vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I am a victim of the data breach and a plaintiff in a class action lawsuit against the credit bureaus. Inaccurate information supplied by the mortgage company is being reported monthly. 

XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # 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 2025-11-04 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: NM

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 2025-11-04 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: NM

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 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae is refusing to provide any hardship or modified repayment options despite my clear financial hardship. I currently owe approximately {$1400.00} per month on my Sallie Mae private student loans. My income is not sufficient to cover both my essential living expenses ( such as rent, utilities, and groceries ) and this loan payment. I called and wrote to Sallie Mae multiple times to request a hardship arrangement or reduced payment option. 

Each time, I explained that I can not afford the full payment, and the representatives simply told me Im sorry and demanded full payment. They have not offered or acknowledged any temporary hardship, interest-only, or modified repayment programs. When they transferred me to a department that can help, the department refused to offer me any assistance. I asked for my request to be documented as a hardship review, and they still refused to provide any assistance or follow-up information. 

I am trying to avoid further delinquency and want to work in good faith, but Sallie Mae has not provided any viable relief options. I am requesting CFPB assistance in having Sallie Mae review my account for a hardship or modified payment option, or to provide written clarification of all available repayment options for borrowers in financial distress. 

Company : Sallie Mae Bank Loan type : Private student loans Requested resolution : Review for hardship or reduced payment arrangement, or forbearance ; written confirmation of available relief options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-04 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-04 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: LA

Complaint narrative:
I am submitting this dispute to Equifax regarding the following items on my credit report. These items have inaccuracies and require correction to ensure the information is accurate and up-to-date. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN ( last XXXX ) : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Credit Bureaus Refusing to Remove Unauthorized Inquiries ( FCRA Violations ) To Whom It May Concern, I am submitting this complaint because TransUnion, Equifax, and Experian have refused to remove fraudulent and unauthorized hard inquiries that I did not authorize. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies had no permissible purpose under FCRA 604 ( a ) ( 2 ). Despite disputes, the bureaus wrongfully verified them and left the harmful data on my reports. The negative impact includes : Increased APR offers Credit denials Significant harm to my financial stability I am requesting that CFPB require the credit bureaus to : 1 Delete these unauthorized inquiries 2 Provide documentation showing proof of my authorization 3 Prevent further unauthorized access to my credit files I appreciate your immediate attention to this matter. 

Respectfully, 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 2025-11-04 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: AL

Complaint narrative:
Dear Experian, I am writing to dispute several entries on my credit report. These items are reported incorrectly, and I request a full investigation into their validity. Below are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Past due amount : {$2900.00} This account is marked as past due. I request verification of the current status and balance. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) Past due amount : {$27000.00} XXXX dispute the reported past due status of this account. Please provide documentation supporting the current balance and payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Past due amount : {$5000.00} I believe this account is inaccurately reported as past due. Please verify and correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed balance : {$23000.00} This account is closed with a balance that does not reflect my payment history. I request verification and correction

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 2025-11-04 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: PA

Complaint narrative:
I am submitting this dispute regarding inaccurate information on my Experian credit report. The following accounts are reported incorrectly, and I request that they be thoroughly reviewed for corrections. 

Charged Off Accounts : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$730.00} Issue : I am disputing the accuracy of this account being reported as charged off. It may not reflect accurate payment status or reporting. I request a detailed review and correction if necessary.

Inquiries : No inquiries to dispute. 

Late Payment : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXssue : I am disputing late payment reporting for this account. The payment history may be inaccurate or incorrectly reported

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX, and I am submitting this formal complaint and request for investigation regarding an inaccurate and unverifiable account that is being reported on my credit file by XXXX XXXX XXXX ( XXXX ), allegedly on behalf of XXXX XXXX. 
I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This account is inaccurate, incomplete, and can not be verified, and therefore should not be appearing on my credit report.

I have previously requested validation of this alleged debt from XXXX, but they have failed to provide any documentation proving that I owe this balance or that proper notice was given. According to 15 U.S.C. 1692g, debt collectors must provide verification of a debt upon request before any further collection or credit reporting activity. Because no verification has been provided, the continued reporting of this account violates both the FCRA and FDCPA. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am disputing the accuracy of this account and requesting that the CFPB investigate this matter. XXXX XXXX XXXX, as a data furnisher, is legally required under FCRA 623 ( b ) to investigate disputed information and to correct or delete any data that can not be verified. Since this account can not be substantiated, I am requesting its immediate removal from all credit reporting agencies, including Experian, Equifax, and TransUnion.

Furthermore, continued reporting of this unverified item may constitute willful noncompliance under 15 U.S.C. 1681n and could be considered an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, 12 U.S.C. 5531. 
I respectfully request that the CFPB : Investigate this matter thoroughly with Wakefield and ASsociates on behalf of XXXX XXXX XXXX XXXX  Require the removal of this unverifiable and inaccurate item from my credit reports. 
Provide me with written confirmation once the investigation is completed and the correction is made. 
I am enclosing copies of the following for your reference : A copy of my government-issued identification A recent credit report highlighting the disputed account Any supporting documentation related to this matter I appreciate your prompt attention to this issue. I am exercising my full rights under the FCRA and FDCPA, and I look forward to confirmation that this inaccurate account has been deleted to restore the accuracy of my credit file. 
Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint against Bank of America regarding the unacceptable handling of a XXXX Treasury check I deposited into my account on XX/XX/XXXX. 

Initially, the check was placed on a five-day hold. After that period, my account went into review for an additional 48 hours. After this review, I was informed that I must wait another 48 hours for an update.

As of now, I have received no explanation, no reference number, and no communication via phone from Bank of America regarding the status of my funds. This lack of transparency and accountability is extremely frustrating and unacceptable.

This situation violates several regulations : 1. 12 CFR 229.10 ( c ) ( 1 ) ( i ) - Funds from U.S. Treasury checks must be made available by the next business day. 
2. 12 CFR 229.13 ( g ) - There has been no written notice provided regarding this exception hold, which is a regulatory violation.

3. 12 CFR 229.13 ( e ) - The bank has no reasonable grounds to justify the prolonged hold on my funds.

4. 31 CFR Part 240 - The bank does not have valid grounds to withhold payment on verified Treasury checks.

5. UCC 4-215 - Once a check is paid, the bank can not charge it back or impose unnecessary delays.

I am seeking your assistance in addressing this matter. I demand immediate clarification regarding the status of my funds and a firm timeline for when I will regain access to my account. The bank 's failure to communicate or provide justification for their actions has caused significant disruption to my financial well-being. 

Thank you for your attention to this urgent matter.

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 monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief