vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
Contacted company in regard to reference # XXXX. Representative refuse to validate debt. Representative did not provided any detail of debt but insist on payment or the debt will be reported. I keep asking to validate the debt since another collection company was unable to trace the debt to the owner or any responsible associates of the business. Sequium appear to be fishing for an invalid debt to be pay without providing any information regarding the validity of such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I permitted my bank to wire transfer {$24000.00} to Truist Bank XXXX XXXXXXXX XXXX XXXX for a car purchase to their customers account ( XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX. Their customer had set up an account to scam people and I was a victim. When my bank called Truist Bank fraud department to file a complaint, they wouldnt give me or my bank any information if the money was still there or not. They said they needed to do an investigation. On XXXX XXXX, XXXX my bank called me and said the response from Truist Bank said The money was taken out and they couldnt return it to my bank!

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
Social security # XXXX Have no access to account numbers because I have no access to my account. 
I have tried to get my money out of my account and use my account for over a month. It unlocks and then locks again as soon as I make any kind of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: FL

Complaint narrative:
HP SEARS is falsely reporting on my credit. I have never had any accounts with them. Per my research HP SEARS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, VA XXXX Subject : Request for XXXX Form for Charged-Off Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request a copy of the 1099-C form related to a charged-off debt on my account with Navy Federal Credit Union XXXX 
Below are the details of my account for your reference : Full Name : XXXX XXXX they never responded Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number : Last XXXX - XXXX The debt in question was charged off on XX/XX/XXXX, and I need the 1099-C form for tax purposes to accurately report this on my tax return. I understand that lenders are required to file a 1099-C form with the IRS when a debt of {$600.00} or more is canceled or forgiven, and I need this documentation to complete my tax filing. 
Please send the requested form to the address listed above at your earliest convenience. If there are any additional steps I need to take or further information required, please do not hesitate to contact me via phone or email. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Experians failure to ensure the accuracy of information on my credit report after a dispute. 

I disputed a debt reported by XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, providing documentation that the account was reported after a timely written dispute and before any validation was provided. Despite this evidence, Experian completed its investigation and denied my dispute solely based on furnisher verification. 

Experian failed to consider evidence showing that the account was reported prematurely and in violation of federal law. By continuing to report this tradeline after notice of dispute and without reasonable investigation, Experian is publishing inaccurate and incomplete information in violation of the Fair Credit Reporting Act. 

I am requesting that Experian delete this account or conduct a lawful reinvestigation that accounts for the procedural illegality of the reporting.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
b'Presento esta queja formal contra NCB Management Services, Inc. (NCB) por violaciones a la Fair Credit Reporting Act (FCRA) y a la Fair Debt Collection Practices Act (FDCPA).\n\nNCB afirma haber comprado u obtenido la supuesta deuda originalmente originada por FinWise Bank c/o Rise (FinWise). Al hacerlo, NCB adquiri todos los derechos y obligaciones derivados del contrato original, sin excepcin, incluyendo la clusula obligatoria de arbitraje claramente establecida en dicho contrato.\n\nCon base en ese contrato vlido y vinculante, inici un arbitraje directamente contra NCB. Sin embargo, para mi sorpresa, el caso fue administrativamente cerrado por la American Arbitration Association (AAA) debido a que NCB no cumpli con las polticas obligatorias para reclamaciones de consumidores, incluyendo el Consumer Due Process Protocol, las Consumer Arbitration Rules, los Costos de Arbitraje, y/o por haberse retirado del Consumer Clause Registry.\n\nLa AAA dej constancia expresa de que declin administrar el arbitraje exclusivamente por incumplimientos atribuibles a NCB, y no por causa del consumidor. Esta conducta constituye una violacin clara del contrato original, ya que NCB pretende beneficiarse del contrato para cobrar y reportar la deuda, pero rehsa cumplir con la clusula de arbitraje cuando el consumidor la invoca.\n\nSi NCB pretende hacer valer un supuesto contrato para:\n\ncobrar la deuda,\n\nreportarla a las agencias de crdito,\n\ny alegar derechos contractuales,\n\nentonces tambin est legalmente obligada a cumplir con TODAS las disposiciones del contrato, incluido el arbitraje. La negativa o incapacidad de NCB para cumplir con el arbitraje rompe el contrato y constituye una prctica injusta y engaosa, en violacin de la FDCPA, as como una falta de cumplimiento legal que afecta directamente la validez de su reporte crediticio bajo la FCRA.\n\nAdems, NCB contina reportando la supuesta deuda pese a que:\n\nexiste una disputa activa y vlida,\n\nel mecanismo contractual obligatorio (arbitraje) fue frustrado por la propia conducta de NCB,\n\ny no existe una va legal vlida que justifique continuar con el cobro y reporte sin cumplir el contrato'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I do not have overdraft protection with my Wells Fargo accoungs and they allowed a transaction to go though and post when there was not enough money in my Wells Fargo checking account AND charge me a {$35.00} Overdraft fee I can not afford.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have XXXX XXXX and XXXX on my credit neither of them did I open the accounts for!

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
A debt collection agency has obtained my new phone number and is repeatedly contacting me in a harassing manner regarding an alleged debt. 
I have not consented to contact at this number. The calls are frequent and disruptive and appear intended to pressure and harass me rather than lawfully collect a debt. 
This behavior violates the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to harassment and unfair communication practices. 
I am requesting that the company immediately cease all telephone communication with me and provide written communication only. I am also requesting validation of the alleged debt. 
I am documenting all contact attempts and request regulatory intervention to stop further harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Ive been careful about my Credit profile but my credit monitoring service informed me that my information has been tied to 2 recent data breaches. Please Remove the Following from my report as these items are unknown to me and currently hurting my Profile : I am also disputing the following collection account, which I did not authorize and is not mine. This account was opened fraudulently using my personal information. Collection Account Experian XXXX XXXX XXXX  ( for XXXX ) Date Opened : XX/XX/XXXX Balance : {$2600.00} Status : Collection account reported past-due XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX did not open this account, incur this balance, or authorize anyone to open it on my behalf. I am requesting that this account be removed and permanently blocked as identity theft under FCRA Section 605B. Unauthorized Inquiries Experian XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account status Please remove and block these inquiries under FCRA Sections 605B and 609 ( e ), as they are the direct result of identity theft.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts opened without my knowledge or permission. Please delete from my credit reports as it is affecting my ability to obtain credit. Inquiries listed below need to be deleted immediately. 

XXXX XXXX XXXX XX/XX/year>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 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 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 explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Issue Summary : My mortgage escrow account is fully funded ; however, my 2025 property taxes were not paid in full despite repeated notifications and follow-up efforts with both the loan servicer and the mortgage company. 

Timeline of Events : XX/XX/year> : Following a phone call with the loan servicer, I notified the servicer via email that the County Treasurer had issued a 2025 property tax statement reflecting a higher amount ( {$2200.00} ) than what the escrow account was scheduled to pay. The discrepancy was due to the prior owners having received a reduced senior/disabled tax rate, which was still reflected in escrow projections. I received no response ; however, my monthly escrow payment was subsequently increased, indicating the notice was received and acknowledged. 

XX/XX/year> : A payment of {$1600.00} was issued from my escrow account to the County Treasurer. This payment exceeded the original escrow projection but did not satisfy the full tax amount due. 

XX/XX/year> : I emailed the servicer after discovering that only a partial payment had been made and that the property was marked delinquent. The servicer confirmed receipt of this email and advised that the issue would be resolved within ten business days. That timeframe has passed, the taxes remain unpaid in full, and interest continues to accrue. 

XX/XX/year> : I contacted the mortgage company ( XXXX XXXX XXXX  ) by telephone seeking assistance with the unresolved delinquent tax issue. I was advised that PHH is the loan servicer and that I must work directly through PHH to resolve the matter. No assistance or escalation was provided by the mortgage company. 

XX/XX/year> : My spouse contacted the title company, which confirmed it had received and forwarded the same tax increase notice to the loan servicer. Despite this, the servicer still failed to remit full payment, even though the escrow account was adequately funded. 

Harm Experienced : - Property taxes were reported as delinquent. 
- Interest and potential penalties continue to accrue. 
- Ongoing risk of negative credit reporting. 
- Time and effort spent repeatedly following up on an issue that should have been resolved through escrow.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting this complaint regarding a third-party ( Resurgent ) company that purchased an account originated by XXXX, XXXX XXXX  XXXX and XXXX  XXXX XXXX  XXXX XXXX, and is attempting to enforce an invalidated and disputed debt. The alleged debt is not valid. I disputed the account in writing and provided documentation demonstrating that the obligation was invalidated and that the purchaser has not established lawful authority to enforce the account. 

In response to my dispute, the company did not provide independent verification of the debt or proof of its legal right to enforce the obligation. Instead, it supplied account statements generated by the original creditor ( s ), XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX These statements are inaccurate and do not constitute proper verification of the alleged debt or evidence of purchaser 's rights. 

I also issued a written cease-and-desist after providing proof. Despite notice of the dispute and the deficiencies in its response, the company has failed to address the inaccuracies or provide meaningful verification. 

Representing inaccurate original creditor statements as proof of a disputed obligation constitutes unfair and deceptive conduct. Resurgent has failed to demonstrate the accuracy, validity, or enforceability of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My motor went out in the vehicle. I called them to come pick it up but, I didn't want a repossession on my credit report. So I paid {$440.00} in XX/XX/year> to get it out of repossession and not be sent to an auction. I set up an appointment to pick it up from XXXX, MS . I was denied because they sent the car to an auction in XXXX XXXX, MS after I paid for it not to be sent there. So now I have a repossession on my credit report and they want more money for me to pay on the car. I feel like they just getting money from me and making it hard for me to get the car back.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
In XXXX of XXXX  I discovered my debit card from Direct Express/Comerica Bank was no longer working. I attempted to call the support line and am not able to get through to anyone to assist me. When I attempted to create an account online to access and transfer my funds it states that the card is not valid and I need to call the support line that does not answer. I have not received any information or communication as to why its no longer valid. I have attempted continuously call the support line and am put on hold for hours and hung up on. I am given the same number to call and can not get in touch with anyone to assist me. I am asking for assistance in getting access to my funds as it has been almost 1 year since this has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation