vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
My wife passed away in XXXX of XXXX, she passed unexpectedly and it took me a little bit to get any financial means in order. My wife had a loan out for a vehicle that I did not co sign or get with her. I did call this company to let them know of my wifes passing and asked how I could get this changed over to me, I did make a {$XXXX} payment as she was passed due on the loan. When I called again a few months later to make another payment I was told to that no one could talk to me because I was not the POA for my wife. The following week the vehicle was repossessed and I made no complaint. In XXXX I was served with court papers stating that I was being sued for the remaining balance after the sale of the vehicle. I was able to provide all information I had and the case was dismissed. I am now still receiving invoices from credit acceptance for the same amount.

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 2025-02-17 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: OH

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-02-17 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: MOHELA
State: WI

Complaint narrative:
I spoke to a representative previously who set up an automatic payment plan. Without my consent or any correspondence, the plan stopped. Now, I am trying to call during a time period their automated system lists as a business hour, but I am told that they are not open. I can not find a way to speak to someone in charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MD

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the charge-off on the account referenced above. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I respectfully request the immediate removal or correction of the inaccuracies related to this account. The following points outline my specific dispute : 1. Inaccurate Reporting : The charge-off listed on this account is inaccurate and must be corrected or removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, accounts that have been charged off must reflect the correct reporting of account status, including whether the debt was paid or settled. If the charge-off was reported in error or the information is not substantiated, it is required by law that it be corrected. Please provide proof of the charge-off date and details of any payments or settlements made, as I believe this information is incorrect. If I have made any payments or settlements, I request that the reporting be updated to reflect this. If not, I request that this item be removed from my report as per the regulations governing charge-offs. 2 1099-C Request Ignored : I have submitted a request for a 1099-C ( Cancellation of Debt ) form, as required by the Internal Revenue Code ( IRC ) 6050P. This form is necessary for reporting canceled debt that exceeds { {$600.00} }, which could affect my tax obligations. Despite my request, I have not received the 1099-C form or an appropriate response. Under IRS guidelines, failure to issue the 1099-C form within a reasonable timeframe is a violation. I am requesting immediate action to provide me with the required 1099-C form and the appropriate documentation showing that the debt was canceled. 3. Request for Removal from Credit Report : Given the inaccuracies and failure to issue the necessary documentation, I am requesting that this account be removed from my credit report. Under the FCRA, inaccurate or unverifiable information must be deleted, and failure to respond to my dispute request within the legally mandated timeframe ( 30 days ) requires the immediate removal of this item from my credit file. I kindly request that you thoroughly investigate these inaccuracies and remove any incorrect or unverifiable information related to this account from my credit report. If I do not receive a timely response, I will pursue further action under the FCRA and other applicable consumer protection laws. Please respond in writing to my address listed above within the 30-day period mandated by the FCRA.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute inaccurate information on my credit report regarding the charge-off on the account referenced above. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I respectfully request the immediate removal or correction of the inaccuracies related to this account. The following points outline my specific dispute : 1. Inaccurate Reporting : The charge-off listed on this account is inaccurate and must be corrected or removed. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, accounts that have been charged off must reflect the correct reporting of account status, including whether the debt was paid or settled. If the charge-off was reported in error or the information is not substantiated, it is required by law that it be corrected. Please provide proof of the charge-off date and details of any payments or settlements made, as I believe this information is incorrect. If I have made any payments or settlements, I request that the reporting be updated to reflect this. If not, I request that this item be removed from my report as per the regulations governing charge-offs. 2 1099-C Request Ignored : I have submitted a request for a 1099-C ( Cancellation of Debt ) form, as required by the Internal Revenue Code ( IRC ) 6050P. This form is necessary for reporting canceled debt that exceeds { {$600.00} }, which could affect my tax obligations. Despite my request, I have not received the 1099-C form or an appropriate response. Under IRS guidelines, failure to issue the 1099-C form within a reasonable timeframe is a violation. I am requesting immediate action to provide me with the required 1099-C form and the appropriate documentation showing that the debt was canceled. 3. Request for Removal from Credit Report : Given the inaccuracies and failure to issue the necessary documentation, I am requesting that this account be removed from my credit report. Under the FCRA, inaccurate or unverifiable information must be deleted, and failure to respond to my dispute request within the legally mandated timeframe ( 30 days ) requires the immediate removal of this item from my credit file. I kindly request that you thoroughly investigate these inaccuracies and remove any incorrect or unverifiable information related to this account from my credit report. If I do not receive a timely response, I will pursue further action under the FCRA and other applicable consumer protection laws. Please respond in writing to my address listed above within the 30-day period mandated by the FCRA.

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 2025-02-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I inform there company that I had a right to my privacy and I needed them to remove those account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Tried to use a gift card online. Through XXXX and through a company clothing shop. When I called Amex they told me the merchants didn't provide them with all the information for the purchase. When I asked what information wasn't provided they weren't able to tell me. They would not help. They kept repeating the same things that it was eligible to be used and the card was fine. 

Call date is XX/XX/2025, I spoke to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX U.S.C XXXX Sec XXXX A. states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A XXXX It states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX XXXX ( A ) ( XXXX ) 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 2025-02-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX U.S.C XXXX Sec XXXX A. states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A XXXX It states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX XXXX ( A ) ( XXXX ) 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-17 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/XXXX {$4600.00} I have contacted company by email on the month of XX/XX/XXXX and sent them statement about this account with police report attached but have not received any response. I did file a police report as stated above due to being a fraudulent account on my credit that I don't recall opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-02-17 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/1973 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation