vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
formally dispute the validity of the above-referenced account as it appears on my credit report. By the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I requested a debt validation letter from the creditor/debt collector listed on my credit report. Under federal law, the collector was required to provide validation of the alleged debt within XXXX days of my request. 

To date, the creditor has failed to furnish the required documentation validating the alleged debt. As such, reporting this account to the credit bureaus without proper validation constitutes a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which mandates that all information furnished to consumer reporting agencies must be accurate and verifiable. 

This is a formal demand to immediately : Remove the unverified and inaccurate account from my credit report, and Send written confirmation of the deletion to my address listed above. 

Please be advised that if this account is not removed, I will consider taking further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

You are required to complete your investigation within XXXX  days of receipt of this letter, per FCRA guidelines. Please also provide me with the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received bills from Citibank indicating credit cards were taken out in my name. 
I assured them it hadnt applied for a credit card. Realizing I was now a victim of identity fraud I had them close the card and start an investigation. 
Citibank was not investigating it as an identity theft they were investigating it as a dispute. 
I have spoken to an enormous amount of people and departments and after 2 investigations they havent resolved a thing. 
This company is apparently not able to function as a very trustworthy institution. 
Most of the individuals I have spoken to do not have a very good command of the English language. 
I need help in fixing this problem. I found out yesterday that a second card had been taken out in my name. I dont know what else I can do. I need this to be over with, but its not bound to happen with Citibank. 
Please if you can help I would appreciate it. Thankyou, Sincerely, 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Reinserted Deleted Collection Without Notice I previously disputed and had a XXXX XXXX collection account ( Account # XXXX ) removed from my Experian credit report in 2020. As per the attached documents, Experian confirmed the item was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-05-16 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: NC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against American Express Unjustified Credit Limit Reduction Without Notice ( XXXX XXXX XXXX in XXXX ) To Whom It May Concern, I am filing this complaint against American Express regarding the handling of my XXXX Credit Card account ending in XXXX, specifically for a drastic and unexplained credit limit reduction that has severely impacted my financial standing and credit health. 

Details of the Issue : Until recently, I maintained a credit limit of {$3000.00} on this account. Without prior notice, American Express reduced my credit line to {$700.00}, a decision made without explanation or justification. I was not given the opportunity to address any concerns or review the criteria used to make this decision. I did not receive any email, letter, or alert from American Express informing me that such a critical action was being considered or executed. 

As a result of this unjustified reduction : My credit utilization ratio has sharply increased, which negatively affects my credit score.

My available credit dropped suddenly, impacting my financial planning and flexibility.

I experienced emotional and financial stress as this change occurred without transparency or opportunity to respond.

This pattern mirrors what I have experienced with other American Express accounts, including coercive reviews, unjustified payment demands, and credit limit reductions that feel punitive rather than protective.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I have disputed several accounts on my report that I do not have knowledge of or that are incorrect and the disputes keep being resolved in the creditors favor. XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please remove all fraudulent addresses from my reports as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I have disputed several accounts on my report that I do not have knowledge of or that are incorrect and the disputes keep being resolved in the creditors favor. XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please remove all fraudulent addresses from my reports as well.

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 2025-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX accordance with the air credit Reporng act, the list of accounts below has wolated my federally protected consumer nights to privacy and '' gonfidentiality under 15 USC 1681. 
TTWTTD : ( XXXX XXXX XXXX accounts below have violated my nights. XXXX U.S.C 1681 section 602A States I have the right to pnvacy.

More than 1h0 h5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrictions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : na consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse itern of information, other than records of comvictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX XXXX XXXX ( A ) ( a ) A person shal thiot furnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 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: NC

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 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 2025-05-16 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never created these accounts, and they appeared to be counterfeits. I implore you to thoroughly examine them and take them off of my credit report. Attached are pertinent supporting materials.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: NC

Complaint narrative:
I informed TransUnion that the accounts on my report was used for medical bills and medical assistance and This accounts needs to be removed immediately per federal law since it is related to the cfpb regulations v. Senate bill 5480 the XXXX XXXX credit card and all other credit cards were used for medical bills and medical assistance the XXXX XXXX XXXX XXXX credit card and loan was used for medical bills and medical assistance please remove

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding a Dept. of Ed/Aidvantage account on my credit report. The account shows a current balance of {$19000.00} on an original loan of {$15000.00}, without any breakdown or itemization of how this increase occurred. Additionally, the account reporting includes missing fields ( highest balance, amortization details ) and does not follow Metro 2 compliance formatting.

I previously disputed this account and the credit bureau updated the status without providing verification based on original signed documentation, which violates my rights under FCRA Section 611 and 609.

I am requesting a full investigation and that the account be removed from all credit bureaus due to incomplete, inaccurate, and unverified reporting. I am also requesting the furnisher provide full records of payments, interest, and fees to justify the balance. 

Thank you for protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing an interest charge of {$220.00} from American Express on my XX/XX/year> statement. 

The charge is labeled as trailing interest supposedly related to my XXXX and XX/XX/year> balances. I was already billed interest for both those periods ( {$190.00} and {$220.00}, respectively ), and in XXXX, I paid off my full balance in excess of the statement amount ( {$12000.00} vs. {$10000.00} ). 

Amex failed to properly disclose how and when this residual interest would be charged. They changed their explanation multiple times during customer service chats and attempted to justify it using confusing or incorrect information, such as referencing XXXX purchases that occurred after my cycle closed.

Ive requested transparency, a full breakdown, and a waiver, but instead have experienced emotional distress due to their negligence and inconsistency. Im requesting the {$220.00} charge be waived and that Amex be required to improve their disclosures about residual interest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I received no notice of any debt until a company attempted to serve me for a lawsuit filed against me by the company. The company tried to serve me on XX/XX/year>

Company response to consumer: Closed with explanation