vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up complaint regarding my XXXX XXXX Preferred XXXX ( Case # XXXX ) to address additional critical details and unresolved concerns. 

On XX/XX/2025, I made a substantial payment of approximately {$7000.00} toward my card balance. This payment is confirmed on my official XXXX statement. 

Despite this responsible payment, on XX/XX/2025, XXXX drastically lowered my credit limit from approximately {$7900.00} to {$970.00}, just XXXX days after my payment posted. This sudden and significant credit limit reduction artificially inflated my credit utilization rate to nearly 98 %, misrepresenting my credit behavior and causing unfair harm to my credit profile. 

Before filing my initial complaint, I did not see any letters or notifications about these credit limit reductions in my online XXXX account portal. These letters only appeared after I filed my complaint with the CFPB. I was not notified in advance about this drastic reduction, nor did I receive any communication explaining the timing or rationale behind this decision before the limit being lowered. 

I see this letter in my account now, but it was dated XXXX days after a substantial payment was posted, according to my XXXX statement, it clearly says my payment was made online on XX/XX/2025. I had no prior notice that such a drastic credit limit reduction was imminent. This timing resulted in inaccurate and misleading credit utilization reporting that does not reflect my responsible payment history. It is unfair to penalize me for not reading a notice that arrived after the impactful action was taken. 

XXXX actions have effectively negated the positive impact of my payment and have caused damage to my creditworthiness through misleading credit reporting practices. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and assist me in ensuring that XXXX : Corrects any adverse credit reporting tied solely to this post-payment credit limit reduction, Provides transparency regarding their credit limit adjustment practices, and Recognizes the negative impact this has had on my credit profile despite my responsible payment history. 

Thank you for your assistance.

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 2025-08-01 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: TN

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) and several associated dealerships for conducting multiple unauthorized hard credit inquiries on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My credit report shows a total of eight hard inquiries from XXXX XXXX, as well as five additional hard inquiries from the following entities : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These inquiries occurred on multiple dates throughout XXXX, XXXX, and XXXX, with several of them submitted on the same day. I did not provide authorization for these dealerships or finance companies to pull my credit multiple times. These unauthorized inquiries have had a direct and harmful effect on my credit standing. As a result, I have been denied an auto loan, and my credit reports with XXXX XXXX XXXX XXXX have remained negatively impacted and inaccessible for over two years. This situation has made it extremely difficult for me to move forward with necessary financial decisions. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. I am asking for the removal of all unauthorized hard inquiries made by XXXX XXXX and the listed dealerships from my credit reports. I also request a written explanation from XXXX XXXX and the affiliated dealerships regarding why these inquiries were made and proof of any authorization, which I maintain was never provided. I am willing to provide credit report copies and any supporting documentation required to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XX/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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Staring XXXX 2025 I called equifax to see why i have a " Report Blocked for Promotional Purposes '' causing issues for when trying to run my credit. 
i contacted equifax multiple times- i have time frames/dates all in my records. 
i had 3 agents tell me i am good to go and it is still blocked. they send a verfication link but it does not work. they ask verification questions i give the correct answers yet it is still blocked from this agent XXXX but all other agents got through with the same answers. 

i just called again XX/XX/XXXX the " manager '' XXXX was very rude and agent XXXX had not much knowledge.. 

equifax has not updated my credit report since XX/XX/year> which is now affecting my credit score and life. i have been trying to get an autoloan for 2 months now - making me lose money due to work transportation issues. 
i have moved from XXXX XXXX XXXX addresses have been changed in all burreaus minus equifax because again they have not updated my reports .. and the agents/managers do not help. 

i have sent in letters and documentations TWICE to address equifax information services LLC XXXX XXXX XXXX XXXX GA XXXX verifing NAME ADDRESS ( NEW AND OLD ) DOB SOCIAL SECURITY PROOF OF ADDRESS/MAIL DRIVERS LICENSE & paid for next day air. 

STILL NOTHING HAS BEEN DONE. 

Cover letter stated : Lender can not access my credit report please remove hold. 


but yet they say they recieved nothing. 

i put in disputes they say they are completed but i do not believe they did anything to actually investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing ongoing hardship and negatively impacting my life during an already difficult time.

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 2025-08-01 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 requesting the immediate and permanent deletion of the following fraudulent inquiries and account from my credit file : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent Account : XXXX. XXXX Account Number : XXXX In accordance with 15 USC 1681c2 , the credit bureau is legally required to block all fraudulent information within 4 business days of receiving a valid identity theft report, which I already provided along with : FTC Identity Theft Report Copy of my government-issued ID Proof of address Copy of my Social Security card I am also requesting : A corrected copy of my credit report showing the deletions A written confirmation that this dispute has been resolved in accordance with FCRA guidelines If this matter is not resolved, I will escalate to the FTC, State Attorney Generals Office , and consider legal action under FCRA 616 for non-compliance and damages.

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 2025-08-01 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. 
As you are aware, Equifax experienced a significant data breach in XXXX, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes. 
I have already submitted disputes regarding these inaccuracies, yet they remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes in a timely manner and correct any inaccuracies. The continued reporting of incorrect information, in light of the data breach, raises concerns about the accuracy and integrity of my credit report. 
I respectfully request that you : Immediately investigate these disputed items. Please conduct a thorough investigation of the accuracy of the information and correct any inaccuracies within the statutory XXXX period. 
Provide an update or resolution. Notify me of your findings and the actions taken to correct the inaccuracies. 
Remove any unverifiable or incorrect information. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report entirely. 
Additionally, please send me a written confirmation once the necessary corrections have been made, including an updated copy of my credit report reflecting the changes. 
I trust that you will act swiftly and in compliance with all applicable laws and regulations to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I booked a hotel stay at XXXX XXXXXXXX XXXX XXXX XXXX through Capital One XXXX using my XXXX XXXX XXXXXXXX ending in XXXX. The reservation was fully prepaid in XXXX XXXX. When I checked in on XX/XX/year>, I gave the hotel my Capital One Spark Visa card ending in XXXX to pay {$130.00} in local taxes, which I agreed to. 

After that, the hotel charged my Spark Visa three more times once on XX/XX/XXXX for {$1200.00}, and twice on XX/XX/XXXX for {$1200.00} each. These charges were not authorized and should not have happened because the stay was already fully paid. 

I filed disputes with Capital One for all three unauthorized charges. XXXX of the cases ( case numbers XXXX and XXXX ) were approved and refunded. But the third charge ( case number XXXX for {$1200.00} on XX/XX/XXXX ) was denied. 

The hotel admitted in writing that the charges were a mistake and said they reversed them, but I never received the refund for the charge that was denied. 

Since XXXX, I have spent hours on the phone with Capital One often on hold for XXXX to XXXX hours per call. Every time I called, I had to re-explain the situation because there was no single person assigned to the case. I also provided the same documentation for all three disputes, but was told it was received for XXXX case and not the others. 

When I appealed the denied dispute, the supervisor I spoke with ( named Faith ) told me that the hotel provided invoices, but she would not share them with me, even after I asked. She also said my proof of the original prepaid reservation wasnt enough, even though it was all I was given when I booked through Capital One XXXX. She refused to let me speak with her supervisor and said only that she would make a note, but couldnt say if or when anyone would follow up. 

This process has been confusing, frustrating, and unfair. I am asking for a full refund of {$1200.00}, and for Capital One to review how my case was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-01 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: TN

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-01 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-01 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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, where Experian 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 or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation