vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXXccount is shown in collection on TransUnion and Experian only Secured loan Account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  account is showing late payment history on Experian and TransUnion only Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX account is shown in collection on TransUnion and Experian only also showing late payment history on Experian only Secured loan Account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX account is showing late payment history on Experian and TransUnion only which is being inconsistently reported among the national credit bureaus.

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 2025-06-24 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: FL

Complaint narrative:
I have made multiple complaints to the credit agencies about the same issues. The names and address are incorrect on my account and are still showing up. i have accounts that are not mines.

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 2025-06-24 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 have made multiple complaints to the credit agencies about the same issues. The names and address are incorrect on my account and are still showing up. i have accounts that are not mines.

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 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: FL

Complaint narrative:
In XXXX  XXXX, I took out a Sallie Mae student loan with my mother as a cosigner. However, my father was the one actually making payments on the loan, and his contact information was supposed to be listed as the primary contact. Despite this, Sallie Mae failed to notify the correct party about the payment schedule and delinquency status. As a result, no one in my family was aware that payments were due, and the loan went 90 days delinquent without warning. 

Because of this communication failure, my XXXX XXXX loan was never disbursed, and I now have an unpaid balance of {$8600.00} at my university. This has led to a financial hold on my account, and I am currently unable to register for XXXX  XXXX classes. My education is now on the line because of a servicing error that could have been prevented if Sallie Mae had contacted the correct individual. 

When I called Sallie Mae to explain the situation, I was met with blame and dismissiveness. I was told that monthly statements were sent, but they were not sent to the person actually responsible for making payments. I requested a review and was told there was nothing that could be done and that my only option was to find another cosigner after the damage was already done. 

I am filing this complaint because I am seeking a fair resolution. My goal is to have my loan reinstated or re-approved so I can continue my education. This delinquency was not due to negligence, but to Sallie Mae 's failure to communicate with the appropriate party. I am asking the CFPB to investigate this servicing failure and assist me in obtaining a path forward so I am not forced out of school due to a preventable issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: OH

Complaint narrative:
Do not recognize that inquiry XXXX ( Bank ) XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I attempted to dispute an account with TransUnion that is reporting inaccurately. The account is a XXXX auto loan ( ending in XXXX ) that shows a charge-off status. TransUnion blocked me from submitting the dispute online, even though this is a different account than one I previously disputed. I believe this violates the Fair Credit Reporting Act ( FCRA ) and prevents me from exercising my consumer rights under Section 611.

Im requesting a full investigation into this account, and if it can not be verified with proper documentation, I request its immediate deletion.

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 2025-06-24 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: GA

Complaint narrative:
I am formally disputing a hard inquiry reported on my Experian credit report by XXXX XXXX XXXX dated XX/XX/year>. I never initiated any application or authorized this creditor to access my credit profile. This inquiry was made without my permission and is an unlawful access to my private financial data. As outlined under Section 604 of the Fair Credit Reporting Act, a credit bureau must not allow access to consumer reports without a permissible purpose and explicit consumer authorization. Experian has a duty under Section 607 ( a ) to ensure that only legitimate entities with a legal basis and consumer consent can access a credit file. This inquiry is neither justified nor legal, and it reflects negatively on my report despite my having no involvement with this entity.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
I applied for a personal loan through SoFi and was approved. I submitted multiple forms of identity verification, and at one point was told by a SoFi representative that I could upload a final ID document the next day to complete the process. However, the system automatically denied my application before I had a chance to re-upload my ID even though I was already approved and cooperating in good faith. 

The denial was not due to my credit, but purely an identity verification failure caused by miscommunication on their end. Despite this, SoFi placed a hard inquiry on my credit report. This negatively impacted my credit score even though my application was never fairly completed or evaluated.

I contacted customer service several times and was told there was nothing they could do. I am requesting that SoFi acknowledge this mistake and either remove the hard inquiry from my credit file or work with the credit bureaus to have it removed. I believe I was misled and not given a fair opportunity to complete the loan process despite being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC
State: TX

Complaint narrative:
I made a payment over the phone with a representative from EMVLP on XX/XX/XXXX for the payment due XX/XX/XXXX. In XXXX I received a letter stating that the loan was being transferred to XXXX and that all payments after XX/XX/XXXX would need to be made to XXXX. I made the XXXX payment to EMVLP on XX/XX/XXXX and the XXXX XXXX on XX/XX/XXXX. The XXXX and XXXX payments were made to XXXX. I did not find out that there was a late payment reporting to the three bureaus until I applied for another loan in XX/XX/XXXX. I immediatly called and asked for a payment history from both companies. XXXX sent me a history and I noticed that they did not show a payment made in XXXX to EMVLP. I called EMVLP and they told me the loan wasnt theirs anymore and they couldnt help me. I have since discovered that for some reason, EMVLP never processed the payment through my bank in XXXX, I have no idea why this happened but I have never had a 30 day late on any qccount with this company over the five years that I have been with them. Both EMVLP and XXXX are reporting this loan to the credit bureaus as an active loan with a balance which is false. EMVPL should be reporting closed, transferred with a XXXX balance as of XXXX. XXXX is reporting the account as active and open with a 30 day late in XXXX which is also not correct. ALL of this violates the FCRA and I would like the companies to correct all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive been on hold for 4 and a half hours and no one has answered. A hold was placed on funds on my account and I have not gotten a reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX  XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed formal written disputes to both Experian and XXXX regarding inaccurate information on my credit report. Specifically, I disputed the reporting of a charge-off by XXXX XXXX XXXX XXXX related to an auto loan account. The vehicle was repossessed on XX/XX/XXXX, yet both credit bureaus are reporting it as a charge-off dated XX/XX/XXXX, which is factually incorrect and misleading. 

As of today, XX/XX/XXXX, I have received no response or investigation results from either Experian or XXXX This failure to respond violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that disputes be investigated and resolved within 30 days. 

I am requesting that the CFPB investigate this matter and ensure that both credit bureaus correct the inaccurate reporting or remove the account from my report entirely if they can not verify it. I have attached copies of my original dispute letters and supporting documents proving the date of repossession. 

This inaccurate reporting is causing harm to my credit profile and financial standing. I would appreciate a prompt resolution to 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 explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consum
er is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report cont
aining any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: VA

Complaint narrative:
I went online to get my Free LexisNexis Consumer Reports and I request it XXXX times and still have not received them? The first time I called them was XX/XX/2025 to check the status when they were going to send my FREE consumer reports. I first do it online to request for my consumer reports, but when it got sent out the link was invalid??? Then I ask for another one ; they told me they were going to send me ALL my consumers reports to me by printing it out for me? Did I get it? NOPE. Is it because I already did my W4 audit for remittance coupons and sent it to the United States Treasury? Maybe? Here are the case numbes and notes I took when I spoke them. 

Case Number : # XXXX XX/XX/XXXX Consumer report was sent out?? Spoke to XXXX at XXXX XXXX 

Case Number : # XXXX XX/XX/2025 that it will take XXXX business days Case Number : # XX/XX/2025 Talk to XXXX at XXXX XXXX  to LexisNexius about not recieving my FREE Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is currently listing my name as XXXX XXXX XXXX XXXX, which is not my full or accurate legal name. This variation, while similar, is incorrect and does not match the official legal name used on my government-issued identification, financial records, and legal documents. My only legal name is XXXX XXXX , with a hyphen between XXXX and XXXX. The inaccurate spacing and insertion of a middle initial A may result in misidentification and errors in credit matching and reporting. This constitutes a failure to ensure maximum possible accuracy as required by FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, FTC REPORT NUMBER : XXXX ( XX/XX/XXXX ) This letter is a formal dispute regarding numerous fraudulent accounts and unauthorized inquiries reported under my name and Social Security Number. I am submitting this dispute in conjunction with a filed report to the Federal Trade Commission ( FTC ) for identity theft and data misuse. 
These accounts and inquiries were not initiated or authorized by me, and their presence on my consumer file violates my federally protected rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ). 
DISPUTED ACCOUNTS XXXX XXXX  Account XXXX XXXX XXXX Routing XXXX XXXX XXXXXXXX Account Type : Checking & Savings Incident Date : XX/XX/XXXX Reason : Fraudulent account Bank of America Account # : XXXX Routing XXXX : XXXX Reason : Fraudulent account UNAUTHORIZED CREDIT INQUIRIES The following inquiries were made without my knowledge, consent, or written instruction, violating 15 U.S.C. 1681b ( 604 A Section 2 ) : 1. [ Creditor Name ] [ Date ] ( Add here as needed ) LEGAL GROUNDS FOR DISPUTE Under federal law, the accounts and inquiries listed above are in violation of my rights : 15 U.S.C. 1681 Section 602 ( A ) : Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681b ( 604 A Section 2 ) : No report may be provided without written instruction from the consumer.

15 U.S.C. 6802 ( a ) ( b ) : Financial institutions must provide notice and the right to opt out before disclosing personal information to third parties.

15 U.S.C. 1681c ( a ) ( 5 ) : No report shall contain adverse information more than 7 years old.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Furnishers must not knowingly report inaccurate information.

DEMAND FOR ACTION Accordingly, I demand : 1. Immediate deletion of all the above accounts and inquiries from my credit file. 2. Written confirmation of removal within 30 days from the
date of receipt, per FCRA.

3. A full reinvestigation and documentation of how these entries were added to my report.

If these fraudulent and unauthorized items are not removed in a timely manner, I reserve the right to take further legal action.

Please confirm in writing that these items have been deleted and that my file has been corrected. A copy of my ID and FTC Identity Theft Report is enclosed [ if applicable ]. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation