vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: MPOWER Financing, Public Benefit Corporation
State: FL

Complaint narrative:
In XXXX, as an international student at the University XXXX XXXX XXXX XXXX XXXX, and unaware of the XXXX laws, I took a private student loan from XXXX XXXXg for {$47000.00} to cover tuition. XXXX ID : XXXX and XXXX. XXXX, XXXX disclosed a {$50000.00} lending cap, limiting me to {$47000.00}, which was insufficient to pay my final semester, delaying my degree completion and Bar eligibility. This cap was not clearly disclosed upfront, creating undue financial strain because I ended with a debt to the school and also a debt to XXXX XXXX, and the school did not release my original transcripts due to the debt and I couldn't sit to take the Bar and practice law to earn the money to repay XXXX XXXX. During the XXXX pandemic, I lost my job as a legal assistant and was granted some forbearance periods, but interest continued accruing, inflating the balance to over {$80000.00}. When I attempted to resume payments post-forbearance, XXXX demanded $ XXXX, refusing lower amounts, despite my limited income. Despite making consistent monthly payments after reaching a Post Default Agreement, XXXX reported my account as XXXX days late to Equifax XXXX Experian XXXX and TransUnion XXXX severely damaging my credit. In that post default agreement they just concede not to keep accumulating interest, but in despite of my monthly payments, they kept reporting me with the credit bureaus as if I was not making any payment. The loan was placed in default, yet XXXX continued inaccurate late reporting, ignoring my payments and blocking refinancing opportunities. I can not refinance this debt because my credit is destroyed and I can not make the monthly payments of {$1500.00} that XXXX is demanding. Additionally, in the post default agreement I selected the monthly payment date the 15 day of each month, however, by the XXXX day of the month they are already reporting me as late payment and charging me additional {$4000.00} for late fees completely ignoring the terms of the post default agreement. This is an impossible situation to solve unless XXXX XXXX is willing to provide relief consistent with fair lending practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
on XX/XX/year> Selene Finance rejected a payment made through bank XXXX XXXX, then on XX/XX/year> they once again rejected a payment made by bank XXXX XXXX and charged me a late fee even though the payment was within the grace period PRINTED ON THE BILL. They do not return phone calls when they say they will, to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NY

Complaint narrative:
[ Your Full Name ] XXXX XXXX XXXX XXXX, NY XXXX [ Your Date of Birth ] [ Last 4 digits of SSN : XXXX ] Date : [ Insert Date ] To : [ Name of Credit Bureau e.g., XXXX  XXXX XXXX XXXX ] [ Address of Bureau ] Subject : Dispute and Demand for Investigation Unauthorized Access and Reporting of My Credit Information Dear [ Credit Bureau Name ] , I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute and demand investigation into the unauthorized furnishing and/or obtaining of my personal credit information.

Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for specific permissible purposes and only with the consumers written authorization when required. I have never provided written consent to any individual, company, or third party to obtain or furnish my credit information.

Accordingly, I am demanding that you : 1. Identify every entity that has accessed or received my credit report or personal data without my written authorization ; 2. Provide the dates and purposes of each inquiry or furnishing ; and 3. Remove and delete any inquiries or accounts that were obtained or furnished in violation of my rights under the FCRA.

If any person or entity accessed or furnished my credit information without a permissible purpose or my written consent, such conduct constitutes a direct violation of 15 U.S.C. 1681b ( f ), and I reserve my right to pursue legal action for damages under 15 U.S.C. 1681n and 1681o.

Please provide written confirmation of your investigation and all corrections made to my credit file within 30 days, as required by 15 U.S.C. 1681i ( a ).

Thank you for your prompt attention to this matter. 

Sincerely, [ Signature ] XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX DOB : [ MM/DD/YYYY ] SSN ( last 4 ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-20 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: MA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : COLLECTION - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST PORTFOLIO SERVICING INC
State: AL

Complaint narrative:
This debt in question is from total visa I never opened a total visa card they have no proof I opened it I've requested docs like photos of drivers license that I sent any obe could have wiped this card they stated its 9 years old and statue of limitations in alabama have run out here anyway they are threatening me to due in which a debt this old in my state is useless

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible 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 non-monetary relief
Consumer complaint received 2025-10-20 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
XX/XX/year>, I received a bill for {$180.00} from Christus Health for medical procedures I did not receive or what. I called their customer billing department and asked for an itemized ist of the charges. They ignored my request and just said I needed to pay for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Acct ending in XXXX : I have mailed and faxed my documents that was requested by Barclays more than once and now I have proof that Not only did I fax the information with the highest resolution quality verified by XXXX XXXX ( I have a recorded statement by an employee ) but I also mailed it for the 3rd time ( I have the tracking number and receipt associated with the most recent mailing ) verifying that they received the documents and also all the documents I have attached below. I am highly upset about the lengthy and unnecessary redundant process that Barclays Is making me do repeatedly. I am attaching the exact documents that I faxed and mailed at the same resolution quality below. I await for your response. I recommend the CFPB to look over the attached files to verify that all documents are legible,

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am filing this complaint because my student loan servicer, Aidvantage, has failed to accurately report my deferment status to the credit bureaus. 

My school has verified through the XXXX XXXX XXXX that I am a full-time student and in an eligible deferment perio

d. However, Aidvantage continues to report my loans as delinquent, causing a drop in my credit score and inaccurate debt status. I have provided Aidvantage with written documentation showing that my enrollment and deferment were properly reported, but the negative information remains on my credit reports. I am requesting that this issue be reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: 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 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 2025-10-20 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-20 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
violated the privacy act of 1974 and contacted my grandma and discussed this so called debt with her.

violated the fair debt on collecting so called debt with threating a law suit.

They did not provide where i signed an agreement to pay this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a Capital One credit card in XX/XX/year> and was approved. After using the card, my account was restricted for verification, even though I had already been approved and received the card. Ive been calling Capital One for months to find out my exact minimum payment, and in XXXX a representative finally told me it was {$35.00}. Since then, I have paid {$35.00} every month on time based on that information. 
On XX/XX/year>, I paid {$41.00}, thinking I was paying more than my minimum. Two weeks later, I received notifications that my credit score dropped because Capital One reported my account as 30 days late over a {$10.00} past-due amount. When I called, one representative told me my minimum was actually {$110.00}, but my credit report showed {$51.00}. 
Capital One has never informed me of any payment changes. I dont receive paper statements, mail, or access to my online account due to the restriction. Ive been making consistent payments based on what I was told. I may have been late before, but I have never been 30 days late, so this report is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In an effort for a refinance with my current mortgage holder, Pennymac, I have experienced delays and ultimately a denial.

Not only was my appraisal not passed along to me within the legal time but unexplained delays have put me in a situation that my credit will be affected when I go to another lender.

I was denied by the lender without any communication that I can not afford my mortgage refinance though I have paid them for 2 years at a higher rate. I received zero communication about the status of my loan.

My biggest concern is that now any inquiries with another lender will have an adverse affect on my credit.

I believe this was intentional as a way to keep me from being able to move forward and lower my rate or move my loan somewhere else. This is a marketing strategy that ties up homeowners and keeps them locked in and frustrated.

If I could choose any other loan servicer I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This account does not belong to me The account is with Comenity bank bought and sold to XXXX XXXX XXXX account number XXXX opened on or about XXXX. I did not open, authorize, or use this account and consider it the result of identity theft. I have filed an identity theft report with law enforcement with the Federal Trade Commission Identity Theft Report/ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief