vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: HireRight Solutions, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I received an email from XXXX stating that HireRight submitted a report on my background check which contained incorrect information. During this time my court case was underway. On XX/XX/year> I submitted a report to HireRight letting them know that the court dropped the charges and to correct their report to the employer ( XXXX ). They marked receipt of this request via email ( Attached ). On XX/XX/year> HireRight left me a voicemail ( attached ) stating that they called the court and the court didnt tell them that the case was dropped ( because they are not authorized to obtain court information ). On XX/XX/year> I called back HireRight and left a voicemail stating that I received a concerning voicemail from them. On XX/XX/year> I received a call back from the HireRight representative XXXX and when I spoke to her she informed me that their company uses public information to see any pending cases and report those cases to the employer ( XXXX ) who orders background checks from HireRight. I then informed XXXX again that the report on my file to the employer was incorrect and that I sent the voicemail she had left earlier to my lawyer concerned that something was wrong. XXXX continued to tell me that depending on if she chose the right wordplay when talking to the court that she might be able to get some kind of answer out of them in regards to my case and asked me to tell her more exact terminology and details about the case to try to coerce the court with. At this time I caught on that what this company is doing should be deemed as completely fraudulent given the fact that the court does not want this company to have information regarding these cases and that HireRight uses means of trickery in order to get bits and pieces of information from the court about cases and uses that spotty information to act as an authority and make definitive reports to employers about an employees eligibility to work or provide themselves means to live. I informed XXXX at that time that what she was doing was wrong and that the court had dropped the charges in XXXX and that I would be filing a report on XXXX ability to provide false information. On XX/XX/year> I called the CFPB and whom walked me through submitting this report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Date : * * XX/XX/year> * * Subject : * * Follow-Up to Complaint ID XXXX Urgent Action Required for Wrongful Repossession * * To the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX am writing to follow up on my previous complaint ( ID : XXXX ) submitted on XX/XX/year>, regarding a wrongful repossession of my vehicle by XXXX XXXX Services ( MBFS ) XXXX The issue remains unresolved, and I urgently need my vehicle returned before a scheduled sale on XX/XX/year>. MBFSs response to my initial complaintstating only that the matter was handled by an agentis insufficient and fails to address the wrongful repossession, the damages to my vehicle, and my documented payment. 

On XX/XX/year>, I made a payment of {$990.00} to MBFS over the phone, providing accurate banking information. I received written confirmation ( email and PDF ) verifying the payment was successful. Despite this, MBFS repossessed my vehicle, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) 1692f, as they had no legal right to repossess after a confirmed payment. Additionally, MBFS has failed to address damages to the vehicle sustained during or after the repossession, further compounding their liability under the Uniform Commercial Code ( UCC ) 9-625 for failing to preserve collateral. 

MBFSs lack of meaningful response and failure to investigate the wrongful repossession constitutes a violation of consumer protection laws. I request the CFPB to : 1. Demand MBFS immediately return my vehicle by XX/XX/year>, to avoid disruption to my scheduled sale on XX/XX/year>. 
XXXX. Require MBFS to compensate for damages to the vehicle caused during the repossession process. 
XXXX. Investigate MBFSs practices to ensure compliance with FDCPA and XXXX regulations. 

This matter is time-sensitive, and I am facing significant financial and logistical hardship due to MBFSs actions. I appreciate the CFPBs prompt intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WY

Complaint narrative:
I asked for validation of debt from Toyota mtr and they have not provided this to XXXX agreed to remove this account from my credit reports and the deleted from XXXX  but not from XXXX XXXX XXXX please delete this account from all XXXX credit reports immediately because it is seriously hurting my credit. Toyota mtr account number # XXXX balance of {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXXXXXX XXXX XXXX  XXXX, XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX 
XXXX, California XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I signed a contract at XXXX XXXX XXXX XXXX in XXXX, FL to purchase a used XXXX XXXX XXXX. After a putting a {$3000.00} down payment, the balance due was {$9800.00}. A direct deposit of {$290.00} monthly payment to XXXX XXXX was set with my bank. 

