vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
In XXXX XXXX, I received a notice from Sallie Mae stating that a student loan had been approved and disbursed. I began making the required XXXX XXXX  monthly fixed payments under what I understood to be a valid agreement. However, I recently discovered a second letter from Sallie Mae dated XXXX XXXX XXXX stating that my application had been denied due to limited credit experience and that I would need a cosigner. This contradictory communication was never explained to me, and I only found the denial letter recently while reviewing my loan origination paperwork. Sallie Mae has never clarified how the loan could be both denied and disbursed, and I believe this raises questions about the loans legitimacy and transparency at origination.

In XXXX XXXX, I was working a paid internship and contacted Sallie Mae for help because I could not afford my monthly payments. I specifically asked about lower or graduated payments and was told that the only available option was forbearance, which would cause additional interest to accrue. I recently found out that I was actually eligible for a graduated repayment plan at the time, but Sallie Mae did not inform me of this option. They later acknowledged that they failed to mention it in the conversation and that it was only referenced in fine print at the bottom of a billing statement. By the time I learned about it, I was no longer eligible to apply. 

Since then, Ive contacted Sallie Mae numerous times over the past two years to request assistance. Each time Im passed from department to department, required to complete surveys or questionnaires, and then ultimately told I dont qualify for help or that the terms have changed. Any assistance they offer is quickly rescinded or made impossible to access. Despite trying to work with them in good faith, Ive received no meaningful relief. 

As of now, my monthly payment is {$410.00}. Im unable to afford this amount due to a serious, life-threatening medical condition that has left me with significant medical debt and unstable income. Ive been told by Sallie Mae that I must fall at least 60 days behind in payments in order to qualify for hardship assistance even though that would severely damage my credit and worsen my financial situation. This policy effectively forces borrowers to default before being allowed to access help. 

I have asked for affordable options, loan review, or any alternative plans multiple times and been denied or misinformed. The companys inconsistent and misleading communication, failure to disclose available repayment plans, contradictory origination notices, and refusal to offer meaningful hardship options have caused lasting harm to my health, credit, and financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-27 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 noticed a charge-off account listed on my credit file that is not being reported accurately. The date of first delinquency appears to be incorrect, and the balance and payment history are inconsistent with my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed credit inquiries from a creditor and i tried to dispute them with XXXX XXXX XXXX, they said they wont let me dispute the inaccuracies because they are not allowed to.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Trans Union XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX  XXXX, XXXX XXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned  consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-06-27 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: FL

Complaint narrative:
I am a victim of identity theft. Some one has used my information to open these accounts. Ive never gave anyone permission or authorization to open these accounts

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 2025-06-27 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: FL

Complaint narrative:
I am a victim of identity theft. Some one has used my information to open these accounts. Ive never gave anyone permission or authorization to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 XXXXXX/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 2025-06-27 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : 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 Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax Despite my lawful request , you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX ( XXXX ) ACCORDING TO THE FEDERAL LAW, YOU AND THE DATA FURNISHERS ARE REQUIRED TO CERTIFY ALL ASPECTS OF FCRA AND METRO 2 COMPLIANCE. THIS CERTIFICATION MUST BE DONE TRUTHFULLY, ACCURATELY, COMPLETELY, AND IN A TIMELY MANNER TO ENSURE IT DOES NOT VIOLATE MY CONSUMER RIGHTS OR CIVIL LIBERTIES.

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 2025-06-27 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate, misleading, and unverified information on my credit report despite prior disputes. These actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ) and have resulted in harm to my credit profile. 

Below are the items in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is incorrect and has never been associated with me. Reporting inaccurate personal identifying information violates FCRA 602A and 607 ( b ), which require credit bureaus to ensure maximum possible accuracy of consumer information. 

XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX | Status : Charge Off | Balance : {$0.00} This account shows a {$0.00} balance yet is still listed as a charge-off. Reporting a charge-off on an account with no balance is misleading and misrepresents the true status of the debt. This violates FCRA 607 ( b ). 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX | Status : Charge Off | Balance : {$0.00} This is a duplicate of the XXXX account above. Reporting the same debt twice under different tradelines is deceptive and a clear violation of FCRA 607 ( b ) and 611 ( a ). 

XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Status : Late Payment | Balance : {$15000.00} This account has been reported with a late payment without proper validation. I requested documentation supporting the validity of this debt and its delinquency, but Equifax has failed to provide any evidence. This violates FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( a ). 

XXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX | Status : Late Payment | Balance : {$0.00} This account is closed or fully paid off, but Equifax continues to report a late payment. This is misleading and does not accurately reflect the current status of the account. It violates FCRA 607 by failing to ensure accurate and up-to-date reporting. 

Despite my formal disputes, Equifax has refused to remove or properly verify these items. I believe they are in clear violation of their legal duty to conduct a reasonable reinvestigation under FCRA 1681i and to maintain accurate consumer information under FCRA 607 ( b ).

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau investigate Equifax 's failure to comply with federal law. I demand the immediate deletion of the incorrect address, duplicate accounts, and any unverifiable or misrepresented derogatory items. If Equifax can not verify these items with original documentation from the furnishers, they must be permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XXXX XXXX I placed an order with XXXX in the amount of XXXX cents. The merchant 's carrier ( XXXX ) dropped the item in front of my door as I was pit ruining errands. 

I contacted XXXX Credit Karma, and started a dispute ( XXXX ) as well as provided a screenshot of the merchant stating they would refund me.After being advised I would receive a refund but nothing has been submitted on to my debit card. 

Merchant recived proof and is still refusing to refund me. 

XXXX   Credit Karma has also kept the investigation going for over 60day. With a decision date of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
I've 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 credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I began my mortgage process with Better Mortgage, who ordered an appraisal on my behalf. Later, I decided to continue my mortgage process with XXXX XXXX XXXX instead. In order to use the appraisal with my new lender, I paid Better the full amount for the appraisal, expecting to receive everything necessary to proceed.

Better sent me a XXXX of the appraisal report, but they did not include the supporting documents required by my new lender. I engaged in an email chain with XXXX XXXX and XXXX XXXX at Better to resolve this issue, but they refused to provide the missing documents. When I asked whether it was Betters legal position that the requirement to provide a buyer with a copy of the appraisal does not include all supporting documents needed to close with another lender, they responded by stating they did not appreciate being threatened with legalities. I was simply asking for clarification on their policy. 

The next business day, they sent additional documents, but they still withheld the XXXX ( XXXX XXXXXXXX XXXX  ) compliance certificate, which is necessary for my new lender to accept the appraisal. As of today, XX/XX/XXXX at XXXXXXXX XXXX, despite my initial request for the complete appraisal documentation on XX/XX/XXXX at XXXXXXXX XXXX, XXXX has still not provided the XXXX compliance certificate. 

This has caused unnecessary delays in my mortgage process, creating financial and logistical challenges. I am requesting that Better Mortgage immediately release the XXXX compliance certificate and any other appraisal documentation required by my new lender, as I have already paid in full for this appraisal. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-27 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: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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