vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my XXXX XXXX XXXX XXXX  credit card issued by Comenity Bank. 

I opened this account in XX/XX/year> and have maintained a perfect payment history. I have never been late on this account. 

Without advance notice, Comenity Bank reduced my credit limit from {$18000.00} to {$4600.00}. This drastic reduction immediately caused my account to exceed the new limit by {$1.00}, despite no change in my spending behavior. The over-limit condition was created solely by the banks action.

Compounding the issue, Comenity sent contradictory alerts for the same transaction. One alert referenced a chosen limit of {$1.00}, while another stated my account was at or over the credit limit of {$18000.00}. These alerts demonstrate that Comenitys internal systems were inconsistent and that the credit limit change was not properly executed.

I contacted Comenity customer service and spoke with a representative and a supervisor identified as XXXX. I requested restoration of my prior credit limit or, at minimum, a temporary adjustment to correct utilization and prevent credit harm. I was told that nothing could be done. During my call, the customer service representative stated that she did not see any record indicating a notification letter was mailed to me regarding the credit limit reduction. However, the supervisor stated that a letter had been mailed. This contradictory information further demonstrates that Comenity can not verify that proper notice was provided. 

As a result of Comenitys actions, my credit utilization was artificially inflated and my credit profile placed at risk due to a bank-initiated error. This situation was not caused by missed payments, increased spending, or any consumer behavior on my part.

I am requesting the following resolution : 1. Correction of any over-limit status caused by the credit limit reduction 2. Assurance that no negative or over-limit information is reported to any credit bureau 3. Restoration of my prior {$18000.00} credit limit, or a temporary or permanent adjustment sufficient to correct utilization for reporting purposes 4. Correction of internal account records to reflect accurate credit limit information This complaint is based on inaccurate and harmful credit reporting risk created by Comenity Banks actions. I am requesting prompt review and correction to prevent ongoing or future damage to my credit profile.

Thank you for your attention to this matter.

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
1. I got money orders of amount of total {$2800.00} from a person who purchased from the western union on XX/XX/year>, and I deposited into my XXXX XXXX XXXXXXXX checking account at the same day. 
2. On XX/XX/XXXX the amount of {$2800.00} got charged back from my XXXX XXXX XXXXXXXX checking account with the check return reason of " altered/fictitious ''. 
3. On XX/XX/XXXX I contacted the person who purchased the money order and checked the status of the money order, and the western union stated that these money orders were cashed on XX/XX/XXXX by XXXX XXXX XXXXXXXX. 
4. On XX/XX/XXXX I talked to XXXX XXXX XXXXXXXX and they said the money orders were rejected due to " altered/fictitious ''. 
5. Currently I lost {$2800.00} as neither western uion Nor XXXX XXXX XXXXXXXX admitted to hold the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: OK

Complaint narrative:
This is my third attempt to get this resolved with Sallie Mae. I have been turned over to collection for a debt that does not belong to me. They have violated the Fair Credit Report Act by allegedly pulling my credit without my permission and loaned money in my name without a loan application signed by me. This is creating issues with my personal credit report. I have requested proof of permission to pull my credit and a loan application signed by me. The refuse to do so and now expect me to deal with a collection company for a debt that does not belong to me nor should it have been turned over for collection. 

Sallie Mae is a large bank but they are not above the lending laws and protocol. They letter they provided is not worth the paper it is printed on without proof of this loan belonging to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NATIONWIDE ACCEPTANCE LLC
State: CA

Complaint narrative:
Team at Nationwide - XXXX We have been trying to resolve these errors that your company has made on the loan and your organization is not submitting any documentation to us showing any breakdown of credit adjustments made on the ledger. We have sent proof of continued insurance with no lapse in coverage from XXXX to XXXX. Again, in our previous email attached is the proof of continued insurance, the deductible is XXXX and Nationwide is listed as the lien holder on the insurance.

We need an updated ledger sent to us showing the credit of {$440.00} per the letter we received XX/XX/XXXX, for the PDI premium placed on the loan XX/XX/XXXX, and all daily interest credited back to the loan. In addition the add on PDI premium on XXXX/XXXX/XXXX needs to be credited back to the principle of the loan and and all daily interest that was over charged to the account since XX/XX/XXXX as well. The insurance is XXXX deductible and Nationwide has been and still is the lien holder on our insurance documents previously attached.

