vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the following information regarding my credit report. I believe there are errors related to the listed charged-off accounts. Please review the details of the disputed accounts below : CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$960.00}

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 explanation
Consumer complaint received 2025-11-27 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: IN

Complaint narrative:
I contacted Sallie Mae in regards to having my student loan discharged/forgiven due to the fact that The XXXX XXXX XXXX XXXXXXXX was closed back in XXXX and also sued for misconduct. Sallie Mae then connected me to their quality assurance department where I was assigned a XXXX  XXXX who sent me the form to apply for Discharge of student loan for closed schools. I submitted that form along with all the supporting documents requested by Sallie Mae on XX/XX/XXXX. They contacted me once again to submit further information which I did on XX/XX/XXXX. Since then I have contacted Sallie Mae almost everyday with no communication from their quality assurance department thats handling the form I filled out for discharge of my loans with them. The customer service has all the notes of my calls, supervisors and managers from the customer service department and their escalation department have tried to contact the Quality Assurance Department to have them reach out to me in regards to my application to have the loan discharged and nothing has come of it. It has been over four months with no outcome. Its clear the company Sallie Mae offers discharge to their customers that are facing the situation I am facing with my school being closed yet they do not want to communicate to give me further information about what is going on in my case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by XXXX XXXX on my credit reports. XXXX is reporting a charge off with inconsistent, incomplete, and unverifiable information. This account has been closed for several years, but Experian continues to show new and ongoing charge-off notations for multiple recent months. This is not permissible under the FCRA. 

XXXX has failed to provide accurate dates, including the Date of First Delinquency ( DOFD ), which determines the seven-year reporting period. Because the DOFD is missing or incorrect, the reporting can not be verified for accuracy or completeness. The account also shows multiple different statuses across the bureaus and inconsistent balance amounts. 

The continued updating of a closed, charged-off account as if new delinquencies occurred is materially misleading and results in unlawful credit damage. I am requesting that XXXX either validate the full and correct reporting history, including the original DOFD and all supporting documentation, or remove the account entirely from all credit bureaus. If XXXX can not verify the information with proper documentation, the FCRA requires deletion. 

Please assist in resolving this matter. I am requesting a full investigation and correction or removal of the tradeline.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the following charged-off accounts, as they appear on my Equifax credit report. The accounts listed below either contain inaccurate information or do not belong to me. I request that these accounts be thoroughly investigated for accuracy and corrected if necessary. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries : I am also disputing the following inquiries listed on my credit report, as they were unauthorized or do not reflect my current credit situation. 

XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Late Payments : The following late payments are being disputed for accuracy. These payments may not reflect my actual payment history. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding.

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am requesting that you review and dispute the inaccuracies in my Experian credit report. The following accounts have errors that I believe violate the Fair Credit Reporting Act ( FCRA ), and I am also concerned about a possible data breach. Please investigate these matters and correct any mistakes promptly.

Disputed Accounts on Experian Report : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Type : Revolving Balance : {$200.00} Account Status : Positive Violations : FCRA Violation : This account is inaccurately reported, and discrepancies exist regarding its balance and payment history. 
Data Breach : I am concerned that the personal data associated with this account may have been compromised. 
2. DEPT OF EDUCATION/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : U.S. Department of Education Account Type : Installment Balance : {$15000.00} Account Status : Positive Violations : FCRA Violation : This account should be reviewed for accurate balance and payment history. There are discrepancies that need correcting.

Data Breach : Please confirm that no data breach has occurred that may have affected this accounts accuracy.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau.

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$26000.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hold no ties to these accounts ; deletion within 15 days is required according to USC 1681g.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this formal complaint regarding inaccurate, misleading, and unverifiable information being reported on my credit file by multiple furnishers and credit reporting agencies. These erroneous entries have caused severe damage to my creditworthiness, reputation, and financial standing. Despite my previous disputes with the credit reporting agencies, these issues have not been adequately investigated or corrected, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ), 611 ( a ), and 623 ( a ). 

First, my credit report lists XXXX addresses that are completely incorrect and not associated with me in any way : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, or been affiliated with these addresses. The presence of these addresses suggests a failure to properly verify consumer information and a potential case of mixed or merged credit files, which violates FCRA Section 607 ( b ) requiring credit reporting agencies to ensure maximum possible accuracy of all information reported. 

Additionally, the following accounts are being falsely and inaccurately reported : XXXX ( Account # XXXX ) showing a XXXX XXXX with a high balance of {$170000.00}, opened on XX/XX/XXXX. This account is not mine, and I have no contractual or financial relationship with this creditor. 

XXXX XXXX XXXX  ( Account # XXXX ) reported as a Charge Off with a balance of {$24000.00}, opened on XX/XX/XXXX. This information is false, unverified, and damaging. 

XXXX ( Account # XXXX ) reported with Late Payments and a high balance of {$2200.00}, opened on XX/XX/XXXX. I have no recollection or record of ever holding an account with this company. 

XXXX ( Account # XXXX ) reported with Late Payments and a high balance of {$1700.00}, opened on XX/XX/XXXX. This is another unverifiable account that should not appear on my file. 

XXXX ( Account # XXXX ) reported with Late Payments and a balance of {$630.00}, opened on XX/XX/XXXX. This listing is inaccurate and appears to be completely erroneous. 

Under the FCRA, data furnishers and credit reporting agencies are legally obligated to maintain and report only accurate, verifiable, and up-to-date information. Reporting unverifiable or false data violates my consumer rights under FCRA Sections 602 ( A ), 607 ( b ), and 611 ( a ). Furthermore, failure to conduct a reasonable investigation after being notified of a dispute constitutes willful noncompliance under FCRA Section 616, which is grounds for legal action and damages.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute several inaccuracies present on my credit report from the three credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Below, I have separated the accounts in dispute for each bureau. 

Charged Off Accounts : XXXX XXXX XXXX  Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX Account # XXXX, Date Opened XXXX XXXX Balance : {$20.00} XXXX XXXX Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX  Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXX  Account XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} TARGET/TD - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} UNAUTHORIZED COLLECTION - Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX, Balance : {$1900.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report due to discrepancies related to charged-off accounts, inquiries, and late payments. Please investigate these items for accuracy and remove any errors. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX. I have an issue with the information on my credit report. Im feeling this complaint becauseXXXX XXXX XXXX is reporting inaccuracies and/or unverifiable information to Experian regarding the secured loan account. This is above. I opened this account on XX/XX/year>, but quickly realized it was not the product I needed, and the account was closed at my request. XXXX XXXX XXXX is reporting a history of severe late payments 30, 60, 90, 120 and 150 days past due for this account I dispute the accuracy and completeness of this specific payment history for the most the same creditor XXXX XXXX XXXX report a separate credit card account on my file, which shows a pay close never late status this conflict information about my payment history and the same company is confusing and indicate a high like I of inaccurate data punished under the fair Credit Report Act ( FCRA ) I have already attempted to dispute this directly with the credit bureau

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX. I have an issue with the information on my credit report. Im feeling this complaint becauseXXXX XXXX XXXX is reporting inaccuracies and/or unverifiable information to Experian regarding the secured loan account. This is above. I opened this account on XX/XX/year>, but quickly realized it was not the product I needed, and the account was closed at my request. XXXX XXXX XXXX is reporting a history of severe late payments 30, 60, 90, 120 and 150 days past due for this account I dispute the accuracy and completeness of this specific payment history for the most the same creditor XXXX XXXX XXXX report a separate credit card account on my file, which shows a pay close never late status this conflict information about my payment history and the same company is confusing and indicate a high like I of inaccurate data punished under the fair Credit Report Act ( FCRA ) I have already attempted to dispute this directly with the credit bureau

Company response to consumer: Closed with non-monetary relief