vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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 need your immediate help please because I am a victim of XXXX XXXX  and identity fraud and someone is using my name and identity fraudulently for accounts. I have reported those and I ask for you to please help me remove and block them.

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 2025-04-09 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: FL

Complaint narrative:
Please delete these accounts as soon as possible, as they do not belong to me and affect my credit score. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I purchased a car in XXXX  through credit acceptance and had it for 30 days. It was totaled and the other driver was at fault. Credit acceptance still has the account open and updating late payments instead of charging the balance off.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-09 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: IL

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

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 2025-04-09 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX **Amount : {$470.00} {$720.00} {$1000.00} **Date of Account : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-04-10 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:
Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report shouldn't include info solely about transactions/experiences between us. Late payments negatively impact my report and are part of that.

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 2025-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Allowing other people not named on the account to make changes to the account when I am a living named person on the account. This person never had any rights to make changes to the account when my father was alive nor at his death and is why I have not been receiving any information concerning this account in the mail so that I can make payments. The property is in trouble due to their interference with the mail. They have no rights to act on my fathers behalf on this 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 2025-04-09 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 am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AL

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - XX/XX/XXXX /

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am writing to formally dispute several inquiries that l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiries in question : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2025-04-09 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: NJ

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX [ XXXX, NJ,XXXX ] [ XX/XX/year> ] [ Experian Information Solutions , Inc. ] XXXX XXXX XXXX XXXX XXXX TX XXXX RE : URGENT FRAUD ALERT Dispute of Fraudulent Account ( s ) Account Name/Number : [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX Whom It May Concern, This letter is to formally dispute the fraudulent account ( s ) listed above that are appearing on my credit report without my knowledge or authorization. I did **not** apply for, open, or authorize the opening of this account. This is a clear case of identity theft and I am requesting the immediate removal of the account from my credit file.

**Under the Fair Credit Reporting Act**, you are obligated to ensure the accuracy and legitimacy of all information you report. Specifically : - **15 U.S.C. 1681e ( b ) ** requires you to maintain reasonable procedures to assure maximum possible accuracy. The presence of a fraudulent account violates this requirement.

- **15 U.S.C. 1681i ( a ) ( 7 ) ** gives me the right to request the method of verification for any information marked as " verified. '' I demand a full description of how you verified the legitimacy of this account, including the name, address, and phone number of the entity that verified it.

- **15 U.S.C. 1681i ( a ) ( 5 ) ** requires that you delete any information that can not be verified or is found to be inaccurate or fraudulent. 

As further support for this dispute, I point to the XX/XX/year> CFPB lawsuit ( Case No. XXXX ), which highlights Experian 's failure to : - Conduct proper reinvestigations - Prevent reinsertion of inaccurate data - Accurately inform consumers of dispute outcomes- Handle fraud and identity theft claims properly Given this, I demand the immediate **permanent deletion** of this fraudulent account and all associated information. Please also place a **fraud alert** on my file and send me an updated copy of my credit report reflecting the deletion. 

If you fail to take action within the legally mandated time frame, I will escalate this matter by filing complaints with the CFPB, FTC, and other legal authorities. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes-Benz repossessed my vehicle on XX/XX/scrub>, 2025 due to missed payments. I suffered financial hardship, in addition to supporting my grandpa while he is dealing with XXXX. The following day, XX/XX/scrub> 2025, I contacted Mercedes-Benz Financial to understand the situation and to find out the total amount needed to recover my vehicle. During that call, I was told I needed to wire {$5600.00}, which, according to the representative, included all fees necessary to reinstate my loan and retrieve my car.

After working to gather the required funds, I reached back out on XX/XX/year>2025, prepared to make the payment. At that point, I was informed of an additional {$170.00} charge that hadnt been previously disclosed. I was told this was due to a mistake in their original estimatethey had not accounted for the fact that a flatbed tow truck was used during the repossession. This was incredibly frustrating, as I had relied on their initial quote to be accurate and complete. Nevertheless, because I need my vehicle for work and daily responsibilities, I agreed to pay the extra amount. I wired {$5800.00} to Mercedes-Benz Financial that same day, believing this would fully resolve the matter. 

On XX/XX/year>2025, I was informed that my vehicle had been released and was available for pickup at XXXX XXXX. I was told to contact them to schedule an appointment, and was also made aware that vehicle pickups are restricted to Monday through Friday, between XXXX XXXX XXXXnd XXXX XXXX I was also warned that failure to pick up the vehicle within that window/time-frame could result in additional fees. 

When I called XXXX XXXX that same day, I was told I would need to bring a {$210.00} cashiers check. However, they were initially unable to explain the reason for this fee.Per the e-mail I received, If I do not pick up the vehicle within 10 days of release, which was today, I would be assessed later fees. After some back and forth, they stated that the additional funds were requested by Mercedes-Benz Financial . I immediately followed up with Mercedes-Benz Financial XXXX who informed me they would have to call XXXX XXXX to determine what the fee was for. 

At this point, I am extremely frustrated and disappointed with how this situation has been handled. I was never provided a full, accurate breakdown of all costs up front. Instead, Ive been met with ongoing surprise fees and unclear communication throughout the process. As a consumer, I expected transparency, professionalism, and fair treatmentnone of which I feel Ive received during this experience. These practices are not only unacceptable, but also incredibly disruptive to customers who are already trying to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights.

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN 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 has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XXXX/XXXX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-09 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights.

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN 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 has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XXXX/XXXX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
Experian has faild 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 faulures align with my experience, where Experian has neither corrected nor removed disputeditems 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. 
Account : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>, {$540.00}

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 2025-04-09 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: GA

Complaint narrative:
I am submitting this complaint against Equifax for failing to correct or delete inaccurate and non-compliant reporting of a collection account from XXXX XXXX XXXX. 

Despite my previous certified disputes and attached documentation, Equifax continues to report this account with : XXXX XXXX  ( XXXX XXXX XXXX into XXXX A {$2700.00} past due balance with no payment activity or validation No itemized breakdown or debt verification provided by the collector This violates FCRA 1681e ( b ) ( requiring maximum possible accuracy ) and Metro 2 formatting guidelines, which prohibit monthly updates that imply active collection activity when none exists. The account was opened in XX/XX/XXXX and has never been paid, yet is being updated monthly to make it appear actively delinquent, when in fact it is static and unverifiable. 

I previously requested correction or deletion based on these compliance failures, and Equifax responded with a generic notice saying the item was " previously disputed '' this ignores the new, timestamped evidence I submitted. No reinvestigation was properly conducted, and no documentation has been provided from XXXX. 

This is causing continued damage to my credit profile and must be escalated.

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