vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been making consistent, on-time payments on my Citibank credit card, and yet Citibank has repeatedly reduced my credit limit without warning or valid explanation. Most recently, after I made a {$350.00} payment, my limit was decreased by {$180.00} from {$2300.00} to {$2200.00}. This has happened approximately six or seven times in the past year, and its becoming clear that each time I pay down the balance, they reduce the limit. 

I am not using this card to make new purchases, I am simply paying it off. Despite this, Citibank continues lowering the limit, keeping my utilization ratio high and harming my credit score. When Ive contacted them, theyve only responded by saying its within their discretion and refused to give any meaningful justification. 

This feels like a deliberate tactic to trap me in a high-utilization cycle, which is unfair and damaging to my credit despite my responsible payment behavior. I am requesting a formal review of this practice, a written explanation, and assurance that the credit terms will remain stable as I pay down the balance.

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 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am being harassed by a debt collector ( Aldous & Associates ) attempting to collect an invalid balance from XXXX XXXX. 

I tried to cancel my membership several times over the phone two months before the end of the membership, the membership was paid in full at this time. for both myself and my son ( whom was a XXXX  during the entire length of the membership ). XXXX XXXX employees and Management insisted that I had to be in person to cancel the membership. I informed them that due to my current health circumstances I was unable to be there in person. XXXX XXXX then told me that I could not cancel unless I was in person. I again informed them it was impossible if we would do anything to verify my information, could I mail them a letter anything and they refused to offer any other options without me revealing my medical condition and wanted me to violate my HIPPA rights and told me NO. 
No further services were used from the time of the first phone call. They also refuse to provide validation of the debt or respond to my written emails. 

I also asked if this debt was reported under my son 's name. He was a XXXX  for the entire membership and legally can not be held liable. They have not answered and continue collection attempts. 

I want this account deleted from my credit file and any records involving my son erased. They are violating my rights under the FDCPA and FCRA. 

Please investigate and assist in removing this from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
dispute inaccurate and damaging information currently being reported on my Experian credit file. These items include two unauthorized hard inquiries by XXXX XXXX and three inaccurately reported late payments from XXXX. 
Summary of Disputed Items : XXXX. XXXX XXXX Unauthorized Hard Inquiries and Inaccurate Late Payments On XX/XX/XXXX, a hard inquiry by XXXX XXXX appeared on my credit report without my authorization. This caused an immediate and unjustified drop in my credit score from XXXX to XXXX. 

XXXX has also reported eight late payments related to a business credit account. These reports are inaccurate. This account was opened under a business entity, and I maintained ongoing communication with XXXX representatives regarding hardship accommodations during a financial downturn. 

I have a 25-year history of on-time payments, and this reporting fails to reflect fair and accurate credit behavior, especially during challenging business circumstances.

XXXX. XXXX Inaccurately Reported Late Payments XX/XX/XXXXXXXX  Late Payment : I made two payments that monthon XX/XX/XXXX and XXXX XXXXclearly demonstrating my intent to pay on time. The late mark is inaccurate. 

XX/XX/XXXX Late Payment : This reflects a {$30.00} interest charge and {$41.00} late fee on a month with no purchases. After contacting XXXX and paying, the late mark was unjustified. 

XX/XX/XXXXXXXX  Late Payment : There is no record or valid documentation of any delinquency or balance during this period. This entry is unsubstantiated and unverifiable.

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 2025-07-06 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: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : 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 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 2025-07-06 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: SD

Complaint narrative:
XXXX I have a online western union account over 10 years now? I have been sending money to my XXXX friends for 13 years now. NO problems, Now after they got stupid over {$41.00} I had to payback to unblock my account? NOW some XXXX  and totally ( unsecured ) questionnaire XXXX  questions that are impossible to answer about XXXX receivers/ How stupid is that? WHY would I or anybody trust them with my drivers license bank account deposits and make XXXX XXXX XXXX XXXX XXXX and their haphazard handling of it???? After there malignant block and resetting my account there XXXX website froze, kept logging me out as if they have malware issues? I made XXXX XXXX dollar money transfers to my friends in the XXXX? After that they harassed me with this insulting and UNSECURED questionnaire XXXX questions and demanding way more information than is legally required? actually violating my privacy rights??? Then there going to sit on there XXXX and do what for 3 days? Stare at my license, find ways to steal my bank account information? What exactly????? MY identity has been stolen at least 3 times, these clumsy  XXXX companies they dont give XXXX XXXX about personal security. MY information has been breached 10 times from imbeciles to cheap to buy or use proper XXXX bit encryption, and proper hiding of personal information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXXXX/XX/XXXX -- {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$8500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$1000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
I don't recall it's been so long ago I didn't know about this website until recently speaking to a financial advisor to prepare to buy a home and he stated this was the best option since the credit bureaus dispute doesn't work and going to the actually creditor is a dead end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 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 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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
They are reporting my account as charged off but yet havent sent me 1099c. A lot if the charges in they account are mostly fees. The dates are inaccurate across all bureaus. The inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because : Your income after considering the minimum payment required on Apple Card is too low

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian : ( Personal Information File ) Failed to delete outdated addresses and incorrect name spellings after dispute. 



Equifax : ( Personal Information File ) Continues reporting misspelled names and outdated addresses despite formal request. 



TransUnion : ( Personal Information File ) Personal Information File Has not corrected personal info errors including old addresses and name misspellings.

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because all three major credit bureaus Equifax, XXXX, and XXXX  are reporting a fraudulent collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) that was opened in my name without my knowledge or consent. 

I am a confirmed victim of identity theft and a documented victim of the Equifax data breach. I have submitted to all three bureaus : An FTC Identity Theft Report A completed and signed IRS Form 14039 ( Identity Theft Affidavit ) A copy of my government-issued ID A utility bill/proof of address Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and delete identity theft-related accounts within four ( 4 ) business days of receiving proper documentation. That has not been done. 

Additionally, this continued reporting violates : FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 duties of furnishers to investigate and correct FCRA 1681b lack of permissible purpose to report fraudulent tradelines The account is causing harm to my credit and finances, and I am requesting the CFPB take immediate action to enforce deletion of this account from all three credit reports and ensure full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am victim of the credit bureau security breach. A negative a XXXX XXXX appeared on my account. 

Please delete this account under XXXX and also 15US CODE 166B 15US CODE 1681B

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 2025-07-06 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation