vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I am writing to formally file a complaint against Mercedes-Benz Financial Services regarding unauthorized fees that were added to my account without proper documentation or disclosure. These fees were not reflected in my statements or included in my original contract.

Upon noticing the discrepancies, I contacted Mercedes-Benz Financial Services to resolve the issue. Despite my repeated efforts to settle the balance and obtain a clear explanation, the company continued to hold me liable for the additional charges without providing any documentation to justify them. 

During my communications with the company, they admitted that their network had provided me with incorrect information. However, instead of correcting their mistake by adjusting or removing the charges, they refused to take financial responsibility, leaving me unfairly burdened with an unexplained expense. As a result, I have been misled for months, causing unnecessary financial strain.

I am seeking the CFPBs assistance in investigating this matter and ensuring that Mercedes-Benz Financial Services provides a fair resolution, including a full review of the charges and appropriate reimbursement or adjustment to my account. I believe that consumers should not be held liable for fees that were improperly assessed due to the companys errors. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue. Please feel free to contact me at XXXX or XXXX for any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
The account in question is reporting inaccurate, I have no knowledge of this account. I called the collections and they said that the information is wrong and should come off my credit report, in order for them to do that I would have to pay a {$330.00} service fee. I will not pay on something that was reporting wrong no due to my own error but the error of the reporting

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I received a collection from Online Information Services XXXX XXXX XXXX XXXX XXXX for {$1100.00}. I called and spoke with someone at XXXX XXXX and they told me the service was turned on between XXXX XXXX XXXX. This company is based in Texas, and I live in XXXXXXXX XXXX. This is the 2nd time this is happening. I have never lived in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
A concerning collection entry has unexpectedly appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. The Fair Debt Collection Practices Act clearly establishes my right to request validation of any claimed debt, yet I was never properly informed of this collection or provided with the necessary documentation to verify its authenticity. This situation requires immediate attention to prevent unwarranted damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The loan was payed off XX/XX/year>, revieved letter that loan is XXXX balance. 
They are still harassing me for payments, I call and the auto answer saids XXXX balance. Sent a letter and copys of payoff letter and check cleared. They call me like 12 times a day at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the recent escrow account analysis I received from CMG Financial on XX/XX/XXXX, which indicates a significant shortage of {$19000.00} in my escrow account. To correct the shortage, CMG is requesting that I pay the shortage in full or accept a 76 % increase in my mortgage payments starting in XX/XX/XXXX ( from {$1900.00} to {$4500.00} ). However, after speaking with a CMG manager named XXXX XXXX, I was informed that this recent analysis fails to account for a {$12000.00} overpayment in property taxes reported by the XXXX XXXX Treasurer 's Office on XX/XX/XXXX. 

Furthermore, in XX/XX/XXXX, I learned that CMG submitted an unauthorized tax overpayment for the undivided Property Identification Number ( PIN : XXXX ) associated with my townhome. However, as my townhome is a new construction, the XXXX XXXX Treasurer 's Office only required tax payments for the parcel of land assessed by legal description ( ABL : XXXX ). 

CMGs error in submitting the unauthorized tax overpayment has directly contributed to the inaccurate escrow shortage reflected in my account. CMG has refused to accept responsibility and correct the escrow shortage, stating they are awaiting a refund from the XXXX XXXX treasurer 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc.
State: ID

Complaint narrative:
XX/XX/XXXX I checked my credit report because I received a text on XX/XX/XXXX, XX/XX/XXXX and one on XX/XX/XXXX. I originally thought this was a scam because I didn't have credit and am on XXXX. When I called I was advised it was a collection for a medical debt from XX/XX/XXXX. I told the representative that it shouldn't be appearing on my credit report, and she said they do report it and she doesn't know about any law to prevent medical debt from being in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, Tx XXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX 2. Security Freeze Request : XXXX  I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
XXXX  This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : XXXX  A copy of my drivers license or government-issued ID. 
XXXX  A copy of a recent utility bill or bank statement confirming my current address. 
XXXX  A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-26 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:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I believe that the actions taken is constitute negligent noncompliance under 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines the civil liability for negligent failure to comply with the FCRAs regulations. 

I believe the following actions or lack thereof have led to violations of this statute : XXXX. Failure to report accurate information Your company has reported incorrect or incomplete information regarding this debt to credit reporting agencies. 
XXXX. Failure to provide proper verification or validation of the debt As required under the FCRA, I requested proof of the debt and have not received satisfactory documentation within the required timeframe. 
XXXX. Failure to investigate properly upon my dispute When I initially disputed this account, there was no reasonable investigation conducted, and as a result, the inaccurate information continues to be reported. 

Under 1681o of the FCRA, I am entitled to request that any erroneous information be investigated and corrected. Failure to comply with the regulations laid out in this section, as well as any intentional or negligent misrepresentation of information, could lead to civil liability for damages. 

Therefore, I request the following actions : XXXX. Immediate investigation of the debt associated with this account. 
XXXX. Verification of the debt, including a complete breakdown of the charges and the original creditors documentation. 
XXXX. Removal of any incorrect or unverified information from all credit reporting agencies if the debt can not be verified as valid. 

I also request that all communication related to this matter be done in writing and sent to the address listed above. 

Failure to provide proper validation and to comply with 1681o could lead me to seek legal action for damages resulting from negligent noncompliance. I expect a response within XXXX  days as required by the FCRA. If this matter is not resolved satisfactorily, I will consider further legal remedies to protect my rights. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-02-26 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: NC

Complaint narrative:
Credit accounts, addresses, and inquiries appear on my report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WA

Complaint narrative:
You guys have that my license is suspended as of XX/XX/year> and this was stated XX/XX/year> so my license was suspended in the future? This has got me temporarily deactivated from XXXX and I rely on this income. I dont understand how you can 1 get the wrong date, a date in the future. and 2 say my license is suspended when it is active and not suspended. This has financial hindered me and I have wasted countless hours with the XXXX to work this out and they are just as confused as me. I will not be able to XXXX for at least a month for this and request compensation and my account to be corrected with the correct information immediately. This is ridiculously stupid I dont know how it can be this inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-26 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: BTH Management
State: TN

Complaint narrative:
I believe that the actions taken is constitute negligent noncompliance under 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines the civil liability for negligent failure to comply with the FCRAs regulations.

I believe the following actions or lack thereof have led to violations of this statute : 1. Failure to report accurate information Your company has reported incorrect or incomplete information regarding this debt to credit reporting agencies.

2. Failure to provide proper verification or validation of the debt As required under the FCRA, I requested proof of the debt and have not received satisfactory documentation within the required timeframe.

3. Failure to investigate properly upon my dispute When I initially disputed this account, there was no reasonable investigation conducted, and as a result, the inaccurate information continues to be reported.

Under 1681o of the FCRA, I am entitled to request that any erroneous information be investigated and corrected. Failure to comply with the regulations laid out in this section, as well as any intentional or negligent misrepresentation of information, could lead to civil liability for damages.

Therefore, I request the following actions : 1. Immediate investigation of the debt associated with this account.

2. Verification of the debt, including a complete breakdown of the charges and the original creditors documentation.

3. Removal of any incorrect or unverified information from all credit reporting agencies if the debt can not be verified as valid. 

I also request that all communication related to this matter be done in writing and sent to the address listed above.

Failure to provide proper validation and to comply with 1681o could lead me to seek legal action for damages resulting from negligent noncompliance. I expect a response within 30 days as required by the FCRA. If this matter is not resolved satisfactorily, I will consider further legal remedies to protect my rights. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief