vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: IN

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint regarding a Discover credit card account that was fraudulently opened in my name while I was incarcerated. I discovered this account after checking my credit report and found that it had been opened and later closed without my knowledge or authorization. I was in XXXX  at the time this account was opened and could not have legally or physically applied for any credit. 

I have submitted identity theft documentation to both Discover and the credit bureaus ( XXXX, XXXX, and XXXX  ), including official proof of my incarceration during the time this account was active. Despite my efforts and the clear documentation provided, this account has not been removed from my credit report. 

This has caused damage to my credit, and it is highly distressing to have a fraudulent account remain on my report even after providing legal evidence of identity theft. I am seeking immediate removal of this account from all credit reports and a correction of any negative impact it has caused to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Late Payment Reporting Account XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report maintained by Experian. Upon recently reviewing my credit report, I noticed that an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This information is incorrect. The payment in question was made on time and should not be reported as late. As a consumer, I have the right to expect that the information on my credit report is reported with complete accuracy, as required by the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that Experian initiate an investigation into this matter with the furnisher of the information and correct the payment status for the reported month. Please update the payment history for this account to accurately reflect an on-time payment for XX/XX/scrub>XXXX XXXX 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Late Payment Reporting Account XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report maintained by Experian. Upon recently reviewing my credit report, I noticed that an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This information is incorrect. The payment in question was made on time and should not be reported as late. As a consumer, I have the right to expect that the information on my credit report is reported with complete accuracy, as required by the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that Experian initiate an investigation into this matter with the furnisher of the information and correct the payment status for the reported month. Please update the payment history for this account to accurately reflect an on-time payment for XX/XX/scrub>XXXX XXXX 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
RE : Fraudulent Account Reporting Request for Deletion and 1099-C Confirmation Dear American Express Disputes Department , I am writing to dispute the inaccurate and fraudulent reporting of a closed American Express credit card account that appears on my credit report. I did not open or authorize this account, and I am formally requesting its immediate removal.

The account is listed as closed, with remarks indicating a profit and loss write-off, account information disputed by consumer, and account closed by credit grantor. However, it also shows no payment history, which further proves that the account is not mine and that the information being reported is factually incorrect. Regardless of any alleged usage, this account does not belong to me.

I am a documented victim of identity theft and was affected by the TransUnion data breach, which has resulted in multiple fraudulent accounts appearing on my credit report. American Express has not provided valid documentation or verification linking me to this account. Additionally, your third-party collection agency, XXXX XXXX XXXX XXXX has not issued or submitted a 1099-C form to confirm any cancellation of debt nor have I received one.

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following : 1. Immediate deletion of this fraudulent and inaccurately reported account from all credit bureaus.

2. Written confirmation of whether a 1099-C was ever issued in relation to this account.

3. Cessation of all collection or reporting activity related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Closed my lowes account because accounts with other different banks were high but were in good standing ( doesnt affect them ) and I have no real estate or secured loans. So basically to bank with synchrony i have to own a house and have secured loans taken out? Sound like a reciepe for a financial disaster but they dont care because oh if you make sure they are payed off they will also close your account for too low revolving usage like they did to my care credit. I have always payed my bill with them on time without issue but because I choose to use cards with a lower interest over there XXXX percent and not own a home they want to penalize me and damage my credit?

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 2025-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I have not been able to get anyone on the phone and you have not responded to my email requesting account change, I am unable to do a password reset. 

Also, your claiming that XXXX XXXX XXXX  MULTIPLE submission on my credit report to be accurate? How so, cause they said so? They've loaded multiple contracts with different numbers and my signature. They are charging me what they pre-approved me for which was before I selected a XXXX  car. 

Why aren't you advocating for the consumer you relies on your accurate and just reporting??? Also, they reported repo, however I have my car! 

Please contact me and provide support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-22 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: AZ

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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
amont XXXX, they told me they are no longer reporting to my credit do to the fact the company has sold the debt. ask to be removed from credit because i did not get a 1099-c and nobody is willing to provide me with anything or know information ask can i payment to remove the late payment remark, they state giving they fact the company is not longer reporting the debt

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 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Complaint Against Barclays : Unfair and Deceptive Credit Practices ( Balance Chasing ) I am filing this complaint against Barclays for engaging in unfair and deceptive credit practices, specifically a practice known as balance chasing. Each time I made a substantial payment toward my balance, Barclays responded by significantly reducing my credit limit. This has directly undermined my efforts to improve my credit, negatively impacted my credit profile, and may have affected my interest accrual. 

