vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX Date : XX/XX/2025 To Whom It May Concern, Re : Cease and Desist Account Number XXXX I am writing in reference to the above account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist from any and all communication with me, my family, my employer, or any third party regarding this alleged debt. 

Please be advised of the following : XXXX. You are prohibited from contacting me by phone, mail, email, or any other method, except to confirm that you will comply with this cease and desist request, or to notify me of specific legal action you intend to take. 
XXXX. Any further attempts to collect on this alleged debt outside of what is legally permissible will be documented and may be considered harassment under federal law. 
XXXX. This letter is not an acknowledgment of liability for the alleged debt, nor is it a waiver of my rights under the FDCPA or any other applicable laws. 

Failure to honor this request will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General of Nevada. 

I expect your compliance with this request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
am contacting you regarding my account Wells Fargo I have been attempting for some time to resolve the negative reporting associated with this account, specifically the late payments that continue to appear on my credit report. 

This account has been paid in full and been in good standing. At the time of payoff, I requested and understood that the late payments would be removed ( pay-for-delete arrangement ). Despite honoring my financial obligation, the negative marks are still being reported. 

I have contacted their office multiple times to have this corrected, but the issue remains unresolved. I am respectfully requesting that you take immediate action to remove the late payment history from XXXX credit bureau reporting associated with this account. This request is made in good faith, as I have paid the balance in full and fulfilled my commitment.

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 2025-08-24 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A charge card account with XXXX XXXX XXXX ( Account Number : XXXX ) was reported with an open date of XX/XX/2024 and is now listed as closed. The report shows a past due amount of {$120.00} and a highest balance of {$240.00}. 

I am disputing the accuracy of the reported past due amount. I was not properly notified of any missed payments or outstanding balance prior to the account being closed. Additionally, I have not received clear documentation from XXXX XXXX XXXX to justify this status. 

I have made attempts to resolve this matter and requested clarification from the company, but have not received an adequate response. I am requesting a full investigation into this account and that the inaccurate or unverifiable information be corrected or removed from my credit report.

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 2025-08-24 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX Bank Attn : Compliance Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Cease and Desist Account # XXXX ( XXXX XXXX XXXX  XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby demanding that you cease all communication with me concerning the above-referenced account.

I am formally notifying you that I do not consent to any further direct contact regarding this alleged debt, except as specifically allowed by law, such as to inform me of a legal action being taken. 

Please be advised that : Any further communication with me, other than what is permitted under the FDCPA, will be considered a violation of federal law. 

Any attempt to contact me by phone, mail, email, or otherwise, will be documented and may be used as evidence of noncompliance.

This letter is not an admission of liability for the alleged debt, nor a waiver of any of my rights under the Fair Credit Reporting Act ( FCRA ), the FDCPA, or any other applicable state or federal law. 

I expect written confirmation from your office acknowledging that you will comply with this request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXXity Bank AttXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Cease and Desist Account # XXXX ( XXXX & CO ) To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby demanding that you cease all communication with me concerning the above-referenced account. 

I am formally notifying you that I do not consent to any further direct contact regarding this alleged debt, except as specifically allowed by law, such as to inform me of a legal action being taken. 

Please be advised that : Any further communication with me, other than what is permitted under the FDCPA, will be considered a violation of federal law.

Any attempt to contact me by phone, mail, email, or otherwise, will be documented and may be used as evidence of noncompliance.

This letter is not an admission of liability for the alleged debt, nor a waiver of any of my rights under the Fair Credit Reporting Act ( FCRA ), the FDCPA, or any other applicable state or federal law. 

I expect written confirmation from your office acknowledging that you will comply with this request. 

Sincerely, 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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a XXXXXXXX  account in XX/XX/year> to pay for my daughters orthodontic treatment. At the time of opening, I was never clearly informed that if the balance was not fully paid off by the end of the promotional period, all deferred interest over {$3000.00} would be charged retroactively. 

I have made consistent, on-time payments for 24 months, and my balance is now around {$2800.00}. When I called customer service, I requested assistance or a courtesy adjustment, but they declined. I spoke to XXXX agents including managers to help me with my issue. I asked for a 15 day extension to give me more time to pay off the XXXX balance as a courtesy and I was denied. This massive charge is a significant financial hardship, and I believe the terms and risks of the promotion were not adequately explained to me at the time of opening. I feel that I was in a vulnerable situation at the time focused on getting my daughter the medical care she needed and I relied on the information provided by the representative when opening the account. This large retroactive charge has created a significant financial hardship and feels unfair given my consistent payment history and good-faith effort to pay down the balance. 

I am requesting that the interest charges be waived or reduced so I can pay the balance off and be able to provide my other daughters with orthodontic treatments.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, social security number : ( XXXX ), Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). This account has resulted in fraudulent credit card account appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the 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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: NY

Complaint narrative:
Summary of the Issue : On XX/XX/XXXX, I lawfully served Jefferson Capital Systems with a NOTICE OF OPT-OUT, NON-CONSENT, AND DATA USE REVOCATION. This was done pursuant to : The Privacy Act of XXXX The Fair Credit Reporting Act ( FCRA ) The Gramm-Leach-Bliley Act The Electronic Communications Privacy Act In my notice, I : Revoked all consent ( actual, implied, or presumed ) for Jefferson Capital Systems to collect , store, access, share, or report any of my personal data, including but not limited to : name, likeness, SSN, DOB, address, or any identifying information. 
Demanded written acknowledgment within 15 days confirming they received and would comply with the notice. 
Violations : As of the date of this complaint, Jefferson Capital Systems has not responded to my lawful notice, nor have they provided any acknowledgment as required. Their continued silence and data handling without consent constitutes : Willful violation of federal privacy and consumer protection laws Unlawful data retention and dissemination Failure to acknowledge a legal demand under the Privacy Act and FCRA Relief Requested : I demand the following from Jefferson Capital Systems : Written acknowledgment of receipt and compliance with my Opt-Out Notice Immediate cessation of all collection, storage, and dissemination of my private data Confirmation that all personal and financial data pertaining to me has been deleted from their systems Cessation of all collection activities, unless verified lawful standing and express written consent can be provided, {$100000.00} per each federal violation in the form of a check sent to the address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, AL XXXX XXXX XX/XX/year> CURRENT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Re : Formal Dispute of Inaccurate/Unverifiable Account Reporting Account Number : XXXX To Whom It May Concern, I am writing to dispute the reporting of the above-referenced account that your company has furnished to the credit reporting agencies. After reviewing my credit report, I have determined that the information being reported is inaccurate, incomplete, and unverifiable. 

The account is currently being reported as Open/ Pays account as agreed with a balance of {$0.00}, no credit limit, and no monthly payment obligations. This representation is misleading, creates the false appearance of an active tradeline, and is materially inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting any information that is known, or should be known, to be inaccurate. Furthermore, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 2 ), once a consumer disputes the accuracy of furnished information, the furnisher must not continue to report that information without first conducting a proper investigation and verifying its accuracy. 

Accordingly, I demand that you : 1. Provide written documentation verifying the accuracy of this account, including but not limited to the original signed agreement, complete payment history, and terms of the account ; or 2. Immediately request deletion of this account from all credit reporting agencies if you are unable to provide proper verification.

Please be advised that if you continue to report inaccurate or unverifiable information, you will be in direct violation of the FCRA. Such violations may result in civil liability under 15 U.S.C. 1681n and 1681o. 

This letter serves as formal notice to correct or delete this tradeline within 30 days of receipt. Please send written confirmation of your findings and actions to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of ID, SS Card, Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I reviewed my credit report and noticed that the account with XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting a 30-day late payment for XX/XX/XXXX. This information is not accurate, because I have always made my payments on time and I was never late in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted a dispute to the agencies and provided copies of my identification and proof of address. However, tha agengies rejected my dispute and failed to reinvestigate as required. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must reinvestigate any disputed information in a credit file. Also, under 15 U.S.C. 1681e ( b ), The agencies has a duty to maintain reasonable procedures to assure maximum possible accuracy of information.

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 2025-08-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed that the account with XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting a 30-day late payment for XX/XX/XXXX. This information is not accurate, because I have always made my payments on time and I was never late in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted a dispute to the agencies and provided copies of my identification and proof of address. However, tha agengies rejected my dispute and failed to reinvestigate as required. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ), a consumer reporting agency must reinvestigate any disputed information in a credit file. Also, under 15 U.S.C. 1681e ( b ), The agencies has a duty to maintain reasonable procedures to assure maximum possible accuracy of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern : I am disputing inaccurate information on my credit report regarding a delinquent payment reported by Bank of America.

Summary of Dispute The delinquency stems from Bank of Americas failure to provide required statement notifications despite my enrollment in electronic statements and verified contact information on file. As a result, I was not aware of charges until after my account was reported delinquent. I maintain that this delinquency is the direct result of Bank of Americas error and should not be reflected on my credit report. 

Timeline of Events XX/XX/2025 XXXXXXXX XXXX XXXX I spoke with XXXX XXXX regarding the delinquency. I made a good faith payment and explained that I never received statement notifications. My request to remove the delinquency was denied. 

XX/XX/2025 Later that day I spoke with XXXX XXXX, who confirmed statements were generated but admitted I had not received them. He suggested checking the mobile app every XXXX days instead of addressing the missing notifications. 

XX/XX/2025 XXXXXXXX XXXX XXXX I escalated to Supervisor XXXX XXXX, who acknowledged my claim, stated the issue warranted investigation, and advised I could request delinquency removal after the payment cleared. She then transferred me to Online Banking Technical Support. 

XX/XX/2025 Following Transfer I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX He confirmed statements were marked as sent in their system but noted I had not received them, despite receiving other Bank of America marketing emails. He recommended enabling e-Bill, which immediately produced a notification, further proving the e-statement notification system failed. He also stated he would file a complaint on my behalf. 

XX/XX/2025 When I called back to request removal of the delinquency, Bank of America refused further cooperation, despite acknowledging issues with their notification system the prior day.

Additional Issues Bank of America has refused to provide : Account notes documenting these interactions.

Call logs confirming the conversations.

Proof that e-statement notifications were actually sent to my email address.

This lack of transparency further supports my claim that Bank of Americas system failure caused the delinquency. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-24 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Date : XX/XX/XXXX To : INNOVIS Re : XXXX XXXX XXXX XXXX XXXX Account XXXX FCRA XXXX XXXX Violations Account : XXXX XXXX XXXX To Whom It May Concern, This is a formal dispute of the XXXX XXXX account being reported on my XXXX credit file. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

Violations & Inaccuracies Identified : 1. FCRA 623 ( a ) ( 1 ) ( A ) : XXXX is furnishing information it knows or should know is inaccurate. The account is reported as both charged off and past due, which is contradictory.

2. FCRA 623 ( a ) ( 1 ) ( B ) : Continued reporting after I disputed the account violates this section.

3. FCRA 611 ( a ) : XXXX failed to conduct a reasonable reinvestigation. Payment history reflects ongoing late payments ( 180 days ) in XXXX after the account was already charged off in XXXX, which is impossible. 


4. FCRA 611 ( a ) ( 7 ) : You have failed to provide me with a full description of the reinvestigation procedure as required.

5. Metro 2 Compliance Violation : Reporting an account as charged off while simultaneously showing delinquency and 180-day late statuses violates industry reporting standards required by the FCRA. 


6. UCC 9-611 : No proper notice was provided before XXXX disposed of or charged off the account, constituting a violation of commercial law. 


7. FCRA 623 ( b ) : XXXX failed to conduct a proper reinvestigation after being notified of the dispute through Experian. 



My Demands : Delete the XXXX XXXX account ( Acct # XXXX ) from my Experian credit report immediately. 

Provide me with the full reinvestigation procedure details under 15 U.S.C. 1681i ( a ) ( 7 ).

Provide copies of any alleged notices under UCC 9-611.

Cease any further reporting of inaccurate, incomplete, or unverifiable information.

If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I also reserve the right to seek damages under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 

This letter serves as my formal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
This same XXXX XXXX debt keeps reappearing on my XXXX  credit report every year, even after it has been sold, closed, or disputed. I have had to file multiple disputes because the account is either duplicated between XXXX XXXX and Jefferson Capital Systems or re-aged in violation of the Fair Credit Reporting Act. Each time, the balance is reported as past due, which continues to damage my credit unfairly. I am requesting that this inaccurate and misleading account be permanently removed from my credit report so that I do not have to keep disputing it year after year.

Company response to consumer: Closed with explanation