vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kikoff Inc.
State: TX

Complaint narrative:
Between late XXXX and early XXXX, I fell behind on my Kikoff account during a period of medical and financial hardship following the birth of my child. While I take full accountability, I reached out to Kikoff in XX/XX/XXXX to request a goodwill adjustment for the late payments after bringing the account current in full. This is a common courtesy many creditors extend under the Fair Credit Reporting Act. I made it clear I was not disputing the accuracy of the report, only requesting consideration based on hardship and repayment. 

Kikoff repeatedly responded with generic scripts, avoided answering my direct request, and refused to escalate to a supervisor or anyone authorized to make credit reporting decisions. Their representatives either misunderstood or chose to ignore the nature of a goodwill request, falsely implying that removing late marks is illegalwhich is simply not true. The FCRA allows creditors to stop reporting derogatory remarks at their discretion, and many do. 

As a consumer actively working to recover, repair my credit, and qualify for a mortgage, their refusal to even escalate this request feels punitive and dismissive of my efforts. Im asking the CFPB to review Kikoffs unwillingness to offer any resolution, despite a clear and common path being available, and to hold them accountable for failing to act in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
In XXXX I received a copy of my consumer report and noticed that Experian is reporting collections accounts that weren't authorized to report. I sent them a dispute letter asking them to verify the information that they're reporting and provide to me signed contracts, agreements, or receipts that verify this. I have yet to receive any documentation in which I am aware that they're required to remove any account or information if it can not be properly verified pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ). How can I owe and alleged debt if I never had any dealings with the companies reporting the alleged debt? It is Experian 's duty to provide the most accurate information possible and do what's fair and equitable for their consumers.

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 2025-04-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It XXXX Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 

The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Adresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Employers XXXX XXXX XXXX Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 
Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file. I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences. 
l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I XXXX also pursue legal action to recover damages. 
Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You XXXX contact me at the information provided above should you need further details. 

Sincerely, XXXX XXXX XXXX XXXX : Copy of ID Copies of Utility bill Supporting documentation

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 2025-04-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It XXXX Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 

The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Adresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Employers XXXX XXXX XXXX Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 
Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file. I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences. 
l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I XXXX also pursue legal action to recover damages. 
Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You XXXX contact me at the information provided above should you need further details. 

Sincerely, XXXX XXXX XXXX XXXX : Copy of ID Copies of Utility bill Supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been XXXX me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-29 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-04-29 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, A copy of the XXXX report showing my information being exposed in a national data breach and affidavit letter

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 2025-04-29 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: MD

Complaint narrative:
I'm writing XXXX bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, XXXX have reliably referred XXXX that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file XXXX hindering my capacity XXXX go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside XXXX battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken XXXX  restore XXXX  amend my credit report immediately. With your assistance, I need XXXX reestablish the accuracy XXXX  reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help XXXX moving in settling this issue rapidly would be exceptionally critical. Much appreciation XXXX you right off the bat for your insight XXXX help.

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 2025-04-29 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: AZ

Complaint narrative:
Equifax is listing several unauthorized or questionable inquiries on my report, including XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These inquiries were not initiated by me, nor did I consent to any credit checks from these entities on the listed dates. Given the volume and repetition, it is likely my data was exposed through a breach or unauthorized access event. 15 U.S.C. 1681b requires that all inquiries must have a permissible purpose, and without my approval, Equifax is in direct violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I disputed the reporting of my XXXX XXXX account ( Partial Account XXXX. XXXX ) with Experian, Equifax, and XXXX due to numerous inconsistencies. 

Issues included inaccurate late payment reporting XXXX XXXX XXXX, missing XXXX XXXX XXXX XXXX XXXX XXXX, incorrect or missing Date of First Delinquency XXXX XXXX XXXX, inconsistencies in Account Status, and discrepancies in balance and special comments. 

Despite my detailed dispute, the credit bureaus failed to perform a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 

The inaccuracies persist, causing damage to my credit profile and exposing me to financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Equifax Credit Reporting allowed XXXX XXXX ( a collections ) agency to list a collections dept on my credit repot for XXXX dollars that I do not believe is mine. When I filed a dispute with Equifax they allowed the false collections to remain on my account without obtaining " written '' proof that the debt belonged to me. This XXXX dollar collections dated XXXX which possibly cause a mortgage application to be denied. The Mortgage credit report was processed by Equifax Mortgage Solutions. XXXX XXXX XXXX  both recognized the collection to be false when XXXX XXXX  tried to report it years ago and removed it from my report even though DXXXX XXXX attempted to add it to my report multiple times. 

I uploaded all three of my credit reports and you will notice that XXXX XXXX XXXX do not show the collection from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
Please block and delete the unauthorized accounts from my credit file immediately. I have no knowledge of these accounts and did not authorize their creation. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Supporting documents are enclosed for your review. I also noticed inconsistent and inaccurate account information being reported to each bureau.

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 2025-04-29 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union permitted an account to be opened in my name during a period in which I was incarcerated and therefore could not have legally or physically opened the account myself. This raises serious concerns about their identity verification protocols and compliance with federal regulations regarding fraud prevention. I formally disputed the account and requested a copy of the original signed contract to verify the legitimacy of the account. Despite sending this request via certified mail, I received no response and my request was ignored. I also filed disputes with the credit bureaus, providing documentation that included proof of incarceration during the time the account was opened. Nonetheless, the bank inaccurately verified the account as mine. It is important to note that other institutions and credit bureaus acknowledged the same evidence and subsequently removed fraudulent accounts from my credit report. Additionally, I submitted documentation proving that my personal information was compromised in a documented data breach, further substantiating the likelihood of identity theft. Navy Federals failure to act on the evidence provided not only violates consumer rights under the Fair Credit Reporting Act but also reflects a lack of due diligence in protecting consumer identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
Equifax is incorrectly reporting late payments on an account that was in bankruptcy. The late payments are wrong because the account was under bankruptcy well before the late payments populated and is still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are questionable. I sent letters over 30 days ago requesting validation of these entries, but have received no response, and no satisfactory validation has been provided. This ongoing silence is concerning as these entries continue to impact my credit standing negatively.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation