late payments, charge-off status, or compliance with XXXX XXXX reporting requirements.

If Bank of America can not verify this information, federal law requires immediate correction or deletion of all inaccurate negative reporting.

I am requesting CFPB assistance to : Require Bank of America to investigate and substantiate this reporting Enforce deletion of unverifiable late payments, charge-offs, and closed account notations Address Bank of Americas failure to provide hardship assistance after documented medical and employment hardship

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am submitting a complaint regarding an inaccurate account on my XXXX  credit report. 

Creditor : Navy Federal Credit Union Account Type : Credit Card ( Closed ) Reported Amount / Balance : {$1000.00} XXXX previously disputed this account with XXXX, but it was verified as accurate. I believe this reporting is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigate this matter and ensure that XXXX  and Navy Federal Credit Union correct or remove any inaccurate information. 

Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone : XXXX Email : XXXX SSN ( last XXXX digits ) : 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
i have a credit lock and a credit freeze on my credit.there was an auto loan application attemp on XX/XX/year> my XXXX XXXX was excellent it was at XXXX in XXXX  but because i now have a hard credit inquiry it dropped to XXXX i saw it on my XXXX XXXX XXXX XXXX XXXXXXXX credit wise .if i have a credit lock and a credit freeze even if rejected any credit inquiry needs to be dropped and removed from my credit file, because its should not go thru, especially if it was done without my consent.hard credit inquiry from chase auto loan XXXX 
i need that hard credit inquiry drop because in the future i might need it .and that credit inquiry will affect my credit Creditworthiness.also i contacted chase multiple times thru phone letting them know that someone attempted to open a auto credit loan under my name they did not help i did receive an email from chase on the attemp to open an auto loan.i also noticed that i have a lot of soft credit inquiries that i never made from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This XXXX XXXX XXXX store card was closed by me since 2018 and it has been paid in full. It's been XXXX years and this account is still being reported on my credit profile I have send a request to the creditor and the credit bureau to remove this in accurate information from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Although the account was paid in full, it continues to be reported with late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: IN

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information that is being reported on my consumer credit file. The address listed below does not belong to me, and I have no knowledge of it. I have never lived at, received mail at, or been associated with this address in any way. Its continued reporting indicates a failure to maintain accurate consumer records as required by federal law. 

XXXX XXXX XXXX, IN XXXX This address is not mine and is being reported in error. 
Applicable Law : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to properly investigate disputed information. 

I request the immediate deletion of this incorrect address from my credit file and written confirmation that it has been permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I contacted Ally Financial regarding financial hardship and the status of my auto loan. I was instructed by the representative to make a good-faith payment and then call back XXXX hours after the payment posted in order to set up a hardship arrangement or modified payment plan. 
I made the good-faith payment of {$810.00} on XX/XX/XXXX, relying on the instructions provided to me. At no point during the call or payment process was I informed that the account had already been assigned for repossession, that repossession activity was active, or that my payment would not stop or pause repossession. 
On XX/XX/XXXX, before the XXXX follow-up window I was instructed to wait, Ally Financial assigned the account for repossession. When I called afterward, I was told that the majority of my {$810.00} payment was applied to late fees and that an additional {$740.00} would be required to stop repossession. 
During a subsequent call, I was told that the representative I originally spoke with should have told me that repossession was already pending and that I only had a limited number of days to act. This information was never disclosed to me prior to or at the time I made the {$810.00} payment. 
I relied on the instructions I was given when making this substantial payment. Had I been properly informed that repossession was already active, that my payment would largely be applied to fees, or that repossession would continue regardless, I would have handled the situation differently. 
I have made repeated attempts to work with Ally Financial in good faith, including making payment, calling for clarification, and requesting escalation. I was informed that a supervisor review could take XXXX hours or longer due to the holidays, and that no repossession hold would be placed while the account is under review. 
I am disputing the lack of disclosure, the timing of the repossession assignment, and the application of my payment to fees without explanation. I am requesting a compliance review of this matter, as I acted based on the guidance provided by Ally Financial and was financially harmed as a result. 

During a later call, I was also informed by another representative that in order to resolve the account or avoid repossession, I would have needed to contact Ally Financial XXXX weeks to a month prior to making the payment. This requirement was never communicated to me before I made the {$810.00} good-faith payment, and directly conflicted with the instructions I was originally given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-24 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. 
I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. 
Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. 

XXXX. Documents showing where this obligation originated and how your company obtained it. 

XXXX. Any agreement, application, signature, contract, or document that links me to the account. 

XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. 

XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 

XXXX. The identity and address of the original creditor, along with the original account details. 

XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Email CREDIT COLLECTION SERV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me immediatelyregarding the above-referenced alleged debt.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to stop all forms of contact, including but not limited to phone calls, emails, text messages, letters, or contact with third parties regarding this matter. 
You may only contact me for XXXX of the following reasons : XXXX. To confirm that you will comply with this request and cease all communication ; or XXXX. To notify me of a specific legal action you intend to take. 
Any communication beyond these exceptions will be documented and may be used as evidence of FDCPA violations, which could subject you to legal action, statutory damages, and attorneys fees. 
This letter is not an acknowledgment of the debt, nor is it a promise to pay. I do not waive any rights or defenses available to me under federal or state law. 
Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Yes I have filed a dispute with all XXXX credit bureau and I havent received not XXXX letter from all the information I asked for and I would like an explanation or for it to be removed off my credit under 15 usc 1666b I thought they give you a letter stating why it can or cant be removed

Company response to consumer: Closed with non-monetary relief