On XX/XX/XXXX, a total of had made {$10000.00} so i contacted the company to inquire about the discrepancies and was informed that i still owed over {$4000.00} due to a 25 % interest rate. I informed the representative that i had never agreed nor signed for a loan at a 25 % rate, She stated he was was on bold letter on the first page of the contract. I reviewed the documentation i received when i purchased the vehicle but could not find any copy of the document referred to. 

I asked for a copy of the contract since i am certain of the fact that i did not sign such a document. The next i received a pdf file with my name digitally spelled on a loan contract. As i suspected i did not sign any such document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file. These accounts were not authorized by me, and I am a victim of identity theft. Despite prior disputes, these accounts have been inaccurately verified and continue to appear on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant provisions of the U.S. Code ( e.g., 15 U.S.C. 1681-1681x ). 
Details of the Fraudulent Accounts : Creditor Name ( s ) : [ XXXX XXXX XXXX ] Account XXXX ) Opened : [ XX/XX/XXXX ] XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX These accounts are not mine, and I did not authorize these transactions in any form. I have filed a police report and an identity theft affidavit, and I have enclosed copies of both documents along with a copy of my government-issued ID and proof of address. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), 1 am formally requesting that these fraudulent items be blocked from my credit file immediately. The continued reporting of these fraudulent accounts is causing undue harm and distress, and you are obligated by law to ensure the accuracy and integrity of the information you furnish to creditors and third parties.

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 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Unknown debt for a rental I did not live in or have any knowledge about. Someone has used my credit to rent an apartment and now that person has defaulted on debt and it now reflects on my credit report. I'm trying to use my credit now for home improvements and unfortunately due this unknown collection debt on my report I'm stuck and need a swift solution to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Fraudulent Unauthorized inquiries are on my TransUnion credit file. 

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 2025-06-03 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:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$910.00} Inquiries XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$910.00} Inquiries XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : 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 2025-06-03 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: VA

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brightwater Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX\nCertified Mail: XXXX XXXX XXXX XXXX XXXX XXXXnDate: XXXX\nTo: \nBrightwater Captial, LLC\nXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\nRE: Notice of Intent to Initiate Legal Action  Failure to Validate Alleged Debt (Account #[Insert Account Number])\nTo Whom It May Concern,\nThis letter serves as your final notice before legal action is initiated against your agency for your continued violations of federal law and your failure to adequately respond to my lawful request for debt validation.\nOn XXXX XXXX XXXX, I submitted a certified demand for validation of the alleged debt listed under Account XXXX, pursuant to 15 U.S.C.  1692g(b) of the Fair Debt Collection Practices Act (FDCPA) and 15 U.S.C.  1681s-2(b) of the Fair Credit Reporting Act (FCRA).\nTo date, you have failed to comply with your statutory obligations. You have neither provided the documentation required to substantiate the debt nor marked the account as "disputed" on my credit report.\nThis constitutes:\n- A willful violation of 15 U.S.C.  1692e  using false or misleading representations.\n- A violation of 15 U.S.C.  1692f  engaging in unfair collection practices.\n- A violation of 15 U.S.C.  1681i and  1681s-2(b)  failing to investigate disputed information.\n- A violation of 15 U.S.C.  1681s-2(a)(3)  failure to report the debt as disputed.\nIf I do not receive full validation of the alleged debt within 7 business days from the date of this letter, I will proceed with the following actions without further notice:\n- File a lawsuit in state or federal court for statutory damages up to XXXX per violation under FDCPA and XXXX per violation under FCRA.\n- Seek compensation for emotional distress, legal fees, and court costs.\n- Submit complaints to the CFPB, FTC, and State Attorney General.\nYou have demonstrated a clear disregard for federal consumer protection laws. This ends now.\nGovern yourselves accordingly.\nSincerely, \nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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