vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received two ( 2 ) American Express gift cards in the amount of $ XXXX. 

XXXX : XXXX XXXX : XXXX Total of {$200.00} in value. I have tried using my gift card to make purchases online but the card has been declined multiple times. I have tried calling the number on the back of the gift card but has not been successful in getting a person through the automated system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" XXXX XXXX  XXXX XXXX XXXX XXXX account # XXXX as charged off on my credit report with a balance of {$0.00} and a high balance of {$2800.00}. This account was closed on XX/XX/year> and appears to have been transferred to XXXX XXXX XXXX. 
I dispute the validity of this charge-off for the following reasons : XXXX XXXX  XXXX XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX XXXX XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. XXXX XXXX XXXX XXXX failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX XXXX XXXX has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement and the FCBA. 
Under the Doctrine of Accord and Satisfaction, if XXXX XXXX XXXX has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
XXXX XXXX XXXX allowed charges over the credit limit ( {$340.00} over the {$2500.00} limit ) then charged off the account, which violates Regulation Z of the Truth in Lending Act. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" XXXX XXXX  XXXX XXXX XXXX XXXX account # XXXX as charged off on my credit report with a balance of {$0.00} and a high balance of {$2800.00}. This account was closed on XX/XX/year> and appears to have been transferred to XXXX XXXX XXXX. 
I dispute the validity of this charge-off for the following reasons : XXXX XXXX  XXXX XXXX failed to issue me a 1099-C Cancellation of Debt form for this alleged charge-off, which is required by the IRS when a creditor discharges a debt of {$600.00} or more. This indicates the debt was either not actually charged off, or XXXX XXXX XXXX violated IRS regulations. 
Section 6050P of the Internal Revenue Code requires that financial institutions report discharged debts to both the debtor and the IRS. FB & T 's failure to provide this mandatory tax form demonstrates non-compliance with federal tax laws. 
XXXX XXXX XXXX has improperly sold or transferred this account without my permission, which violates the terms of the original cardholder agreement and the FCBA. 
Under the Doctrine of Accord and Satisfaction, if XXXX XXXX XXXX has claimed a tax benefit by writing off this debt, they can not simultaneously claim I still owe it or damage my credit by reporting it negatively. 
XXXX XXXX XXXX allowed charges over the credit limit ( {$340.00} over the {$2500.00} limit ) then charged off the account, which violates Regulation Z of the Truth in Lending Act. 

I previously disputed this account, and the creditor failed to conduct a reasonable investigation as required by the FCRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
I have Disputed negative items on my credit report with Experian, for the last year. There are so many accounts that are inaccurate with balance or dates. Some dating back to XXXX. These accounts are not being investigated. They are coming back updated and it has dropped my credit score over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
I have Disputed negative items on my credit report with Experian, for the last year. There are so many accounts that are inaccurate with balance or dates. Some dating back to XXXX. These accounts are not being investigated. They are coming back updated and it has dropped my credit score over XXXX points.

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 2025-03-30 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: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX debt owed Debt belongs to a business not mines XXXX XXXX XXXX XXXX debt Debt is older the XXXX XXXX XXXX XXXX debt Settle in court case thrown out dismissed Just a few examples Multiple inaccurate accounts wrong names addresses. Accounts that aren't mine inaccurate credit score. Inaccurate accounts.

I will include additional information in documents section.

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 2025-03-30 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
My name is showing XXXX XXXX on my credit report Ive never been married my name is 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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I want to file a complaint I file a report about a atm withdrawal that happen to my account & chime givi by me a hard time get my funds back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
student loans will not report i am up to date on all loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 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 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 2025-03-30 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: MD

Complaint narrative:
XXXX stated reporting on my Credit report in XX/XX/year>2024. I dont know how because I never went to college to need financial aid. Please remove this immediately

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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding financial hardship and account mismanagement by Citibank, which has resulted in rising minimum payments and unjustified credit limit reductions across XXXX of my credit card accounts : the XXXX XXXX XXXX XXXX by Citi and the Citi XXXX Card. 

The specific example I am referencing in this complaint relates to my XXXX Citi card. I reviewed my records and confirmed that my credit limit was {$5500.00} through XX/XX/scrub> 2024. In XX/XX/year>2024, Citibank reduced it to $ XXXX {$700.00} dropwithout any recorded late payments or fees on my account. There was no warning, explanation, or justification for this reduction. 

Then, in XX/XX/year>2024, I made a {$1000.00} payment using personal savings I had specifically set aside for an upcoming trip. My goal was to pay down my balance and free up space on the card to use during that time. Instead of providing flexibility, Citibank reduced my limit againdown to {$4000.00}, and at one point I saw it as low as {$3500.00}. 

This unexpected credit limit reduction erased the available credit I had just created, left me unable to use the card as planned, and increased my utilization rate. The payment was not made with disposable incomeit was a meaningful sacrifice. As a result, my minimum payments have risen to nearly {$200.00} per card, which has created significant financial hardship. 

I want to clarify that a similar experience occurred with my Citi XXXX  card, where I saw increased minimum payments and an overall pattern of reduced credit availability during a time when I was making good faith efforts to pay down balances and stay current. This pattern across both accounts has made my financial situation more difficult, not easier, despite my consistent effort to manage responsibly. 

I respectfully request that Citibank : Review and explain the timing and cause of the credit limit reductions Restore a reasonable credit limit based on my history Offer hardship support or a payment reduction plan to help manage the increasing minimum payments Acknowledge the negative impact of these actions on my financial and personal well-being Thank you for your assistance in reviewing this complaint.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
This account and all were unauthorized charges Fraud and was not dealt with by XXXX XXXX XXXX  on line bank Debt buyer sent to court and then still attempted to try and still collect CFS PRIME INVESTMENTS LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't know how this happened but apparently Experian, Equifax and possibly TransUnion info was disputed and what they did is the Credit Reporting Agencies now removed my ability to get my credit score and labeled account holder as " DECEASED ''. I am very much alive and they are injuring me and my credit by falsely reporting this.

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 2025-03-30 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/year>2025 To Whom It May Concern, I am writing to formally dispute significant inaccuracies listed in my credit report, specifically regarding incorrect personal information including my date of birth, residential address, and full name. Despite having sent multiple certified letters containing copies of my Social Security card, birth certificate, passport, and driver 's license, the errors remain unresolved. 

These inaccuracies have severely impacted my ability to secure financing for critical purchases such as a home and vehicle. Multiple lenders have consistently highlighted discrepancies in my personal information, citing these inconsistencies as barriers to credit approval. This ongoing issue has not only hindered essential financial transactions but has also negatively affected my career prospects, personal life stability, and overall creditworthiness. 

I kindly request immediate corrective action to rectify these inaccuracies in my credit report. Your prompt assistance in addressing these issues would be greatly appreciated, as the continued presence of incorrect personal information has resulted in significant personal and financial hardship. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
This is in addition to previous complaints and feedback that was provided. 

USAA has stated that I applied for a loan with party or parties unknown and gave another USAA member ( XXXX XXXX XXXX ) authorization to access my account. Both of those statements are false as I never gave XXXX XXXX authorization to access my account USAA investigated and determined I was the victim of fraud, refunding me {$10000.00} for a secondary account, and writing off a significant overdraft on the primary account as fraud. But never refunding the money that was in the primary account prior to the fraud as well as a XXXX deposit and XXXX private pension deposits, all made after the account ( XXXX ) was restricted pending closure. XXXX XXXX XXXX Government investigated and determined I was the victim of financial exploitation. 

I have provided the company ( XXXX XXXX and registered agent ) XXXX demand letters with exact amounts they owe me and the reason ( XXXX ) I want the company to provide me with XXXX a copy of anything physically signed by me authorizing XXXX XXXX XXXX anyone access to my account XXXX any note, agreement, promissory note etc. for a loan XXXX a copy of my call to USAA removing and blocking XXXX XXXX XXXX it was discovered she had access XXXX a copy or accounting of where the funds went to XXXX XXXX and after they left XXXX XXXX ' account. 
XXXX. Anything from XXXX XXXX XXXX XXXX XXXX XXXX, Ca showing that I applied for a loan or anything other than a {$10.00} investment package My evidence is solid. And after being a USAA member for XXXX years, their solution was to close both checking accounts and a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This serves as a formal dispute regarding inaccurate information appearing on my credit report and within your internal records, specifically concerning Account I am disputing the reported missed payments for XXXX XXXX, XXXX XXXX, and XXXX. XXXX. 
The reported missed payments are inaccurate due to the following circumstances : Fraudulent Activity : In XXXX XXXX, I reported unauthorized transactions on my Capital One account due to card theft.

Investigation and Credit : Capital One acknowledged the fraudulent activity, conducted an investigation, and issued a credit to my account for the unauthorized charges. 
Non-Issuance of Replacement Card : Despite the resolution of the fraudulent charges, a replacement card was not issued if so I never received it Subsequent Payments : I continued to make payments in XXXX and XXXX XXXX, demonstrating my commitment to maintaining the account and I was encouraged to not pay anything on the fraudulent charges because I was not responsible for the charges However but I did anyway to avoid any possible credit issues Unauthorized Account Closure : Capital One subsequently closed my account, applying the previously credited funds to the remaining balance. I was instructed to reapply for a new card in six months, a course of action I did not desire.

Adverse Impact of Inaccurate Reporting : The inaccurate reporting of missed payments has negatively impacted my credit score and financial standing.

Company response to consumer: Closed with explanation