vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Account was opened under business, company name ( XXXX name ) I stand only as guarantor. Its a business loan so it should not be reported on my credit at all. it is held in company name, title is held in company name. need it removed from my personal credit report as it is negatively affecting my credit score account was setup for ACH for them to pull payments out from business company XXXX account. need missed payment removed from credit report as it is negatively affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I recently financed a vehicle through XXXX XXXX XXXX. I specified which lenders the dealership was authorized to run my credit with, but they arbitrarily ran my credit with lenders that I did not authorize. I contacted XXXX to explain the situation and they did dispute and delete duplicates, but they did not remove all of the inquiries I noted that I did not authorize. The instead told me to contact each lender individually and request that they send XXXX a notice to delete the inquiry. In this case, where I did not authorize the hard inquiries and also do not have the necessary contact information to dispute each item individually, I am writing to CFPB in an effort for a swift resolution as I now have 10 unauthorized hard inquiries that are not scheduled to be deleted until 2027.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I recently financed a vehicle through XXXX XXXX XXXX. I specified which lenders the dealership was authorized to run my credit with, but they arbitrarily ran my credit with lenders that I did not authorize. I contacted XXXX to explain the situation and they did dispute and delete duplicates, but they did not remove all of the inquiries I noted that I did not authorize. The instead told me to contact each lender individually and request that they send XXXX a notice to delete the inquiry. In this case, where I did not authorize the hard inquiries and also do not have the necessary contact information to dispute each item individually, I am writing to CFPB in an effort for a swift resolution as I now have XXXX unauthorized hard inquiries that are not scheduled to be deleted until 2027.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, UT. XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/scrub>/2024 To Whom it may concern, I am reaching out because Experian is helping account name put incorrect information on my credit report related to the account below : Account Name :XX/XX/XXXXAccount # : XXXX As defined by the IRS XXXX The IRS considers a charge-off to be income, either as gross or ordinary income, income like this doesn't belong on a credit report, so this information on my credit report isnt accurate.

IRS rules classify any canceled debt or charge-off as income. Reporting this as a debt is incorrect.

According to 15 USC 1681 s-2, account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) : ** A person shall not furnish information relating to a consumer to any reporting agency if the person has been notified by The consumer at the address specified by the person for such notices, that specific information is inaccurate, and ; the information is, in fact inaccurate. 

In summary, Ive shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my The Report violates the Credit Reporting Act and your role as a credit reporting agency. 

Please delete this incorrect information from my report immediately 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 :XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX (XX/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 2025-01-22 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: NC

Complaint narrative:
My credit score with Experian has gone down over 10 points with no explanation or no new inquiries on 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attaching ftc report Date : XX/XX/XXXX Dear Experian, XXXX, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXT XXXXXX/XX/XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and XXXX don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

( ( ( NOTE... VALID FTC REPORT ATTACHED ... AS WELL AS SOCIAL SECURITY CARD AN DRIVER LICENSE ) ) ) Thank you for your time and help in this matter. 

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As a federally protected consumer I have opted out of any consent I may have given, knowingly or unknowingly, written or verbal pursuant to 16 CFR Part 642. 



In XX/XX/year>2024, I called and notified that I was a victim of identity theft. I was instructed to submit a copy of the police report. I submitted my police report for identity theft and the items were removed, however, they were put back on my report. I called again regarding this issue in XXXX of 2024 as well as to notify that my information had been part of the data breach. This reporting agency not only failed to protect my personal and financial information, but they continuously report inaccurate and false information, despite receiving documentation that refutes the report. 

This reporting agency failed to follow reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1681e ( b ). This a direct violation of the FCRA and the Consumer Financial Protection Act. They have conducted sham investigations rather than properly reviewing the disputes as required by federal law. They have also refused to investigate hard inquiry disputes and ensure previously deleted tradelines are not improperly reinserted into a consumer 's file.

This reporting agency has marked the disputed accounts as " disputed '' on my credit report. The derogatory remarks have caused me significant harm, including but not limited to : financial losses, denial for credit, extremely high interest rates, emotional distress, loss of business, loss of access to funding.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
As a federally protected consumer I have opted out of any consent I may have given, knowingly or unknowingly, written or verbal pursuant to 16 CFR Part 642. 



In XX/XX/scrub> 2024, I called and notified that I was a victim of identity theft. I was instructed to submit a copy of the police report. I submitted my police report for identity theft and the items were removed, however, they were put back on my report. I called again regarding this issue in XXXX of 2024 as well as to notify that my information had been part of the data breach. This reporting agency not only failed to protect my personal and financial information, but they continuously report inaccurate and false information, despite receiving documentation that refutes the report. 

This reporting agency failed to follow reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1681e ( b ). This a direct violation of the FCRA and the Consumer Financial Protection Act. They have conducted sham investigations rather than properly reviewing the disputes as required by federal law. They have also refused to investigate hard inquiry disputes and ensure previously deleted tradelines are not improperly reinserted into a consumer 's file.

This reporting agency has marked the disputed accounts as " disputed '' on my credit report. The derogatory remarks have caused me significant harm, including but not limited to : financial losses, denial for credit, extremely high interest rates, emotional distress, loss of business, loss of access to funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate and verify negative items on my credit report. These inaccuracies and Equifax 's improper handling of disputes have significantly impacted my credit score and financial opportunities. 

The negative items in question include, but are not limited to : Late Payments Bankruptcies Charge-Offs Collections Unverified or Unauthorized Credit Inquiries Nature of the Complaint Inadequate Verification Processes : I have disputed multiple negative items on my credit report with Equifax, yet the company continues to report them as " verified '' without providing any detailed evidence of their verification process. As required under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must conduct a reasonable investigation into disputes, and I believe Equifax has failed to meet this standard.

Failure to Provide Proof of Verification : Despite my requests, Equifax has not provided sufficient documentation to support the validity of the disputed items. I have not received original creditor agreements, account records, or any tangible evidence that these items are accurate or legitimately reported. Their generic responses strongly indicate a lack of meaningful investigation. 

Retention of Inaccurate or Unverified Information : Equifax continues to report several items that I believe are either outdated, unverified, or inaccurate. For example, I have identified unauthorized credit inquiries, as well as accounts that may have surpassed the statute of limitations for reporting, which Equifax has refused to address despite my disputes. 

Harm to Creditworthiness : These unresolved inaccuracies are causing unnecessary harm to my credit profile and limiting my financial opportunities. Equifax 's refusal to properly investigate or remove incorrect information has amplified the financial and emotional strain caused by these errors. 

Accounts but not limited : 1. XX/XX/XXXX LATE PAYMENTXX/XX/XXXX. XXXX LATE PAYMENT AND OVER LIMIT 3. XXXX XXXX 4. XXXX ACCOUNT SYSTEMS- COLLECTION 5. BANKRUPTCY XXXX XXXX # XXXX 6. ALL CREDIT INQUIRES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

Company response to consumer: Closed with explanation