vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 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:
This letter serves as a formal demand for deletion of multiple derogatory accounts that remain on my credit reports, despite my previous disputes and complaints filed with both your agencies and the Consumer Financial Protection Bureau ( CFPB ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to conduct a reasonable reinvestigation of any disputed information to determine whether it is inaccurate. However, you have failed to do so. Instead, your agencies have merely forwarded my disputes to the data furnishers and accepted their response without question or further inquiry.

In responses to my prior CFPB complaints, your agencies explicitly stated that you simply relayed the dispute to the furnisher and did not conduct any independent verification. This constitutes a direct violation of federal law. The FCRA requires more than passive forwarding it demands a reasonable and fair reinvestigation. 

The courts have affirmed this in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX  ), where it was held that a credit reporting agency may not rely solely on the data furnishers verification and must itself make a reasonable effort to determine accuracy.

Because you failed to properly investigate and relied solely on the furnishers word and further acknowledged this in writing via your CFPB complaint responses I am demanding the immediate deletion of the following derogatory accounts from all three credit bureaus : 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 Your failure to conduct a proper reinvestigation has caused ongoing damage to my creditworthiness, and emotional distress, and is actionable under 15 U.S.C. 1681n & 1681o for willful and negligent noncompliance.

If these items are not deleted immediately, I will pursue legal remedies and request further enforcement action through the CFPB, state attorney general, and other applicable authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Subject : Repeated Failure to Investigate and Correct Inaccurate Credit Reporting I am filing this formal complaint against the credit reporting agencies and data furnishers for their ongoing failure to correct inaccurate, incomplete, and unauthorized information on my credit report, despite three separate disputes.

Background : I have submitted two previous disputes, first to the original creditor/debt collector and then directly to the credit bureaus, regarding the following inaccurate items. It has now been over 35 days since my initial dispute, and the disputed accounts and inquiries remain unchanged and unmarked as disputed, violating multiple provisions of federal law.

Violations : The following federal statutes have been violated : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires furnishers to notify credit bureaus when an account is disputed by the consumer.

15 U.S. Code 1692e ( 8 ) Prohibits debt collectors from reporting information to credit bureaus without indicating the account is disputed by the consumer.

15 U.S. Code 1681i Requires a reasonable reinvestigation of disputed information within 30 days. 

Disputed Items : Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Unauthorized Credit Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( duplicate ) XXXX XXXX XXXX  Inaccurate Account Reporting Charge Off XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are not properly marked as disputed and continue to be inaccurately reported, despite my submission of supporting documentation and dispute history. The failure to update, investigate, or correct this information has caused harm to my creditworthiness and reputation with potential creditors and employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint as a follow-up to a previous complaint filed against Sallie Mae , in which I requested a copy of my signed promissory note and any documentation supporting Sallie Maes claim that I am ineligible for further in-school deferment due to a 48-month cumulative limit. 

Sallie Mae responded to my original complaint by sending me a copy of my original promissory note. After carefully reviewing this document, I can confirm : There is no mention anywhere of a 48-month deferment cap.

There is no clause stating that repayment will begin automatically after 48 months in deferment. 
Sallie Mae has not produced any addendum or signed documentation that reflects this 48-month policy.

Despite this, Sallie Mae has continued to demand immediate payment and is threatening to negatively report to the credit bureaus within days. This action is based solely on an internal policy that was not disclosed or agreed to in my loan documents. At no point have I fallen below half-time enrollment or defaulted. 

Additionally, the deferment periods appear inconsistent, with an unexplained 3-month deferment and an unexplained 14-month gap between two listed periods. There is no documentation showing that I applied for or was informed of this schedule. It seems retroactively constructed to support an internal policy that I never signed or agreed to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I am requesting the removal of a XXXX loan account with a balance of {$100000.00} that was fully discharged under the XXXX v. XXXX class-action settlement. 

On XX/XX/year>, I received an official letter from the U.S. Department of Education confirming that my loans had been discharged because the school I attended was found to have made substantial misrepresentations and violated state consumer protection laws. 

I filed a formal dispute with Experian XXXX XXXX XXXX XXXX  ] in XX/XX/year>, providing my discharge letter as supporting documentation. 

The credit bureau responded that they had completed their FCRA investigation but concluded with the remark : Consumer Disagrees. 

This account is still inaccurately listed on my credit report, reflecting a balance of {$100000.00} even though the Department of Education has officially discharged the debt.

I submitted another dispute on XX/XX/year>, and there has been no resolution.

I am requesting that this account be : Completely removed from my credit report OR Updated to reflect a {$0.00} balance and marked as Discharged or Forgiven Attached is a copy of the official discharge letter issued by the Department of Education as proof. 

This continued inaccurate reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting the CFPB to investigate and take appropriate action to ensure this error is corrected immediately.

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 2025-07-26 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 submitted a factual dispute to TransUnion for an inaccurate account reporting on my credit file. In my dispute, I provided detailed factual inconsistencies including wrong dates, incorrect balances, and inaccurate account status. TransUnion has not taken appropriate actionno correction, deletion, or investigation results were provided to me. The account is still being reported and affecting my credit unfairly, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-26 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$33000.00}

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
Consumer complaint received 2025-07-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I ( XXXX : XXXX ) commented on a XXXX XXXX XXXX XXXX muffler listing in the XXXX XXXX At approximately XXXXXXXX XXXX I was contacted via XXXX from XXXX ( XXXX ) XXXX by someone impersonating the original seller. They offered to sell me mufflers for {$800.00} shipped, provided specific payment and shipping details, and mimicked the identity of the real seller to appear legitimate. 

I was instructed to send the payment in two parts due to XXXX limits : {$500.00} via XXXX to XXXX XXXX ( email : XXXX ) at XXXX XXXX  {$300.00} via XXXXXXXX XXXX  to XXXX ( XXXX ) XXXX at XXXXXXXX XXXX The scammer also used other aliases and emails, including XXXX and XXXX, and gave a fake shipping address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. After receiving the funds, they became evasive and never shipped anything. 

I filed a police report with XXXX XXXX Police Department ( XXXX # XXXX ) and submitted all documentation to Chase, including screenshots, payment confirmations, and contact info used by the scammer.

Despite this, Chase denied my XXXX claim and closed it without allowing me to upload evidence. They stated the transaction was not unauthorized, even though it was clearly fraud by misrepresentation and impersonation. The scammer tricked me into believing I was dealing with a legitimate seller.

Company response to consumer: Closed with explanation