vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against American Express ( Amex ) regarding an unannounced credit limit reduction on my account, which occurred between XXXX and XXXX, and the severe financial hardship it caused, including the closure of my business and a seven-year credit recovery period still ongoing. 
Details of the Issue : Sometime between XXXX and XXXX, Amex significantly reduced the credit limit on my account without providing any prior notice. This action increased my credit utilization ratio significantly, which led to a substantial drop in my credit score. As a result, other credit card issuers also lowered my credit limits, leaving me with virtually no available credit. This cascade effect severely restricted my financial options, forcing me to stop payments on multiple credit cards, including the Amex account with an outstanding balance of {$2500.00}, to preserve cash for my business operations. 
At the time, I was running a small business with a detailed financial plan and budget. The sudden and unnotified credit limit reduction disrupted my cash flow, shortened my businesss profitability runway, and ultimately contributed to its closure. The lack of notice from Amex prevented me from taking proactive steps to mitigate the impact, such as adjusting my spending or seeking alternative financing. The resulting credit score decline and credit crunch caused financial harm that took XXXX years to recover from, during which I worked diligently to rebuild my credit and financial stability.

Amexs Actions : I believe Amexs unannounced credit limit reduction was unfair and lacked transparency. While I understand issuers may adjust limits based on risk, the absence of any communication or opportunity to address the issue exacerbated the financial damage across my entire credit profile. Amexs cardholder agreement may permit such actions, but the lack of notice left me unable to protect my credit or business. Furthermore, I have requested debt forgiveness for the {$2500.00} balance and removal from any internal restrictions ( e.g., blacklist ) to apply for a new Amex card, but I am concerned about their response given the significant harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I received a copy of my credit report and notice fraudulent accounts in my reports. Please investigate and delete these accounts 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 2025-08-06 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXXXXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX AUTO Date : XXXXXXXX XXXX XXXX Date : 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
Transunion has failed to fulfill legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Transunion alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. these failures align with my experience 's where Transunion has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as Transuinion in action, violates federal law and my rights as a consumer. This account with XXXX XXXX is being handled by the Office of Civil Rights in XXXX XXXX with attorney XXXX XXXX this is regarding the loan for XXXX XXXX XXXX XXXX which involves XXXX discrimination.

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 2025-08-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Transunion has failed to fulfill legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Transunion alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. these failures align with my experience 's where Transunion has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as Transuinion in action, violates federal law and my rights as a consumer. This account with XXXX XXXX is being handled by the Office of Civil Rights in XXXX XXXX with attorney XXXX XXXX this is regarding the loan for XXXX XXXX XXXX XXXX which involves XXXX discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Since the start of the loan I always pay additional principal. Loan was taken out end of XX/XX/year>. Payments were sent each time with additional principal payments. 
Lies Ive been told : You cant pay additional principle. 
Check the box on the payment voucher. It will be subtracted from the principle. 

Their service is miserable : cant speak and or understand XXXX cant add or subtract have zero understanding of how interest works The above are part of their scam to double charge interest on priniciple and holding over additional principle monies. 
I have spent well over XXXX hours on hold with these criminals and filed complaints with the XXXX They lie and say they will correct it. However every payment I have made. Is held over and the charge interest on the principle balance that does not include my additional principle payments. 
When I demand proof in writing. Im told its nor their policy.

This is a scam. If they are doing this to me. They are doing it to everyone.

Close this bank down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Transform Credit Inc.
State: IL

Complaint narrative:
I have a loan with transform credit -it was originally a loan for {$6700.00} with an interest rate of 35.99 %.

The company claims this is what they are charging.

However after two years of paying, and now reviewing the bill statements- I believe my interest rate is exceeding per month sometimes at 39 %.

I do believe this exceeds Illinois interest rate cap laws and would like some help confirming if in fact this company has been over charging me on interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DAY XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I am requesting an immediate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I am requesting an immediate

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion, requesting verification and documentation for multiple inaccurate and unverified accounts on my consumer report. I also requested full documentation under 15 U.S.C. 1681g and validation of considerationi.e., proof of value givenregarding the alleged debts. 

I followed up with a formal CFPB complaint on XX/XX/year> ( Ref # : XXXX ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion was legally obligated to complete a reinvestigation within 30 days of receipt. However, they did not respond until XX/XX/year>, exceeding the legal limit, and violating the Fair Credit Reporting Act. 

Despite the delay, the response from TransUnion was generic and failed to satisfy their legal obligations. They failed to : Provide method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) Identify the source of information under 1681g ( a ) ( 2 ) Produce any signed contracts, account ledgers, or proof of value Delete any accounts they could not verify with documentation The following disputed accounts remain on my file without proper verification : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX TransUnion has caused me denial of credit, loss of opportunity, and emotional and financial harm. These actions constitute willful and negligent noncompliance with 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 non-monetary relief
Consumer complaint received 2025-08-06 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: CL Holdings LLC
State: FL

Complaint narrative:
I am formally filing a complaint with XXXX XXXX XXXX regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with XXXX, specifically XXXX XXXX, Section XXXX, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My identity was stolen and use to my disadvantage I am asking that XXXX  please fully examine my complaint. This is super unfair to have my credit used in such way without any consent being given to the creditor.

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 2025-08-06 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: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after any reinvestigation, an item is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item from the file of the consumer. 

Please remove the following item from my credit report immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 



Account Details : Creditor Name : XXXXXXXX XXXX XXXXXXXX  XXXX : {$130.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Open Remarks : Placed for collection Responsibility : Individual Original Creditor Name : XXXXXXXX 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 2025-08-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00}

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 2025-08-06 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: TX

Complaint narrative:
I received a copy of my credit report and notice fraudulent accounts in my reports. Please investigate and delete these accounts 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 non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I received a copy of my credit report and notice fraudulent accounts in my reports. Please investigate and delete these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

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.

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 XXXX 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 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