vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am listed as an authorized user on this account and therefore not legally responsible for the debt. This account is being reported as derogatory/charged-off, which is inaccurate under FCRA guidelines. 

In addition : Credit limit inconsistencies : Equifax reports {$0.00}, while TransUnion reports {$500.00}. 
Date discrepancies : Date last active differs between bureaus.

Inaccurate balance : Past due amount of {$930.00} exceeds reported credit limit.

Incomplete payment history across bureaus.

Please remove or correct this account immediately under the Fair Credit Reporting Act ( FCRA ) due to these inaccuracies.

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 2025-07-17 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: NJ

Complaint narrative:
I am listed as an authorized user on this account and therefore not legally responsible for the debt. This account is being reported as derogatory/charged-off, which is inaccurate under FCRA guidelines. 

In addition : Credit limit inconsistencies : Equifax reports {$0.00}, while TransUnion reports {$500.00}. 
Date discrepancies : Date last active differs between bureaus.

Inaccurate balance : Past due amount of {$930.00} exceeds reported credit limit.

Incomplete payment history across bureaus.

Please remove or correct this account immediately under the Fair Credit Reporting Act ( FCRA ) due to these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX military and have been since XXXX. I have three private loans with Sallie Mae totaling approximately {$50000.00}. 

In XX/XX/XXXX, I informed Sallie Mae that I was enrolling in graduate school starting XX/XX/XXXX and would be submitting in-school deferment. I submitted the deferment forms on time, before my class start date. 

Sallie Mae failed to process the deferment promptly. As a result, on XX/XX/XXXX, they reported all three loans as 60 days past due to credit bureaus even though the deferment had been submitted and, per their own statements, will be retroactively applied once processed. The negative marks dropped my credit score to XXXX, and the damage was done. 

Additionally, Sallie Mae has denied every hardship relief request Ive submitted over the past 7 months. Despite being in active military service, experiencing financial hardship, and unable to afford a XXXX XXXX  monthly payment, Ive been told by more than XXXX different representatives, supervisors, and collections agents that no programs are available. Even after I completed a full financial profile, one of their loan officers agreed that I could not afford the payment, yet I was again denied forbearance or relief. 

Sallie Mae has instructed me to either make payments I can not afford or let the account go to charge off at 120 days, despite knowing I am military, in school, and financially overwhelmed. This is not just negligence it is systemic mistreatment of borrowers and ignores the SCRA spirit and fair lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank ( JPMCB ) for continued violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB regulations. Despite submitting multiple disputes, JPMCB continues to report inaccurate, incomplete, and unverifiable derogatory information across all three credit bureaus.

The account status is listed as charged off or written off, yet JPMCB is actively garnishing my wages, which is contradictory and misleading. Furthermore, the payment history from 2019 through today is full of N/A ( not available ), which violates FCRA 1681e ( b ) s requirement for maximum possible accuracy.

I was never served with court documents or allowed to appear before garnishment began, which violates my due process rights. I was also financially impacted by XXXX and related natural disasters, and no forbearance or CARES Act protection was offered or honored. 

JPMCB failed to respond to my XXXX dispute requests with the required validation documentation. They continue to harm my credit, financial opportunities, and well-being. I request immediate deletion and regulatory enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA XXXX and XXXX, you must provide a complete investigation and validation of these accounts within XXXX  days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. XXXX XXXX BALANCED {$260000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXX * * * * Balance : {$820.00} XXXX XXXX XXXXXXXX XX/XX/year>

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 2025-07-17 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: GA

Complaint narrative:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA XXXX and XXXX, you must provide a complete investigation and validation of these accounts within XXXX  days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. XXXX XXXX BALANCED {$260000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXX * * * * Balance : {$820.00} XXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. Under USC 1681g, I am formally requesting that they be removed within 15 days. All necessary supporting documents have been included for your review. Furthermore, the information reported varies and contains discrepancies across the major 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 explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL
activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4

. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
account opened with XXXX XXXX Bank in XXXX Hard Inquiry inquired with XXXX XXXX XXXX  in XXXX Hard inquiry inquired with XXXX XXXX  in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
account opened with XXXX XXXX Bank in XXXX Hard Inquiry inquired with XXXX XXXX XXXX  in XXXX Hard inquiry inquired with XXXX XXXX  in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
on my credit report i see 11 installments of higher education loans that were reported 1 month ago all 11 are dated XX/XX/year>. the loan states Missouri Higher Education Loan, I never stepped foot in Missouri and i never even went to Missouri ever nor did i ever do higher education, i only did XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. i have my education transcript papers, and i believe that my identity has been stolen, the house listed as my current was also incorrectly changed and the loans were added recently a month ago suggesting identity theft has occured how can i change my social security, i saw this when i logged into my equifax when my current address was listed as previous and a new address i had never been to or lived at was listed as current, then i saw XXXX installments of loans from out of state i only lived in kentucky my whole life in XXXX, i have lived in kentucky my whole life in the 18 years after naturalization, i think someone stole my identity to get loans for their higher education in a state i do not live in nor have i ever stepped foot in missouri, please help get these loans off of my credit report on equifax these do not belong to me, please help get these off of my account i never went to any higher education XXXX XXXX XXXX  help me fix this incorrect address issue and this incorrect loans that are not legally mine i am not legally obligated to have this on my credit report i can not legally pay for someone elses loans in a state i have never even been in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
My credit history reflects a pattern of responsible financial behavior. The recent appearance of a collection account that I do not recognize is both shocking and erroneous.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
Excessive overdraft fees XX/XX/2025 {$36.00} for amount of {$6.00}, {$36.00} for amount of {$5.00}, {$36.00} for amount of {$4.00}, XX/XX/XXXX, {$36.00} for amount of {$6.00}, XX/XX/2025 {$36.00} for amount of {$8.00}, {$36.00} for amount of {$15.00}, {$36.00}, for amount of {$10.00}. Complaining to management got me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
I am submitting this complaint because I am the victim of identity theft, and despite submitting three prior disputes to the credit bureau, including an FTC Identity Theft Report, and a detailed written statement, the credit reporting agency has failed to delete the fraudulent and inaccurate information from my report as required by law.

The FCRA ( 605B ) clearly mandates that any data resulting from identity theft must be blocked within XXXX business days once proper documentation is received. I have submitted everything requiredincluding proof of identity, my FTC report, and specific identification of fraudulent accountsand yet the same inaccurate and damaging information remains. 

To date, they have verified items without providing any original documentationno signed contracts, applications, or method of verification as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). This is not only unacceptable but a willful violation of federal consumer protection law.

Specifically, the following remain on my credit file despite repeated disputes : Two fraudulent accounts from XXXX XXXX XXXX An unauthorized account from XXXX  XXXX Multiple inaccurate addresses and names At least two hard inquiries made during a time when a fraud alert was in place In addition to the FCRA violations, the accounts are inconsistent with XXXX XXXX formatting guidelines, displaying conflicting payment statuses and high balances across different bureaus. 

The continued presence of this false information is causing severe harm to my financial stability, creditworthiness, and peace of mind. I am urging the CFPB to intervene immediately and demand full deletion of the fraudulent and unverifiable entries, as required under FCRA 1681i ( 5 ). If the information can not be verified with original documentation, it must be removed.

This is now my fourth formal dispute and my first escalation through the CFPB. I am requesting swift resolution and full compliance with federal law. A delay in response or continued inaction would demonstrate a pattern of willful noncompliance and disregard for my rights under the 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 explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian Information Services LLC for its repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), failure to adhere to Metro 2 reporting standards, and bad faith non-responsiveness to multiple legally compliant disputes. Experians actions, and inactions, have caused significant financial and reputational harm, including a documented XXXX drop in my credit score, denial of credit opportunities, and emotional distress. Background On, XX/XX/year> I submitted formal disputes to Experian regarding multiple tradelines that contained material inaccuracies, unverifiable information, and Metro 2 reporting deficiencies. I provided detailed evidence supporting these claims and requested deletion or correction pursuant to FCRA 1681i ( a ) ( 1 ) ( A ). To date, Experian has failed to : Conduct a lawful reinvestigation within the required 30-day statutory timeframe. Provide any written response or method of verification for the disputed information. Correct or delete the materially inaccurate data. This failure constitutes willful non-compliance under FCRA 1681n and 1681o and exposes Experian to liability for actual, statutory, and punitive damages. Disputed Accounts ( Still Reporting Inaccurately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Violations Identified FCRA Violations : XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) Failure to reinvestigate disputed information within 30 days. 1681i ( a ) ( 5 ) ( B ) Re-insertion of the XXXX XXXX XXXX XXXXXXXX without required consumer notice after prior deletion. 1681s-2 ( b ) Furnishers failed to conduct reasonable investigations and correct errors. Metro 2 Data Reporting Violations : Failure to apply Compliance Condition XXXX XXXX during disputes. Improper or missing Date of XXXX XXXX ( XXXX ) causing unlawful re-aging. Reporting monthly payment amounts on charged-off accounts ( Metro 2 Field 24 violation ).

Conflicting account closure statuses and inaccurate balances. Pennsylvania State Law Violations : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Practices and Consumer Protection Law ) Continuing to publish false and misleading information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting unverifiable data to the detriment of the consumer.

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 2025-07-17 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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