vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, a towing company came to pick up the XXXX XXXX XXXX XXXX XXXX XXXX I came outside resisted by sitting in the car while I told him I was on the phone paying the debt. I paid the {$1600.00} on the phone and the tow truck driver was advised to let the car down. He did not and took the car. I called and asked when I can pick up the vehicle since it was paid. They advised I had to wait 24 hours. Since the 24 hours I called on Saturday and they were closed, I called Credit Acceptance where they customer service reps were extremely rude and they stated my account was under review due to it being a threat. I advised of what occurred and I at no point was a threat. Because they took the car while I sat in the car and paid it, the tow company and finance company disturbed the peace. No where in the contract it states, they would hold the car until anything is investigated. Credit acceptance is unlawfully holding the car but accepted the payment. I also offered to pay the accepting with a debit card and they refused payment. Credit acceptance is in debt to me {$3000.00} for the automobile I traded in and I will no longer be responsible for the loan on the XXXX XXXX I advised I needed the automobile back immediately due to being in a XXXX XXXX situation. They advised it is their policy that they would hold the car until they see fit. I will not pay the car if I do not have access to the car, they are breaking contract and refusing the payment via debit card when I already paid ACH. I paid over {$2700.00} in repairs to the XXXX XXXX XXXX due to it being sold to me with issues.

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 2025-01-01 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: NJ

Complaint narrative:
My data was a victim or a data breach, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute accounts on my credit report that were fraudulently opened without my knowledge or consent. I believe I am a victim of identity theft, as these accounts do not belong to me, and I have never authorized them. I request that these fraudulent accounts be investigated, removed from my credit report, and any associated negative information be corrected immediately. Please let me know if additional documentation or information is required to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Self Financial Inc.
State: NJ

Complaint narrative:
My data was a victim or a data breacXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute accounts on my credit report that were fraudulently opened without my knowledge or consent. I believe I am a victim of identity theft, as these accounts do not belong to me, and I have never authorized them. I request that these fraudulent accounts be investigated, removed from my credit report, and any associated negative information be corrected immediately. Please let me know if additional documentation or information is required to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
My credit file was pulled and didnt receive a product and this is a violation and identity theft.

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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan Financial Services, the provider for my business XXXX through XXXXXXXX XXXX XXXXas unjustly charged me {$70.00} in interest on XX/XX/XXXX. This XXXX XXXX on Purchases fee is dated/posted XX/XX/XXXX, yet it did not appear on my XXXX bill which last transaction was posted XX/XX/XXXX. They slipped in this unjustified charge without me seeing it. I discovered it over last weekend when I happened to log in online to look at recent charges. Elan is determined to get some interest from me since for the past 2 years 10 months I have had this business Visa through them, I have always paid my balance off each month in full. Never has there been yet even {$1.00} balance left unpaid. 
I called Elan on this wrong interest charge yesterday. XXXX XXXX XXXX said it was for XXXX days late on the XXXX bill payment that was due XXXX XXXX. Let me explain that this was still unjustified. First, let me note the fact, as my previous statements revealed, that they did the same thing to me in XX/XX/XXXX with an unjustified Interest charge of {$70.00}, when my payment was not late. They were hoping that charged wrongfully slipped in that I would not catch. But I did catch it and I called then about that interest charge, and the XXXX waived it and credited back to me. If it was a justified charge, they would not have credited back to me. Now 13 months forward, they did the same thing but this time they did not waive it. Why is it unjustified? CSRs claim was it was based on the payment be late 3 days. But she admitted it was received on Mon. XXXX XXXX. So XXXX XXXX should not be counted as a day. Second, the day before is a Sunday, and XXXX is closed on Sunday. Sunday should not be counted either, for this is penalizing customers for the business being closed on Sunday! Thirdly, the fact is, I mailed this bill by XXXX on Monday XXXX XXXX. And it should have arrived by XXXX. It is clear that XXXX is trying to get some unjustified interest money from me. Lastly, the balance of this XXXX bill due XXXX XXXX was {$1600.00}. It plain wrong to charge {$70.00} of interest for a bill the could have been 2 days late ( but XXXX not even have been late and this could be a sheer corruption charge. And this corruption needs to be reported to the CFPB. 
After this gets settled, I will be securing credit with another financial institution and canceling this account with 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 2025-01-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit file was pulled and didnt receive a product and this is a violation and identity theft.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom it may concern, I am writing this letter as a formal complaint against Experian, XXXX and XXXX. I have made several attempts to have my personal information on file updated and the removal of all inaccurate information. As they are not deliverable to me by U.S postal office, and they are not reportable as per the F.C.R.A section 623 ( 15 U.S.C 1681-2 ) responsibilities of furnishers of information. These agencies continue to report my personal information inaccurately, which is damaging to 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 2025-01-01 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
American First Finance ( AFF ) is a predatory lender that targets poor and vulnerable people, XXXX XXXX XXXXXXXX, the elderly, etc. to extract as much money as they can. They make it almost impossible to make a payment. You can only use your bank account or debit card to pay. No credit cards, not even XXXX XXXX or XXXX. Then, you are forced to make a " payment arrangement. '' They will either not take your payment at all, or wait a good week or so to take it, causing you to overdraft and rack up late fees and additional interest. A quick XXXX search shows AFF has been the subject of much litigation. I have spent hundreds of additional dollars each month, trying to get caught up, however, no amount of effort on my part makes a dent in my balance. I have given up and am strongly considering bankruptcy as an option. However, AFF should really waive everything and bring my account current. And accept payments. I am a Veteran, and this is no way to treat people who served their country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been a victim of identity theft. I have no knowledge of this account. As I am looking to build my credit when I logged into XXXX XXXX I notice unauthorized accounts that has never been tied to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: AL

