vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Company or Organization : XXXX XX/XX/XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$4500.00} Credit Card Opened by the Thief Company or Organization : XX/XX/XXXXAccount Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$5000.00} Fraudulent Auto Loan or Lease Company or Organization :XX/XX/XXXXXXXX XX/XX/XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/scrub>/2025 Total fraudulent amount : {$18000.00} Fraudulent Insurance Company or Organization : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$140.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year>2025 Total fraudulent amount : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
Dear CFPB Complaint Team, I am filing a complaint against Charles Schwab for unnecessarily blocking my debit card while I was traveling abroad, causing financial stress and inconvenience.

After Schwab previously made an error in holding a duplicate charge on my account ( which I filed a CFPB complaint about ), they then blocked my entire debit card over a {$2.00} transaction instead of simply blocking the merchant or verifying the charge with me.

As a result, Schwab forced me to wait for a new card to be shipped internationally, putting me at risk of running out of money while traveling in XXXX. Schwab could have easily blocked the specific transaction instead of disabling my card. This decision has caused unnecessary financial hardship and stress due to their poor fraud detection process. 

Requested Action : I request compensation for any extra costs incurred due to Schwabs mistake, including ATM fees, money transfer costs, or delays.

I request that Schwab improve its fraud protection policies to prevent unnecessary card blocks while customers are traveling.

Schwabs actions have caused undue hardship, and I request that the CFPB hold them accountable for their poor fraud handling practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services
State: MI

Complaint narrative:
RE : Credit Discrimination and Adverse Action To whom it may concern : I, the consumer and natural person, was denied credit by Mercedes Benz Financial Services when I applied for a new line of credit for a vehicle loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Mercedes Benz due to the response I received. Mercedes Benz is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Mercedes Benz. Mercedes Benz used inaccurate information to reference my credit profile. Not quite sure if this was done purposefully to make sure that I was denied an extension of my credit. If Mercedes Benz fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Mercedes Benz criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents I've provided so I can put this concern behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-06 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: IL

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
**Subject : ** Dispute AgainstXX/XX/XXXXUnauthorized Account Reporting I am filing a dispute regardingXX/XX/XXXXreporting of an account under my name. I have contacted the U.S. Department of Education, and they have confirmed that there is no record of XXXX being the servicer of any federal student loan associated with me. Despite this, XXXX has reported an account under my name without any legal documentation proving their authority. I am requesting that the CFPB take immediate action and require XXXX to : 1. **Provid verifiable documentation** proving they are the authorized servicer of my alleged federal student loan.

2. **Cease all credit reporting** of this account unless they can provide lawful proof that I am responsible for it.

3. **Comply with federal laws** regarding student loan servicing and credit reporting. 
If XXXX can not provide proper documentation from the Department of Education, their actions constitute fraudulent reporting and should be addressed accordingly. I request that this account be removed from my credit report immediately if they fail to provide legal proof. 
I appreciate the CFPBs prompt attention to this matter.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Made payments on my vehicle. Fell behind and made payments to catch up in XXXX of 2024. I was told there was nothing else due. Made extra payments in XXXX and I was told everything was fine. I received a late notification on my credit report. I called finance company and I was told I was late {$47.00}. There was a balance rolling over that was not on my bill none of the months. That is the reason for them to report my payments to the credit agencies as late. I tried making the payment on the {$47.00} dollars that were supposedly rolling balance and I was told I could not make the payment until it reflected on my account. They state they can not remove the late payments from the agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BetterNOI, LLC
State: IL

Complaint narrative:
XX/XX/year>2025 I submitted an application for an XXXX and was denied due to the credit score. The credit score from the company it was requested from was extremely lower than my known credit score. I was informed that the credit score was given from XXXX. I have proof that my XXXX credit score on my XXXX account is a different number given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute DepartmentExperian XXXX XXXX XXXX, TX XXXX Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Immediate Action Regarding Data Breach and FCRA Compliance To Whom It May Concern, I am writing to formally dispute the presence of inaccurate or unauthorized information on my credit reports provided by your respective agencies, Experian and Equifax. It has come to my attention that my personal information was exposed in a recent data breach, and as a result, my credit history has been impacted. 
Legal Framework for Dispute : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any incorrect or outdated information on my credit report. The FCRA mandates that credit reporting agencies must investigate any disputes I raise within 30 days of receipt and remove any unverifiable, inaccurate, or fraudulent data. Additionally, Section 1681e ( b ) holds credit reporting agencies responsible for maintaining accurate and complete information. 
Your failure to ensure compliance with the FCRA, resulting in the inaccurate reporting of accounts impacted by the breach, has directly affected my ability to obtain credit. I have been unjustly denied credit cards, auto loans, and subjected to higher interest rates because of this negligence. I am requesting that you : 1 Immediately remove any and all accounts impacted by the data breach from my credit file.

2 Conduct a thorough re-investigation of my credit report, ensuring that only accurate, verifiable information remains.

3 Provide me with a formal response detailing the actions taken to address this dispute. 
Please note that I am giving you five ( 5 ) business days from the receipt of this letter to resolve this matter. If I do not receive confirmation from you that my credit reports have been corrected, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for violations of the FCRA.

Pursue legal action for damages under the FCRA, including but not limited to claims for punitive damages, attorney fees, and statutory damages. 
I expect a prompt and satisfactory resolution. Failure to comply will leave me with no choice but to seek further remedies as outlined above. 
Thank you for your immediate attention to this matter. I trust that you will act in compliance with the Fair Credit Reporting Act to rectify this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a formal dispute to [ Experian/Equifax/TransUnion ] XXXX XX/XX/year> XXXX multiple inaccuracies on my credit report. This dispute included : Name Correction Address Update Derogatory Remarks Removal Illegal Debt Buying. 
Hard Inquiry Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau is required to investigate and respond within 30 days. It has now been over 30 days, and [ XXXX XXXX has failed to respond or correct these errors, which is a violation of federal 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a formal dispute to [ Experian/Equifax/TransUnion ] XXXX XX/XX/year> XXXX multiple inaccuracies on my credit report. This dispute included : Name Correction Address Update Derogatory Remarks Removal Illegal Debt Buying. 
Hard Inquiry Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau is required to investigate and respond within 30 days. It has now been over 30 days, and [ XXXX XXXX has failed to respond or correct these errors, which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/ 2024 I disputed an error on my credit report for an agency by the name of XXXX XXXX XXXX for a debt in the amount if {$300.00}.

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 2025-02-06 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-06 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:
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 : XX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation