vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I was having a hard time keeping up with the payments from credit acceptance after giving me a loan with only a month of work history and the payments were too high so I kept going in debt with interest as I paid for the car and I explained I couldn't handle the amount anymore and could we work out a refinance and they said they don't do that and I got behind so they raised the amount up from XXXX to XXXX a month and my car was repossessed after paying thousands and thousands of dollars and now they say I owe them XXXX dollars after they sold the car. I just can't... I need help with this. 
Credit acceptance has used predatory practices on me and now my credit is destroyed and I owe money.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX response ( XXXX ) again confirms the payment posted XX/XX/XXXX, but it fails to address the key issue : I received no electronic notice in XXXX despite their practice of emailing/alerting for missed payments both before and after this period. 


XXXX states, " In XX/XX/XXXX, we enhanced our website and updated our notification options to include additional communications, such as the one referenced in your complaint. ", implying that email alerts were added in XX/XX/XXXX. Yet I have attached ( EXHIBIT C, attached ) alerts dated XXXX XXXX XXXX. This proves the alert system was already activeand that its failure in XX/XX/XXXX was an anomaly directly tied to their XXXX system migration. Their own explanation is internally inconsistent. 

XXXX admits website notification options were enhanced in XXXX, which further proves XXXX alerts were absent. 

XXXX claims multiple phone attempts XXXX forward, yet I have no callerID log / voicemail from XXXX during that window ; I request they produce their diallog to CFPB. 

A generic negativecredit boilerplate on XXXX statements is not the specific delinquency notice required under RegB or RegF once the account entered default. 

Absent timely notice, repossession efforts began without due process. 
I again request a goodwill deletion of the XXXX late mark or, alternatively, an admission that XXXX own notification process failed during its XX/XX/XXXX system migration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Formal Dispute of Federal Student Loans Request for Immediate Removal Due to Abolishment of U.S. Department of Education To Whom XXXX XXXX Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : DEPTEDXXXX XXXX XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6800.00} Creditor : DEPTEDXXXX Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$6600.00} Creditor : DEPTEDXXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$4600.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$7000.00} Creditor : DEPTEDXXXXXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$5600.00} Creditor : DEPTEDXXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$7300.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$4600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. 

Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. 

No Valid Current Creditor XXXX  services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. 

Sincerely, XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Formal Dispute of Federal Student Loans Request for Immediate Removal Due to Abolishment of U.S. Department of Education To Whom XXXX XXXX Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. 

Accounts in Dispute : Creditor : DEPTEDXXXX XXXX XXXX XXXX U.S. Dept of Education ) Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6800.00} Creditor : DEPTEDXXXX Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$6600.00} Creditor : DEPTEDXXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$4600.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$7000.00} Creditor : DEPTEDXXXXXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$5600.00} Creditor : DEPTEDXXXX  Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$7300.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$4600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. 

Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. 

No Valid Current Creditor XXXX  services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. 

Sincerely, XXXX XXXX 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 2025-05-03 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: NJ

Complaint narrative:
In XX/XX/XXXX, I applied for financing through XXXX XXXX after seeing they advertised XXXX XXXX XXXX. At that time, my credit reports with XXXX XXXX, and TransUnion were fully locked. I never gave consent to unlock them, and XXXX XXXXXXXX never performed a soft or hard inquiry. I verified through my credit monitoring services that there is no inquiry from XXXX XXXX on any of my reports before, during, or after the loan approval. 

Despite this, in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX began reporting a tradeline to my credit reports. This was done without my knowledge, without my consent, and without any credit check ever being performed. I was not told at the time of application that they would be reporting to the credit bureaus, and the loan agreement I signed does not clearly state that they had permission to report or that they would be doing so. 

The loan agreement carries an APR of 165.55 %, which I did not fully understand at the time and which I believe is excessive and predatory. In addition to the high interest, I was charged a {$75.00} non-sufficient funds fee, a {$25.00} late fee, and a {$25.00} fee simply for not signing up for AutoPay. These fees were not clearly disclosed or explained to me during the application process. 

After seeing the account appear on my credit report in XX/XX/XXXX, I filed a formal dispute with TransUnion on the basis that no inquiry was ever made and that I had not authorized the account to be reported. TransUnion denied my dispute and left the account on my report. 

I am asking the CFPB to investigate XXXX XXXX for misrepresentation, unauthorized credit reporting, and abusive lending practices, and to assist with the removal of this account from my credit file.

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 2025-05-03 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: IL

Complaint narrative:
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 2025-05-03 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:
To Whom It May Concern, This letter serves as * * formal notice * * that your organization is in * * violation of the Fair Credit Reporting Act ( FCRA ) * *, specifically * * 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) * *.

Accounts that need to be updated to paid on time. 
Creditor : XXXX XXXX XXXX Account Number : XXXX Please Update This Date to Paid on Time Or Remove Late Payment : ( XXXX, XXXX, XXXX, XX/XX/year> ) Under this statute,15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) the term * consumer report * explicitly * * does not include * * any report containing information * solely as to transactions or experiences between the consumer and the person making the report *. This means that the reporting of * * late payments * * which are direct experiences between myself and the furnisheris * * not legally permitted * * to be disclosed to consumer reporting agencies. 
Your continued reporting of these late payments constitutes a * * clear and willful violation of federal law * *. This unlawful activity has directly caused me * * emotional distress, anxiety * *, and has * * severely hindered my ability to utilize my credit * * for essential financial opportunities. 
You are hereby * * ordered * * to * * immediately update account to paid on time or remove late payment altogether * * the inaccurate and illegally reported late payment data. Failure to comply within * * 15 calendar days * * will result in * * legal action without further notice * *, including but not limited to demands for * * statutory, actual, and punitive damages * * to the fullest extent allowed by law. 
You are now officially on notice! 
Accounts that need to be updated to paid on time! 
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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
After receiving an email ( see attached ), I called customer service to confirm, and a representative clearly stated that my case was resolved and a {$500.00} replacement card would be sent to my registered address. Over XXXX days passed with no delivery. When I called again to follow up, I was suddenly told the case was now denied. 

Are we playing games here? Is this even a legitimate company? Its been over XXXX months of back-and-forth, false promises, and completely incompetent service with XXXX resolution. 

Someone must be held accountable for this outrageous mishandling and blatant lack of professionalism. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
The Department of Education has been abolished. Along with the account mentioned in the complaint filed with Equifax and Experian. 
Demand for Verification & Cease and Desist Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged parent plus loan for account XXXX. Associated with account XXXX. student loan debt under your authority.

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 2025-05-03 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: NC

Complaint narrative:
Ive disputed multiple inaccurate items reporting on my credit file with no resolution. The credit bureau continues to verify the accounts without properly validating them through the original sources. The bankruptcy, repossession, and collection accounts remain despite clear legal violations under FCRA XXXX ( b ), XXXX, and FDCPA XXXX. I am requesting immediate deletion of these accounts and a reinvestigation with proof or complete removal.

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 2025-05-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my Equifax credit report due to identity theft. These include : a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts led to fraudulent hard inquiries and collections. I request immediate removal of these items and cessation of all related collection activity under my rights per FCRA and FDCPA. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
My account is with Robinhood. 

XX/XX/year> - I tried to withdraw my funds, kept getting some error messages saying I can only withdraw to original deposit account. I only have XXXX verified accounts that I can deposit from or withdraw to, and I tried both. My account then had a message that says it is not restricted and I can no longer withdraw or trade stocks. It also doesn't let me contact customer support because it says my account is under review. 

XX/XX/year> - I get a message asking to take pictures of myself ( from the app ) and to submit my most recent XXXX  XXXX XXXX statement ( which is one of the verified external accounts I have tied to Robinhood ) so I submitted these requested info. It says they will get back to me by XXXX. 

XX/XX/year> - Today is XXXX and I haven't heard anything and since my account is restricted, it doesn't let me contact customer support. It just has an automated chat message that says I have a restriction and asks does that help, but you can't reply to it, it only gives you an option to say Yes that is all. I need to withdraw my funds so I can pay some bills. 

Please help unrestrict my account on Robinhood so I can withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
Mohela did not place my account into automatic forbearance due to me being approved for the save program. Due to this on multiple times it was shown I had missed payments I should not have been making at the time, and I am financially unable to make. My loan has illegally accrued interest since the Supreme Court decision. On top of that DOGE has illegally had access to my loan information against my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. Pursuant to XXXX U.S.C. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under XXXX U.S.C. XXXX ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in XXXX U.S.C. XXXX ( XXXX ). I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX USC sections XXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2025-05-03 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 a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. Pursuant to XXXX U.S.C. XXXX, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under XXXX U.S.C. XXXX ( XXXX ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in XXXX U.S.C. XXXX ( XXXX ). I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention. To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX USC sections XXXX ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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