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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
My personal information was breach due to the data breach with XXXX and experian. I receive notications often that my social and email address is on the dark web.

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 2025-01-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below 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  Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below 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  XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I consolidated my student loans ( before ) and by XX/XX/XXXX to get the full benefits of the ( my ) Payment Count adjustment ( click on the link at https : //studentaid.govXXXX XXXX 
Federal Student Aid promised to count and adjust my payments after consolidation, before the end of 2024. Up to date I have been scammed by Federal Student Aid in the following way : a ) I consolidated my student loans and now XXXX is placing {$870.00} per month payment on my student loans. 
b ) My Payment Count toward forgiveness was never process by Federal Student Aid, and I can not afford the payment of $ XXXX. asked by XXXX. 
c ) Automatically, due to Federal Student Aid frivolous rule about SAVE plan, XXXX switched me from REPAYE plan to SAVE plan, WITHOUT MY AGREEMENT ( SEE THIS : " If you were on the REPAYE Plan, you've been automatically enrolled in the SAVE Plan. There is no need to reapply or request to change your plan '' ). 
D ) NOW, I have to re-apply for a plan in which I was originally enrolled before the consolidation of my student loans, and for which plan I already have been applying for several years, and should not be applying now, after the consolidation for the second ( XXXX ) time! Because such misled action was promoted by Federal Student Aid!!! 
XXXX ) All of the above, proves that Federal Student Aid scammed me/lied to me { likewise millions of other former students, who were scammed to consolidated their student loans } as today SAVE plan is invalid. 
****Under IDR REPAYE, I must know when ( what month/year ) I will be eligible for IDR forgiveness. Why should I reapply for REPAYE/IDR plan ( and be misused by the Federal Student Aid again ), as I NEVER SWITCHED ALONE, OR WANTED TO BE INCLUDED IN the SAVE PLAN? I EVEN WROTE TO FEDERAL STUDENT AID not to switch me, BUT WAS IGNORED, and XXXX placed me under SAVE Plan?

If the SAVE is not valid plan today, why does the Federal Student Aid automatically not place all students, who Federal Student Aid frivolously pushed to be in the SAVE plan BACK TO THEIR IDR FORMER PLANS?

Company response to consumer: Untimely response
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All my information was exposed in a data breach recently in 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All my information was exposed in a data breach recently in 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 2025-01-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
I believe that Vanderbilt mortgage is performing accounting malpractice on my annual escrow analysis account, because they have done 3 different escrow analysis and they all are coming up with different numbers and different monthly payment amounts. I have asked them on 4 different occasions to reevaluate my escrow account and they've come up with different payments and numbers every time. The fourth time I asked them, they said they was not going to do another one. Since I bought my mobile home a year ago my payments on my mobile home has gone from {$620.00} to XXXX, back to {$740.00}, back up to {$870.00}. Only thing I have that should be in my escrow account is my homeowners insurance of {$1200.00} annually and {$24.00} dollars annually property taxes, because I rent a mobile home lot from a property owner. The numbers just isn't adding up, and it seems to me as if the mortgage company trying to defraud me because they've done four escrow analysis and came up with different numbers every time. Based on my calculations, my escrow shortage deficiency should not be but {$520.00} annually plus the {$24.00} dollars annually property taxes. My regular physical damage insurance remained the same for the coming year 2025 which is {$1200.00}. This company is practicing accounting malpractice on my account and that's illegal. The numbers not adding up at all. My total monthly pay should be around $ XXXXmonthly.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I do not know the company XXXX? Began sending unwanted bills, sharing my identity/social security and harming my credit score! I never agreed to anything with XXXX. 
I get unwanted calls and collection debt threats I have a unwanted unpaid debt to my credit score.

Company response to consumer: Closed with explanation