vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I woke up on XX/XX/year> to an email from Wells Fargo stating the following : " Heads up you're nearing your credit limit. '' The contents of the email contained the following : " Here 's where you're at XXXX used : {$3100.00} Credit limit : {$3200.00} XXXX number : ... XXXX Sign on to learn more about your credit limit. '' I was shocked to see this because I had not used my card in several months. When I logged into my account, that is when I noticed that my credit limit had been dropped from {$6000.00} to {$3200.00}. 

That move without informing me of the reduction, has negatively impacted my XXXX XXXX as my credit utilization had significantly increased. When I called Wells Fargo to ask if they could increase the limit back to where it was, they said they could not and that they would have to make a XXXX  credit pull, which once again, I do not want ding my XXXX XXXX again. 

I do not believe this is fair practice. I pay my credit card on time, as I use Auto-Pay feature to make sure my payments are made every month and this is a move that becomes negative. Why are card companies allowed to do this without giving a person any warning or decision as to why they are making this change.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It XXXX Concern, This letter is a formal notice that I am disputing the validity of the above-referenced account. This is not a refusal to pay but a request for verification and compliance with federal law. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ), I demand that you provide the following : Full validation of the alleged debt, including a copy of the original signed agreement bearing my signature and itemized statements of the balance. 
Proof of authorization showing you have the legal right to collect or report this debt. 
Documentation of compliance with XXXX XXXX. XXXX, including how my nonpublic personal information was obtained, used, and disclosed with my consent. 


Until you provide full validation, you must : Cease all collection activity. 
Cease reporting this account to any consumer reporting agencies. 
Remove any unverified information already furnished to Experian, Equifax, and TransUnion. 


Be advised : continued reporting or sharing of my personal information without proper authorization violates federal law. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

You are required by law to respond to this request within XXXX  days of receipt. 

Sincerely, 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My recent credit report review revealed the presence of bankruptcy records that should not appear on my consumer file, representing a clear violation of my privacy rights under federal consumer protection statutes. These erroneous entries appear to be the result of identity theft activities, and their inclusion on my credit profile constitutes unauthorized disclosure of personal information that I never consented to share. The appearance of these fraudulent bankruptcy filings has created serious complications for my financial standing and has subjected me to unwarranted scrutiny from potential lenders and creditors. Your organization 's failure to properly verify this information before including it in my consumer report has resulted in significant harm to my creditworthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was limited on Paypal during summer, with no explanation. I now can not send money or recieve it. I have XXXX in my balance that I need to withdraw. I tried to cotnact them and they just said : " After reviewing your account, weve decided to permanently block it due to risk concerns. While your account can not process payments moving forward, you can still log in to : View your transaction history Download account statements Request copies of your data I know this may be frustrating, and we dont take decisions like this lightly. Unfortunately, this action is final and cant be appealed. If there were another option, wed gladly offer it, but in this case, its not possible. '' I don't even sell anything on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name and address are incorrect on all three credit bureaus. My name has changed since XXXX My name is XXXX XXXX and my address is current and the only address that should be on file.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM 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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX AND JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2025-09-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as accurate, I request that they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting this complaint regarding ongoing unlawful collection activity by Resurgent Capital Services, L.P., in connection with an alleged debt originally claimed to be owed to XXXX XXXX XXXX XXXXXXXX. ( Reference ID : XXXX ). Despite XXXX formal requests for debt validationdated XX/XX/year>, and XX/XX/XXXX, XXXX has failed to provide documentation that satisfies the legal requirements set forth in both the Fair Debt Collection Practices Act ( FDCPA ) and North Carolina General Statutes 58-70-110 through 58-70-115. 
In both responses to my validation requests, Resurgent merely sent a billing statement and a generic account summary, neither of which fulfill the required elements for proper debt validation. My letters specifically requested the following, which were not provided : -A copy of the original signed contract or agreement that created the alleged debt, as required by NCGS 58-70-115 ( 1 ). 
-A complete itemized account history showing how the alleged amount was calculated, including all interest, fees, and payments ( NCGS 58-70-115 ( 2 ) & ( 3 ) ). 
-Proof of Resurgents legal authority to collect debts in North Carolina XXXX including a copy of their permit or license issued by the North Carolina Department of Insurance ( NCGS 58-70-115 ( 5 ) ). 
-A written statement regarding whether the debt is within the statute of limitations for legal action, as required by NCGS 58-70-115 ( 4 ). 
Furthermore, I informed Resurgent in my second letter ( Final Notice ) that failure to provide these materials would be considered a willful violation of both state and federal consumer protection laws and that I would be filing this complaint if they continued collection attempts without proper validation. 
Despite this, they responded again with the same limited information, ignoring the specific and statutory requirements I cited. This conduct violates : FDCPA 1692g ( b ) by failing to cease collection activity without providing proper validation ; NCGS 58-70-115 by failing to provide the legally required documentation after XXXX  written requests ; NCGS 58-70-120 & 58-70-125 by continuing collection efforts without proper validation and by using misleading means. 
If Resurgent is currently reporting this alleged debt to credit bureaus, that would constitute additional unlawful collection activity in the absence of proper validation.

I am requesting that your office investigate Resurgent Capital Services for failure to comply with North Carolina debt collection laws and take any appropriate enforcement actions. I am also requesting that Resurgent immediately cease all collection effortsincluding phone calls, letters, or credit reportinguntil and unless they comply with all legal validation requirements. 
Supporting documentation ( copies of my letters and their responses ) can be provided upon request. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My minimum recurring payment was not adjusted due to Government related increase in interest rate which was approximately only an additional XXXX XXXXXXXX which, if adjusted and provided notifications about the impact of the minimal adjustment, could have avoided the lowering of my credit score. All of which could avoided negative impacts to my overall credit score and credit worthiness with Capital One and other credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: XOOM CORPORATION
State: NC

Complaint narrative:
I am filing this complaint to report repeated discrepancies in exchange rates, consistent delays in executing my transactions, and the merchants ( or financial institutions ) failure to provide a satisfactory resolution despite my numerous attempts to resolve the matter directly. 

Summary of issue : Company : Xoom Account/Transaction IDs : Transaction IDs go back for 5 years Transaction dates : go back 5 years until now Amounts and currencies involved : the exchange rate is attached Problem : The company applied exchange rates that differ materially from fair market rates at the time of each transaction and charged additional undisclosed fees. The delays in executing transactions compounded these discrepancies and caused financial loss. 
Attempts to resolve : I contacted the company on XX/XX/2025 via email and phone call and requested an itemized accounting of fees, the exchange rates applied, and refunds for overcharges. I have not received a satisfactory or complete explanation, nor have I received the requested refunds. ( Attach copies of communications if available. ) Requested relief : A full, written accounting of every charge and fee applied to the listed transactions, including the exact exchange rate ( s ) used, the source and timestamp of those rates, and any markups applied.

A refund of the difference between what I was charged and the correct amounts calculated using fair market exchange rates at the time of each transaction, plus any related fees or interest as appropriate.

A written confirmation of corrected statements and refund ( s ).

Enclosed/Attached documents : Transaction statements Receipts Copies of communications with the company Impact : These practices have caused me measurable financial loss and undue stress. I seek the CFPBs assistance in investigating the companys disclosure and pricing practices, obtaining a full accounting and refund, and ensuring corrective action to prevent similar harm to other consumers.

I authorize the CFPB to share my complaint and supporting documents with the company and other relevant regulators as needed to investigate and resolve this matter.

Please contact me at [ phone number ] or [ email address ] if you need additional information. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because Equifax has failed to properly investigate and correct inaccurate and unverifiable information on my credit file, despite my disputes and requests for reinvestigation. These errors continue to harm my creditworthiness, financial stability, and consumer rights under the Fair Credit Reporting Act. 

Equifax is reporting several tradelines with derogatory late-payment history that remain unverified. The first is XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$27000.00}. I have disputed these items and requested validation, yet Equifax has not provided any original contracts, signed agreements, or credible documentation proving that these accounts and reported late payments are accurate. Without such validation, these accounts remain unverifiable and should have been deleted as required by law. 

Equifax is also reporting multiple hard inquiries that I never authorized and that have not been validated with proof of permissible purpose. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not grant permission for these inquiries, and Equifax has failed to provide proper verification that they were authorized. The presence of these inquiries without validation is a violation of the FCRA, which requires credit reporting agencies to ensure that all information they report is accurate and obtained with permissible purpose. 

I have already submitted disputes to Equifax, yet they have ignored their obligations under FCRA 611 and 623 by allowing this unverifiable information to remain. Instead of deleting or correcting the false reporting, Equifax has chosen to continue publishing inaccurate and damaging information. This ongoing negligence has caused harm to my credit file and financial opportunities, while showing a reckless disregard for federal law. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to compel Equifax to perform a full reinvestigation, provide proper validation with original signed documentation, and permanently delete any unverifiable, inaccurate, or unauthorized items. This includes the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all of the above-listed inquiries. 

Equifaxs failure to comply with its legal responsibilities under the FCRA has placed me in a position of ongoing financial harm, and I am seeking CFPB enforcement to hold them accountable and ensure my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My name and address are incorrect on all three credit bureaus. My name has changed since XXXX My name is XXXX XXXX and my address is current and the only address that should be on file.

Company response to consumer: Closed with non-monetary relief