vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Equifax. The account listed as XXXX XXXX ( Account # XXXX ) is being reported as a paid collection, but this is incorrect. 

I previously reached a pay-for-delete agreement with the debt collector for this account. The agreement stated that after payment, the collection account would be deleted from all credit bureaus. I completed the payment as agreed. 

I contacted XXXX XXXX directly, and they informed me that they no longer have this account in their system and can not validate or verify it, which confirms that the account should not be reporting. 

Despite this, Equifax continues to report the account as a paid collection, which is inaccurate, misleading, and causing harm to my credit profile. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies be accurate and verifiable. 

I am requesting that the CFPB require Equifax to : Delete the XXXX XXXX  collection account from my credit report immediately, Provide confirmation of the deletion, Ensure no further reporting of this account since the data furnisher can not validate or verify it and a pay-for-delete agreement was made. 

I have included all available documentation and request a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 am disputing the following items on my credit report as they contain inaccuracies. I request immediate investigation and correction of these entries. 

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 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 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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint due to the ongoing and unresolved issue involving XXXX XXXX XXXX XXXX and Wells Fargo Auto regarding the cancellation and refund of ancillary products that were added to my auto financing contract without proper disclosure or authorization. 

Vehicle : XXXX XXXX Purchase Date : XX/XX/2024 Dealership : XXXX XXXX XXXX XXXX Lender : Wells Fargo Auto Wells Fargo Case Number : XXXX Ancillary Products Charged : Service Contract : {$4700.00} Maintenance Package : {$1600.00} Shortly after the purchase in XX/XX/2024, I requested cancellation of these products and a refund of the unearned charges. Since that time, both the dealership and Wells Fargo have repeatedly failed to complete the cancellation and refund despite multiple confirmations and written commitments. 


Wells Fargo Auto confirmed in writing on XX/XX/2024 ( Case # XXXX ) that XXXX XXXX XXXX XXXX agreed to cancel and refund {$7000.00} in ancillary products to my auto loan ending XXXX within 12 weeks. 
Over 13 months later nothing has been done. I continue to pay excess principal and interest ( ~ $ XXXX ). 
Both the dealer and Wells Fargo now refuse to enforce the agreed refund. 

XXXX XXXX XXXX XXXX has been continually evasive. Each time I followed up, I received excuses such as the finance manager being unavailable, out sick, no longer employed, or that someone new will handle it. Despite months passing and repeated visits in person, nothing was completed.

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 2025-11-18 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: FL

Complaint narrative:
I am writing to dispute the following items on my credit report as they contain inaccuracies that need to be addressed. Below, I have provided the details of the accounts I am disputing, separated by each credit bureau. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
This is the complaint I submitted to the XXXX  but I got a further email today now stating I owe over {$600.00}. 

I had called this company and made a settlement payment to close out this account on XX/XX/XXXX. I asked for them to email a hard copy and email me confirmation that this was settled, and the account was closed. I then received a call from them on XX/XX/XXXX stating that I still owed them money. I tried to explain that I already called on XX/XX/XXXX and SETTLED the debt, and didn't understand why they were calling to collect more money. I was told it was due to a charge back... The card that i provided was charged only once, so when I called on XX/XX/XXXX to do a settlement to close this account, this " charge back '' was never brought up. I want this company to stop calling me. I have the documentation that states " This settles the account and releases you from any further liability regarding obligations to the original creditor, Columbia Debt Recovery LLC DBA Genesis further agrees to request a full deletion of any negative information supplied to any credit bureau ... '' I want to make sure that they STOP contacting me. This debt was SETTLED. I have the documentation stating so. This was also removed from the Credit Report ( per XXXX XXXX  ) I do not want it added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 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: CO

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Nordstrom Credit Card ( XXXX ) XXXX. Alerted me in XX/XX/year> of a suspicious charge. 
XXXX. I responded immediately confirming I did not make this purchase. 
3. Nordstom cancelled the card but allowed the charge to go thru.

4. Nordstrom opened a fraud case.

5. Nordstrom responded in XXXX the fraud case was concluded that I made the {$390.00} purchase on XXXX. 
XXXX. I asked Nordstrom to re-open the case and ask for more information, as the information they collected was all information that is easily accessible to someone who hacked into my account to make the purchase. I asked Nordstrom to ask the merchant/vendor for an email receipt showing proof of purchase, to have the merchant/vendor prove shipping information with tracking.

