vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am writing to file a formal complaint against Bridge Crest Acceptance Corp. regarding an ongoing issue with a contractual agreement that began on XX/XX/XXXX. As part of the agreement, I sent multiple correspondences to the company, including an Administration Process sent on XX/XX/XXXX. The purpose of these communications was to request clarification regarding the status of the account held with the company and to ensure that the company fulfilled its legal obligations by filing the necessary tax forms pursuant to IRS Publication 1212 and Internal Revenue Code ( IRC ) Section 6050P, which govern tax reporting for canceled debts.

Despite my numerous attempts to address this matter in good faith, Bridge Crest Acceptance Corp. has failed to respond and has neglected to file the required tax documents. As a result of their failure to act, I have been forced to take protective steps, which include : ~ Filing an Identity Theft Report with the Federal Trade Commission ( FTC ) under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

~ Filing a Local Police Report.

~ Submitting an IRS Tax Identity Theft Form.

~ Filing a UCC-1 Financing Statement on the vehicle associated with the contract, ensuring that Bridge Crest Acceptance Corp. no longer holds any legal claim or binding interest on the vehicle under Article 9 of the Uniform Commercial Code ( UCC ). 

These actions were all done in good faith, as I have made every reasonable attempt to resolve this matter through communication and by providing the company with ample opportunity to fulfill their obligations. 

The failure of Bridge Crest Acceptance Corp. to uphold its legal responsibilities regarding the tax filings and the contract has left me no choice but to take these actions to protect myself from potential legal and financial consequences. Additionally, this failure may constitute violations of Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and other consumer protection laws that govern the treatment of consumers in credit and debt situations.

This letter and any associated communications may be used in the legal process if necessary. However, I am still open to resolving this matter in a fair, lawful, and respectful manner. If Bridge Crest Acceptance Corp. chooses to act in accordance with the law and resolve this issue promptly, I am willing to forgive any prior transgressions made in good faith.

However, if the company continues to ignore its responsibilities and disregard the lawful process of business conduct, I will be forced to involve all regulated intermediaries and legal channels to rectify this matter.

I respectfully request that Bridge Crest Acceptance Corp. contact me immediately to rectify this issue and ensure full compliance with all contractual and tax reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Federated Student Loan Services
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid data set that contains personal information of students enrolled in the federal student aid program. My information was among that dataset that has been compromised and I was not provided with an option of consent for such action against my personal information including information that may pose a risk for security of my identity.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Debt was placed on my credit, not knowing about it. I do not recognize the debt XXXX XXXX, and XXXX XXXX reports in different debt on my credit report. I need it removed debt is not showing on all XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NC

Complaint narrative:
I am a victim of identity theft. There are several inaccuracies and inquiries on my XXXX reporting credit agencies.

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 2025-03-15 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: CA

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

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : #, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX hese accounts have violated my rights. 

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 antedates 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 explanation
Consumer complaint received 2025-03-15 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: LA

Complaint narrative:
Experience has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against experian election systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience. Where experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: LA

Complaint narrative:
Experience has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against experian election systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience. Where experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-03-15 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: GA

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


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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 antedates 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 2025-03-15 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! Sincerely, Your name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, for the following account Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XXXX has constantly made mistakes regarding my payments. I have contacted and spoken to XXXX on multiple occasions and they have told me that these payments are not to be made through XX/XX/year> due to being in Student forbearance and switching of servicers. Yet, these payments are still being shown as late, which caused a significant drop in my Credit Score reported, which is unacceptable. This information reflected on my credit report is extremely inaccurate. Regardless, payments have still been made while in forbearance. The incompetency and inaccurate reporting has led from my Credit Score going from excellent to unfavorable in a matter of minutes.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In last few weeks, because of retirement, and financial limitations, I have attempted to obtain loan forgiveness, and I do work in the community public sector for years. As a XXXX XXXX XXXX, now as a XXXX XXXXXXXX XXXX XXXX XXXX XXXX Now with this administration my privacy begin violated, by XXXX XXXX and company. I feel my loan should be forgiven. I have attempted to be free of this loan, which has changed hand 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
As an official payment, it is important that the 2023 XXXX XXXX XXXX payment is accurately reflected on my credit profile. However, I recently noticed that the payment was reported as late, despite the fact that it was made on time. I immediately contacted a representative to rectify this issue. I want to ensure that my credit profile accurately reflects my responsible payment behavior. Therefore, I am kindly requesting that the 2023 late payment is removed and the records are adjusted to show that the payment was made on time. It is crucial that my credit profile accurately reflects my financial responsibility and reliability. Your prompt action on this matter would be greatly appreciated. Thank you for your understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Escalation Complaint XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Escalation Goldman Sachs ( Apple Card ) Reporting Multiple Charge-Offs in Violation of FCRA Dear Consumer Financial Protection Bureau , I am escalating my previous complaint against Goldman Sachs Bank USA ( Apple Card ) due to their failure to properly investigate my dispute regarding inaccurate and duplicate charge-off reporting on my credit report. 

Details of the Complaint : Account Number : Ending in XXXX Charge-Off Reported : XX/XX/XXXX Inaccuracy : My credit report shows repeated charge-offs ( CO ) for multiple months in XXXX and XXXX, which violates the Fair Credit Reporting Act ( FCRA ). 
A charge-off can only be reported once, and it is inaccurate to list it multiple times as a recurring event. 
The payment history also shows late payments after the charge-off date, which is factually incorrect since an account can not accrue new late payments after being charged off. 

Companys Response to My Initial Complaint : Goldman Sachs responded on XX/XX/XXXX, claiming that their reporting is accurate. 
However, they failed to address the FCRA violation regarding the repeated charge-off entries. 
They provided account statements but did not explain why they are reporting multiple charge-offs over several months.

Requested Resolution : 1. Require Goldman Sachs Bank to provide a full justification for reporting multiple charge-offs or demand that they correct this inaccurate reporting immediately.

2. If Goldman Sachs can not justify this reporting practice, CFPB should order the removal of the duplicate charge-off entries.

3. Ensure Goldman Sachs complies with FCRA regulations, which prohibit duplicate negative reporting.

Attachments : Copy of my credit report, highlighting the duplicate charge-off entries. 
Previous correspondence with Goldman Sachs, where they failed to address the reporting error. 
Proof of identity I request that the CFPB investigate Goldman Sachs failure to verify their reporting and take appropriate action to correct the inaccuracy. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: CT

Complaint narrative:
Account is up to date and not late credit report shows that I'm pass due and haven't made any payments score went down by XXXX points because of the situation the loans was from Mohela

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 antedates 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 explanation