vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Car World Group
State: AR

Complaint narrative:
Formal Complaint Unlawful Debt Reporting and Collection After Vehicle Surrender & Business Closure To Whom It May Concern, I am filing this complaint against * * Car Wrld Grp * *, previously located at XXXX XXXX XXXX, XXXX, AR XXXX, and a third-party collection agency now attempting to collect a deficiency balance on a vehicle I voluntarily surrendered. This matter involves multiple violations of consumer protection laws and has caused credit and financial harm. 

# # # XXXX. Voluntary Surrender & No Legal Notification ( XXXX XXXX Violation ) I surrendered my vehicle to Car Wrld Grp on or around [ Insert Surrender Date ]. I did not receive any legally required pre-sale notice, post-sale accounting, or documentation of the vehicles disposition. This violates * * XXXX XXXX * *, which mandates clear notification prior to the sale of collateral. 

# # # XXXX Business Closure & No Legal Assignment of Debt Since the surrender, the dealership has * * closed its operations * *. There is no verified or documented legal transfer of the alleged debt to any other entity. The only remaining business appears to be a related location, but * * no documentation was ever provided to me showing they acquired or now hold this debt * *. 

Under both the * * Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ) * * and the * * Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) * *, a collection agency or any other business must validate their right to collect, especially when the original creditor is no longer in business. To date, I have not received any such validation. 

# # # XXXX. Misleading Information at Time of Surrender I was verbally told I would not be responsible for a balance after surrendering the vehicle. This was deceptive, and no accurate written information was given. 

# # # XXXX. Inaccurate Credit Reporting Without Validation ( FCRA Violation ) Despite no legal transfer or validation, the alleged balance is now appearing on my credit reports. Under the FCRA, only * * accurate and verifiable information * * may be reported. Because the original business is closed and no lawful chain of assignment exists, this account should not be reported. 

-- - # # # Request for Action : - Investigate this matter thoroughly for * * violations of the FDCPA, FCRA, and XXXX * * - Require the collection agency to prove legal assignment and debt validation - Require that this item be removed from my credit report if validation can not be provided - Prevent further contact until proper documentation is received Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CO

Complaint narrative:
I am filing this complaint against Mercedes-Benz Financial Services USA LLC for inaccurate and derogatory reporting of an account ( Account Number XXXX ) to the Experian, Equifax, and TransUnion credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness.

The account is reported with a derogatory status and inconsistent payment records across Experian, Equifax, and TransUnion. The payment history reflects inaccurate records, which contradict the reported derogatory status. These discrepancies indicate a failure to validate the reported information, violating FCRA Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). I mailed a dispute letter to Mercedes-Benz Financial on XX/XX/year>, Mercedes-Benz Financial has failed to investigate and correct the inaccurate reporting, further violating FCRA Section 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( b ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the XXXX XXXX & XXXX aka The Fair Credit Reporting Acts FCRA. I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Recently, I have disputed a charge to the XXXX XXXX XXXX that was fraud for a person that was not me and Cash App refuses to refund the entire amount. They refunded the service charges and have acted in bad faith, leaving me on hold not coming back. Many representatives have shown this behavior. I recorded these calls as evidence. Cash App continues to play games by ignoring my request by email closing my dispute with no resolution several times or blaming me saying that I did not respond in enough time when Ive responded in writing and sent a request to * * * at their XXXX corporate office. Under 26 U.S. Code 6041 and 26 CFR 1.6041-1, Cash App, as a financial institution, is required to report all financial transactions where it has derived a taxable benefit or retained control over funds that do not belong to it. Given Cash Apps refusal to issue a full refund while continuing to hold or redirect these funds, I am requesting:1.A full tax and financial accounting of the disputed transaction, including any IRS reporting documents ( 1099-K, 1099-MISC, or internal tax classifications ) that indicate how Cash App has treated this transaction.2.An IRS-compliant reconciliation of all securities, credits, or financial offsets tied to this transaction, ensuring that Cash App does not improperly benefit from an unjust enrichment.3.Immediate full reimbursement of the disputed charge ( 2x ) not just the service fees, to ensure compliance with consumer protection laws, including Regulation E of the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: MT

Complaint narrative:
The company has consistently called me since XX/XX/XXXX, almost daily. I have them blocked because I don't want to talk to someone I do not owe any money to. 

The days called : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, twice on the XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson captial system state there are a collection agency to who I never brought anything from them and drive time sold them this collection and now Jefferson captial keep sending information in the telling me I have to pay XXXX and I never have drive time permission to sell my information to this company! As well as XXXX XXXXXXXX XXXX for the amount of XXXX which was sold from XXXX XXXX XXXX! Practices Act ( FDCPA ), 15 USC 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 USC S1681 et seq., and applicable state laws. 
I HEREBY DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY. 
Under 15 USC 1692g ( b ), I request that you provide COMPLETE verification of this alleged debt, including : 1. A copy of the original signed contract or agreement that created this alleged debt, showing my signature ; 2. Complete documentation showing the chain of title proving your company is the current legal owner of this debt and has standing to collect, including all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Experian Information Solutions 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 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 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 XXXX 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 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 2025-04-25 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-04-26 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
Dear Experian, I wanted to formally dispute an inaccurate loan entry that has appeared on my credit report. The entry in question is listed as a loan for XXXX dollars from EdiFinancial Services LLC dated XX/XX/year> for a term of 66 months. 
I have no recollection from taking out any loan from this financial institution. I attended XXXX  XXXX XXXX and the university processed a loan for of XXXX dollars was arranged for 10 months, which monthly payments of XXXX dollars beginning in XX/XX/year>. However, I paid off that loan in full directly to the university the same month in XX/XX/year>. All my other classes were paid in cash. 
Additionally, one class I did not pass, that is the reason the money was refunded to the XXXX. I have confirmed with the XXXX  XXXX XXXX there are no outsdanding loans under my name, nor have they reported any to external lenders.. 
This reported loan to EdiFinancial appears to be either an error or possibly fraudulent. I am requesting that you investigate this entry and remove it from my credit report, as it is negatively affecting my credit standing. 
Thank for your prompt attention. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
XXXX'I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information  on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes  which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedforXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-25 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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