vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-02 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-02 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:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fund where released by check issuer same day XXXX XXXX held funds for 60 days as if check was fraudulent I will be filing a law suit after this because of this I have had many hardships couldnt pay my bills because I could not access my funds check is a treasury check and funds where disperse to bank immediately but bank chose to place my check on hold for no reason didnt notify me and just held my money for 60 days I have been put out and couldnt afford my medication during this waiting period and lost my vehicle due to this and Im just in disbelief

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae Bank , Inc. 
XXXX XXXX XXXX XXXXXXXX, DE XXXX Products/Services Involved : Education Loan / Student Loan Reporting Account Information : Erroneously being reported on the CRAs - Account # XXXX - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX - Reported Balance : Conflicting ( {$16000.00} / {$17000.00} written off / {$6000.00} past due ) Complaint, I previously filed a CFPB complaint Case No. XXXX, regarding Sallie Mae 's false reporting, inconsistent, and unverifiable information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. Since then, I have uncovered new evidence that further demonstrates Sallie Mae 's misconduct : Key Issues : 1. Conflicting Balance Information - Credit reports show three different balances simultaneously : {$16000.00}, {$17000.00} written off, and {$6000.00} past due. These contradictions are misleading and inaccurate under FCRA 623 ( a ) ( 1 ) ( A ).

2. Improper Charge-Off Reporting - The account is marked as Charge-Off month after month, which is duplicative and non-compliant with Metro 2 reporting standards .

3. Refunded Payment Reversal - I tendered a payment on XX/XX/XXXX, which Sallie Mae accepted with a " Payoff Confirmation '' showing the loan was satisfied. Sallie Mae, then issued a refund check for {$940.00} on XX/XX/XXXX, stating " YOU HAVE OVERPAID YOUR STUDENT LOAN '' but then reversed/canceled the check without explanation. This mishandling directly impacts the accuracy of the reported balance.

4. Sallie Mae securitized said loan into SMB Private Education Loan Trust 2022-B, where XXXXXXXX XXXX is Trustee and Sallie Mae is merely Servicer.

5. Despite these facts, Sallie Mae continues to report contradictory balances : 6. Inconsistent Reporting Across Bureaus - The account shows contradictory statuses including : - Profit and loss write-off - Dispute resolved subscriber disagrees - 26 % of payments on time - 2 missed payments These can not all be simultaneously true and without issuing an IRS 1099-C for canceled debt.

7. Failure to Provide Verification : - A direct furnisher dispute under FCRA 623 ( a ) ( 8 ) requesting business records, accounting, payment history, and transaction details. They have not provided the requested documentation. 

- In a XX/XX/XXXX letter, Sallie Mae admitted no 1099-C was issued, referred the alleged debt to a Third-party debt collector ( XXXX ), and claimed the matter " closed '' even though litigation is ongoing.

8. Harm : These reporting errors are affecting me financially, impairing my ability to obtain financing, and creating reputational and financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MO

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Transunion and Equifax XXXX XXXX for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) concerning the reporting of a bankruptcy account that is inaccurate, incomplete, and fraudulent. 

Details of Violations : 15 U.S.C. 1681e ( b ) Accuracy Requirements Experian is reporting a bankruptcy with incorrect and incomplete information, including an error in my name. 

The reporting is not based on the maximum possible accuracy standard required by law.

15 U.S.C. 1681b Permissible Purpose The alleged furnisher of this bankruptcy has confirmed they do not report to the credit bureaus. 

This means Experian, Transunion and Equifax has no legal basis or permissible purpose to continue reporting this account. 

Maintaining this entry constitutes fraudulent and unauthorized reporting.

15 U.S.C. 1681i Failure to Reinvestigate I previously disputed this account with Experian, Transunion and Equifax, demanding a reinvestigation.

Experian, Transunion and Equifax failed to properly investigate and continued to report the inaccurate bankruptcy. 

This violates my rights under the FCRA and places me at risk of fraud and financial harm. 

Harm Suffered : By reporting false and incomplete information, Experian, Transunion and Equifax is damaging my creditworthiness and exposing me to potential fraud. 

This false bankruptcy reporting has caused emotional distress, increased risk of identity theft, and interference with my ability to obtain credit and housing. 

Requested Resolution : I am requesting that the CFPB : Compel Experian, Transunion and Equifax to immediately delete the inaccurate bankruptcy from my credit file. 

