vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CREDIT ACCEPTANCE CORP XXXX XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$18000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX {$18000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Voluntary Surrender< This was not a voluntary surrender I lost my mom brother and sister within a 2 year period and have no family except my XXXX XXXX old daughter I have no help and was left with funeral expenses and delinquent property taxes I get XXXX child support and I couldnt afford to keep the car I explained this to them they sold the car in auction and that was it so I should owe nothing I had gotten behind on 4 payments but made whatever payment i.could when I was able to and always stayed in touch. Ive never had a repossession or anything on my credit and with this situation I had a lot more important issues I had to attend to like my entire family XXXX and leaving me to figure everything out. I do not feel I owe and continuing to say I owe from XXXXcurrent is absurd it was sold in auction XXXX of XXXX. Therefore it isnt my car any longer and again I had to bury my family and all the debt I was left with unfortunately I had no choice I dont feel this should continue to affect me

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( credit collection serv ) from XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an Auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ). 

that appears related to the aforementioned Auto loan account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I do not recoanize the atorementioned accounts, collections, or 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 atorementioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( credit collection serv ) from XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an Auto loan account opened at XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number ( XXXX ). 

that appears related to the aforementioned Auto loan account opened at XXXX XXXX XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I do not recoanize the atorementioned accounts, collections, or 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 atorementioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to track picking debt final role, 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you blocked this information from my credit report within four business days pursuant to section 605C of the fair credit reporting act I am a victim of XXXX XXXXg XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted Company information, Transunion please delete the following accounts XXXX balance {$0.00} XXXX  balance {$170.00} XXXX XXXX balance {$1200.00} XXXX  balance {$0.00} XXXX XXXX  balance {$370.00} XXXX XXXX  balance {$1300.00} XXXX XXXX XXXXXXXX  balance {$200.00}

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 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
I have a pending IDR application for my federal student loans from medical school but Mohela has continued to accrue interest on my loans. Mohela should have placed my account in an administrative forbearance so I am not accruing interest but they have taken no actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AFFIRM INC XXXX XXXXXX/XX/XXXXXXXX XXXX CA XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Re-aging can destroy a consumer 's credit. Violations of the FDCPA can result in civil penalties of up to {$2500.00} per violation. 

Also Data Breech

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 2025-01-01 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: AR

Complaint narrative:
This bank is attached to chime financial account and they claim I have a deposit account with them in XXXX Oklahoma I have never had an account there I don't even have a clue where that town is at XXXX have true. XXXX contact them by email and by phone nuf no hope but as soon as I get my settlement deposit try to hit my chime account from Experian from the data breach they wants say I owe them more than XXXX and they are taking my deposit or else they have my rent and my electric bill they are holding hostage I'm in XXXX and I don't have any other way of paying my bills so they gave me screwed

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 2025-01-02 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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 recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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:
Request for Charge-Off Removal Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the charge-off listed on my credit report under the account number [ Account Number ]. Upon review, I believe this entry is inaccurate or incomplete, and I am requesting its removal or correction in accordance with 15 U.S.C. 1681i, the section of the Fair Credit Reporting Act ( FCRA ) governing the investigation of disputed information.

Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you conduct a thorough investigation of this charge-off, as I have reason to believe that : The reported charge-off is either incorrect or has been reported with inaccuracies that require correction or removal. 
The account in question may have been paid, settled, or otherwise resolved but is being inaccurately reflected as an outstanding debt.

In accordance with the FCRA, I request that you : Investigate this charge-off item and verify its accuracy.

Provide me with the results of your investigation within 30 days of receipt of this letter, as mandated by the law.

Remove or correct the inaccurate information if found to be incorrect or unverifiable.

Please send me a written response to my dispute, including the findings of your investigation, and provide a copy of my updated credit report once the correction has been made. If you are unable to verify the accuracy of this charge-off, I request that it be removed from my credit file entirely. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, 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 2025-01-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. XXXX XXXX XXXX XXXX has XXXX  days to delete the accounts in violation before I sue for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
I've been a victim of Equifax XXXX  XXXX XXXX. Recently discovered some account that has been fraudulent acclaim using my personal information. Equifax has knowingly & willfully Section 1681n - Civil liability for willful noncompliance & violated FCRA 1681c-2. Must comply under FCRA Section 605b Blocking information resulting of identity theft. 

Accunt referenced : XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

ACCOUNT REFERENCE : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
I've been a victim of Equifax XXXX  Data Breach. Recently discovered some account that has been fraudulent acclaim using my personal information. Equifax has knowingly & willfully Section 1681n - Civil liability for willful noncompliance & violated FCRA 1681c-2. Must comply under FCRA Section 605b Blocking information resulting of identity theft. 

Accunt referenced : XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

ACCOUNT REFERENCE : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: MD

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. These inquiries were not authorized by me and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bailey Act ( GLBA ). 
The specific inquiries in question are as follows : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Report. Agencies XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX Under 15 U.S.C. 6802 ( GLBA ), financial institutions are required to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Additionally, under 15 U.S.C. 1681b ( FCRA ), a consumer reporting agency may furnish a consumer report only under certain circumstances, such as with the consumer 's written consent. 
I did not provide consent for these inquiries, and they were made without my authorization. Therefore, they are in violation of the aforementioned statutes. I request that you investigate this matter and remove these unauthorized inquiries from my credit report immediately. 
Enclosed, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any other relevant documentation to support my claim. Please confirm in writing that these inquiries have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 

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 explanation