vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is reporting a late payment on my account, which I formally disputed. They responded claiming the information was verified, but failed to comply with federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to conduct a reasonable and independent investigationnot simply confirm their own records. Courts have ruled in XXXXXXXX XXXX XXXX XXXX XXXX XXXX Trans Union that failure to do so makes continued reporting unlawful. I have not received documentation showing a proper investigation or lawful reporting process. This constitutes willful noncompliance and ongoing harm to my credit. I am demanding the immediate removal of this inaccurate late payment and full compliance with 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 explanation
Consumer complaint received 2025-05-15 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This is what I am sending to Best Buy Subject : Urgent Issue with XXXX XXXX XXXX Missing Item and Order Cancellation Dear Best Buy Customer Support, I am writing to report a serious issue regarding my recent order placed online with Best Buy. 

Order Details : Product : XXXX XXXX XXXX XXXX Order Number : XXXX Order Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The package was delivered today. Upon receipt, I noticed that the original shipping box had been tampered withthe official Best Buy seal was broken and replaced with clear tape. When I opened the package, I found the original XXXX packaging inside, but it was also opened and the XXXX XXXX itself was missing. 

I immediately contacted Best Buy Customer Service to report the issue. The representative I spoke with offered three options : a refund, a reshipment, or an in-store pickup replacement. Because this XXXX XXXX is a XXXX  gift for my son, and I did not want to risk another shipping issue, I chose the in-store pickup option. 

However, I encountered issues during this process : The store pickup was set under my name, but I am currently out of town in XXXX  for work and normally reside in XXXX. 

I attempted to change the pickup person to my wife, but the system would not allow me to do so. 

It did allow me to change the pickup location, so I updated it to a local store in XXXX  where I am currently staying. 

The system confirmed the change and stated the item would be ready for pickup later today. 

When I checked my Best Buy account XXXX minutes later, I was surprised to find that the replacement order had been canceled. I called customer service again, explained the situation, and was told that the system had flagged and canceled the order, though no specific reason could be provided. 

The agent assured me that he would remove the flag and submit a refund request, and that I should hear back within XXXX hours. 

However, at XXXX XXXX  this evening, I received an email from Best Buy stating that the order was canceled and that a refund could not be processed. The email instructed me to work with local law enforcement. 

This is extremely frustrating and concerning. I have been proactive and transparent throughout this process and would simply like to receive the product I purchasedor at the very least, a proper refund. 

Please advise on the next steps. I am hopeful this issue can be resolved quickly and amicably without requiring further escalation. 

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 explanation
Consumer complaint received 2025-05-15 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
PLEASE DELETE ALL THE INQUIRIES ON MY REPORT. THIS IS A CASE 0F ( IDENTITY THEFT. ) PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRY DATE : XX/XX/XXXX PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX PLEASE DELETE - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX PLEASE DELETE - XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX PLEASE DELETE - XXXX XXXX A PART OF XXXX  INQUIRY DATE : XX/XX/XXXX PLEASE DELETE

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 2025-05-15 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 am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian.

Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
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 2025-05-15 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: GA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute the late payment notations associated with the Department of EducationXXXX accounts on my credit report. These accounts are currently listed as Open. Deferred, payments begin XX/XX/XXXX, yet they have been marked as Potentially Negative, which is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ). 

According to the Higher Education Act and FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], a data furnisher must not report information that is inaccurate or misleading. Reporting late payments on accounts that are in deferment status until XX/XX/XXXX is not only misleading but also a violation of federal law. 

Here are the disputed accounts : - Opened XX/XX/XXXX Balance : {$5400.00} and {$7900.00} - Opened XX/XX/XXXX Balance : {$1000.00} and {$1400.00} - Opened XX/XX/XXXX Balance : {$3700.00} and {$6700.00} - Opened XX/XX/XXXX Balance : {$3200.00} These student loan accounts are currently in a federally approved deferment period. Therefore, no negative or delinquent status should be reported during this time. I am requesting that you immediately remove any negative notations related to late payments from these accounts, as they do not accurately reflect my payment obligations.

Please conduct a reinvestigation under FCRA Section 611 [ 15 U.S.C. 1681i ] and provide me with a written response within 30 days, as required by law. Failure to correct these inaccuracies may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: The Bureaus, Inc.
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so.

You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXX/XX/XXXX XXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXXXX/XX/XXXX) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XXXX  2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 

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 2025-05-15 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: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 2025-05-15 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
TransUnion LLC P.OXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Demand for Immediate Removal of Inaccurate Account and Hard Inquiries To Whom It May Concern : I am formally disputing both unauthorized hard inquiries and a fraudulent or inaccurate account currently listed on my TransUnion credit report. These entries were not authorized by me and are being reported without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, I must note that TransUnion has a documented history of failing to properly investigate consumer disputes, as evidenced in a class action lawsuit where TransUnion was accused of falsely representing to consumers that it had conducted investigations and falsely claiming it had contacted creditors and verified the information. Despite denying wrongdoing, TransUnion agreed to a {$23.00} million settlement to resolve these serious allegations.

It is clear from this history that consumers, including myself, can not rely on TransUnions word when it claims that disputed items have been verified. Unless you provide documented proof, including contracts bearing my signature and evidence of permissible purpose, your continued reporting of these items constitutes willful noncompliance under federal law. 

I therefore demand the immediate deletion Dispute Reason : This account is not mine and was reported without my authorization or verification Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days. Under 15 U.S.C. 1681b, all credit inquiries and accounts must have a legitimate, verifiable permissible purpose. If you can not provide documented proof of this, including certified evidence from the original creditor, you must delete the entries immediately.

Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I reserve the right to seek legal relief under 15 U.S.C. 1681n for willful noncompliance.

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 2025-05-15 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: AZ

Complaint narrative:
I am submitting a complaint about outdated personal information on my credit report. 
I have mailed a dispute to Experian requesting the removal of incorrect and outdated details : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX. 

This information is linked to negative accounts that I have disputed separately. Please find attached my dispute letter and supporting documentation. 

Experian\n XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : Request for Removal of Incorrect and Outdated Personal Information Dear Experian, I am writing to request the removal of outdated and incorrect personal information from my credit report. The following details are no longer accurate and should be removed : Inaccurate Address : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX. 

These outdated details are linked to negative accounts that I have disputed separately. Removing them ensures my credit report remains accurate and prevents improper verification. 

Please update my credit report to reflect only my current and accurate information : Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Current Phone Number : XXXX Correct Name : XXXX XXXX Enclosed, I have included documentation to verify my identity and current information : 1. A copy of my government-issued ID.

2. Proof of my current address ( utility bill, lease agreement, etc. ).

Thank you for your prompt attention to this matter. Please confirm once the requested changes have been made. 
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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: RI

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am kindly requesting the assistance of the CFPb in correcting an accounts on mycredit report. Your help in this matter will greatly improve my credit standing. I amhopeful that in the next update, the v in question will be rectified. Thank youvery much for any assistance you can provide. 
XXXX XX/XX/XXXXPayment Status : Current Date XXXX Date Last Active : XX/XX/XXXX Balance : {$47000.00} late 30 days XXXXXX/XX/XXXXPayment Status : Current, Date XXXX Date Last XXXX Balance : {$0.00} late 30 days XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX Balance {$4600.00XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief