vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I am disputing the collection account with CREDITACPT  account number XXXX, dated XX/XX/year>, with a balance of XXXX XXXX account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDITACPT provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-11 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: TX

Complaint narrative:
XXXX committed unfair acts or practice in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability

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 2025-01-11 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: TX

Complaint narrative:
XXXX committed unfair acts or practice in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am submitting this complaint regarding a fraudulent XXXX XXXX account ( Account Number : XXXX ) that has been improperly reinserted into my credit report by TransUnion without providing hard proof of my ownership of the account. This account was previously removed following my initial dispute, as it was deemed fraudulent and associated with identity theft stemming from the XXXX XXXXXXXX XXXX XXXX. 
When I disputed the account, TransUnion and XXXX XXXX XXXX  failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) to verify that the account belongs to me. Specifically : 1. No Hard Proof Provided : Neither TransUnion nor XXXX XXXX has provided signed account applications, transaction records, or any documentation proving my connection to this account. 
XXXX. Reinsertion Without Certification : The account was reinserted into my credit report without certification of its accuracy by the furnisher, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

3. Failure to Block Fraudulent Accounts : I submitted a valid identity theft report, yet TransUnion has failed to block this account from my credit report as required under FCRA Section 605B.

This reinsertion is not only a violation of the FCRA but also contravenes Metro 2 reporting standards, including Base Segment Field Codes XXXX ( Compliance Condition Code ) and XXXX ( Consumer Information Indicator ). 
Resolution Requested : 1. I demand the immediate and permanent removal of the fraudulent XXXX XXXX account from my credit report. 
XXXX. I request a written explanation from TransUnion and XXXX XXXX detailing why this account was reinserted and what proof was used to validate the account. 
XXXX. I expect confirmation that this account will not be reinserted unless fully compliant with FCRA and Metro 2 guidelines.

Supporting Information : I am a victim of identity theft from the XXXX XXXX XXXX XXXX. 
I have provided sufficient documentation, including a police report and prior dispute letters, demonstrating the fraudulent nature of this account. 
Impact : This fraudulent account has negatively impacted my credit report and caused unnecessary stress. The reinsertion of this account violates my rights under federal law and further perpetuates the harm caused by identity theft.

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 2025-01-11 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: MO

Complaint narrative:
An account was opened in my name without my knowledge, permission or authorization

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 2025-01-11 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:
An account was opened in my name without my knowledge, permission or authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MO

Complaint narrative:
An account was opened in my name without my knowledge, permission or authorization

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 2025-01-11 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: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
I have XXXX unauthorized & unverified injuries on my credit report, XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>. According to the Fcra, these unverified and unauthorized items must be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
In XX/XX/2022, I uploaded all my employment certification forms, which should certify 13 years of service. Despite this, I have been given the runaround for three years and have not received an automatic account adjustment or an updated count to discharge my loans. When my loans were transferred to the XXXX XXXX XXXX, I was informed that some of my years were missing, even though I had uploaded all the required forms. I reuploaded the documents on XX/XX/XXXX, but I have still not received any response. I have filed over six complaints, all of which were closed without resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-11 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX  XX/XX/year>

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 2025-01-11 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: DE

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : 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 2025-01-11 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting this complaint regarding a fraudulent Goldman Sachs account ( Account XXXX : XXXX ) that has been improperly reinserted into my credit report by XXXX without providing hard proof of my ownership of the account. This account was previously removed following my initial dispute, as it was deemed fraudulent and associated with identity theft stemming from the XXXX XXXXXXXX Data Breach. 
When I disputed the account, XXXX and Goldman Sachs Bank failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) to verify that the account belongs to me. Specifically : XXXX. No Hard Proof Provided : Neither XXXX nor Goldman Sachs has provided signed account applications, transaction records, or any documentation proving my connection to this account. 
XXXX. Reinsertion Without Certification : The account was reinserted into my credit report without certification of its accuracy by the furnisher, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). 
XXXX. Failure to Block Fraudulent Accounts : I submitted a valid identity theft report, yet XXXX has failed to block this account from my credit report as required under FCRA Section 605B. 
This reinsertion is not only a violation of the FCRA but also contravenes XXXX XXXX reporting standards, including Base Segment Field Codes XXXX ( Compliance Condition Code ) and XXXX ( Consumer Information Indicator ). 
Resolution Requested : XXXX. I demand the immediate and permanent removal of the fraudulent Goldman Sachs account from my credit report. 
XXXX. I request a written explanation from XXXX and Goldman Sachs detailing why this account was reinserted and what proof was used to validate the account. 
XXXX. I expect confirmation that this account will not be reinserted unless fully compliant with FCRA and XXXX XXXX guidelines. 
Supporting Information : I am a victim of identity theft from the XXXX  XXXX Data Breach. 
I have provided sufficient documentation, including a police report and prior dispute letters, demonstrating the fraudulent nature of this account. 
Impact : This fraudulent account has negatively impacted my credit report and caused unnecessary stress. The reinsertion of this account violates my rights under federal law and further perpetuates the harm caused by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc.
State: SC

Complaint narrative:
I emailed the company to get information about an insurance provided in case of not able to pay the loan on a due date. I never received a reply so I tried calling them numerous times but no one answered except for an automated message. Never received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I did not understand the companys response and called the company back to clarify. I then accepted to defer my payment and completed the paperwork and said they approved me only for XXXX when they never actually approved me for anything. I kept getting calls from Honda financial services that my account was past due and I explained to them the issue and they said it was still be processed. I kept getting calls that my account was past due and yesterday they said The person never submitted my application and they dont know what happened and now my account was almost 30 days past due and if I dont make a payment it will affect my credit. They said they will put in a complaint and create a ticket and have someone reach out to me. They told me to make the payment and they can defer my XXXX payment. I went into my account and saw more fees that I should not have accrued and because I accepted to defer my XXXX payment and before it was due. I was able to pay my XXXX payments and feel horrible that they lied to me and charged my account late payments fees and threatened to affect my credit. The lady I spoke to yesterday was not helpful and was very rude to me and said I need to make the payment and did not read all the notes or listen to me. I had to hang up and call back and spoke to another representative who said the other person put in a request to her supervisor but never sent the application and to pay this month and someone will reach out to me. Also there is still a safety recall on my car that the company did not fix and they do not have the remedy yet to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: American First Finance, Inc.
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX  account number XXXX, dated XX/XX/year>, with a balance of {$460.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXXXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am disputing the collection account with US DEPT ED account number XXXX dated XX/XX/year>, with a balance of {$2500.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that US DEPT ED, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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:
A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances and varying late payments. I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXX XXXX  - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances and varying late payments. I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXX XXXX  - XX/XX/year>

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 2025-01-11 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: AZ

Complaint narrative:
I wrote letters of dispute for collection accounts no original contracts were provided nor was my personal information was update with old information deleted I had been a victim of identity theft during covid. Requested alert and freeze non was applied and approved. In said letters I explained I was homeless during covid for 3 years and my information was stolen in a shelter. I never received any information or updates to this but a letter stating they had a security breach and my information was once again compromised. These issues have caused me and my family severe credit and financial abuse to where I am unable to secure business grants and loans to grow my company. I no longer wish to have Experian delete and remove all personal information from there data base. I request that they are not allowed or banned from accessing anything regarding my person

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 2025-01-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian committed unfair acts or practice in violation of the Consumer Financial Protection Act of XXXX by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of the furnishers unreliability

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