Require Experian, Transunion and Equifax to provide documentation of their verification process, including the source of the bankruptcy entry. 

Investigate Experian, Transunion and Equifax for willful noncompliance and consider penalties under 15 U.S.C. 1681n.

Ensure I am provided a corrected copy of my Experian, Transunion and Equifax credit report. 

Supporting Evidence : Correspondence showing the alleged furnisher does not report to the credit bureaus. 

Evidence of incorrect personal identifiers ( wrong name ). 

Declaration : I affirm under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, Transunion and Equifax XXXX XXXX for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) concerning the reporting of a bankruptcy account that is inaccurate, incomplete, and fraudulent. 

Details of Violations : 15 U.S.C. 1681e ( b ) Accuracy Requirements Experian is reporting a bankruptcy with incorrect and incomplete information, including an error in my name. 

The reporting is not based on the maximum possible accuracy standard required by law.

15 U.S.C. 1681b Permissible Purpose The alleged furnisher of this bankruptcy has confirmed they do not report to the credit bureaus. 

This means Experian, Transunion and Equifax has no legal basis or permissible purpose to continue reporting this account. 

Maintaining this entry constitutes fraudulent and unauthorized reporting.

15 U.S.C. 1681i Failure to Reinvestigate I previously disputed this account with Experian, Transunion and Equifax, demanding a reinvestigation.

Experian, Transunion and Equifax failed to properly investigate and continued to report the inaccurate bankruptcy. 

This violates my rights under the FCRA and places me at risk of fraud and financial harm. 

Harm Suffered : By reporting false and incomplete information, Experian, Transunion and Equifax is damaging my creditworthiness and exposing me to potential fraud. 

This false bankruptcy reporting has caused emotional distress, increased risk of identity theft, and interference with my ability to obtain credit and housing. 

Requested Resolution : I am requesting that the CFPB : Compel Experian, Transunion and Equifax to immediately delete the inaccurate bankruptcy from my credit file. 

Require Experian, Transunion and Equifax to provide documentation of their verification process, including the source of the bankruptcy entry. 

Investigate Experian, Transunion and Equifax for willful noncompliance and consider penalties under 15 U.S.C. 1681n.

Ensure I am provided a corrected copy of my Experian, Transunion and Equifax credit report. 

Supporting Evidence : Correspondence showing the alleged furnisher does not report to the credit bureaus. 

Evidence of incorrect personal identifiers ( wrong name ). 

Declaration : I affirm under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.

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 2025-10-02 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Despite my clear request, along with my identification documents required by law and the submission of an identity theft report, ChexSystems responded with a generic statement that the want a letter from the social security administration and explanation why social security number variances are listed on my report. This response is unacceptable and demonstrates a blatant disregard for credit reporting laws and my rights as a consumer. ChexSystems have failed to provide the requested validation or documentation to prove the debt is mine, especially in light of my identity theft claim is the reason why information listed shows information thats not mine. Legally ChexSystems cant ask for additional documents outside of United States legal documents of proving my identity. This lack of investigation and validation violates the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws.

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 2025-10-02 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:
I am disputing fundamental inaccuracies in my entire credit file due to a " mixed file '' and severe account errors. The credit bureaus are reporting my personal information incorrectly, including my date of birth and my name in multiple variations. This core failure has led to the following specific, serious violations : XXXX. Duplicate Reporting ( XXXX  ) : The XXXX  auto loan is reported XXXX as an installment account and XXXX  as a collection accountfor the same debt. 
XXXX. Inaccurate Account ( All Bureaus ) : The XXXX XXXX bank credit card is reported as closed with a balance that exceeds the original credit limit. This is a mathematical impossibility. 
XXXX. Incomplete Information ( All Bureaus ) : The XXXX account is reported as derogatory but with a missing and incomplete payment history, making the status unverifiable. 

I have sent formal dispute letters via certified mail to their legal departments. The bureaus are violating the FCRA by failing to maintain reasonable procedures for accuracy and completeness.

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 2025-10-02 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 seven years.

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.

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 2025-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CORELOGIC INC
State: MO

Complaint narrative:
According to XXXX the Credco is 3rd party mortgage agency ran my credit twice for rehab mortgage, I'm unaware of the signed credit authorization for Credco to run my credit for rehab mortgage are misleading and time wasters.

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 2025-10-02 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 disputes to all XXXX  credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX XXXX  Balance : {$1400.00}

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