vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
report a discrepancy regarding my Mercedes-Benz Financial Services account XXXX There is a late payment of {$1700.00} reported on my credit for XXXX, but I have been consistently making all payments on time. I do not have any late payments, and my account is up to date. I am requesting that this incorrect late payment be removed from my credit report as it does not reflect my actual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/XXXX, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for helping me with this..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Fraudulent Accounts Charge-Offs : XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Late Payments : XXXX Late Payment : XX/XX/XXXX XXXXXXXX XXXX  Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Late Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection Account Hard Inquiries : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. In addition, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent. 

I have disputed these fraudulent accounts with Equifax, XXXX, and XXXX, and have provided them with all required documentation to support my claim. However, these errors remain on my credit report. 

Request for CFPB Assistance I am requesting that the CFPB investigate this matter, as it appears that my personal information has been used fraudulently. I seek your assistance in removing the fraudulent accounts from my credit report and ensuring that my personal data is protected. 

Please find my contact details above, and let me know if additional documentation or evidence is needed for your investigation. 

Thank you for your prompt attention to this issue. I look forward to your guidance on how to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
IM NOT 100 % SURE, BUT I BELIEVE A FAMILY MEMBER GOT A VEHICLE IN MY NAME AND OPEN UP A BANK ACCOUNT, IM NOT SURE OF THE SPECIFICS. I JUST KNOW I START RECIEVING CALLS AND THEY DIDNT STOP. BUT I UNTIL THIS DAY, I NEVER SEEN THE VEHICLE, DROVE THE VEHICLE, SIGN FOR THE VEHICLE OR ANYTHING. IM XXXX  SO I DONT UNDERSTAND A LOT ABOUT CREDIT, BUT I BEEN LEARNING THRU XXXX. I WOULD LIKE FOR THESE FRAUDULENT ACCOUNTS TO BE REMOVE.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The collection account balance is incorrect for the following XXXX XXXX acct # XXXX in the amount of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

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, XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of furnishers of information to consumer reporting agencies. It includes provisions that require furnishers to : Not furnish information they know or consciously avoid knowing is inaccurate. 
Not furnish information if they have been notified by the consumer that specific information is inaccurate, unless they specify an address for such notices. 
Investigate disputes regarding the completeness or accuracy of information within a specified time frame. 
Report the results of investigations to consumer reporting agencies. 
Correct inaccurate information and report those corrections to all consumer reporting agencies that compile and maintain files on consumers on a nationwide basis. 
The section also limits liability for certain failures to comply with its provisions and specifies that enforcement is carried out exclusively by federal agencies and state officials identified in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: DE

Complaint narrative:
As defined by 15 U.S. Code 1681 ( e ) ( b ) ( part of the Fair Credit Reporting Act ), for a company to access an individual 's consumer credit report, essentially stating that they have a " permissible purpose '' to obtain this information. A letter of accuracy under 15 U.S.C. 1681b is a written dispute sent to a credit reporting agency to contest the maximum possible accuracy of information on a consumer 's credit report. The letter should include the consumer 's name, address, and a clear description of the disputed items. It should also explain why the items are incorrect and request that they be removed or corrected.

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 2025-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I spoke with a closing agent and he avoided helping me by providing a phone number to what he claimed was a billing department within Freedom Mortgage, but it was an outside phone number to a XXXX XXXX XXXX I immediately called back and requested a manager. I was told their calls are recorded, a manager would investigate, and get back to me. No one contacted me regarding the unprofessional closing agent. I called back a week or so later, was told someone would contact me, but no managers will actually contact you back.

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 2025-01-25 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: MD

Complaint narrative:
Account opened without my permission and inquiries made without my consent

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 2025-01-25 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: NJ

Complaint narrative:
I HAVE REQUESTED EQUIFAX TO remove all inaccurate accounts and they continue to ignore all request. in fact EQUIFAX is by the worst credit bureau. They do not validate anything, I have asked equifax to mail information/contracts for all accounts and they have not provided anything. In my last complaint I filed with the CFPB complaining about a police and fire account that they are showing a XXXX balance which is false. this account is closed with a XXXX balance. This is one of the reasons I am filing a complaint again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute an inaccuracy on my credit report, which I recently obtained and reviewed. Below are the details of the disputed item : Creditor Name : XXXX  Account Number : XXXX Upon reviewing this account information, I noticed a factual inaccuracy that requires correction. The credit report states that the account was charged off with a balance of {$670.00}, but it also mentions that the balance is {$0.00} and that the account was purchased by another lender. This discrepancyindicating both a charge-off and a {$0.00} balanceis conflicting and potentially misleading. Furthermore, the status update date of XX/XX/XXXX does not align with the payment history, which shows additional updates into XXXX. 

To resolve this matter, I request the following actions : A complete investigation of the accounts status and payment history. 

Clarification and correction of whether the account was fully resolved, transferred, or remains in a charge-off status. 

An update to my credit report reflecting accurate and consistent information. 

I have attached a copy of my credit report highlighting the disputed item for your reference. Please include any supporting documentation provided by XXXX or the subsequent lender to substantiate the accuracy of the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. If the disputed information is found to be inaccurate or unverifiable, I expect it to be promptly corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your investigations progress. 

Sincerely,

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 2025-01-25 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I came across the CFPB XXXX LAWSUIT I Believe that I was negatively impacted, Hurting my chances after receiving a response to my earlier dispute that this account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born XXXX, my social is XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am filing this complaint to address the inaccurate and harmful information being reported by the credit bureaus listed below. Despite my efforts to resolve these discrepancies directly with the bureaus, I have been unable to achieve a satisfactory resolution. 

Issues Reported 1. Account Discrepancy Creditor : XXXX XXXX Account Number : XXXX I do not recognize this account, and I believe it does not belong to me. This account is causing significant harm to my credit profile. I request its immediate removal. 
2. Unauthorized Hard Inquiries Multiple unauthorized inquiries have been reported on my credit file, which were not initiated or approved by me. These include : Dates of Unauthorized Inquiries : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( multiple entries ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquiries were not authorized, and their inclusion on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Consumer Rights Violated Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to : The assurance that my credit report contains only accurate, verifiable, and complete information. 
A thorough investigation of any disputed information, with results provided within 30 days. 
The removal of unverifiable or unauthorized information from my credit report. 

The inaccurate account and unauthorized inquiries have caused harm to my creditworthiness, violating my rights as a consumer.

Requested Resolution 1. Immediate removal of the XXXX XXXX account ( XXXX ) from my credit file. 
2. Immediate removal of the unauthorized inquiries listed above.

3. A corrected credit report sent to all creditors who accessed my file within the last 6 months ( or 2 years for employment purposes ).

4. Disclosure of the name, location, and contact information of the parties responsible for furnishing the disputed information. 

Failure to address these inaccuracies will leave me no choice but to pursue legal action for non-compliance under the FCRA. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the credit bureaus take the necessary steps to resolve these issues promptly. 

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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
One that I am not aware of what it turns is. I think it is medical. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. The account is from I C System dated XXXX XXXX, 2024 for the amount of {$120.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX XXXXXXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX  XXXX XXXX to a debt collection agency by the name of XXXX XXXX XXXX. Despite this transfer, XXXX  XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX  XXXX XXXX is incorrect because the debt was sold to another entity.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX  XXXX XXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX  XXXX XXXX to a debt collection agency by the name of XXXX XXXX XXXX. Despite this transfer, XXXX  XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX  XXXX XXXX is incorrect because the debt was sold to another entity.

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