vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am filing this formal complaint against Mercedes-Benz Financial Services ( MBFS ) for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related federal regulations. These violations have caused significant harm to my financial stability and creditworthiness. 

Details of the Issue The issue concerns an account with MBFS ( Account # XXXX ) associated with my XXXX XXXX XXXX XXXX MBFS is inaccurately reporting the First Date of Delinquency as occurring later than the actual date of XX/XX/XXXX, thereby improperly extending the negative reporting period beyond the allowable seven years under FCRA 605 ( a ) ( 15 U.S.C. 1681c ).

Additionally, MBFS has failed to issue a Form 1099-C for the charged-off balance of {$29000.00}, as required under Internal Revenue Code 6050P.

Violations Identified : 1. -Violation of FCRA 605 ( a ) : Continued reporting of outdated negative information beyond the seven-year limit. 
2. -Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Failure to report accurate and complete information.

3. -Failure to Investigate Disputes : MBFS has failed to correct inaccuracies despite multiple disputes, violating FCRA 611 ( a ) ( 1 ).

4. -Failure to Issue Form 1099-C : Non-compliance with federal tax laws, which require creditors to issue this form for charged-off debts exceeding {$600.00}. 

Actions Taken I have attempted to resolve this matter directly with MBFS on several occasions, including sending certified letters to their corporate office and to the President and CEO, XXXX XXXX. The letters were delivered on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( to CEO XXXX XXXX ) Despite these efforts, MBFS has not corrected the inaccuracies nor responded to most of my certified correspondence. The only response I received was to the letter sent to their CEO on XX/XX/XXXX, and that response failed to address the primary issues, including the reporting of the First Date of Delinquency. 

Request for Assistance I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate MBFSs actions and enforce compliance with federal law. Their continued inaccuracies, failure to resolve disputes, and neglect in responding to consumer requests demonstrate a disregard for consumer protection laws. XXXXegulatory intervention is essential to prevent further harm to myself and other consumers who may be experiencing similar issues.

Thank you for your attention to this matter. I am including all supporting documentation, including copies of my correspondence, credit reports, and MBFSs response, upon request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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 2025-01-23 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: FL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I FELL VICTIM TO THE XXXX DATA BEACH AND OTHER DATA BREACH

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 2025-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inadequate Investigation into Credit Reporting Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding Equifaxs investigation into inaccuracies on my credit report. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), which mandates that consumer reporting agencies ( CRAs ) act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities.

Explanation of the Issue Failure to Conduct a Fair Investigation : Equifax failed to investigate disputed information thoroughly, relied solely on automated processes, and did not provide adequate documentation supporting their findings. This lack of due diligence undermines the FCRAs purpose of promoting accuracy and fairness in consumer credit reporting. 
Violation of Privacy Obligations : The FCRA requires CRAs to respect the privacy of consumers. 
The furnishing financial institution has disclosed late payment information to unauthorized parties or failed to protect such data from unauthorized access. 
The furnishing financial institution has not informed me of my right to opt out of sharing my personal information with nonaffiliated third parties. 
Inaccuracies in Credit Reporting : Equifaxs failure to ensure the accuracy and validity of the disputed debts and accounts has caused significant harm. These ongoing reporting errors have resulted in consequences such as denial of credit, higher interest rates, and damage to my personal and financial reputation.

Legal Basis Provisions of the FCRA Violated : 15 USC 1681c ( a ) ( 5 ) : This section states that no consumer reporting agency may make any consumer report containing adverse information ( other than records of convictions of crimes ) that antedates the report by more than seven years. Additionally, a CRA can not furnish an account without my written instructions. 
15 USC 1681s-2 ( A ) ( 1 ) : This section prohibits a person from furnishing any information relating to a consumer to a CRA if they know or have reasonable cause to believe the information is inaccurate.

Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy.

15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WV

Complaint narrative:
On XXXX  XXXX XXXX, I noticed some emails ( in my business account ) about new business bank ( saving and checking ) accounts applications. I called US Bank to report the issue. They verified me using SSN, DOB, name and address and took a long time and said they will send information for me to fill out and return. The phone number used was very old and not functional and email was a guess ( but email filer sends unknow business mails to my domain to my address -- this is how I knew ).

I have three issue I like to report to CFPB. 

ISSUE XXXX : Almost during the end of the call I noticed another such set of accounts being opened but using a correct personal email address and correct phone number. Can I suspect USBank reps to have done this while speaking to me? They have all the information -- since I am their mortgage customer. I would like CFPB to investigate this. 

ISSUE XXXX : Later that day I called US Bank about the second set of emails and they followed similar procedure and said they will mail some forms for me to sign. I received them later via email. These forms want me to make copies of my SSN, drivers license and other information to prove my request to close the bank accounts. This seems very unfair US Bank makes it very easy to open an account without verifying my business or email, so anyone can open an account. But now they make it complex ( at least couple of hours of work print sign, make copies go to postal office and mail ) to close. They should make it equally hard to open an account. I have already lost more than two days of time and more days worrying about this. Please help to make this right. Opening bank accounts in someone's name should not be this easy. This is causing grief. 

ISSUE XXXX : in the morning of XXXX, about the same time as the US bank email to by business account, I also received another from XXXX XXXX. They did not complete the account opening waiting for further information from me. Luckily they did not activate my account.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am finally a complaint against cash app block Inc. due to in adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) pacifically Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. furthermore dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFT ) 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 2025-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received federal student loans from Sallie Mae in XXXX. The loans were discharged/ forgiven since the school ( XXXX XXXX ) engaged in fraudulent misconduct as there was a lawsuit this company. The loans were later transferred to Navient ( Now XXXX ) in XXXX which discontinued federal loans and only engaged in private loans from this time moving forward. Now, XXXX XXXX XXXX ( XXXX ) based in Ohio is charging me for one of my federal loans in that amount of {$10000.00} which was initially {$5700.00} with an added interest of XXXX and an additional fee of {$25.00}. the initial loan was federally discharged and forgiven, but in the interim between Sallie Mae and Navient, this information was lost. Navient ( XXXX ) refuses to assist me and constantly transfers me to XXXX XXXX XXXX. I can send information from the Federal Student Aid department that this loan was completely cleared. Additionally, the amount reported by XXXX is not showing in my credit report at all. I question if this amount is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I checked my credit report and found fraudulent accounts. This is hindering me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I checked my credit report and found fraudulent accounts. This is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I checked my credit report and found fraudulent accounts. This is hindering me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-23 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: CA

Complaint narrative:
I have disputed several accounts with XXXX, XXXX, and Transunion on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My data was involved in a data breach which caused identity theft. I reported this to them along with documentation and it still shows on my report. They never investigated anything just denied my disputes multiple times.

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 2025-01-23 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: CA

Complaint narrative:
I have disputed several accounts with XXXX, Equifax, and XXXX on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My data was involved in a data breach which caused identity theft. I reported this to them along with documentation and it still shows on my report. They never investigated anything just denied my disputes multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
On multiple occasions I have disputed incorrectly reported in formation on my credit all for the credit bureau to still report these disputes on my credit I have asked them to provided me with information and I have not receive anything other them telling me that the information is reported accurately. 

XX/XX/year> Report Number XXXX Reported XXXX  XXXX XXXX credit card that was not mine and incorrectly reported on my credit which still remains also under same report I reported XXXX XXXX that was paid off that should have been removed from my credit witch is still being reported I have disputed both of these items multiple times with no result or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. Accounts in question, ALL INQUIRIES!!

Company response to consumer: Closed with explanation