vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
i sent an email expressing how i was treated when i was on the call with one of there reps and asked for help .... 


My car was at the XXXX dealership in Downtown XXXX XXXX for a recall from XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX, my car was repossessed without any prior notice ; they came and took it around XXXX XXXX. The next day, on XX/XX/XXXX, I contacted the lender to inquire about making payments to retrieve my car. I explained that I had no transportation to get to work and that my car had been in the dealership for an extended period due to a recall. Unfortunately, the representative I spoke with was extremely rude and insensitive to my situation. She didnt even tell me where or who had repossessed my car so I could pick up my property and told me with sarcasm in her voice that I couldnt get it out until I paid what I was late on, which is over {$5000.00}. Her lack of empathy and unhelpful attitude only added to my distress. 

I believe this situation is highly unfair. My car was in the dealership for months, and I was not even provided with a rental free of charge. They expected me to pay for the rental daily, which was impossible for me as I earn minimum wage. How was I supposed to pay for both my car note and a rental simultaneously? This situation led to me losing my job a few weeks later due to a lack of transportation. 

Additionally, your website mentions that you provide assistance to customers facing hardships. I believe this situation qualifies as a hardship, so I am deeply disappointed by the lack of support and the treatment I received. It feels contradictory to what you promote. 

I am requesting that you reconsider my case and provide some form of assistance or payment plan to help me retrieve my car. I am in a difficult financial situation and need my car to get back to work and support myself. 

Thank you for your understanding and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC XXXXB. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-02 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, XXXX XXXX XXXX, have been a victim of identity theft. Unauthorized individuals have fraudulently used my personal information without my consent. I am not responsible for any transactions, accounts, or actions taken in my name without my authorization. I am taking all necessary steps to report and resolve this matter with the appropriate authorities and financial institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

UNAUTHORIZED INQUIRIES : XXXXXXXX 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
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I am inquiring due to data breach and would like to have removed from 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 2025-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally notify you of a recent data breach that has compromised my personal information, and I believe this breach has resulted in unauthorized access to my credit profile. As a consequence, I am requesting the removal of all accounts, collections, and any fraudulent information associated with this breach from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an unverified charge-off account from my credit report. The account in question is : Disputed Account Details : Creditor Name : TD BANK USA/TARGETCRED XXXX XXXX XXXX XXXX Status : Charged off with a balance of XXXX XXXX XXXXXX/XX/year>, I sent a certified mail request to TD BANK USA/TARGETCRED, requesting a copy of the 1099-C Cancellation of Debt form associated with this account. They have failed to provide this documentation within the legally required 30-day timeframe. 

Reason for Immediate Removal : 1. Failure to Provide Required Documentation : The creditor has not supplied a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 
2. Violation of FCRA and FDCPA : Since they did not verify or validate the debt within 30 days of my certified request, continued reporting of this charge-off is unlawful and must be corrected.

3. Failure to Report Correctly : If a 1099-C was issued, the account should be marked as canceled with a {$0.00} balance. If no 1099-C was issued, the reporting of this charge-off as an outstanding balance without proper verification is misleading and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CO

Complaint narrative:
Data Breach with all my information and according to USC15-1681I with all 3 credit bureau please have all debt removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Data Breach with all my information and according to USC15-1681I with all 3 credit bureau please have all debt removed

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 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a bill from Synchrony Bank Amazon and I paid it through my bank. The bank never released it. 
Then I received more bills through text saying I needed to pay this. I incurred {$35.00} in late fees. 
I tried to dispute this and they said no. 
Now I have tried to file a payment several times through their voice system and customer service system. 
Each time I have been told the payment went through. 
Now I have several returned checks. Saying that I never paid. 
I did close the account. This company is awful. 
Now I have a problem. They refuse payment. How do I pay on a bill if the company refuses payment? 
Thank you for this. 
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 monetary relief
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
my information was leaked online and/or stolen how things are on my report that i dont recongnize

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 2025-03-02 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: TX

Complaint narrative:
I am submitting this complaint regarding the inaccurate and incomplete credit reporting by Experian. I previously sent a dispute letter XX/XX/XXXX, which is dated and time-stamped, yet the disputed information has not been validated or corrected, and it is still inaccurately reporting on my credit file. 

The following accounts contain erroneous late payment entries : XXXX  ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( Account # : XXXX ) Late payments reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to federal law ( 15 U.S. Code 1681a, 15 U.S. Code 1681a-1, 15 U.S. Code 1666b ) , late payments should not be reported without explicit consent, and my report should not include transactions or experiences that I have not authorized. 

These inaccurate late payments are negatively impacting my credit and violating my consumer rights. I request immediate removal of these late payments and for my credit file to reflect accurate and verified information. I have attached supporting documentation as evidence of the errors. 

Please correct this reporting within 14 days, or I will escalate this matter further.

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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I asked about the charges on the account due to the fact I overdraft a certain amount and they charged me double that to reopen my account after they revoked me access to my account. I asked how the debt became so high and I was told overdraft fees charged by navy federal. I also had some government payments sent back that I never received because they closed the account at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Disputed a bankruptcy that reporting on my credit report an error. I have a letter from the courts advising this information has been updated and removed. 

Ive disputed the item with TransUnion all of which confirmed the record was verified by the courts. I have attached a copy of the letter from the courts advising this item has been removed and updated as error.

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 2025-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

1. Capital One ( Account XXXX XXXX - {$3000.00} ) Creditor Name : Capital One Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXXXXXX  Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days 2. Capital One ( Account XXXX XXXX  - {$1800.00} ) Creditor Name : Capital One Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXXXXXX  Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days Capital one also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights. 
Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as Paid Current. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( CHChCh ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: CO

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation and reinvestigation. The inaccuracies are highly injurious to my credit score In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, They failed to provide any information an the names and business addresses of each individual with whom they verified the above. They failed to protect my consumer rights. 
Account Name XXXX XXXX XXXX Account number XXXX Late payment reported on ( XXXX XXXX ). Please update the account as Paid Current. 
The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/XXXX stating creditors should not report any late payments. The law says the following. 
The Coronavirus Aid, Relief, and Economic Security ( CHChCh ) Act, passed by congress and signed into law on XX/XX/XXXX, contains a provision explicitly addressing the FCRA, Section 4021 of the Cares Act amends Section 623 ( a/ ( 1 ) of the FCRA ( 15 USC 1681 s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent,, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX and do not apply to charged-off accounts Please remove the late payments on XX/XX/XXXX as it's a direct violation of the Coronavirus Aid, Relief, and Economic Security 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : 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  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief