vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
XXXX XXXX Last 4 ssn XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX XXXX XXXX Citibank Executive Response XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX Fax : XXXX Email : XXXX RE : IMMEDIATE ACTION REQUIRED ILLEGAL CREDIT LIMIT REDUCTION Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal complaint and demand for immediate action regarding an unauthorized and unlawful reduction of my credit limit on the above-mentioned Citibank-issued Best Buy credit card. 

Despite my account being open, in good standing, and NEVER lateas clearly reflected in my XXXX  credit report ( screenshots attached ) you decreased my credit limit without any prior notice or explanation. This is not only unethical but in direct violation of federal law. 



You Have Violated the Following Laws : CARD Act Section 101 ( a ) ( 1 ) You are legally required to give at least 45 days written notice before reducing a consumers credit limit. I never received any such notice.

CARD Act Section 101 ( a ) ( 3 ) If the decrease was based on credit bureau data, you are required to disclose the specific reason and source. I never authorized any such pull, and no adverse action notice has been provided.

CARD Act Section 102 I have the right to opt out of changes under certain
terms. No such option was ever presented.

Truth in Lending Act ( TILA ) Section 1026.9 ( c ) Creditors are required to notify consumers of significant changes, such as a limit reduction, at least 45 days in advance. This requirement was blatantly ignored. 

Facts : Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Open Never Late Current Limit : {$1000.00} ( Reduced from previous amount without notice ) Balance : $ XXXX Monthly Payment : Always made on time ( See attached payment history )

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 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). XXXX  date last active XX/XX/XXXX, XXXX  date last active XX/XX/XXXX, Equifax date last active XX/XX/XXXX. 



XXXX XXXX XXXX XXXX account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ). XXXX  date last active XX/XX/XXXX, XXXX  date last active XX/XX/XXXX, Equifax date last active XX/XX/XXXX. 



XXXX XXXX  XXXX account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ). XXXX  is date last active is XX/XX/XXXX, XXXX  date last active XX/XX/XXXX, Equifax date last active XX/XX/XXXX. 



XXXX XXXX  XXXX account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ). XXXX  date last active XX/XX/XXXX, XXXX  date last active XX/XX/XXXX, Equifax date last active XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have provided proof that my insurance paid the amount they say I owe. I have provided old records from the hospital who actually reported it as needing to be collected and I sent it to the credit reporting agencies and them. I have even had insurance send me proof of what they paid and what my amount was due. According to GLA I owe them {$830.00}. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX of XXXX. I talked with my insurance who went back and looked at those two events. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was done by XXXX XXXX XXXX XXXX XXXX. I was required to prepay XXXX which I did pay using the HSA card we have. The hospital XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and the XXXX XXXX on XX/XX/XXXX. Both times they charged {$1200.00}. Insurance in turn applied the discount that they have with XXXX XXXX XXXX XXXX XXXXXXXX. On both of those times the discount was {$780.00} for each date, XX/XX/XXXX and XX/XX/XXXX for a total discount of {$1500.00}. The total the hospital charged was {$2400.00}. We my discounts were applied The amount due to be paid was {$880.00}. On XX/XX/XXXX insurance paid {$400.00} and on XX/XX/XXXXXXXX XXXX insurance paid another {$400.00} for a total of {$800.00} being paid to XXXX XXXX and XXXX XXXX. The amount at that time that would have been my responsibility was XXXX. {$44.00} for XX/XX/XXXX and {$44.00} for XX/XX/XXXX. However, the hospital required me to pay {$180.00} down to even schedule the XXXX. Which I did! I reviewed this information with XXXX my insurance company and they concluded as well that I overpaid the hospital by {$92.00}. In addition, I never received any notice showing I owed this. We keep all of our bills. All of a sudden I log into my credit report and saw that GLA wanted me to pay them {$830.00} for these XXXX XXXX. In addition, the paperwork that they sent to me doesn't even line up at all with what they say I owe. I have disputed this several times and all times I denied and told its accurate when I have submitted direct paperwork from XXXX for those amounts showing their discounts, amounts they paid and my payment. I am not sure how else to dispute it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed a credit inquiry on my report that I dont recognize. I didnt apply with this company and never gave permission for a credit check. This unexpected activity is concerning and has left me with serious questions.

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 2025-04-15 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-15 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: FL

Complaint narrative:
Unauthorized companies accessed my credit report without my consent, harming my credit score. Despite Equifax 's assurance they would be removed, these inquiries remain. This raises serious concerns about identity theft and continues to cause unnecessary stress and damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Skopos Financial, LLC
State: IL

Complaint narrative:
Reprise Financial acted outside the bounds of our contractual agreement in XX/XX/year> by making unauthorized attempts at funds The company has refused to acknowledge and report their breach I have contacted via multiple avenues and presented multiple conversations with people in their CS/ Legal departments that acknowledges Reprise was at fault however, their credit reporting team refuses to acknowledge and report the infomation

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I noticed an account on my credit report that I have no knowledge of. Upon further review, I believe that my personal information may have been exposed in a data breach. Over time, I have discovered multiple instances in which apartments, loans, and various other items were fraudulently opened in my name without my consent. The unauthorized use of my personal information is causing severe financial and personal hardship, and it is negatively affecting my livelihood tremendously. I am urgently seeking a resolution to have these fraudulent items removed from my records and to prevent any further misuse of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
Submitted information on a ongoing investigation into a sensitive situation and I have not received any information or update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I called to have the incorrect names and addresses removed as well as sent in my id and lease and they refused to remove the information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I have been given many Amex Pre-paid gift cards over the years as a XXXX bonus from work, at least XXXX {$1000.00} cards and various other. I can't seem to use them anywhere online, or even try to use them by loading them to a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Inquiry ( TransUnion ) XXXX XXXX - XXXX/XXXX/2024

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I used my Revolut card to pay for transportation services. The driver overcharged me. They added an extra XXXX to the transaction. I was charged {$170.00} USD, when the charge should have be {$17.00}. I instantly reported this as fraud. I never signed any paperwork confirming payment nor used my pin. The driver charged the card and drove off. I was not provided a receipt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I've been experiencing inconsistent access to my Chase account through their desktop website. The error message * '' This part of our site isn't working right now '' * has become a recurring problem, particularly : - During my normal late-night hours ( which I initially thought might explain the issue ) - But now also during standard daytime hours when the site should be fully operational * * Key Problems : * * 1. * * Unpredictable Access : * * The site works intermittently with no clear pattern 2. * * No Official Communication : * * Chase provides no status updates about known issues 3. * * Business Hour Failures : * * Even during normal operating times, basic functionality fails * * Why This is Unacceptable : * * - As someone who prefers desktop banking, I'm being forced to use mobile alternatives against my preference - A major financial institution should maintain 24/7 reliable access - The random nature of these outages suggests deeper technical problems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a new XXXX  XXXX XXXX with a car loan through XXXX XXXX  XXXX XXXX During the loan approval process, I noticed that my credit history was not recognized, which led to me being offered a 7 % APR instead of the 0 % XXXX promotional offer available at the time. Upon reviewing my credit report, I found that my Social Security Number ( SSN ) had been incorrectly entered by a XXXX  XXXX XXXX representative, which caused the issue. I immediately reached out to XXXX  XXXX XXXX, requesting clarification on why my credit history was not showing up and asked them to verify and correct my SSN. Additionally, I asked for an explanation regarding the 7 % APR despite the 0 % offer. Unfortunately, I have not received a satisfactory response or resolution, and the incorrect APR continues to affect the terms of my loan.

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 2025-04-15 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-15 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: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-15 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-04-15 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX * * * * {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation