vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: MN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry 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 2025-05-26 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies in my personal information as reported by Experian and Equifax. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy and completeness of the information in consumer credit files. 

Disputed Items : Incorrect and Outdated Addresses : Equifax lists XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TN as my current address. I no longer reside there, and this information is outdated. 

Experian omits the apartment number from my current address. It should read XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

Name Discrepancies and Aliases : Experian includes an alias listed as XXXX XXXX XXXX. This is incorrect. 

My middle name appears inconsistently. Please update to reflect my full legal name : XXXX XXXX XXXX XXXX. 

Incomplete Date of Birth : Experian lists only my birth year ( XXXX ) instead of my full date of birth ( XX/XX/1986 ). This incomplete data may lead to identification errors and should be updated. 

Misclassification of Address Type : Equifax lists my current address as a previous address. This should be corrected to reflect my current residence at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. 

Pursuant to FCRA Sections 1681e ( b ) and 1681i, I am requesting that both bureaus investigate these entries and correct or remove any information that can not be verified. Please update my credit file to reflect accurate and current information, and provide written confirmation along with updated credit reports reflecting these corrections. 

Thank you for your time and prompt attention to this matter. I look forward to a resolution and the assurance that my credit file reflects accurate and verifiable personal 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 2025-05-26 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: DC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-26 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:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-05-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
this collection keeps popping up on my credit report and I have no idea who's debt this is also they have incorrect info that I informed them about me and they updated it but never responded to me with documents I asked for including original contract and proof of identity.

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 2025-05-26 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: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I purchased a XXXX XXXX smartphone in late 2024 using my American Express card. After roughly six months of normal use, the phone 's core hardware feature XXXX  charging stopped working. I contacted XXXX immediately and informed them that I rely on this phone as a mission-critical device in my role as a security engineer. This is how I receive urgent on-call alerts ; without it, I can not perform my job. 

I offered multiple good faith resolutions, including : A cross-shipped replacement device Paying the difference for a higher-tier model with wireless charging All were denied. Instead, XXXX insisted I send the device in for inspection without a replacement, knowingly leaving me without any phone for an indefinite period. I informed them I could not accept that resolution due to the nature of my work. They refused to make reasonable accommodations. 

This violates federal warranty law, specifically the Magnuson-Moss Warranty Act, which requires that warranties be honored without placing unreasonable burdens on the consumer. Pointing to restrictive " terms of sale '' while refusing to accommodate valid warranty claims is exactly the type of practice the law was designed to prevent. 

After exhausting communication with XXXX, I initiated a charge dispute with American Express. They denied it on the grounds that it was more than 60 days since the original transaction, despite me notifying them promptly once it became clear the merchant would not honor the warranty. 

This is a misapplication of the Fair Credit Billing Act ( FCBA ), which was intended to protect consumers in cases of defective goods or merchant nonperformance not to shield merchants from liability simply because a defect appeared outside the 60-day window. The timeline reflects a warranty defect, not buyers remorse, and I acted in good faith throughout. 

I am requesting the CFPB investigate this situation and require Amex to reopen the dispute or justify, in detail, why they believe this denial aligns with consumer protections under FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 of 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 ).

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 2025-05-26 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: CA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year>. 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXXXXXX XXXX XXXX  BALANCE {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-26 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unverifiable items listed on my Experian credit report. These items may violate the Fair Credit Reporting Act ( FCRA ) due to errors, duplications, and outdated or unverifiable information. Under the FCRA, I am entitled to fair and accurate reporting of my credit data. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX, {$9800.00} balance unchanged since XXXX XXXX verified activity or payments in over 5 years. 

FCRA 605 ( a ) ( 4 ) prohibits reporting repossessions older than 7 years.

FCRA 611 requires reinvestigation of disputed information. 

XXXX. XXXX XXXX  Charged-Off Credit Card Status : {$770.00} balance charged off, last updated in XXXX Disputed before ; remains unresolved. 

FCRA 623 ( b ) requires furnishers to investigate disputes within 30 days.

FCRA 609 ( c ) ( 2 ) ( E ) requires clear explanation of results if not removed. 

XXXX. XXXX XXXX XXXX ( XXXX entries ) Duplicate Collections Status : {$3000.00} and {$500.00}, both from XXXX on XXXX XXXX  FCRA XXXX ( b ) : Requires maximum possible accuracy. 

XXXX accounts for the same original debt suggest duplication or incorrect entry. 

Prior disputes have not resulted in meaningful updates. 

Incorrect Names and Addresses : Inaccurate Name Variants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names do not reflect my legal name, XXXX XXXX XXXX, and are confusing and misleading. 

Outdated or Inaccurate Addresses ( not tied to open verified accounts ) : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA And other old GA/TX addresses no longer connected to me. 

FCRA 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ) protect the integrity of consumer file data. Including outdated and incorrect addresses can impact background and lending decisions and create unnecessary confusion.

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 2025-05-26 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:
I am writing to formally dispute the accuracy of federal student loan accounts being reported on my credit file. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be corrected or removed in compliance with 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: MI

Complaint narrative:
Summary of Complaint : I am filing a formal complaint against XXXX XXXXXXXX for inaccurately reporting a late payment on my credit report for the account listed as Kikoff Lending LLC. The alleged late payment is being reported for XXXX 2025, which is factually incorrect and legally unjustified. 



Facts : 1. XXXX is currently reporting a late payment for the Kikoff Lending LLC account, dated XX/XX/year>2025. 
2. I have reviewed my payment history and records for this account and can confirm that the payment due for that period was made on time.

3. According to 15 U.S. Code 1666b Timing of payments, creditors must provide at least 21 days between the date a billing statement is sent and the due date before considering a payment late. Any deviation from this timing violates my rights under federal law.

4. XXXX has reported this late payment without verifying the accuracy of the information provided by the data furnisher,
Kikoff Lending LLC.

5. I have not received any verification or supporting documentation from XXXX to confirm the validity of this late payment.

Legal Basis : Under 15 U.S. Code 1666b, creditors are required to provide a reasonable period for payment before reporting an account as delinquent or applying any late penalties. Reporting a payment as late without following the timing requirements, or without verifying the accuracy of the reporting, constitutes a violation of the Fair Credit Billing Act.

As a consumer, I am entitled to : Accurate reporting of payment history, and Verification of any derogatory or disputed information under the Fair Credit Reporting Act ( FCRA ).

Conclusion : XXXX XXXXs reporting inaccurate, unverified, and potentially unlawful information regarding my payment history, which is causing harm to my credit profile. I am requesting immediate intervention by the CFPB to ensure that XXXX  complies with all federal consumer protection laws and corrects the false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation