vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
XX/XX/2023 : Called Mercedes Benz Financial to report I was incorrectly listed as a co-signer on a vehicle purchase. They said they would get back to me. 
XX/XX/2023 : Contacted Mercedes Benz of XXXX XXXX. XXXX, TX. They said they can not do anything to help XX/XX/2023. Contacted Mercedes Benz Financial. I was instructed to mail a letter. I mailed the letter on XX/XX/2023 via certified mail. XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2023. Reported the credit dispute to XXXX. 
XX/XX/2023. XXXX contacted Mercedes Benz Financial and said they would not remove XXXX XXXX as a co-signer. 
XX/XX/2023 : I Contacted Mercedes Benz Financial, and they said I have to wait for a response. It takes up to 30 days. 
XX/XX/2023. I contacted Mercedes Benz Financial ; They said I have to continue to wait. 
XX/XX/2023. Submitted a new credit dispute with XXXX. 
XX/XX/2023. XXXX said Mercedes Benz Financial said they would not remove it. 
XX/XX/2023. Contacted Mercedes Benz Financial. They said I would have to wait. 
Please see attached contract from Mercedes Benz Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: 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  Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX Case Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: 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  Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX Case Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and XXXX regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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


Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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:
TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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:
TO WHOM IT MAY CONCERN : I recently received a copy of my ( Equifax ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXXXXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC
State: PA

Complaint narrative:
My car got Broken in to on XX/XX/2022 I didn't no until the next day I call the cops and did a police report and told them me and my kids ssi my ID and password was stolen then I contact XXXX and open account with them to get my ssi number identify modified please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are from XXXX it is now XXXX it has passed the statue of limitations of 7 years.

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 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an auto loan with Wells Fargo and when I paid it off, they auto charged my account after the balance was paid in full. They also did not release the title to me in a timely fashion holding up the sale of my car.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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


Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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