vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: CO

Complaint narrative:
I'm showing that EdFinancial charged an additional {$2300.00} in interest on my account between the months of XXXX and XX/XX/XXXX. I reached out to EdFinancial several times beginning on XX/XX/XXXX and have asked each time for an interest accrual history. On XX/XX/XXXX I was told ( in writing ) that interest was not accruing on my loans from XXXX. She said they were escalating my request for accrual history and it would be sent to me via email if possible. Today ( XX/XX/XXXX ) I received a phone call and the representative told me that all they can provide is a payment history, no accrual history. She also said that my loans never stopped accruing interest during the XXXX timeframe. Even if I was accruing interest during that time, it would have been much less than the {$2300.00} I was charged. I also received a letter from EdFinancial back in XXXX stating that my loans were not accruing interest as they were waiting to process my IBR recertification. I never received notification that interest would again begin accruing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a formal dispute regarding the fraudulent accounts wrongfully tied to my credit history. These accounts are not mine, were never authorized by me, and are completely inaccurate. Their continued reporting is misleading, damaging, and undermines the integrity of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I financed a vehicle through XXXX XXXX XXXX XXXX. Within XXXX XXXX XXXX XXXX days of purchasing the vehicle, it was involved in an accident and declared a total loss. My insurance company processed the claim and confirmed that XXXX XXXX was paid in full for the loan balance. 

Despite this, XXXX XXXX continues to report a balance on my credit report as if I still owe money. This is inaccurate because the insurance settlement satisfied the debt in full, and I should not be held responsible for any remaining balance. 

I have contacted XXXX XXXX about this issue, but the account is still showing as unpaid on my credit reports. This is damaging my credit history and preventing me from moving forward financially. 

Requested Resolution : I am requesting that XXXX XXXX : Correct my account records to show a {$0.00} balance. 

Update all three major credit bureaus ( XXXX, Experian, and XXXX  ) to remove any negative reporting connected with this loan. 

Provide written confirmation that the account has been closed and marked paid in full due to the insurance settlement.

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 2025-09-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
So I got a loan on a XXXX XXXXXXXX XXXX back in XXXX of XXXX it was a XXXX  year term. About XXXX  years into it I started to pay a extra XXXX dollars on my loan every month. And I would skip a payment around XXXX time thinking since I was ahead I would be ok well around XXXX I got a email stating it would be repoed so I called and I spoke to the woman at customer service. I asked multiple times where the extra XXXX went and she just kept stating it goes where it needs to go. After XXXX min of listening to that I lost my cool I asked for a print out of payment history and she stated she would send it I told her I would call back after I received it and make it right I just needed to understand how I owed when I paid extra. She never sent the requested paperwork to me and my car got repossessed I paid it up to date and got it back I then paid for XXXX more years on it paying the extra XXXX bucks. XXXXXXXX XXXX XXXXXXXX the engine blew and I planned on buying a new car so I contacted them multiple times requesting the final pay off. They kept directing me to their website and I explained that every time I looked there it told me the car was paid for and I didn't owe anything they told me it was wrong so I kept requesting the paperwork. I figured the extra XXXX dollars a month would cover my last couple of months of payments since it should of been done XXXX of XXXX which was XXXX  months away. They refused to send me the paperwork so I ended up just taking the XXXX I had and used the full amount for a down payment. They ended up sending me paperwork a year later stating I owed XXXX on the car which I know was wrong. But this XXXX that just passed I had a debt collector contact me on their behalf and they offered XXXX dollars to pay it off. They promised me that it would be taken off of my and my wife 's credit report if I paid it so we did pay it we waited months for it to post and when gm finacial got the payment they ended up adding XXXX years of missed and late payments to my credit report which should of never been added and it destroyed my credit score plus it has not been taken off. I have reached out they tell me there is nothing I can do because I don't know my old account number and really I just want it taken off of my credit report and the XXXX years of late payments to be taken off I tried to pay them from the start and they wouldn't give me the paperwork I feel like I paid more on the car than I was supposed to .. like I said one more time I just want it to show I paid for the car and the late payments taken off my report atleast from the last XXXX  years when I didn't have the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted multiple dispute letters to XXXX, Experian, and XXXX  regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all XXXX  reports. I kindly request your assistance in resolving these issues 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: OR

Complaint narrative:
I get daily messages about XXXX XXXX XXXX  ( XXXX  XXXX - for which the current creditor is XXXX XXXX XXXX, XXXX ) from " Shepherd Outsourcing, a debt collector '' After ignoring them for a while -- because I have never had a relationship with any of the creditors or businesses mentioned -- they have begun addressing the messages by name to someone named XXXX, which ain't me. 

This needs to stop. " Delete and report junk '' seemingly has no effect, as they messages just keep coming. I have not replied or tried interacting with the company, because all the advice I read online suggests that responding to them might provide them some traction in their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-09-09 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my direct challenge to the fraudulent accounts currently listed on my credit report. These accounts were not authorized by me and are entirely false. Their reporting is misleading, inaccurate, and severely damaging to my credit standing. I have never given consent for these accounts, and their sudden appearance indicates a serious failure in proper verification before reporting. This error not only undermines the fairness of my credit report but also subjects me to consequences that are entirely unjustified.

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 2025-09-09 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:
XXXX XXXX. XXXX XX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear TransUnion LLC Dispute Department, I am formally disputing and requesting removal of all inaccurate personal information on my credit file. My correct name, address, and phone number are : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other names, addresses, and phone numbers listed on my credit file. They are outdated and/or inaccurate and do not belong to me. 

Additionally, I dispute the accuracy and completeness of the following accounts appearing on my report : - Creditor : XXXX XXXX Account Number : XXXX Reported Status : XXXX XXXX  Reported Balance : {$520.00} - Creditor : XXXX XXXX  Account Number : XXXX Reported Status : Charged off Reported Balance : {$18000.00} - Creditor : XXXX XXXX ( XXXX ) Account Number : XXXX Reported Status : XXXX Reported Balance : {$890.00} - Creditor : XXXXXXXX XXXX ( XXXX XXXX ) Account Number : XXXX Reported Status : Collection Reported Balance : {$730.00} - Creditor : XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX Reported Status : Collection Reported Balance : {$170.00} Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you must conduct a reasonable reinvestigation of each disputed item. Please provide me with the full method of verification, including the name, address, and telephone number of the original creditor and a copy of any documents used to verify the information. If you can not verify the information within the statutory period, you must delete it from my credit report. 

Please send me written confirmation of your investigation and the results. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: KEYCORP
State: TX

Complaint narrative:
My mortgage account XXXX was paid off XX/XX/year>. I never received my escrow refund despite confirming multiple times with KeyBank that they had my correct mailing address. I was told I needed to wait 30 days to confirm it was not received prior to issuing a new check. This process was completed and KeyBank allegedly issued a new check to my current address. I requested tracking information given the substantial amount of the refund check. This was not provided to me. Another week has gone by and I have made multiple phone calls to KeyBank for clarification. Federal law requires return of escrow account funds within 30 days and KeyBank is perpetually in violation of this and refuses to make any attempt in good faith to remedy the situation. I have requested tracking information or a direct deposit option as we are approaching 60 days since closing and KeyBank has not cooperated whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: FL

Complaint narrative:
CREDITOR NAME is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITOR NAME 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 2025-09-09 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:
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 XXXXXX/XX/year>, Balance : {$3600.00} 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, 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 2025-09-09 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: PA

Complaint narrative:
I am following up on my dispute regarding collection account XXXX XXXX XXXX ( XXXX ). As noted in my prior correspondence, this account does not belong to me. 
I'm requesting debt validation requesting : 1. demand to see verifiable proof, in the form of an original consumer contract bearing my signature.

2. Provide documentation showing the procedures you used to verify this debt.

If they can not validate, this account must be permanently deleted from my credit file.

3. Suspend or delete the reporting of this account while validation is pending.

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent accounts that appear on my credit file. These accounts are not mine, were never authorized, and represent a harmful and unlawful misrepresentation of my financial identity. The reporting of these accounts has already inflicted significant harm, including an unfair reduction in my creditworthiness and the potential denial of financial opportunities. This situation has caused undue stress and inconvenience, as I am forced to contest accounts that should never have been linked to me in the first place.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MI

Complaint narrative:
Requested debt validation letter and collection stated they dont have my account on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief