vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
On XX/XX/XXXX, I emailed CEO XXXX XXXX regarding a recent repossession following a denied forbearance request, which led to contact from the Executive Customer Relations team. 

Despite multiple promises of follow-up from the Executive Team XXXX XXXX XX/XX/XXXX, and XXXX ), promises of calls from 'XXXX  ' and XXXX ' never materialized. I was repeatedly forced to contact the company for clarity, only to be met with silence. This pattern of inconsistent, unreliable communication is an unfair act or practice ( UDAAP ), as defined under section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, because it caused substantial injury ( confusion, extreme distress, possible conversion, illegal repossession, and the wasting of my time ) that I could not reasonably avoid and the company 's tactics are not outweighed by any countervailing benefits. 

On XX/XX/XXXX, Executive Team member XXXX contacted me at XXXX XXXX to tell me there was a 'no action ' hold on my vehicle ( VIN : XXXX ) pending their internal investigation into the legality of the repossession. This is a clear example of a deceptive practice ( UDAAP ), as defined under section 1036 of the Dodd-Frank Act, as it was a material misrepresentation likely to mislead me regarding the status of my vehicle. Just XXXX days later, on XX/XX/XXXX, I received an email from XXXX of the redemptions department scheduling a sale for XX/XX/XXXX, directly contradicting the executive 's assurance and serving as another example of a deceptive practice. 

This pattern of conflicting information and failed follow-up occurred while MBFS was aware of another complaint with the CFPB ( Complaint ID : XXXX ) related to the illegal repossession. XXXX other regulatory agencies are also investigating the legality of the repossession : XXXX XXXX Office of the Inspector General and Bureau Affairs Consumer Protection, as well as the Illinois Attorney General. Yet, the company has seemingly thumbed their nose at me and every attempt at resolving my customer complaint.

MBFS 's communication and behavior undermine the CFPB 's complaint process by engaging in unfair, abusive, and deceptive business practices ( UDAAP ) in violation of sections 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The tactics employed make it extremely difficult to manage customer concerns, effectively creating an impenetrable brick wall for customers and demonstrating a blatant disregard for consumer rights. 

The documented pattern of conflicting information, failed follow-ups, and obstructive communication suggests a systemic problem at MBFS that could be harming other consumers and warrants a broader investigation by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was notified by e-mail on XX/XX/XXXX from various credit bureaus and credit monitoring agencies that my XXXX XXXX  credit card account was " charged off ''. My credit score immediately plummeted XXXX points. I thought this had to be an error since the account was current, not a payment missed. I just made my last payment on XX/XX/XXXX over the phone with the company directly and there was no mention the account was in any jeopardy. I immediately called them, twice on XX/XX/XXXX with multiple conversations and transfers, but they refused to give me any information as to why it went to this status and they said they had no information on the reason as well as any information on payments I made in the past. I also checked my account online and all information on this account was erased so all I could provide them were dates that I saw on my XXXX XXXX statement that payments posted to XXXX on various dates going back to XX/XX/XXXX. Supervisors and managers who I escalated my concerns also refused any information and said to reference the letter from the third-party collection company, which I have yet to receive.

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 2025-10-25 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -Balance $ XXXX Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX  # XXXX -Balance {$940.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX i deposited a check for XXXX dollars into my citibank account and aftee numerous calls and in person visits its now XX/XX/XXXX and i still have not recieved anything in writing as to why my account was closed or why my funds arent available to me and tbey have no estimate as to when i will receive them. I went in person on XX/XX/XXXX and spoke with XXXX XXXX at citibanks branch located in riverside ca on central ave. And requested an immediate closure of my account and release of my funds. I was refused and given no answers .i have gotten nothing but the run around with this bank

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX # XXXX * * Date Opened XX/XX/XXXX - Balance {$25000.00} UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX [ Debt Collection Department Address if available, insert here ] Re : Formal Debt Dispute and Validation Request Account Reported : XXXX XXXX XXXX Balance {$640.00} Opened : XX/XX/XXXX | Reported : XX/XX/XXXX To Whom It May Concern : This letter serves as a formal dispute of the alleged debt you have reported in my name. Pursuant to 15 U.S.C. 1666 ( b ) and 12 C.F.R. 1006.34 ( c ), I am requesting full validation and verification of the alleged obligation before any further collection activity continues.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY

Complaint narrative:
On or about the XXXX of XX/XX/year>, I recieved 24 emails from Wells Fargo Bank saying they process, opened and mailed out XXXX  bank cards to XXXX  different checking accounts without my knowledge or 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 non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
The background check keeps pulling only my expired XXXX  drivers license which is making it look like I do not have a valid license. I have a valid XXXX  driver 's license and have since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$12.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$15.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$6.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance {$99.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$4800.00}

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 2025-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$5100.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA responded to complaint XXXX that was created on XX/XX/year>. 

The complaint referred to the USAA XXXX XXXX XXXX. The response from the company begins discussing the USAA XXXX XXXX account, acknowledges poor customer service issues, acknowledges reversing a {$260.00} payment and crediting the account for {$35.00}. However, USAA does not provide a copy of the requested consumer agreement for the USAA XXXX XXXX card that allows the financial institution to reserve the right to wait XXXX  days to apply a payment to my XXXX XXXX card after it's collected from an external account. 

USAA also fails to acknowledge there were XXXX unauthorized transactions on the XXXX XXXX that were disputed with the first customer service representative that provided subpar service. 

In the last portion of the USAA response they reference unauthorized access to a " XXXX '' account. The concern was unauthorized access to my XXXX XXXX account and I do not own a USAA Visa Credit Card. The main concern here is that there have been at least XXXX new cards issued for this account over the last XXXX years. The unauthorized charges occur to this account in very similar ways. The unauthorized charges ALWAYS occur right before i'm preparing to travel or just before arriving at a hotel for check in. 

I did not ask about the VISA debit card for my checking account and I do not own a USAA Visa credit card account unless one has been created without my knowledge or authorization. It appears USAA is dodging the concern regarding the probability of employee internal fraud. 

USAA needs to discuss the unauthorized access to my XXXX XXXX card account. I am concerned regarding the security of my XXXX XXXX card as I have never had to replace a card so frequently for unauthorized transactions. Please explain who accessed my XXXX XXXX card account and acknowledge the XXXX unauthorized transactions that were placed on the account that were credited back to my 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 explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
Credit Management Co is attempting to collect and report a medical debt that was already closed and deleted by XXXX XXXX XXXX, confirmed in CFPB Case # XXXX. Re-reporting this same debt constitutes an impermissible re-insertion and violates the Fair Credit Reporting Act 623 ( a ) ( 2 ), 611 ( a ) ( 5 ) ( B ), and the Fair Debt Collection Practices Act 807 ( 8 ). I request immediate deletion, cessation of collection activity, and proof of verifiable billing and lawful use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: EdFinancial Services
State: TX

Complaint narrative:
I was trying to purchase a house, and I realized that I had damages on my credit. My account was supposed to be under forbearance. Under 15 U.S.C. 1681 I should not have these things on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-10-25 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit bureaus and furnishers listed below for continuing to report inaccurate and unverifiable information even after several disputes and reinvestigation requests. The ongoing presence of these errors is a violation of my rights under the FCRA, particularly Sections 602, 607 ( b ), 611 ( a ), and 623 ( b ). These laws clearly require that all information reported be complete, accurate, and verifiable. Despite my multiple attempts, the listed entities have continued to report false data, causing me severe financial and emotional distress. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XXXXBalance Owed : {$5500.00} This account contains inconsistent balance details and unverifiable charge-off information. The creditor has not provided proof of ownership or valid records. Under FCRA 1681i ( a ) ( 5 ) and 1681e ( b ), unverifiable or inconsistent data must be deleted. Continued reporting is a willful violation under 1681n and must be corrected immediately. 

The continuous reporting of false information and the failure to properly verify or delete unverifiable data constitute systemic violations of federal law. I am requesting the CFPB to open an immediate investigation into these entities, compel deletion of inaccurate items, and ensure strict compliance with FCRA 607 ( b ), 611 ( a ), and 623 ( b ). I further request that these furnishers and bureaus be held accountable for their repeated and negligent actions that have caused measurable financial injury. 
I respectfully demand full removal of all inaccurate accounts and correction of my credit file to reflect only verified, factual information in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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:
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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XX/XX/year> XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-10-25 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have an Amazon Store credit card through Synchrony Bank. This has been fine. I logged into Synchrony Bank this week to pay my Amazon balance off and I see that I now have listed a XXXX Walmart credit card too. I don't shop at Walmart and I never asked for or consented for this account to be opened in my name. Now reviewing my credit reports I see that my credit score has dropped due to the credit inquiry. Synchrony asked if I remembered opening the account on XX/XX/XXXX. No, I did not and I am very careful with my credit and I certainly do not need another credit card. They did appear to close the account and said they would list the opening as fraud which would not impact my credit report - but that is too late as it has affected my credit negatively. I am reporting this in case they have done this fraudulent account padding on a larger scale.

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