vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because my Experian credit report contains several accounts inaccurately showing late payment notations even though these accounts are paid, closed, or have XXXX past-due balances. The information currently reporting does not reflect my true payment history. The following accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Past Due : {$0.00} I have reviewed my records and confirmed that none of these accounts were past due on the reported dates. The continued presence of these inaccurate late payment marks creates a misleading impression that I have missed payments when, in fact, these accounts are current or have been paid in full. This false reporting has harmed my credit score and overall creditworthiness. 

Under 15 U.S. Code 1666 ( b ), creditors must correct billing and payment errors, and under 15 U.S. Code 1681n, both Experian and the furnishers can be held liable for willfully reporting false or inaccurate data. The Fair Credit Reporting Act ( FCRA ) requires Experian to ensure that all information reported is accurate, verifiable, and complete, and to correct any disputed data that can not be substantiated through documentation. 

I previously disputed these late payment entries with Experian, yet the bureaus responses did not include any actual proof of delinquencyonly a generic statement that the information had been verified. That does not satisfy the FCRAs reinvestigation requirement. Without documented proof such as billing records or payment histories from the original furnishers, Experian can not lawfully continue to report these late payments. 

This situation has caused ongoing frustration and unnecessary financial harm, as it prevents my credit report from accurately representing my payment reliability.

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 2025-11-02 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: TX

Complaint narrative:
I am writing to express my dissatisfaction with Wells Fargo 's customer service regarding my credit limit increase request. 

On XX/XX/XXXX. I called Wells Fargo 's customer service at around XXXX to ask for an increase in my credit limit. The automated message said I would be connected shortly, with an estimated wait of 15-20 minutes. But I ended up waiting on hold for more than an hour, and no one ever answered my call. There were no updates during the long wait, which made the situation very frustrating.

I have been a Wells Fargo customer for some time and have always had a good experience until now. This incident has made me question the bank 's ability to provide proper customer support. I think Wells Fargo should improve its customer service process to ensure that customers don't have to wait so long for assistance. 

I hope the XXXX  can help me resolve this issue. I would like Wells Fargo to contact me, apologize for the long wait, and process my credit limit increase request as soon as possible. 

Thank you for your help. 

Sincerely,

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 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year> I recieved an alert from a a credit monitering service that a new derogertory Item was placed on my credit file with Experian. Upon reviewing my credit file I saw that XXXX XXXX XXXX reported a collection account to Experian as the debt buyer of an account on XX/XX/year> originating from XXXX XXXX XXXX XXXX. I am on Social Security XXXX, my income is protected by law from being garnishment by any civil suit brought upon me in any attemp to collect. This information should have, or may have been made available to Jefferson Capitol Systems when they decided to purchase, uncollectable XXXX XXXX for XXXX. I have never had any signed contract or business with Jefferson Capital Systems. I request they provide a business negotiated contract signed by me where I have ever contacted them. I am requesting Jefferson Capital Systems immediately remove this item from my XXXX XXXX XXXX XXXX credi file. I will be filing a complaint with CFPB as well as my State Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed Inquiries that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-02 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: NY

Complaint narrative:
Synchrony Bank ( PayPal MasterCard ) reduced my credit limit from {$15000.00} to {$1500.00} without any prior notice or email, despite my FICO score being above XXXX and an unblemished credit history. I subsequently closed the account due to this unexpected and insulting action. I believe Synchrony should provide advance notification before such drastic changes and offer reinstatement for qualified customers.

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 2025-11-03 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: VA

Complaint narrative:
Pursuant to 15 u.s.c 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 u.s.c 1681b ( a ) ( 2 ).

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 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX LA XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Equifax Dispute DepartmentXXXXI am writing to formally dispute and request the immediate removal of one or more unauthorized accounts and collection entries that are inaccurately reporting on my Equifax credit file. These items are fraudulent, were opened without my knowledge or consent, and are a direct violation of my rights under the Fair Credit Reporting Act (FCRA).XXXXUpon reviewing my Equifax credit report, I identified the following unauthorized entries:XXXX XXXX XXXXI did not open these accounts, authorize them, or have any prior relationship with the companies listed. As required under FCRA 602A, 603(c), 605B, and 609(e), I am requesting the following actions:\n\nRequested Actions:XXXXConduct a full investigation of the disputed accounts.\nImmediately block, delete, or remove the unauthorized accounts and related inquiries and collections.XXXXEnclosed are copies of supporting documents for your review.XXXXPlease complete your investigation within the XXXX-day compliance period as required under FCRA 611 and provide a written response to my mailing address listed above.XXXXFailure to remove fraudulent accounts after proper notice would constitute noncompliance with the FCRA and may result in further action, including filing complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and State Attorney General.XXXXThank you for your prompt attention to this matter. I expect written confirmation of the removal of all unauthorized accounts and collections from my Equifax file.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
This letter serves as formal demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., that you immediately delete the eviction record identified as XXXX XXXX. XXXX from your consumer reporting files and cease any further dissemination of it. 

As I have already notified you, this record is inaccurate, unverifiable, and incomplete. Your continued reporting of it violates : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requiring proper reinvestigation after dispute ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting furnishing of information known to be inaccurate. 

Unless you furnish certified court documentation verifying the eviction judgment and proof of final adjudication within XXXX calendar days of your receipt of this letter, I demand you delete the record, notify all downstream users of its deletion, and confirm in writing by return mail that you have done so. 

If you fail to comply, I will proceed with legal remedies under 1681n and 1681o of the FCRA, including seeking statutory damages, attorneys fees, and punitive relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This correspondence serves as a formal dispute and request for validation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I am disputing the accuracy, completeness, and verifiability of the above-referenced account that you are reporting or attempting to collect. As required under 15 U.S.C. 1692g ( b ), I am hereby requesting full validation of this alleged debt. Until proper validation is furnished, you must cease all collection activity, including but not limited to reporting, verifying, or furnishing information regarding this account to any consumer reporting agency.

For full compliance, your validation must include, at minimum : 1. A copy of the original signed contract or instrument bearing my signature establishing the alleged debt ; 2. The full accounting and itemization of all charges, payments, interest, and fees added to the account since inception ; 3. Proof of ownership or assignment establishing your legal right to collect on this alleged debt ; 4. Name and address of the original creditor as required under 15 U.S.C. 1692g ( a ) ; and 5. Documentation showing that this account is being reported accurately, as required under 15 U.S.C. 1681s-2 ( a ) and ( b ).

Be advised, any continued reporting of unverifiable or inaccurate information constitutes a willful violation of the FCRA and FDCPA, exposing your company to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k, including actual damages, statutory damages, attorneys fees, and costs.

You are further notified under 15 U.S.C. 1681i ( a ) that I am requesting a reinvestigation of this account with all consumer reporting agencies to whom you have furnished data. Should you fail to respond within the timeframe established by law ( 30 days from receipt of this notice ), I will consider this account null, unverified, and legally unenforceable, and I will pursue all available remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office.

This letter constitutes an official notice to preserve all evidence, including call recordings, correspondence, and system notes, as they may be requested in future proceedings. 

Please govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
A fraudulent XXXX  account was opened in my name without my authorization. The account number is XXXX, and the balance being reported varies between {$130.00} and {$140.00} depending on the collection agency. I never opened or used this account. 

I have already filed an identity theft report with the FTC ( Report XXXX XXXXXXXX ) and a police report with the XXXX XXXX XXXX XXXX ( Report XXXX XXXXXXXX, Case XXXX ). I also completed XXXX XXXX XXXX XXXX XXXX Despite this, the account has now been reassigned to multiple debt XXXX first XXXX XXXX XXXX, and most recently Credence Resource Management ( Ref XXXX XXXXXXXX ). 

I attempted to resolve this directly by visiting a XXXX XXXX and calling their fraud department, but I was told to file an FCC form that was unavailable due to the government shutdown. XXXX has not confirmed closure of the fraudulent account, and collection activity continues even though they have full documentation proving it is identity theft. 

I am seeking help from the CFPB to stop the repeated collections and ensure XXXX properly closes and removes this fraudulent account from all systems and credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: LA

Complaint narrative:
I agreed to a loan with XXXX XXXX XXXX for {$1500.00} but didn't realize the interest rate was 777 %. It's predatory in nature and will cost me XXXX XXXXXXXX in fees to pay it off. The site shoud be taken down in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, on behalf of XXXX XXXX of XXXX XXXX, California, under an active Consumer Authorization and Limited Assignment Agreement dated XX/XX/year>. The complaint concerns Synchrony Banks continued failure to verify or substantiate the accuracy of the account # XXXXXXXX XXXX XXXX ( SYNCB/CARECR ) * * despite written disputes submitted on XX/XX/year>, and XX/XX/year>. Synchrony has continued to report and verify the account with XXXX  without providing any documentation or lawful evidence to support the reported information. This constitutes clear noncompliance with FCRA 1681s-2 ( b ), 1681i ( a ), and 1681n, as the bank failed to conduct a reasonable investigation and continues to furnish unverified and inaccurate data that harms the consumers credit profile. The complainant requests that the Consumer Financial Protection Bureau compel Synchrony Bank to immediately cease reporting the unverifiable tradeline, provide all supporting documentation used in its verification, and delete the account from all credit bureaus if verification can not be lawfully substantiated. If Synchrony fails to comply, the authorized representative reserves the right to escalate through legal action to seek damages and enforcement under the FCRA.

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 2025-11-03 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: MI

Complaint narrative:
Dear Sir or Madam : I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. Please block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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