Please email us the spreadsheet immediately with the credits adjusted back to the principle of the loan for the PDI 's and the daily overcharge of interest dated back from XX/XX/XXXX so we can get this resolved. 

This has been in dispute since XX/XX/XXXX and we were working with XXXX XXXX who said she had put this account on a hold/freeze until this was corrected by your organization., as we believe the loan is paid in full once the credits for the PDI and daily interest gets credited back to the loan. Now we are told in XX/XX/XXXX by XXXX XXXX that XXXX is no longer with the company and that she is handling the account. 

Please acknowledge receipt of this email and send us proof of the adjustments that need to be made to the loan. We would like to get this resolved no later than XX/XX/XXXX the end of the week, this has been ongoing since XX/XX/XXXX and nothing has been completed on your end.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought windows from window-world with special promotion 0 % finance terms with Wells Fargo . I made all my monthly payments on time. I would check the monthly paper statement to see when the final payment was due so as to not have to pay all the back interest. Wells Fargo switched to paperless billing without my consent. They admitted they did not mail me a paper notice that they are switching over. They sent email but I'm not use to checking email for my bills. They did the switch XXXX XXXX automatically without my consent. I did not get paper statements after XXXX. I did not know to check my email. I thought the special terms date was in XXXX but it was in XXXX. If I had received my paper statement, I would have been reminded that payoff was due in XXXX and I would definitely had paid it. They failed to get my consent to switch over. When I speak on the phone, they said that either i clicked a link to consent or I logged into the website to consent to paperless but have failed to prove I did either and can't seem to tell me which one i did or tell me a timestamp of when i did it. I would expect their system should have an audit trail of this sort of thing. I've attached the bills below. You will see they added the interest charge in the XXXX bill. The timing of switching me over to paperless without my consent just prior to the term end date and not sending a paper statement really feels sneaky and like bad and unethical way of conducting business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
On or around XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX vehicle through XXXX, with the financing secured through its affiliate, Bridgecrest. The total amount financed was approximately XXXX, XXXXwith a monthly payment of {$520.00}. 

Unbeknownst to me at the time of purchase, the vehicle was subject to a critical federal safety recall, XXXX XXXX, for a known engine defect that could result in catastrophic failure. This pre-existing condition was not disclosed by XXXX or Bridgecrest at any point during or after the sale. 

On or around XX/XX/XXXX, the vehicle 's engine experienced a complete and catastrophic failure, directly aligning with the issue described in the undisclosed safety recall. The vehicle is now entirely inoperable and undrivable. 

On XX/XX/XXXX, I contacted Bridgecrest customer service to report the situation and seek a resolution. After explaining the circumstances, I was transferred to a manager. The manager 's response was wholly inadequate and unprofessional. 

During our conversation, the following occurred : The manager completely dismissed the relevance of the federal safety recall, refusing to acknowledge that the vehicle was sold with a known, dangerous defect. 
No viable solution was offered. Instead, the manager 's only suggestion was for me to " surrender the vehicle. '' This is not a solution, but a punitive action that would cause significant, long-term damage to my credit history. 
The manager explicitly stated that despite the vehicle being inoperable due to a pre-existing, undisclosed defect, I was still obligated to continue making my full monthly payments of [ Monthly payment amount ]. 
After offering no help and insisting I continue paying for a non-functional product, the manager concluded the call by asking, " Is there anything else I can do for you? '' In summary, I was sold a defective and unsafe vehicle. The financing company, Bridgecrest, is now demanding I continue to pay for it while refusing to acknowledge the undisclosed defect or offer any resolution other than one that would ruin my credit. I have made payments totaling roughly {$2500.00} for a product that was fundamentally flawed from the moment of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I contacted XXXX  on my XXXX  account XX/XX/year> regarding a late rental payment i have never lived there i asked them to provide me proof of lease agreement and they hung up in my face told me i was going to jail was very rude

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Original Creditor Experian The debt collector verified this account with Experian but has never provided me with documentation proving legal ownership or my liability. 
This constitutes inaccurate credit reporting and a failure to properly validate under the FCRA and FDCPA. 
I am requesting deletion of this account.

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 2025-12-30 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: VA

Complaint narrative:
I disputed multiple inaccurate and incomplete credit report items with Experian. Experian responded by marking the accounts as verified or updated and claims it conducted reinvestigations. 

However, Experians actions demonstrate willful and/or negligent violations of the Fair Credit Reporting Act ( FCRA ). The reinvestigations performed were sham, perfunctory, and automated, rather than the reasonable, good-faith investigations required by law. 

Although Experian asserts that verification occurred, the materials provided consist only of generic summaries and boilerplate language. Experian has failed to demonstrate that it conducted an independent investigation or meaningfully reviewed account-level documentation. Experian did not show that it reviewed : Original signed contracts or agreements Complete account-level payment histories Charge-off or delinquency calculations Ownership or assignment documentation for collection accounts Evidence addressing the specific inaccuracies raised in my disputes Instead, Experian appears to rely primarily on automated XXXX responses and furnisher self-certifications, a practice that courts have repeatedly held does not satisfy the FCRA when a consumer raises substantive disputes.

Experian is currently subject to litigation and regulatory scrutiny for the use of sham reinvestigation procedures, and my experience reflects the same systemic misconduct. Despite multiple disputes and the submission of supporting evidence, Experian continued to close disputes as verified without correcting inaccuracies or explaining the investigative steps taken.

This conduct violates FCRA 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to follow reasonable procedures to ensure maximum possible accuracy ).

As a result of Experians repeated failures, inaccurate and damaging information continues to be reported on my credit file, despite Experian having multiple opportunities to correct or delete it.

I have attached documentation demonstrating a pattern of repeated disputes, identical verification language, lack of account-level evidence, and Experians failure to disclose its actual method of verification.

ACCOUNTS AFFECTED ( SUMMARY ) Experian continues to report disputed negative information involving, including but not limited to : XXXX XXXX XXXX ( collection ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX  ( multiple accounts ) XXXX XXXX XXXX  ( multiple accounts ) XXXX  XXXX  ( multiple accounts ) XXXX / XXXX  XXXX  XXXX  XXXX ( multiple accounts ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( auto loan late payments ) XXXX  XXXX ( FHA mortgage late payments )

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 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App has issued a final response and closed my support case while continuing to withhold my funds. They refuse to accept my municipal ID for verification and also refuse to provide closure disbursement by check or ACH. No criminal forfeiture, court order, or unlawful funds have been cited. My funds are being withheld indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Complaint Regarding Improper Debt Collection Sunrise Credit Services I am filing this complaint regarding an illegitimate debt that is currently being collected against me.

The alleged debt was placed with Sunrise Credit Services , Inc. under Sunrise Account Number XXXX. This debt relates to wireless devices that were returned within the required timeframe using a prepaid XXXX return label provided by the carrier.

I have proof of return, including the XXXX tracking number XXXX and email confirmation that the return label was issued. I also have written communications and chat records from XXXX XXXX XXXX customer support confirming that the devices were returned on time, that the account was under review, and that I was told I was good with the returns.

Despite this, the account was improperly sent to collections. Sunrise Credit Services has attempted to collect this debt without providing legitimate proof. When I requested validation of the debt by phone, the representative failed to provide documentation and terminated the call.

On XX/XX/year>, I formally submitted a written Debt Validation Request to Sunrise Credit Services under the Fair Debt Collection Practices Act ( FDCPA ), requesting proof that this debt is valid and that I am legally obligated to pay it.

This situation has resulted in ongoing harassment and concern regarding inaccurate and improper debt collection.

I am requesting the following resolution : 1. Full written validation of the alleged debt.

2. Immediate cessation of all collection activity unless proper validation is provided.

3. Correction or removal of any inaccurate reporting to credit bureaus.

4. Written confirmation that this account has been resolved.

I am attaching documentation supporting my claim.

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I moved from XXXX to XXXX and I need to renew my registration, the state of XXXX  has sent multiple letters to my lien holder to send the title to XXXX over the course of one year, they never responded. I have sent them a fax of the letter and they have yet to send to the title. I can not renew my registration because of this.

Company response to consumer: Closed with explanation