7. Nordstrom refused to believe me and do more work, even when I expressed that I had been logged out of my XXXX account due to it being hacked. 
XXXX. I asked Nordstrom to open a dispute given if this was a real order, a package would have been delivered to my house with shipping information. They refused to help me look into this further given the merchant/vendor provided my name, shipping/billing, zip code information from the vendor and that I have previously made purchases on XXXX but not with that particular vendor. This is ALL information that is easy to access for someone other than me to provide. 
XXXX. Given XXXX is a global marketplace, I am not getting a response from them to help, I am still locked out of my account given it was hacked. But Nordstrom refuses to believe me that this purchase was not me and do more digging to prove this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I took in a loan from Wells Fargo for a bathroom remodel. When I went to create an account to pay the loan, I receive an error before the account can be created. I made an attempt to call to resolve the issue and I was sent around several divisions before being told to come in to a local location to resolve the issue. I went into two different local Wells Fargo locations and was eventually told to call the support number. This process has repeated in a loop while the 0 % interest loan has now turned into an ever increasing interest while I am unable to pay. The only resolution they have been able to give me is to pay off the what I owe while offering zero solution to fix the problem starting from all over again on the next payment cycle. My credit score has dropped over XXXX points due to this issue.

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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I have received several calls from XXXX at " Structured Settlement '' about collecting a debt. I asked him to send me some validation of the debt because I did not recognize it and I wanted to review it. He stated that I had 24 hours to call back with a payment arrangement or it would be sent to their attorney. That call was on XX/XX/XXXX. I did not ever receive the email I requested. then on XX/XX/XXXX, my son received a voice to text message, and he said that he was XXXX from the above-mentioned company and that he was looking for me and that he was attempting to collect a debt. He had already spoken to me, and he is not allowed to tell my relatives that he is attempting to collect a debt. and requested that my son call him at XXXX. I called back and informed XXXX that he is not allowed to reach out to anyone and tell that that he is trying to collect a debt from me and did not need to call my son because he already had my number. He then started to scream at me and state that I have no business telling him what he can and can't do. I told him that I was no longer going to talk to him and that I was going to report him. He continued to scream over top of me and state that I am just a debtor and that he can use any resources needed to collect the money. I told him he was rude and that he does not belong in any customer service profession and he interrupted me again and said that he is not in customer service and that he is just to collect money. I then hung up and refused to continue the conversation. The next day someone named XXXX called and attempted to speak to me and I told her I am done with the company and hung up. XXXX then called and left a voicemail yesterday stating that they will start contacting my employer and attaching wages and doing whatever they have to in order to get the money paid. I feel they have violated many laws. They are not allowed to call my relatives and say that they are attempting to collect a debt, and they are not allowed to threaten or harass which I feel they have done and they should never be screaming and belittling me. The number they call from is XXXX and the number they leave to return the call is 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I signed up for XXXX XXXX and got a cell phone installment plan through citizens bank XXXX XXXX XXXX XXXX and Citizens had a falling out. I was making my installment payments XXXX based off the arrangement but since the falling out the credit of XXXX did not appear on my bill. But it still showed payment installments of XXXX but my past due kept growing higher and higher. I was not aware they were dinging my credit for late payments every month and they sent me to collections. I got a email from citizens to do a lumpsum payment. I called to accept the offer and made the payment. I noticed weeks later the balance was still there. I called back and spoke to a supervisor who said no such offer was made and I still owed the remaining balance. I told him also that the late payments is wrong and needs to be removed off my credit. And that I also had recorded the phone call with the previous rep who took my payment for the lumpsum to pay off the account. He said they would investigate and get back to me in 5 business days but I have received no such communication. They would also submit something to investigate the late payment reporting. I have no received anything about that either. I got another bill today saying i still owe. I called customer service ask for a supervisor and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
deposited check at my bank branch atm on XX/XX/year>. ( chase bank XXXX az ) check bounced XX/XX/year> for unable to locate account. requested official copy of returned check and told would receive it by mail. did not receive it. called the branch and the toll free customer service XX/XX/year>, neither had any answers but was told they would research the issue and call or email me. no response. went back to the branch on XX/XX/year> they had no answers but would have someone from the branch call me. received the call later that day, again no answers and he hung up on me for pushing for an answer on what to do, i asked who i should talk to that is above the bank to help me resolve this but he said he would not give me that info. on XX/XX/year> got a call from the chase branch complaints and escalation group. he gave me a reference number and told me it would get handled and i would receive a phone call from someone else and also receive the official check in the mail. again nothing happened, it is now XX/XX/XXXX XXXX this issue is from their atm putting a line down the center of my deposited check through the first digit of the account number, no issues with the check, but with the atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items on my credit report. Below are the accounts I am disputing, and I request that they be reviewed and corrected as soon as possible under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXXXXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$580.00} Issue : This account is reported incorrectly as charged off. Please verify. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Incorrect charge-off reporting. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting status. Please verify. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$860.00} Issue : Charge-off status is incorrect. 

XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Issue : Please review the charge-off status. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$810.00} Issue : Account reported incorrectly. 

Inquiries : I request that the following inquiries be removed from my report as they were made without my consent : XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX Late Payments : XXXX Account Number : 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