vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against CRA 's for inaccurate reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The errors involve accounts with XXXX XXXX XXXX and XXXX, which are damaging my creditworthiness. I seek your intervention to enforce corrections and ensure compliance. 

XXXX. XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Issue : Reported as " charged off '' with late payments. 
Facts : The account was paid in full via my insurance provider, with no late payments. I have proof of payoff and payment history. 
Requested Action : Update status to " Paid as Agreed, '' remove " charged off '' status, and delete late payment notations. Payment history is violating the FCRA laws by not accurately showing in order. 

XXXX. XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  Issue : Reported as transferred to another lender without my consent and showing late payments. 
Facts : All accounts were paid in full from the transfer that had taken place on the consumer report. The unauthorized transfer misrepresents my account status. 
Requested Action : Update all accounts to " Paid as Agreed, '' remove transfer notations, and delete late payment notations. Payment history is violating the FCRA laws by not accurately showing in order. 

Additional Requests Provide furnisher ( XXXX XXXX XXXX and XXXX ) procedures and policies for reporting account status and payment history, per FCRA 1681s-2 ( a ) ( 2 ). 
Provide complete account ledgers and statements for all disputed accounts, per FCRA 1681g ( a ) ( 1 ).

Legal Basis Under FCRA 1681i ( a ) ( 1 ), CRA 's must investigate disputes within 30 days and correct unverifiable information. Failure to do so violates FCRA 1681e ( b ), which requires reasonable procedures to ensure accuracy. See Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXXXXXX XXXX XXXX ), affirming that credit bureaus must conduct reasonable investigations. The unauthorized transfer of XXXX accounts may also violate FCRA 1681c-2, requiring blocking of information from unauthorized actions. 

Requested CFPB Action : Investigate CRAs failure to correct these inaccuracies. 
Compel CRA 's to update the accounts as requested and provide the requested furnisher procedures and account records. 
Ensure compliance with FCRA to prevent further harm to my credit. 

Enclosures Copy of government-issued ID and proof of address.

I trust the CFPB will act swiftly to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they have already closed my complaint. Can you clarify why they closed it without addressing my concerns? Have they even looked into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. What methods did they use to verify my information? This whole situation is extremely frustrating! It's been over XXXX  days since I filed my complaint, and I expected the accounts to be updated by now. If they aren't updated soon, I XXXX have to consider legal action due to the stress this has caused me. Additionally, I'm worried about the security of my personal data, especially after the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they have already closed my complaint. Can you clarify why they closed it without addressing my concerns? Have they even looked into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. What methods did they use to verify my information? This whole situation is extremely frustrating! It's been over XXXX  days since I filed my complaint, and I expected the accounts to be updated by now. If they aren't updated soon, I XXXX have to consider legal action due to the stress this has caused me. Additionally, I'm worried about the security of my personal data, especially after the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: HI

Complaint narrative:
Talk to social security they ' said they are still waiting for XXXX XXXX  to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully submit this request to challenge a reported late payment that I believe to be inaccurate. I maintain a solid payment history, and after reviewing my records, I am confident this entry is a mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, am disputing an account reported by Affirm that appears on my credit report. This account contains inaccurate information that does not reflect my actual credit activity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully investigated and corrected or removed if it can not be properly verified. I am exercising my right to ensure that only accurate and complete information is reported in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXXXXXX XXXX XXXXXXXX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I filed a dispute with American Express ( Reference # XXXX ) regarding a defective bicycle part purchased from an online merchant. The product arrived with stripped threading on the rear derailleur, making it unusable. 

I attempted to return the item within the merchants stated return window. However, the merchant refused to provide a working return label and instead demanded a 4050 % " depreciation fee '' without justification. 

I submitted all supporting documents through Amex 's online dispute portal, including receipts, photographs, and communication with the seller. Despite this, Amex continues to mark the dispute as Awaiting your response and falsely claims that required documentation is missing. This happened even after I uploaded the same documents multiple times in compliance with their process. 

The system appears to be designed in a way that traps users in an endless document upload cycle. Attempts to speak with customer service led nowhere, and I received no meaningful update or resolution. 

I believe American Express is in violation of the Fair Credit Billing Act, as they failed to properly process a legitimate billing dispute, and their dispute platform behavior constitutes an unfair and deceptive practice.

I am requesting : 1. Full reimbursement of the disputed charge ( {$45.00} ).

2. An investigation into Amex 's dispute-handling system.

3. Compensation for the unreasonable time, effort, and stress caused by their failure to process this simple and well-supported claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal request for the removal of an account that remains on my credit report despite having been resolved. I have fulfilled all obligations related to this account, and continued reporting is misleading and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against CRA 's for inaccurate reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The errors involve accounts with XXXX XXXX XXXX and XXXX, which are damaging my creditworthiness. I seek your intervention to enforce corrections and ensure compliance. 

XXXX. XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Issue : Reported as " charged off '' with late payments. 
Facts : The account was paid in full via my insurance provider, with no late payments. I have proof of payoff and payment history. 
Requested Action : Update status to " Paid as Agreed, '' remove " charged off '' status, and delete late payment notations. Payment history is violating the FCRA laws by not accurately showing in order. 

XXXX. XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  Issue : Reported as transferred to another lender without my consent and showing late payments. 
Facts : All accounts were paid in full from the transfer that had taken place on the consumer report. The unauthorized transfer misrepresents my account status. 
Requested Action : Update all accounts to " Paid as Agreed, '' remove transfer notations, and delete late payment notations. Payment history is violating the FCRA laws by not accurately showing in order. 

Additional Requests Provide furnisher ( XXXX XXXX XXXX and XXXX ) procedures and policies for reporting account status and payment history, per FCRA 1681s-2 ( a ) ( 2 ). 
Provide complete account ledgers and statements for all disputed accounts, per FCRA 1681g ( a ) ( 1 ).

Legal Basis Under FCRA 1681i ( a ) ( 1 ), CRA 's must investigate disputes within 30 days and correct unverifiable information. Failure to do so violates FCRA 1681e ( b ), which requires reasonable procedures to ensure accuracy. See Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXXXXXX XXXX XXXX ), affirming that credit bureaus must conduct reasonable investigations. The unauthorized transfer of XXXX accounts may also violate FCRA 1681c-2, requiring blocking of information from unauthorized actions. 

Requested CFPB Action : Investigate CRAs failure to correct these inaccuracies. 
Compel CRA 's to update the accounts as requested and provide the requested furnisher procedures and account records. 
Ensure compliance with FCRA to prevent further harm to my credit. 

Enclosures Copy of government-issued ID and proof of address.

I trust the CFPB will act swiftly to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'13 Inquiries on Credit Report not authorized by me.  The following are the companies that requested my credit file from Transunion, Experian & Equifax without my consent.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
b'13 Inquiries on Credit Report not authorized by me.  The following are the companies that requested my credit file from Transunion, Experian & Equifax without my consent.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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