Timeline of Actions Taken by Barclays : XX/XX/XXXX : Credit limit reduced from {$7100.00} to {$3600.00} after payments of {$3300.00} ( XX/XX/XXXX ) and {$200.00} ( XX/XX/XXXX ). Reason given : delinquency and utilization. 
XX/XX/XXXX : Credit limit reduced from {$3600.00} to {$3500.00} after a payment of {$230.00} on XX/XX/XXXX. Reason given : late payment. 
XX/XX/XXXX : Credit limit reduced from {$3500.00} to {$500.00} after a payment of {$2700.00} on XX/XX/XXXX. Reason given : new delinquency ( {$160.00} ) and utilization At no point was my account overlimit, and these reductions were retaliatory despite my consistent efforts to pay down the balance. Lowering my credit limit immediately after making significant payments creates a misleading appearance of high utilization, which directly harms my credit score. 

I attempted to resolve these issues with Barclays, but I was repeatedly passed between Barclays and XXXX XXXX XXXX. Representatives stalled, refused to escalate my concerns, and the call was disconnected before I could speak to a manager. Additionally, I was asked intrusive questions about my employment history, which were unrelated to the issue at hand and felt unnecessary. 

These actions feel punitive, predatory, and retaliatory against responsible customers who are actively working to improve their credit. I am requesting a thorough investigation into these practices and the immediate reversal of these unjustified credit limit reductions.

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 2025-04-22 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: NV

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 2025-04-22 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: NV

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 non-monetary relief
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquires, collections/charge-off accounts on my credit report. Please see dispute letter below. 

Your Address City, State, Zip Code Email Address Phone Number Date To Whom It May Concern : I am writing to dispute the following information on my credit report. The item I am disputing is inaccurate and/or incomplete, and I am requesting that it be investigated and removed or corrected as soon as possible. 

Disputed Item Information : Creditor Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Issue : [ Briefly explain the inaccuracy e.g., This account was paid in full, This is not my account, or The amount is incorrect. ] According to the Fair Credit Reporting Act, I have the right to dispute any information I believe is incorrect. I am requesting that this item be investigated and either verified or removed from my credit report. 

Enclosures ( if applicable ) : [ Proof of payment, statement, correspondence, or any supporting documents ] Please complete this investigation within the required XXXX period and send me written confirmation of the outcome. If you are unable to verify the accuracy of the item, please delete it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Follow-Up to CFPB Complaint # XXXX Wells Fargo Reporting Discharged Account as Charged-Off with Balance This is a follow-up to my complaint regarding post-bankruptcy credit reporting by Wells Fargo. 

Wells Fargo acknowledged that they are not attempting to collect due to my bankruptcy. My XXXX credit report ( dated XX/XX/XXXX ) confirms both Wells Fargo accounts are marked XXXX thru XXXX XXXX XXXX reflecting proper discharge recognition. 

However, my XXXX credit report ( dated XX/XX/XXXX ) shows that Wells Fargo is still reporting XXXX of the accounts ( ending in XXXX ) as : A charge-off With an unpaid balance of {$1900.00} With no bankruptcy or discharge remarks The remark currently states only : >UNPAID BALANCE CHARGED XXXX and CLOSED BY CREDIT GRANTOR.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) : Reporting incomplete or misleading tradelines 623 ( a ) ( 2 ) : Failure to update tradeline after bankruptcy discharge Additionally, reporting a post-discharge charged-off balance without noting the bankruptcy may also violate the bankruptcy discharge injunction under 11 U.S.C. 524 by misleading lenders and suppressing credit rebuilding.

I am requesting the CFPB require Wells Fargo to : Immediately correct or delete the tradeline on XXXX Ensure all bureaus reflect consistent bankruptcy discharge status Provide confirmation in writing that no further collection or reporting will occur related to these discharged accounts

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