vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX XXXX Unfair Lending Practices and Contractual Violations acct # XXXX for XXXX XXXX To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their unjust modification of the original contract terms on my auto financing agreement and their continued mismanagement of my account over the past several years. 

Since the inception of my contract with XXXX XXXX XXXX I have noticed unauthorized changes to the agreed-upon terms and conditions. Specifically, the monthly payment amount has increased inconsistently without transparent explanation. Additionally, the maintenance warrantyoriginally agreed to as a separate and optional coveragehas been improperly bundled into the principal loan amount. For over five years, I have been charged interest on this maintenance warranty, which I did not agree to finance under the original terms. 

Furthermore, I have experienced significant financial hardship due to serious health concerns. I was placed on FMLA, followed by a period of short-term and then long-term disability. During this time, I proactively contacted XXXX XXXX to request assistance and explore financial hardship options. Unfortunately, I was met with little to no support, and my concerns were not addressed with any viable solutions. Instead, my account was transferred to multiple third-party debt collection agenciesnone of which I signed contracts withfurther complicating and exacerbating my situation. 

I have made repeated efforts to recover from this financial hardship between 2022 and the present, including trying to reinstate and catch up on missed payments. However, the outstanding balance remains inaccurate and does not reflect a proper breakdown of charges, adjustments, or assistance that should have been applied under hardship protocols. 

I respectfully request that your office investigate this matter. I am seeking a full review and rectification of my account, including correction of the inflated balance, refund or removal of interest applied to the maintenance warranty, and accountability for the miscommunication and unauthorized contract modifications. 

Please let me know if you require any supporting documentation or further details to move forward with my case. 

XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX ( XXXX ), XXXX XXXX XXXX account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-28 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: KY

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 2025-05-28 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: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single father, every financial decision I make directly affects my child ( XXXX  ) s security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( s ) on my credit reports are : 1. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are negative affecting my ability to obtain credit. It is my understanding that you will investigate these accounts listed below and ensure accuracy. Attached is a copy of my ID and Proof of address Accounts listed below : 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 non-monetary relief
Consumer complaint received 2025-05-28 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These assertions have caused measurable damage to me and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2025, I paid a {$500.00} security deposit to XXXX XXXX  after being told by their leasing agent that it was fully refundable if I chose not to move forward. I only signed a rental application, never a lease or contract, and never moved in. After deciding not to proceed, I informed the leasing office, and they confirmed by email on XX/XX/XXXX that a refund check was sent ( it was allegedly sent out on XX/XX/XXXX ). However, I never received the refund despite multiple follow-ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I disputed the charge with Citi ( after a month of XXXX XXXX lying to me ), but eventually they closed the dispute against me without providing the merchants response or documentation, even though I asked Citi XXXX times for that information. I did not receive the goods or services I paid for and am requesting a full refund. 

Merchant Name : XXXX XXXX XXXXXXXX Merchant Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Merchant Website : XXXXXXXX XXXX XXXX Merchant Phone Number : ( 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 monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-05-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XX/XX/XXXX, a foreclosure action was filed against my late husbands estate in the XXXX XXXX for XXXX XXXX XXXXXXXX XXXX ( Case No. XXXX ). The action was initiated by XXXX XXXX XXXX on behalf of PHH Mortgage Services. However, the foreclosure was based on materially defective documents. 

The Deed of Trust and Promissory Note submitted in the foreclosure : Do not list my husband, XXXX XXXX, as borrower or grantor. 

Do not pertain to the foreclosed property ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

Refer to a different property located in XXXX XXXX, not XXXX XXXX XXXX. 

Despite these fatal defects, XXXX XXXX XXXX filed a sworn affidavit under Maryland Rule 14-207 ( b ) ( 1 ) - ( 3 ) falsely claiming the documents were true and accurate for the subject property. 

I reached out to both XXXX XXXX XXXX and PHH Mortgage Services disputing the debt and requesting supporting documents. As of now, no proper validation or correction has been provided. 

On XX/XX/XXXX, a foreclosure sale was conducted based on these invalid documents. The sale was not legally supported by a valid lien or enforceable note. The wrongful foreclosure has caused significant distress and threatens the legal and financial stability of the estate I am administering. 

I request that the CFPB investigate these serious violations and help prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Request for Deletion of Charged-Off Account Based on Issuance of IRS Form 1099-CDear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.If you require any further documentation or clarification, please let me know.Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
My issue was with Cash App. 
I had to count with Cash App and they closed up my Cash App because they're sitting there saying that I broke policies. I don't feel that I broke policies because I have a brand new phone a new XXXX XXXX phone and I was filing protocol in regards to my XXXX  phone. They are refusing to allow me to open. Get back app into my account. And I don't really feel that that's fair. No, in the fact I didn't do anything wrong and I feel I'm being punished for something that I didn't do I didn't break any policies and I was going by in regards to protocol for my new cell phone I. I was not able to put the email that I had at the time into the account because the phone was not recognizing it.So therefore they went and closed out.My account for unjust cause reason. And I want my account to be reopened and I want an apology

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX XX/XX/XXXX Office of the Attorney General XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Equifaxs LLC Willful Violation of the Fair Credit Reporting Act ( FCRA ) and Negligence in Reporting Fraudulent Accounts Resulting from the Equifax Data Breach Dear Attorney, General, I am writing to formally file a complaint against Equifax LLC , for ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), as well as negligence in its duty to ensure the maximum possible accuracy of consumer information. 
Despite multiple written disputes and verifiable documentation provided, Equifax has repeatedly reported fraudulent accounts on my consumer credit report. I have never opened nor authorized these accounts. These unauthorized accounts appear to be directly related to the Equifax data breach of XXXX, in which millions of consumers ' personal information, including mine, was compromised. 
Equifax has failed to properly investigate my disputes as required under 15 U.S.C. 1681i, and continues to violate 15 U.S.C. 1681b, by sharing my credit report with entities without a permissible purpose. These unlawful actions have caused me considerable financial, emotional, and reputational harm. 
As a resident of XXXXXXXX XXXX I respectfully request your office to : 1. Investigate Equifax for willful non-compliance with the FCRA.

2. Take enforcement action to compel Equifax to permanently remove all fraudulent accounts from my credit file.

3. Impose any applicable penalties for their negligent and reckless reporting practices. 
I am a victim of severe identity theft, and I seek your assistance to hold this company accountable for its disregard of consumer protection laws and my rights under federal and Nevada statues. 
Thank you for your time and attention to this matter. I trust your office will act swiftly to protect not only my rights but the rights of countless other Nevada families facing similar injustices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The accounts listed below, which appears on my Equifax credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. The accounts listed are the remaining fraudulent accounts on my Equifax report. XXXX. XXXX Case Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * XXXX. XXXX XXXX Account XXXX : XXXX * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( XXXX ) and Dennis v. BEH-1, LLC ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having problems with Transunion services they dont give me my free credit report or score every 7 days as stated. This has been going on for almost a year. They will tell me that it would have to get sent to maintenance then the problem should be fixed in 5 business days but still cant access my credit report online on their site, on XXXX XXXX XXXX, XXXX XXXX  or no other site that uses Transuion There are fraudulent inquires that was made on my credit report that Ive tried to dispute but they wont let me dispute. They wont do anything but they let thieves keep pulling my credit file.

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 2025-05-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 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: DISCOVER BANK
State: MI

Complaint narrative:
Someone fraudulently opened a discover account in my name I have already made a police report

Company response to consumer: Closed with explanation