vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: OR

Complaint narrative:
I have never missed a payment on this loan. I tried to make a principle payment of $ XXXX. First investors refused it. Then they graciously let me make XXXX separate {$2500.00} payments. Subsequent to that First investors has refused to let me make additional payments on the loan. This is a simple interest loan. Everyday the balance and interest is calculated. This means that FIFS ( First investors financial services ) has been in breach of contract. They have breached it by forcing me to pay interest on principle that I tried many many many times to pay down. I filed a XXXX  complaint and was told they had talked with me, they never once have, and to go ahead and file an FTC complaint. I filed the FTC complaint and a complaint with FIFS directly. I got an email blaming their payment system. I didn't sign a contract with their contracted payment system. Their refusal to accept payment or their payment system not working, will have great financial impact on me in addition to emotional stress. I expect FIFS to be punished. I expect the title to my truck. And I expect compensatory damages.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, I had applied for a Capital XXXX card. About a week later, I received a Capital XXXX One card instead. The XXXX card offered XXXX Capital One XXXX miles as a sign up bonus through a referral link, which is conservatively valued at {$1800.00}. The XXXX XXXX card offers no sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: MD

Complaint narrative:
Checked credit over the weekend and found out I had collection accounts associated with my social security number, but I have never owned a mobile device. I've been on my father 's account since I was XXXX and he is not with the company in question

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Apelles, LLC
State: FL

Complaint narrative:
I am aware of the debt and in the process of arranging payments The debt collector is calling places of employment and I have co-workers now entitled to information that is not any of their business. One coworker said they were extremely rude to her and she felt threatened. Please ask the debt collector to only call my cell or home phone. If I don't answer, leave a message or mail me a bill. My employer does not allow employees to accept personal phone calls. 
Calling repeatedly is an abusive or harassing manner will not be expected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX EXP

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I am an employee for the XXXX XXXXXXXX XXXX XXXX and have been working toward PSLF >10 years. They should have been forgiven XX/XX/year>. Last summer, when everyone 's SAVE loans were put on administrative forbearance, they said that payments would NOT count toward PSLF going into effect XX/XX/XXXX. All prior payments were counting toward forgiveness. I have filed multiple feedback cases, called both my servicer, Mohela and Student Aid.gov repeatedly, sent emails, and do not get responses. My feedback cases get closed with no resolution. 

I currently show XXXX eligible payments toward the 120 required for forgiveness, however, they did not count my XXXX  XXXX and XXXX payments ( due date of the XXXX ) even though the SAVE forbearance did not go into effect until XX/XX/XXXX. I have also since made the XXXX payment. I have made multiple requests for a recount since XXXX of last year. 

I also filed for buyback ( even though I should owe nothing, once they perform the recount and acknowledge the payment I made during forbearance ) in XXXX and have not heard back from that either. 

Mohela points the finger at Student Aid, and Student Aid right back at Mohela. Neither will actually respond, update my count, or process the buyback. These loans should have been forgiven last year -- I've done my part as a XXXX  XXXX. 

We are now facing terminations and there's a chance I could lose eligibility for PSLF that should have already occurred because of mass XXXX? Long before any of these issues and lawsuits came up I should have been eligible for forgiveness but can not get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Model Finance Company
State: CA

Complaint narrative:
i purchased a motorcycle through XXXX XXXX XXXX  and they got me approved with a loan from model finance, i was extremely happy, even tho my APR was 21 percent, they did not try very hard there to help me get a lower APR. 2 months go by and on the third month i find out that i already have a late payment as of the XXXX, but for some reason model took the payment out on the XXXX instead of the XXXX. the new finance company ( XXXX XXXX ) will only take out the money on the XXXX. i called them multiple times and i constantly cant figure out how to reach a person, there is no option for it. i have to end up calling a number that had been trying to reach me for the missed payment. after i finally found out my loan was sold and had to go on a wild goose chase because when XXXX XXXX called my they sounded like an XXXX on a scam call asking for me and that they have some business for me, no mention of hey do you have a motorcycle loan. this has caused many problems, I'm not able to buy groceries because i cant get the finance company model finance to move the due date they keep saying they will but never do, after arguing with them over the the phone. i made a due date promise to pay by XX/XX/XXXX, i made the payment on the XXXX because i was supposed to, make it by the XXXX, well westlake financial just charged me again on the XXXX, and i dont want to agru with them anymore this whole finacial loan stuff is absolute XXXX, no regulations just let people like me get XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX for a XXXX loan in apr, america should be ashamed, land of the free? more like land of the XXXX as many people over so i can live in a bigger house.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: PA

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.

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
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights. 

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NV

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-22 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 am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account XXXX XXXX XXXX XXXXXXXX This account is not mine and I dont know this account

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against DEPTEDXXXX as reported by TransUnion and Equifax for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal protections.

Account Information : Creditor : DEPTEDXXXX Account Type : Installment ( Educational ) Account Status : Closed / Paid Date Opened : XX/XX/XXXX ( TU ) / XX/XX/XXXX ( EQ ) Last Reported : XX/XX/XXXX ( TU ) / XX/XX/XXXX ( EQ ) Balance : {$0.00} High Credit : {$3000.00} Comments : Dispute resolved; reported by grantor ( TU ) Violations Identified : Obsolete Reporting FCRA 605 ( a ) : This account was last active in XX/XX/XXXX. The FCRA limits the reporting of closed/paid accounts with no negative history to 10 years from the date of closure. As of XX/XX/XXXX, this account is beyond the 10-year reporting window and should no longer appear on my credit report. 
Incomplete and Inconsistent Reporting : Equifax lists the account as Paid, while TransUnion lists it as Closed. These statuses must be consistent across all bureaus per FCRA 607 ( b ).

There are no negative payment remarks or delinquencies, yet the account continues to appear in my file without any purpose, creating an unnecessary data footprint.

Failure to Delete After Dispute ( FCRA 611 ) : The account shows a comment : Dispute resolved ; reported by grantor. This is misleading and prejudicial, as it implies a disputed derogatory item even though the account shows {$0.00} balance and no delinquencies. If the account has been resolved, it should be fully corrected or removed, not left with a prejudicial notation.

Violation of My Right to Accurate and Fair Credit Reporting : Reporting outdated, misleading, or unclear information violates the FCRA and negatively impacts my creditworthiness. I have the right to a fair and fully accurate credit profile.

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE ( Department of Government Education ) were given unprecedented access to vast amounts of educational data including DEPTEDNELNET records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report.

I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Formal Complaint Regarding Violations in Mercedes-Benz Retail Installment Sale Contract ( Contract # XXXX, Customer # XXXX ) Dear CFPB, I am writing to file a formal complaint against Mercedes-Benz of XXXX XXXX and Mercedes-Benz Financial Services USA LLC for violations of federal and Florida consumer protection laws in a Retail Installment Sale Contract ( RISC ) dated XX/XX/year>. Below are the identified violations : 1. Truth in Lending Act ( TILA ) Violations Inaccurate " Amount Financed '' Disclosure ( 15 U.S.C. 1638 ) : The contract understates the Amount Financed by failing to properly itemize fees ( e.g., {$9700.00} in " Other Charges '' on Page 2 ). 
Undisclosed Loan Processing Fee : Fees for maintenance plans ( XXXX ) andtire/wheelcoverage XXXX ) andtire/wheelcoverage ( XXXX ) were misrepresented as " XXXX  '' in Item 6. 
2. FTC Used Car Rule Violation Failure to Provide " Buyers Guide '' : No evidence of the FTC-mandated Buyers Guide ( 16 C.F.R. 455 ), depriving the buyer of critical disclosures. 
3. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Violations ( Fla. Stat. 501.201 et seq. ) Deceptive Practices : Misrepresenting the APR as " negotiable '' without clarity ( Page 6 ). 
Failing to disclose fees and omitting the Buyers Guide, which constitutes unfair and deceptive conduct under FDUTPA. 
Statute of Limitations : FDUTPA claims are actionable for 4 years from the date of the violation ( Fla. Stat. 95.11 ( 3 ) ( f ) ). This contract was executed on XX/XX/year>, and the complaint is timely. 
4. Unfair Arbitration Provision ( 12 C.F.R. 1040 ) No Opt-Out Mechanism : The arbitration clause ( Page 5 ) violates CFPB guidelines by waiving class actions without a clear opt-out process. 
5. Incomplete Sellers Right to Cancel Terms Blank Cancellation Period ( Fla. Stat. 520.07 ) : The Sellers Right to Cancel ( Page 5 ) includes " N/A days, '' rendering it unenforceable and misleading.

Company response to consumer: Closed with explanation