vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MPOWER Financing, Public Benefit Corporation

Complaint narrative:
I borrowed money from the institute as aXX/XX/XXXX and have been paying my installments dilligently. I have been keen on wanting to pay off the balance but have noticed that the money owing is not reducing at all. Since XX/XX/year>2022, I have been paying monthly installments dilligently but from a total sum of {$12000.00} I still owe {$10000.00}. What is making me even more suspicious is the fact that I paid last month but this money has still not been credited to my account. This is making me even more uncomfortable and am wondering if they have been allocating the money to my account correctly all along, because as I said, what I owe has not reduced significantly even with back to back repayements as high as {$600.00} per month.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XX/XX/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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: IA

Complaint narrative:
A debt collector ( Shepherd Outsourcing ) sent a text to my father about a debt that allegedly belongs to me. The message disclosed the creditor ( XXXX XXXX XXXX XXXX ), stated it was a debt collector, gave a payment link, and implied my father owed the debt. My father is not associated with the account. This appears to be an FDCPA violation for illegal third-party disclosure ( 15 USC XXXX ( b ), XXXX ( XXXX ), XXXX ). Screenshot attached. 

Why this is wrong : XX/XX/XXXX forbids disclosing debt info to third parties ( XXXX ( b ) ) Messaging a third party with creditor name + payment portal is unlawful Misleading wording violates XXXX ( XXXX ) Unfair practices violate XXXX Actions Taken. 
- Suit Filed - Reports Submitted to FTC,XX/XX/XXXX, CFPB, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX - XX/XX/XXXX Presence on local news

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
result of fraud that I did not authorize : XXXX. BMW FINANCIAL SERVICES Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX - Date of Birth : Date of Birth : XX/XX/scrub>XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. I am formally disputing the inaccurate personal identifiers appearing on my credit file. Under FCRA 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be deleted immediately. These identifiers are not accurate and must be removed from my credit file to prevent further reporting errors. 

Please provide me with the method of verification used to verify this information. If no valid verification exists, delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
In XX/XX/2025, I submitted a XXXX XXXX to Repayment application and requested that my federal student loans be placed into forbearance. XXXX XXXX XXXX confirmed both the application and the forbearance status. Despite this, XXXX XXXX reported late payments to the credit bureaus during a period in which no payments were due. 

This reporting violates the Fair Credit Reporting Act and has negatively impacted my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
In XX/XX/year>, I submitted a XXXX XXXX to Repayment application and requested that my federal student loans be placed into forbearance. XXXX XXXX XXXX confirmed both the application and the forbearance status. Despite this, XXXX XXXX reported late payments to the credit bureaus during a period in which no payments were due. 

This reporting violates the Fair Credit Reporting Act and has negatively impacted my credit.

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 2025-11-18 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:
In XX/XX/year>, I submitted a XXXX XXXX to Repayment application and requested that my federal student loans be placed into forbearance. XXXX XXXX XXXX confirmed both the application and the forbearance status. Despite this, XXXX XXXX reported late payments to the credit bureaus during a period in which no payments were due. 

This reporting violates the Fair Credit Reporting Act and has negatively impacted my credit.

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 2025-11-18 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: GA

Complaint narrative:
i recently reviewed my credit report and notice i had fraudulents account on there i would like for you to remove these account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i recently reviewed my credit report and notice i had fraudulents account on there i would like for you to remove these account

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 2025-11-18 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FXXXX XXXX XXXX XXXX XXXX XXXX XXXX  which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MA

Complaint narrative:
I have been part of a debt resolution program for a few years now. Throughout this process I asked several times for them to explain the fee and how they make money. They only told me via phone that a small percentage would be taken upon a settlement based on the settlement amount. Today I was finally told in writing that they have been taking 25 % of the enrolled amount as a fee. Keep in mind they were unable to negotiate XXXX of the debts without further money being put in. What once was supposed to be XXXX and XXXXmonth has now turned to XXXX at XXXX a month. They keep asking for more. The customer service is terrible. My credit score has gone in the trash. 

All in all this agency that was promised to cut my debt by a significant portion has left me with a similar amount of debt and an even higher payment per month. Please help against these predators. They mislead people in debt with false promises, and prey on what little money they have left. 

I was brought to courtXX/XX/XXXX by XXXX of the creditors with no help or representation from this agency. Ultimately only XXXX of my debts was resolved as advertised. XXXX were resolved at a much higher cost than promised. And XXXX are still being resolved ( with no negotiated decrease in cost via settlement ) I personally dont think I should be paying 25 % MORE than I originally owed for XXXX of my accounts through an agency that was meant to lower my payments, all because they failed to prioritize the high balance accounts and ignored negotiation and settlement offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am filing a complaint once again to formally dispute and request the immediate and permanent removal of multiple unauthorized and unverifiable inquiries appearing on my Experian credit report, as my prior dispute has not yet been fully resolved ; this is my second-round request, and I am seeking urgent action because these inquiries continue to misrepresent my credit history and negatively affect my creditworthiness, causing unnecessary stress and potential financial harm. Upon reviewing my Experian report, I identified several inquiries that I never authorized and which appear to have been made without a permissible purpose, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  XXXX At no point did I provide consent or authorization for these inquiries, and I have no records showing any permissible purpose for their reporting ; their continued presence is inaccurate, misleading, and constitutes a violation of my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and it unfairly impacts my ability to access credit on fair terms.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was reviewing my credit report and noticed collections accounts that do not belong to me. Also personal information needing update. Old addresses remove all and all employer info remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am submitting this complaint to dispute my credit reports reveals that my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with multiple inaccuracies, conflicting balances, and false late payment information, which violates several provisions of the Fair Credit Reporting Act ( FCRA ). On Experian, this account shows a balance owed of {$1500.00} with a 30-day late payment in XX/XX/year>, which is inaccurate and unverifiable, constituting a violation of 1681i ( a ) duty to investigate disputes, 1681e ( b ) duty to maintain maximum possible accuracy, and 1681s-2 ( b ) responsibility of furnishers to report accurate information. On Equifax, the account shows a balance of {$1200.00} with a date of last activity as XX/XX/year>, conflicting with other reporting, in breach of 1681c-2 ( a ) obligation to ensure accurate reporting, 1681i ( a ) ( 5 ) requirement to correct unverifiable information, and 1681s-2 ( a ) furnishers duties. On TransUnion, the account is reported with a balance of {$1200.00} and a 30-day late payment in XX/XX/year>, which does not reflect my actual payment history, violating 1681j ( a ) prohibition against fraudulent or unauthorized reporting, 1681k ( a ) duties regarding identity theft or fraud alerts, and 1681g ( a ) my right to full disclosure of all information in my file.These inaccuracies impact my creditworthiness and constitute a continuing violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am submitting this complaint to dispute my credit reports reveals that my XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with multiple inaccuracies, conflicting balances, and false late payment information, which violates several provisions of the Fair Credit Reporting Act ( FCRA ). On Experian, this account shows a balance owed of {$1500.00} with a 30-day late payment in XX/XX/year>, which is inaccurate and unverifiable, constituting a violation of 1681i ( a ) duty to investigate disputes, 1681e ( b ) duty to maintain maximum possible accuracy, and 1681s-2 ( b ) responsibility of furnishers to report accurate information. On Equifax, the account shows a balance of {$1200.00} with a date of last activity as XX/XX/year>, conflicting with other reporting, in breach of 1681c-2 ( a ) obligation to ensure accurate reporting, 1681i ( a ) ( 5 ) requirement to correct unverifiable information, and 1681s-2 ( a ) furnishers duties. On TransUnion, the account is reported with a balance of {$1200.00} and a 30-day late payment in XX/XX/year>, which does not reflect my actual payment history, violating 1681j ( a ) prohibition against fraudulent or unauthorized reporting, 1681k ( a ) duties regarding identity theft or fraud alerts, and 1681g ( a ) my right to full disclosure of all information in my file.These inaccuracies impact my creditworthiness and constitute a continuing violation of 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 non-monetary relief
Consumer complaint received 2025-11-18 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
The company sold the car and they claim i still owe the same amount as original contract, this is a XX/XX/XXXX year contract and the balance is the same

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX there was a charge from a fraudulent website on my account. The following day I filled a dispute with SoFi bank. SoFi bank said that no provisional credit will be given and I will still accrue interest on the purchase. They told me it can take a few months for this to be resolved.. I am yet to receive a letter or even an email stating that I opened a dispute and something is being done. This feels very wrong and unfair. I have disputed with XXXX  and XXXX  before and I have never had this happen. So now I have to make payments on a fraudulent charge while SoFi does nothing on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief