vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
Predatory Limit Reduction and Refusal to Honor Good-Faith Payment Military-Connected Financial Hardship On XX/XX/year>, I made a {$220.00} charge to my AmEx EveryDay card while shopping. Within one hour of that charge, I made a {$180.00} payment. Two hours later, I added a {$40.00} payment to fully match the amount spent. By close of business, my account balance had not increased.

Despite this, AmEx issued a notice stating my credit limit would be reduced unless I paid {$1700.00} by XX/XX/XXXX. This " review '' was triggered after full same-day repayment and in contradiction to their own communication suggesting payment could prevent the action. 

I explained that I had just completed a cross-country Permanent Change of Station ( PCS ) military move. My XX/XX/XXXX payment ( one day late ) occurred on a Sunday during that move and was corrected on XX/XX/XXXX. This one-day delay was not chronic behavior and did not warrant harsh treatment. 

I also made it clear that I could not engage by phone due to my home privacy and mental health needs. Despite stating my position repeatedly, I was shuffled through five different chat agents, all of whom refused to act or escalate without a phone callignoring my accessibility limitation and pushing me to the point of emotional distress. American Express chose to disregard all of this. They punished a customer who m
ade timely payments, covered new purchases same-day, reduced her balance by over {$1700.00} in five months, and did not increase debt.

I am requesting : Restoration of my credit limit Reversal of the retaliatory action Documentation that no additional derogatory marks will be placed Written accommodation for account servicing going forward I canceled the {$40.00} payment and will not allow the {$180.00} to process because American Express demonstrated bad faith. I refuse to continue paying a creditor that chose to weaponize my account review against me despite documented payments and hardship disclosure. This is not refusal to payit is a refusal to be exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-07-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo online account was compromised on XX/XX/year>. While most of the fraudulent activity has since been addressed, one {$500.00} unauthorized charge on my XXXX credit card remains unresolved. The balance has since grown to {$720.00} due to interest and late fees. 

Despite promptly reporting the fraud on XX/XX/XXXX, and following up multiple times ( including an in-person identity verification at a local branch ), this transaction is still being treated as legitimate. I was explicitly told by Wells Fargo on two separate occasions that this case had already been resolved and that its current state was due to an internal system error ( latest case number : XXXX ). I was assured that it would be corrected but no action was taken. Instead, the unresolved balance continued to accrue interest, and ultimately, my account was closed without notice on XX/XX/XXXX. This unjustified closure both blindsided me and compounded the harm to my financial standing. 

No written explanation was provided. I received no formal resolution, no findings from the investigation, and no correction to my credit reports. 

This unresolved issue has caused significant harm : ~ My credit score has dropped, affecting my ability to qualify for financing. 

~ XXXX work in XXXX, and unresolved fraud on my credit file threatens security clearance eligibility. 

~ I am launching a business, and had planned to responsibly leverage personal credit. 

~ I am currently carrying a {$6800.00} balance on another Wells Fargo credit card ( Reflect ), and my trust in the institution has been severely undermined. 

Despite my good-faith efforts- through phone calls, branch visits, and written requests - the matter has gone unresolved for over four months. I am requesting the CFPBs assistance in bringing this to resolution.

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 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
On XX/XX/year>, Radius Global Solutions received my formal written dispute and validation request under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I sent this letter by U.S. Mail with tracking, and USPS confirmed delivery at their XXXX facility at XXXX XXXX. My letter demanded full debt validation and included a formal request for reasonable accommodation under the Americans with Disabilities Act ( ADA ), requiring that all communications be in writing via U.S. Mail.

This was not my first dispute. Prior to that letter, I had submitted a dispute in writing through Radiuss online portal. In that earlier communication, I specifically disputed the debt and invited validation and settlement consideration. Radius responded only by sending a subsequent collection letter without ever validating the debt. This continuation of collection activity, after a written dispute, violates 15 U.S.C. 1692g ( b ).

As of today, Radius has failed to provide any validation of the debt in response to either the online or mailed dispute. They have also not acknowledged my ADA accommodation request, which further compounds the issue. 

While I am not currently aware of any credit reporting or account access related to this debt, I reserve all rights under the Fair Credit Reporting Act ( FCRA ) in the event that occurs. 

The CFPBs own guidance under the FDCPA states that a debt collector must cease collection activity once a dispute is submitted in writing, and may not resume without providing proper validation. Radius has disregarded this obligation twice. 

I am requesting that the CFPB investigate Radius Global Solutions for its ongoing noncompliance, require the company to validate the debt ( or acknowledge that it can not ), and take appropriate enforcement action to prevent any further unlawful collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please complete your investigation within the 30-day period as required by federal law and provide written confirmation of the results. Failure to properly verify and correct the disputed information will constitute a violation of the FCRA, and I will consider taking further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and seeking legal counsel if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please complete your investigation within the 30-day period as required by federal law and provide written confirmation of the results. Failure to properly verify and correct the disputed information will constitute a violation of the FCRA, and I will consider taking further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and seeking legal counsel if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NJ

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Accounts Name and Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX Y XXXX - Incorrect Persona I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 2025-07-04 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: CA

Complaint narrative:
Recently I checked my credit report and noticed that I have been a victim of identity theft. I found a credit account that I didnt know about it. Here is the account that I have found XXXX XXXX XXXX FOR XX/XX/year>. Amount {$1000.00}. Please remove the fraudulent account from my credit report as I am in the process Of buying a business building for my company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Recently I checked my credit report and noticed that I have been a victim of identity theft. I found a credit account that I didnt know about it. Here is the account that I have found XX/XX/XXXX FOR XX/XX/year>. Amount {$1000.00}. Please remove the fraudulent account from my credit report as I am in the process Of buying a business building for my company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
Recently I checked my credit report and noticed that I have been a victim of identity theft. I found a credit account that I didnt know about it. Here is the account that I have found XXXX XXXX XXXX XXXX XX/XX/year>. Amount {$1000.00}. Please remove the fraudulent account from my credit report as I am in the process Of buying a business building for my company.

Company response to consumer: Closed with non-monetary relief