vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to report multiple inaccurate and harmful entries being reported on my credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections XXXX and XXXX ( b ), which require credit reporting agencies and furnishers to maintain maximum possible accuracy in consumer credit reports. 

Below are the details of the disputed and inaccurate items currently appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Wrong Address XXXX  XXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} Reported Late Payment XXXX BANK XXXX Date Opened : XX/XX/XXXX High Credit : {$590.00} Reported as Charge Off XXXX  XXXX BANK XXXX Date Opened : XX/XX/XXXX High Credit : {$450.00} Reported as Charge Off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$630.00} Reported as Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Reported as Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$640.00} Reported as Collection XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} Reported as Charge Off XXXX  XXXX BANK XXXX  XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Reported as Charge Off XXXX XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Each of the above accounts contains inaccurate or unverifiable information, including wrong addresses, erroneous late payment histories, charge-offs, and collection accounts that do not belong to me or were reported without proper verification. 

Despite my prior disputes with the credit bureaus, these inaccurate items remain, causing significant damage to my credit profile, emotional distress, and financial harm. This continued reporting violates my rights under : FCRA XXXX ( A ) Accuracy and fairness in credit reporting FCRA XXXX ( B ) Requirement to follow reasonable procedures for accuracy FCRA XXXX ( A ) Obligation to reinvestigate disputed information I am requesting immediate CFPB investigation into the following entities for failure to ensure accuracy and proper verification before reporting negative information : XXXX  ( XXXX Bank XXXX. ) XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX. 

I am demanding that the CFPB instruct these furnishers and the credit reporting agencies ( Experian, XXXX, and XXXX  ) to : Conduct a thorough reinvestigation of all the disputed accounts and addresses. 

Provide verifiable documentation proving my liability or association with these accounts. 

Delete or correct all inaccurate entries that can not be verified within the FCRA-man

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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Title XXXX is charging me 288 % for the last 2 days of the month .. my monthly payment is XXXX dollars I only borrowed XXXX dollars and that crazy that they charge this much interest people would never get nothing paid off. Its wrong that the way they do people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We booked XXXX XXXX XXXX XXXX XXXX XXXX from XXXX on XX/XX/XXXX, itinerary # XXXX, but since one of our travel companions has limited mobility, we tried to contact the hotel with some questions. However, no one ever responded only an automated virtual assistant. We eventually decided to cancel the booking and reserve another hotel instead on XX/XX/XXXX. 

Despite never checking in on XX/XX/XXXX, we were still charged the full amount of {$210.00}. When we made the reservation, there was no clear notice stating that the booking was non-refundable. The non-cancellation policy only appeared after we paid and received the confirmation email. 
It said we can travel with more peace of mind before XX/XX/XXXX if I need to cancel my stay. 
This is clearly a scam, I have tried to contact Wells Fargo many times, disputed transactin ID # XXXX, but they only stand on XXXX side. They claim that the booking page stated the reservation was non-refundable ; however, this is false. There was no such information shown before I made the payment. Both Wells Fargo Bank and XXXX have failed to protect the customer. I kindly request your office to protect the rights of American citizens in travel bookings.I have documents to prove if you need, We appreciate your help. 
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 2025-10-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Synchrony Bank regarding what I believe to be predatory and harmful credit practices that have caused significant and unfair damage to my credit profile.

I have multiple credit cards issued by Synchrony Bank, all with balances over {$5000.00}. I have never been late on any payments and have always paid my bills consistently and in good faith. Despite my strong payment history and responsible use of credit, Synchrony Bank has taken actions that have had a severe and negative impact on my credit score. 

Here is a summary of what occurred : I had a Synchrony Bank credit card with a {$5400.00} limit. 

After making a modest purchase of {$130.00}, Synchrony Bank suddenly dropped my credit limit to {$140.00}, placing my account near or over its limit, which made it appear I was maxed out. 

On several other cards issued by Synchrony Bank, they also drastically reduced my credit limits, in some cases to the amount of my current balance, causing my credit utilization ratio to skyrocket. 

These changes occurred without prior warning or ample justification, despite my consistent payment history. I have several other cards and no one has taken the actions that Synchrony Bank has however with them destroying my credit other may follow suit. 

When I called Synchrony Bank for an explanation, they cited my high balances which were only made to appear worse because of the limit reductions they imposed. 

These actions appear to be unfair, deceptive, and possibly retaliatory, and they directly contributed to a sharp decline in my credit score. This has affected my ability to access new credit and financial products and may impact employment, housing, and more. 

I believe Synchrony Banks conduct constitutes unfair and harmful lending behavior, targeting consumers who are actively managing their debts responsibly. It appears that the bank is manufacturing risk by suddenly reducing credit limits, thus penalizing consumers who are already making good faith efforts to manage their debt. 

I am requesting that this complaint be investigated and that Synchrony Bank be required to : Provide a full explanation and documentation for the credit limit reductions. 

Reassess and reinstate my prior credit limits based on my positive payment history. 

Cease practices that result in artificial inflation of credit utilization and consumer harm. 

Take steps to correct any unnecessary damage done to my credit report as a result of these actions. 

Thank you for your attention to this matter. I am happy to provide account numbers, credit reports, or other documentation upon request. 

Sincerely, 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 2025-10-22 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: FL

Complaint narrative:
I am filing a comnplaint to formally dispute several items on my credit report and demand their permanent removal, not correction. Despite my previous attempts to ensure accuracy, my credit files continue to contain inaccurate, unverifiable, and unauthorized information that has caused and continues to cause significant harm to my creditworthiness. I am exercising my rights under federal law to demand that these items be permanently deleted from all three bureaus. 
The Late Closed account currently listed as XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} XXXX XXXX is being reported inaccurately and should be removed in full compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting. Additionally, 605B / 15 U.S.C. 1681c-2 gives me the right to permanently block information resulting from identity theft, fraud, or unverifiable reporting, all of which apply to this account.

Furthermore, the following Charged Off accounts with XXXX XXXX XXXX remain on my credit report despite being inaccurate and unverifiable. These accounts show balances of {$2800.00}, {$6400.00}, and {$18000.00}, and continue to be reported without the issuance of a Form 1099-C to validate cancellation of debt. Their reporting violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the lack of verification, and each of these items should be permanently removed immediately. Their continued presence is damaging, misleading, and in direct violation of my consumer rights under federal law. 
In addition, there are several unauthorized inquiries that have been reported without my consent or any permissible purpose, including XXXXXXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX dated XX/XX/year>, and XXXX XXXX dated XX/XX/year>. These inquiries violate 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all of which restrict access to consumer credit reports without proper authorization or a legitimate purpose. I am demanding the permanent removal of these inquiries from my credit report immediately.

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 2025-10-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC
State: TX

Complaint narrative:
I am writing in reference to the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding this alleged debt, except as permitted by law.

This notice serves as my formal written request that you : 1. Stop all contact with me, including phone calls, letters, emails, or any other form of communication.

2. Refrain from contacting my family, employer, or any third parties regarding this matter.

3. Only communicate further if it is to : Inform me that you are ceasing collection efforts, or Notify me of specific legal action you intend to take.

Be advised that any further unauthorized contact after your receipt of this notice will be considered a violation of federal law under 15 U.S.C. 1692c ( c ) and may result in legal action.

Please govern yourself accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I financed a vehicle through Westlake Financial ( Acct XXXX ) via a third-party dealer. I suffered XXXX  hardship and requested deferments in XX/XX/XXXX, XX/XX/XXXX, and specifically again in XX/XX/XXXX. Despite that XX/XX/XXXX deferment request, Westlake repossessed my vehicle on XX/XX/XXXX without providing a Notice of Default, Right to Cure, or Notice of Disposition as required by UCC 9-609, 9-611, 9-613. I redeemed the vehicle the next day ( XX/XX/XXXX ). 

Westlakes own ledger shows only ~15-day late charges and no 60-day delinquency. In XXXX, Westlake and the credit bureaus reported my account as 3059 days late with {$580.00} past due ( two payments ), even though my payments on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were not more than 30 days late. Westlakes XXXX XXXX XXXX  CFPB response claims several instances of >30-day late, which is contradicted by their ledger and by their 15-day default notice practice. 

This conduct violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), XXXX XXXX standards ( accounts <30 days late must be coded 11Current, no skipped months ), CARES Act/FCRA 1681s-2 ( a ) ( 1 ) ( F ) ( accommodations must be reported as current ), and UCC Article 9 notice requirements. Credit reporting for XXXX XXXX was skipped, then the account was furnished as Repossession ; Redeemed, which is incomplete/misleading. 

I request : ( 1 ) removal of the repossession and false 3059 day late/ {$580.00} past-due ; ( 2 ) correction of XXXX XXXX reporting and proper CARES/XXXX XXXX accommodation codes ; ( 3 ) reversal of unlawful repo fees; and ( 4 ) a complete UCC 9-210 accounting and copies of all default/cure/disposition notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of XXXX closed by account on XX/XX/year> with no prior warnings. They closed XXXX checkings accounts ending in XXXX and XXXX. I was not given any form of notice, and received a letter in the mail on XX/XX/XXXX. 

I have banked at Bank of XXXX  for over 14 years and have deposited over 6 figures during that relationship. This seems like a targeted attack as I have previously disputed merchant charges that were valid and won. Bank of America had previously helped me recoup funds from malicious vendors but now, they have decided to close my account and threaten to spread misinformation about my relationship with the bank to third party subsidaries. 

The letter sent specifically mentions XXXX XXXX XXXXXXXX XXXX XXXX XXXX as the third oarty vendors that would spread invalid information about my relationship with the bank. 

I won multiple transactions with Bank of America so this seems utterly unfair to close my account because the bank wants to save $ on investigations. 

This is a move of pure greed and hurts the everyday consumer. I am also a XXXX XXXX XXXXXXXX so finding a reputable service will be tarnished with the invalid representation that Bank of America is spreading.

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 2025-10-22 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: CA

Complaint narrative:
To all parties involved I need your attention to this matter XXXX XXXX XXXX XXXX i received some unfortunate news i been notified that I am a victim of the Equifax. data breach which has resy in the theft of my identity I am seeking guidance please I seek the enforcement of my consumer right as specific in FCRA. Section 605 B ( 15U.S.V 1681c-2 as an individual impacted by identify theft I am entitled to request the removal of fraudulent information from My credit. report thank you. This registration mandate that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification kindly ensure deletion occurs within four business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
im currently banking with wells fargo i called them that there was unauthorized transaction on my debit card witch i didnt make this happend on XX/XX/year> they sent me a new card and gave me provational credit for the transaction and now they send me a mail the they are gon na charge me for the provational credit they are telling me that from there investigation the unauthorized transaction made from my account was valid and there was no error that the transaction was authorized and now they want me to pay for the provational credit that they gave me for that unauthorized transaction

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