vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: FL

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 account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX have violated my rights. 


I looked at my report on 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) In general, after any investigation 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 as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information it has been modified or deleted from the file of the consumer and According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation
State: OH

Complaint narrative:
I got into this website called XXXX. And it's supposed to be like uh. Tells you your credit score? And if anybody 's trying to get your inpermission, just to charge like you to kind of like budget, you a little bit or whatever I saw he wanted me to set up my a direct deposit on charm. You want me to go through him? Well, I'll get my card number and all that. So now he's got to access to that and I was going go through him because if I set my chime card up with him I could get pay Advance so I did but after 4 days with him I get text from him asking if I was looking at other websites companies that does something I didn't respond he text back said it's confirmed I still didn't respond I went log out from him and deleted his app then he started email XXXX of times texting me and calling me threatening me saying he's got my direct deposit going to him and telling about every purchase I was making with my chime account he won't stop I've changed my banking and got my deposit going there but I think he's hack my phone somehow because he watching everything I'm doing and makes comments to me how can I stop this creep his app is called XXXX but I think he has other websites doing the same thing but there all scames

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-18 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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:
FORMAL LEGAL NOTICE OF INTENT TO SUE FOR VIOLATION OF FCRA 605B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX NAME AND ADDRESS ). 
INTENT TO SUE FOR NON-COMPLIANCE WITH FCRA 605B ( 15 U.S.C. 1681C-2 ) DEAR ( BEREAU ), I AM WRITING TO FORMALLY NOTIFY YOU OF MY INTENT TO PURSUE LEGAL ACTION FOR YOUR FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) 605B, WHICH MANDATES THAT YOU BLOCK INFORMATION RESULTING FROM IDENTITY THEFT FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS UPON RECEIPT OF THE RELEVANT DOCUMENTATION. FRAUDULENT ACCOUNTS IN QUESTION : 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 COMPANY THESE ACCOUNTS, ALONG WITH UNAUTHORIZED HARD INQUIRIES, FRADULENT COLLECTIONS, ADDRESSES, AND NAMES, HAVE BEEN FLAGGED AS IDENTITY THEFT. ENCLOSED IS A FEDERAL TRADE COMMISSION IDENTITY THEFT CRIMINAL COMPLAINT, SUBSTANTIATING THE FRAUDULENT NATURE OF THESE ACCOUNTS. YOUR CONTINUED FAILURE TO BLOCK ALL DISPUTED ACCOUNTS, COLLECTIONS, INQUIRIES, ADDRESSES, AND NAMES WITHIN THE NEXT FOUR BUSINESS DAYS, IN STRICT ADHERENCE TO THE FCRA. FURTHERMORE, I SEEK A DETAILED EXPLANATION REGARDING YOUR VERIFICATION PROCESS, PARTICULARLY HOW IT FAILED TO ADDRESS AND CORRECT THESE INACCURACIES IN MY CREDIT REPORT, RESULTING IN HARMFUL RAMIFICATIONS TO MY CREDITWORTHINESS.

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 2025-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services

Complaint narrative:
I entered into a lease agreement with Mercedes-Benz XXXX XXXX XXXX XX/XX/year>. I provided a XXXX payoff quote of {$60000.00} from XXXX XXXX ( valid through XX/XX/year> ). Their salesperson, XXXX XXXX, structured the lease based on this. I would pay XXXX XXXX payment ( ~ {$1300.00} ) and {$1300.00} down to Mercedes-Benz . The result : $ XXXX lease. 

Due to XXXX charging me twice in XXXX ( which I had reversed ), their online system temporarily reflected an incorrect payoff. On XX/XX/XXXX, XXXX failed to re-verify the payoff before processing the deal, and used the outdated figure. Mercedes-Benz paid {$58000.00}, not the agreed {$59000.00}.

Several weeks later, I was told I owed {$1300.00}. XXXX XXXX refused to acknowledge the dealerships oversight, and instead attempted to shift liability to me. On XX/XX/XXXX, he demanded I look into it myself. When I calmly explained the cause of the discrepancy and asked if it could be added to the lease, he agreed temporarily. 

However, on XX/XX/XXXX, he abruptly changed his tone and threatened to send me to collections. When I tried to reason with him again, he blocked me on XXXX, cutting off all communication. 

This is a clear case of : Failure to verify financial data by the dealership Unfair shifting of liability to the customer Threatening collections on a dealership error Refusal to communicate or resolve the issue Their XXXX XXXX also refused to acknowledge the prior agreement, and insisted I pay. I was treated with hostility, despite being a repeat customer with clean history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
DIVERSIFIED ADJUSTMENT is trying to collect debt of {$4600.00} from XXXX that I never open. It's basically impossible I never use XXXX XXXX  or any XXXX  XXXX  under my name ever in my life and it said the account open on XXXX can't believe this is happening again I dispute a lot of fraudulent accounts this year from XXXX  XXXX frozen my XXXX  account other inquiries and still these same people that this using my information racking lot of debt under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, 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 XXXX  and Equifax 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 XXXX  and Equifax 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 non-monetary relief
Consumer complaint received 2025-05-18 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: WA

Complaint narrative:
Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XXXX, I verbally informed Exeter Finance that they were not to contact me at my workplace regarding any debt or payment issues. Despite this request, they have continued to call my place of employment repeatedly, causing significant stress and risking my job security. 

I have received calls from them on the following dates : XXXX XXXX Each time, I reiterated my request for them to stop contacting me at work, but they have ignored my instructions. 

I am seeking immediate intervention to stop these workplace calls, as they are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I would like confirmation that they will cease all workplace communications and limit contact to my personal phone number or mailing address only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: ID

Complaint narrative:
My Equifax Credit Report has changed six times since XX/XX/XXXX because of credit card company XXXXXXXX XXXX. I have not interacted with XXXX and my account status has not changed. My last payment was XX/XX/XXXX and the account was Closed XX/XX/XXXX. It was Closed and Charged Off. 

Whether the following is due to XXXX or Equifax, I do not know. Equifax shows that the Account Descriptor keeps changing. I do not know what has changed, however, something about it becomes negative/derogatory and it causes Equifax to view this account as having a missed payment in the current month. Again, nothing about this account has changed in years. The change is occurring between these two companies and my credit score drops only to rebound the next day or within the next week. This does not happen at XXXX XXXX XXXX only Equifax. This volatility is unfair to me and makes securing credit at a reasonable interest rate impossible. Here are the dates ( all in XXXX ) and the impact on my credit score XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This is only on Equifax. I do not believe it is a fair practice of XXXX XXXX and/or Equifax to manipulate my score or allow manipulation to happen when nothing has materially changed. The XXXX account is scheduled to age off of my report within a few months. TThis is my only derogatory account and as a result significantly impacts my credit score. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I inhirted a house with a reverse mortgage and I've tried to establish that I'm the trustee successor of the trust I've sent them the certificate of trust, death certificate of my aunt, the deed of the house saying that the house if part of the living trust my the copy of the realtor I listed the house for sale my California ID card copy, I've called faxed, emailed, called send certified mail many times and still won't acknowledge that I'm the trustee successor of the trust, I know time is running out for the forclouser but I responded on time she passed away on XX/XX/XXXX and I called them and send them the information on XX/XX/XXXX according to PHH mortgage the forclouser will be on XX/XX/XXXX, I need an extension on this matter so I can continue with the sell of the property it is listed with a realtor, I requested an extension but the will not help telling me that I'm not the trustee successor of trust even though I've gave them information many times. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief