vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX. * * Inaccurate Credit Reporting * * : - XXXX XXXX reports a * * {$2600.00} balance * * to XXXX  ( as of XX/XX/XXXX ), contradicting your XX/XX/XXXX letter confirming a * * {$2300.00} balance * *. 
- The account is falsely labeled * * 120 Days Past Due * * despite a {$4000.00} insurance payment applied on XX/XX/XXXX. 

XXXX. * * Misapplication of Insurance Proceeds * * : - The {$4000.00} payment should have reduced the principal balance. XXXX XXXX has not provided a breakdown of how these funds were allocated. 

3. * * Retaliatory Reporting * * : - After I elected arbitration, XXXX XXXX updated the credit report with misleading information ( e.g., high balance of {$7200.00} ), harming my credit score. 

XXXX. * * Usury Violation ( Alabama Code 8-8-5 ) : * * - The loans * * 36.012 % APR * * ( attached calculation ) exceeds Alabamas XXXX * 8 % usury cap * * for written contracts. 
- * * {$1500.00} in hidden fees * * and post-default balance inflation ( {$2300.00} {$2600.00} ) render this debt * * legally unenforceable * *. 

# # # * * Relief Requested * * 1. * * Delete or Correct Credit Reporting * * : Update all bureaus to reflect a * * {$2300.00} balance * * and * * current payment status * *. 
2. * * Refund Unlawful Fees * * : Repay all late fees and interest accrued after the insurance payment.

3. * * Statutory Damages * * : {$1000.00} {$3000.00} per violation under FCRA 1681n for willful non-compliance.

4. * * Attorneys Fees and Costs * * : Reimburse arbitration fees and related expenses. 

# # # * * Enclosed Documents * * - Retail Installment Contract ( Pages XXXX ) - Transaction History ( Page XXXX ) - XX/XX/XXXX Letter from Credit Acceptance XXXX CFPB Complaint Closure Notice ( No. XXXX ) # # # * * Demand for XXXXion * * 1. * * Confirm Receipt * * : Acknowledge this notice in writing within 10 days. 
XXXX. * * Initiate Arbitration * * : Coordinate with * * XXXX  * * to commence proceedings. 
XXXX. * * Cease Collections * * : Halt all credit reporting and collection activities pending arbitration. 

Failure to comply will result in a motion to compel arbitration and seek sanctions under the Federal Arbitration Act. 

Sincerely, * * XXXX XXXX * * ( XXXX ) XXXX XXXX * * Enclosures * * : - Retail Installment Contract - Transaction History - XX/XX/XXXX Letter - CFPB Complaint Closure Notice

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX. * * Inaccurate Credit Reporting * * : - XXXX XXXX reports a * * {$2600.00} balance * * to TransUnion ( as of XX/XX/XXXX ), contradicting your XX/XX/XXXX letter confirming a * * {$2300.00} balance * *. 
- The account is falsely labeled * * 120 Days Past Due * * despite a {$4000.00} insurance payment applied on XX/XX/XXXX. 

XXXX. * * Misapplication of Insurance Proceeds * * : - The {$4000.00} payment should have reduced the principal balance. XXXX XXXX has not provided a breakdown of how these funds were allocated. 

XXXX. * * Retaliatory Reporting * * : - After I elected arbitration, XXXX XXXX updated the credit report with misleading information ( e.g., high balance of {$7200.00} ), harming my credit score. 

XXXX. * * Usury Violation ( Alabama Code 8-8-5 ) : * * - The loans * * 36.012 % APR * * ( attached calculation ) exceeds Alabamas XXXX * 8 % usury cap * * for written contracts. 
- * * {$1500.00} in hidden fees * * and post-default balance inflation ( {$2300.00} {$2600.00} ) render this debt * * legally unenforceable * *. 

# # # * * Relief Requested * * 1. * * Delete or Correct Credit Reporting * * : Update all bureaus to reflect a * * {$2300.00} balance * * and * * current payment status * *. 
XXXX. * * Refund Unlawful Fees * * : Repay all late fees and interest accrued after the insurance payment. 
XXXX. * * Statutory Damages * * : {$1000.00} {$3000.00} per violation under FCRA 1681n for willful non-compliance. 
4. * * Attorneys Fees and Costs * * : Reimburse arbitration fees and related expenses. 

# # # * * Enclosed Documents * * - Retail Installment Contract ( Pages XXXX ) - Transaction History ( Page XXXX ) - XX/XX/XXXX Letter from Credit Acceptance XXXX CFPB Complaint Closure Notice ( No. XXXX ) # # # * * Demand for Action * * 1. * * Confirm Receipt * * : Acknowledge this notice in writing within 10 days. 
XXXX. * * Initiate Arbitration * * : Coordinate with * * XXXX  * * to commence proceedings.

3. * * Cease Collections * * : Halt all credit reporting and collection activities pending arbitration. 

Failure to comply will result in a motion to compel arbitration and seek sanctions under the Federal Arbitration Act. 

Sincerely, * * XXXX XXXX * * ( XXXX ) XXXX XXXX * * Enclosures * * : - Retail Installment Contract - Transaction History - XX/XX/XXXX Letter - CFPB Complaint Closure Notice

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX. * * Inaccurate Credit Reporting * * : - XXXX XXXX reports a * * {$2600.00} balance * * to XXXX  ( as of XX/XX/XXXX ), contradicting your XX/XX/XXXX letter confirming a * * {$2300.00} balance * *. 
- The account is falsely labeled * * 120 Days Past Due * * despite a {$4000.00} insurance payment applied on XX/XX/XXXX. 

XXXX. * * Misapplication of Insurance Proceeds * * : - The {$4000.00} payment should have reduced the principal balance. XXXX XXXX has not provided a breakdown of how these funds were allocated. 

3. * * Retaliatory Reporting * * : - After I elected arbitration, XXXX XXXX updated the credit report with misleading information ( e.g., high balance of {$7200.00} ), harming my credit score. 

XXXX. * * Usury Violation ( Alabama Code 8-8-5 ) : * * - The loans * * 36.012 % APR * * ( attached calculation ) exceeds Alabamas XXXX * 8 % usury cap * * for written contracts. 
- * * {$1500.00} in hidden fees * * and post-default balance inflation ( {$2300.00} {$2600.00} ) render this debt * * legally unenforceable * *. 

# # # * * Relief Requested * * 1. * * Delete or Correct Credit Reporting * * : Update all bureaus to reflect a * * {$2300.00} balance * * and * * current payment status * *. 
XXXX. * * Refund Unlawful Fees * * : Repay all late fees and interest accrued after the insurance payment. 
XXXX. * * Statutory Damages * * : {$1000.00} {$3000.00} per violation under FCRA 1681n for willful non-compliance.

4. * * Attorneys Fees and Costs * * : Reimburse arbitration fees and related expenses. 

# # # * * Enclosed Documents * * - Retail Installment Contract ( Pages XXXX ) - Transaction History ( Page XXXX ) - XX/XX/XXXX Letter from Credit Acceptance XXXX CFPB Complaint Closure Notice ( No. XXXX ) # # # * * Demand for Action * * 1. * * Confirm Receipt * * : Acknowledge this notice in writing within 10 days. 
XXXX. * * Initiate Arbitration * * : Coordinate with * * XXXX  * * to commence proceedings. 
3. * * Cease Collections * * : Halt all credit reporting and collection activities pending arbitration. 

Failure to comply will result in a motion to compel arbitration and seek sanctions under the Federal Arbitration Act. 

Sincerely, * * XXXX XXXX * * ( XXXX ) XXXX XXXX * * Enclosures * * : - Retail Installment Contract - Transaction History - XX/XX/XXXX Letter - CFPB Complaint Closure Notice

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
Outlined in the terms and agreement of my loan is ( if the loan is paid off before the end date there is a partial refund of the loan origination fee ). I paid off both of my loans. I received one refund, and the 2nd refund I did not receive. 

Previously, I contacted the company via email requesting two closed bank accounts be removed from my account I was told that was completed ( this was prior to paying off the loan ). 

I received one refund, but not the 2nd. 

Starting on XX/XX/XXXX, I emailed requesting a status, Upstart advised, " XXXX, the overpayment refund is {$44.00} and was sent to XXXX XXXX checking : XXXX on XX/XX/XXXX '' Upstart also asked me to contact customer service via phone, I was upset and asked for the refund to be sent, I received a reply this was sent to the requested bank account. This was not. 

I contacted customer service via phone in XXXX ( spent 35 minutes on the phone ). I was first told this was sent to my XXXX account. I advised this was not received. I was then told this was sent to the closed XXXX XXXX account. Their customer service told me to contact XXXX XXXX about the payment sent to the bank account I closed a year ago. 

I requested this to be refunded, or initiated again. I was told nothing else could be done to help me, they are not showing this was sent back. I was advised someone will follow up offline. 

I received more confusing news that this was sent to the XXXX account ( nothing else can be done for me, I am essentially not going to receive my refund ). Upstart has not offered to research, or accept any documentation and they are in default of their legal agreement with me ( I can provide proof of that ). 

-- -- -- -- -- Forwarded message -- -- -- -- - From : Upstart Servicing XXXX Date : Fri, XX/XX/XXXXXXXX XXXX XXXX XXXX Subject : In Regards To Your Concerns To : XXXX XXXX Hi XXXX, Thank you for reaching out to Upstart Loan Operations and sharing your concerns. We take the concerns of our customers seriously, and when we do not meet your expectations we are grateful to hear from you. 

After further review of the over payment refund, we can confirm that the refund was sent to the XXXX XXXX account. Please note the refund was not returned back to us and is unable to be reissued. 

Again, we regret that we did not meet your expectations. 

If you have any concerns about this information, you can reach us at XXXX or at ( XXXX ) XXXX. We're available Monday to Friday between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Saturday between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Best regards, XXXX Upstart Personal Loan Team * * XXXX XXXX XXXX XXXX XXXX XXXX, as trustee of Upstart Loan Trust XXXX is the current creditor for your Upstart loan ref :! XXXX.! XXXX : ref

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have not received credit file. A week ago they removed my current address and added my previous address. This is the XXXX time this year, that they have done this. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Fl XXXX. I dont understand why they keep removing it.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b"Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries I've found: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, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well."

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX XXXX. 

Convergent Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Transunion, Equifax, and Experian credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XX/XX/year> Bridgecrest To Whom It May Concern, This letter is a formal notice and request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, regarding the alleged debt associated with the above-referenced vehicle account. To date, I have not received any verification of the debt from Bridgecrest.

Specifically : 1. No documentation has been provided to confirm the full value of the vehicle at the time the alleged debt was incurred.

2. There has been no verified accounting or breakdown of the remaining balance purportedly owed.

3. It has come to my attention that the vehicle in question was written off as a bad debt and subsequently sold, which suggests that Bridgecrest has already received compensation or tax benefits for the asset. 

Under the United States XXXX and relevant consumer protection laws, particularly the Fifth and Fourteenth Amendments, I maintain the right to due process and equal protection. Without proper validation, I can not be legally held liable for any alleged balance. A charge-off and sale of the vehicle would further indicate that the account was settled or satisfied by other means, nullifying any remaining claim against me. 

Accordingly, I hereby request immediate written confirmation of the following : * Full itemized validation of the alleged debt * Confirmation of the sale or charge-off of the vehicle * Documentation of any funds or credits received by Bridgecrest in relation to this asset No verification was received, so you are to cease all collection efforts regarding this matter. You must also cease reporting to all credit reporting agencies Continued attempts to collect a debt without proper validation may constitute a violation of federal law. No response was received within 30 days of receipt of the previous letter. Due to your failure to comply, it has been interpreted as a confirmation that no such debt is valid or collectible. 

Sincerely, XXXX XXXX

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 forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
Complaint : Failure to process loan forgiveness or discharge requests, errors with loan balance after IRS kept taxes I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, whichvariou were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

I have applied for loan forgiveness after meeting various criteria with no resolution or response. I am an XXXX  who has worked with various XXXX  agencies since XXXX.

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: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOE XXXX  XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX Mesquite, TX XXXX XX/XX/year> Covington Credit XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : ( XXXX ) XXXX Subject : Request for Verification of Account Details Account Number : XXXX To Whom It May Concern : This correspondence serves as a formal request regarding the above-referenced account, which appears with derogatory information on my Experian credit report dated XX/XX/year>. 

Please be advised that the reported information appears to contain discrepancies. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681s-2 ), I respectfully request that you provide the following : The date of delinquency associated with the account ; The date the account was charged off ; The date of last payment received on the account ; The current status of the account ( e.g., charged off, paid, settled, etc. ). 

Please provide your full response in writing within XXXX ( XXXX ) days of receipt of this notice. This request is made to ensure maximum possible accuracy under the Fair Credit Reporting Act. 

Failure to respond appropriately may constitute a violation of federal law and may result in enforcement actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, 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: Self Financial Inc.
State: PA

Complaint narrative:
this is showing negative on my account but is paid and closed

Company response to consumer: Closed with explanation