vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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 previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
Sallie Mae refuses to provide hardship-based repayment options, misrepresents delinquency status, and obstructs access to hardship review. 

I am a recent XXXX XXXXe, less than XXXX years out of XXXX, actively working XXXX  and making every effort to avoid default on my Sallie Mae XXXX XXXX loans. Despite experiencing financial hardship, Sallie Mae has refused to offer me any repayment plan beyond the unaffordable XXXX XXXX XXXX ( XXXX ), which does not address my hardship and will lead to financial collapse. 

I and my co-signer have called Sallie Mae multiple times, including Early XXXX, XXXX and on XX/XX/year> and XX/XX/year>, to request referral to the hardship department. In both cases, representatives either promised to transfer me or said they could not do so because the computer didnt allow it. On XX/XX/XXXX, the call dropped before reaching the hardship department, and no follow-up was made by Sallie Mae . other than by automated emails referring me to the XXXX  and threatening me with legal action. 

I have made token payments in XXXX, XXXX, and multiple times in XXXX to demonstrate good faith, yet Sallie Mae has continued to classify my account as delinquent. This is despite me actively engaging with them to resolve the matter. 

Sallie Mae denied my request for forbearance solely because I have not made XXXX full payments since my last relief period a barrier that is unreasonable given my current financial hardship. This policy forces borrowers into default rather than working with them. 

I have also filed multiple CFPB complaints on this matter. Sallie Maes responses have been dismissive and repetitive, claiming no new information despite new facts, including my recent calls, dropped transfers, and continued inability to access hardship review. 

On XX/XX/XXXX, I received a written notice from Sallie Mae stating : Your loan ( s ) is severely past due and, if it defaults, may be in jeopardy of legal action. Were currently evaluating your loan for legal action against you and/or any other applicable party on your loan. Wed prefer to avoid any potential legal action, so please call us immediately to set up acceptable payment arrangements and get your loan back to good standing. 

This threatening language was used despite my having made several payments in XXXX, XXXX, and XXXX, and while I was actively engaging with Sallie Mae to seek a sustainable resolution. 

They have now threatened to report me to the credit bureaus by XX/XX/year>, even though I have been making payments and actively attempting to resolve the situation. Their refusal to offer any sustainable repayment option, misrepresentation of my payment status, and obstruction of access to hardship review represent predatory servicing practices that harm borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AZ

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
On XX/XX/year>, I submitted a detailed written dispute to Experian documenting numerous inaccuracies and inconsistencies in my credit report. The disputed items included : XXXXXXXX XXXX XXXX XXXX XXXX  Accounts show Pays as Agreed yet also report XXXX delinquencies. Dates of last activity are inconsistent between bureaus. Action requested : Remove late payments and ensure deferment status is consistently applied. 

XXXX XXXX XXXX  ( Acct XXXX XXXX XXXXXXXX ) XXXX  and Experian show different dates of last payment than XXXX. Action requested : Correct date of last payment and ensure payment status accuracy. 

XXXX  XXXX ( Acct XXXX XXXX XXXXXXXX ) Late payments reported despite account showing Pays as Agreed. Action requested : Remove unverified late marks. 

XXXX XXXX XXXX ( Acct XXXX XXXX XXXXXXXX ) Status shows both Pays as Agreed and Was XXXX XXXX Late. Action requested : Reconcile or remove inconsistencies. 

XXXX XXXX XXXX XXXX XXXX  ( Acct XXXX XXXX XXXXXXXX ) Dates of last payment and last activity conflict between bureaus. Action requested : Align or delete unverifiable entries. 

XXXX XXXX ( Multiple Accounts ) Inconsistent open dates, balances, and account types ; some accounts missing from certain bureaus. Action requested : Remove duplicates and correct records. 

I provided Experian with : A copy of my passport A bank statement as proof of address Marked sections of my credit report highlighting the discrepancies Under 15 U.S.C. 1681i ( a ) ( 1 ), Experian had 30 days ( or 45 days with additional information ) to complete its reinvestigation and provide results. It is now well past this statutory deadline, and Experian has failed to : Provide final results of the reinvestigation Supply supporting documentation or evidence Correct or remove the disputed inaccuracies Because Experian did not respond within the legally required timeframe, the disputed information must be deleted immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Requested Action : Direct Experian to remove all disputed items that remain unverified due to their failure to reinvestigate in time. 

Require Experian to provide a complete record of its investigation and reasons for delay. 

Ensure stronger internal compliance with the FCRAs dispute resolution deadlines.

Experians negligence has allowed inaccurate and contradictory information to remain on my credit file, causing ongoing and unjustified harm to my credit standing.

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 2025-08-14 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting 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 explanation
Consumer complaint received 2025-08-14 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
As of XX/XX/year>, my credit score was XXXX, reflecting XXXX  of good credit and payment of debt. On XX/XX/year>, Credence Resource Management flagged my account for collections relating to a supposed debt owed to XXXX XXXX XXXX. I called CRM and asked about this collection notice after confirming on my XXXX XXXX XXXX account that it was paid and in good standing. The person at CRM asked me for my credit card number to charge {$1.00} fee to confirm identity and discuss the collection. I mistakenly gave them my CC. They then said that they could not help me resolve the issue and I was transferred to someone else who told me that XXXX XXXX could fix the problem if I paid them {$370.00}. I told her that I did not have a problem other than the false collection notice and that XXXX XXXX XXXX confirmed that I did not owe money. She then said she would send me a contract to fix the issue. After that, it appears that the subscribed me to a collection monitoring service for $ XXXX ; I called them and cancelled and said I did not authorize these repeat charges and that the CC number was given to confirm identity according to CRM. Following this episode, I called XXXX XXXX XXXX  collections desk and the service agent confirmed that I did not owe XXXX XXXX XXXX  money and that my account as in good standing. XXXX XXXX XXXX asked that I call XXXX  and dispute the collection and that XXXX XXXX XXXX would confirm good standing. Since then my XXXX XXXX has fallen dramatically ; as of today, it is now XXXX. I spoke again with XXXX and they suggested that I file a report with you regarding CRM and its tactics, including sending me to XXXX XXXX, which is probably their affiliate in this scam. I do not owe XXXX XXXX XXXX money and CRM continues to keep the collection notice active despite this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
I disputed this account with the collection agency in XX/XX/XXXX and again on XX/XX/XXXX, requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The validation I requested included : A copy of the original signed agreement with XXXX A complete account history from the original creditor Proof of their legal right to collect this debt They have failed to provide proper validation but continue to report the account as a derogatory collection to all three major credit bureaus. This is causing ongoing harm to my credit profile.

Under 15 U.S.C. 1692a ( 4 ), a creditor is the original entity to whom the debt is owed, excluding any party that obtains the debt after default solely for collection purposes. This company is misrepresenting itself as a creditor and is in violation of both the FDCPA and FCRA by continuing to report without verification. 

Requested Resolution : Remove the unverified collection account from my credit reports with XXXX XXXX XXXX XXXX 
Provide written confirmation that the account has been deleted and that all collection efforts have ceased. 
Attachments : New dispute letter sent on XX/XX/XXXX Screenshot of credit report showing XXXX XXXX : XXXX and collection agency 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 2025-08-14 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: NY

Complaint narrative:
Experian, TransUnion, and Equifax have all wrongfully deleted multiple valid, authorized auto loan inquiries and an active XXXX XXXX XXXX account from my credit files after I submitted disputes. My original dispute was targeted at a fraudulent account, but I mistakenly included some legitimate inquiries. Instead of fulfilling their legal obligation under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ) to verify the accuracy of each item, all three bureaus deleted them outright including inquiries directly tied to active auto loans I currently pay ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

By removing lawful, authorized items without proper investigation or verification, these bureaus have made my credit reports inaccurate and incomplete, violating the FCRAs maximum possible accuracy requirement. This reckless deletion has damaged my credit profile and may negatively affect my ability to obtain financing, credit, or favorable terms. 

I have contacted each bureau, provided a detailed list confirming that these items are mine, and requested reinstatement. All three have failed to correct their mistake. I am requesting that the CFPB take immediate enforcement action to ensure Experian, TransUnion, and Equifax restore the deleted authorized inquiries and the XXXXXXXX XXXX XXXX account to my credit files without further delay.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You are knowingly reporting fraudulent, identity theft-related information on my credit file in violation of federal law. This is not a request- it is a final demand for immediate deletion.

You are already aware that the Consumer Financial Protection Bureau ( CFPB ) has taken enforcement action against Experian, Equifax, and TransUnion for misleading consumers and failing to properly investigate disputes. Your history of willful FCRA violations is public record.

FACT : Under 15 U.S.C. 1681c-2, you are required to block all identity theft-related information within 4 business days of receiving proof. I have provided evidence of my identity, an FTC Identity Theft Affidavit. You have no legal basis to continue reporting these fraudulent accounts.

Your willful violations include : - 15 U.S.C. 1681i - Failure to conduct a lawful reinvestigation - 15 U.S.C. 1681c-2 - Failure to block identity theft-related information - 15 U.S.C. 1681n & 1681o - Willful and negligent non
compliance If you claim you " verified '' these fraudulent accounts, you must, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), provide a full procedural description of your investigation, the name and contact information of the furnisher, and the method of verification.

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