vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX XXXX XXXX Ongoing Harassment During Active Complaint I am writing to submit an escalation to my existing complaint regarding XXXX of XXXX XXXX Despite the fact that my complaint is currently under formal investigation by both XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ), the dealership has ignored this entirely and continues to harass me with daily phone calls and written threats demanding payment of {$1300.00}. 

XXXX XXXX case number : XXXX CFPB case number : XXXX Summary of their misconduct : I filed my original complaint on XX/XX/year>, citing their failure to verify the correct XXXX payoff amount and an unjustified {$1300.00} demand. 

This amount is in dispute and stems from the dealerships own internal errorthey failed to verify the XXXX payoff amount I provided ( {$60000.00} ) and paid the wrong amount to XXXX. I have already submitted the full timeline, evidence, and chat history with the dealership showing the agreed-upon payoff and my payment contributions. 

Yet instead of acknowledging or investigating their mistake, the dealership continues to pressure me to pay the shortfall. They are now demanding that I cover the amount they failed to pay XXXX, even though XXXX is pursuing the shortfall from themnot from me. 

XXXX XXXX should be communicating with XXXX to resolve their payment mistakenot targeting me with threats and harassment. I am not responsible for their administrative failure, and I will not accept being used as a scapegoat. 

They have completely ignored the fact that this debt is formally disputed and still under corporate and federal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citi bank blocked my account and won't let me take money out of it. I got a letter in XXXX saying I had to make a transaction on the account otherwise it would be blocked. Because of this I make a deposit in the account. I opened a letter today from Citi saying that the account had been blocked because I haven't made a transaction in 28 months which is not true I made a transaction in XXXX. I called customer support and they said because it wasn't an ATM transaction it didn't count. The letter I got never specified that it had to be a ATM transaction. I never got an ATM card which I explained to them and they didn't care. I told them I want to withdrawal all the money and close the account and they said they wouldn't not close the account till I reactivated it which involves me paying a notary to prove who I am. They wouldn't explain why me verifying my identity on the phone ( which including giving my full name, account number and social security number ) wasn't sufficient to prove who I am to reactivate the account and close it.

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 2025-05-22 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: MD

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute regarding the account in question ; however, there are still inaccuracies and incomplete information appearing on my credit report. I formally request the description of the procedures used to investigate this account. You are required to provide this information within 15 days of receiving this notice. If you are unable to verify the accuracy of the information or do not respond within the required time frame, the disputed accounts must be removed from my credit report. Attached is a copy of my written request for the description of procedures. I look forward to your timely response.

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 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUHOME SOLUTIONS, LLC
State: SC

Complaint narrative:
Ive been traveling. I called Truhome Solutions. They inform my usual payment of XXXX dollars is now XXXX and it is due in 6 days. I asked for a manager to try to resolve the problem, but the angry representative refused to take my phone number. Then he said he would forward me to the manager, but he purposely left me on hold. I waited for 10 minutes and hung up realizing im not going to be able to resolve this matter with such unprofessional behaivor. 
Truhome never calls me or emails me. They have the wrong mailing address on file so i dont recieve any notices from them. The law states that i should be notified by mail at least 60 day before a change to the mortgage. I was never notified of any said changes until i called.

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 2025-05-22 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: TX

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-05-22 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: FL

Complaint narrative:
XXXX XXXX Date opened XX/XX/year> Dear CFPB Representative, I am writing to formally request your assistance in removing a fraudulent account from my credit report that was opened without my knowledge or consent as a result of identity theft. 

I recently reviewed my credit report and discovered an account listed under my name that I did not open. I have already filed an identity theft report with the Federal Trade Commission ( FTC ). 

Please investigate this matter and assist in having the account permanently removed from my credit file. I appreciate your time and attention to this urgent issue.

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 2025-05-22 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: VA

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracy.

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 2025-05-22 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: VA

Complaint narrative:
I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracy.

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 2025-05-22 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:
ubject : Formal Complaint Inaccurate and Harmful Reporting of XXXX XXXXXXXX XXXX Account ( Acct. No. Ending in XXXX ) To whom it may concern, I am writing to formally file a complaint regarding the account reported by XXXX XXXX  XXXX ( Account ending in XXXX ), as reflected on my credit reports with Equifax, XXXX and TXXXX 

Summary of Issues : This account is being inaccurately reported and contains multiple inconsistencies, errors, and outdated derogatory information, which violates the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Below are the specific issues : Violations & Inconsistencies : 1. Violation of the FCRA ( 15 U.S.C. 1681s-2 ) Duty to Report Accurate Information The account was closed on XX/XX/XXXX, yet it still reflects a current balance of {$2500.00} on all three bureaus, which is factually inaccurate. 

High balance is listed as {$0.00}, which contradicts the reported balance of {$2500.00} and makes the tradeline unreliable. 

Last Payment Dates do not match : Equifax : XX/XX/XXXX XXXX : No payment date XXXX : XX/XX/XXXX Last Activity and Late Payment History ( 90-day, 60-day, COs ) vary between bureaus, reflecting a failure to maintain uniform and accurate reporting standards. 

2. FCRA 611 ( a ) Violation Duty to Investigate Disputed Items Despite my dispute, the bureaus have not corrected the errors, and Equifax and XXXX  still report this account as Charge-Off ( CO ) with recent activity months after closure, which is misleading and harmful.

" Consumer Disputes Reintegration in Progress '' comment appears on XXXX, but no resolution or verification has been provided.

3. Violation of TILA ( 15 U.S.C. 1601 et seq. ) Lack of Clear Terms Disclosure I was never provided clear, written disclosure of terms, interest rates, or the contractual obligation of this revolving account. This violates TILA Sections 1026.5 and 1026.6, which require that credit terms be clearly and conspicuously disclosed. 

4. Violation of GLBA ( 15 U.S.C. 68016809 ) Protection of Personal Financial Information This account is inaccurately reported, and I never authorized continued disclosure of an account closed in XXXX. The public sharing of inaccurate and outdated financial data violates the GLBAs requirement to safeguard sensitive consumer information from misuse or unauthorized dissemination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I inquired about the annual fee being waived as a one time courtesy due to medical reasons at the time. I was informed by a close friend, her annual fee was waived upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by [ Equifax ]. 
Details of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ]. I request that my name be updated to reflect the correct information. 
2. Outdated Address : My current residential address is [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ], while my credit report shows an outdated address of [ XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ]. I request that my current address be updated accordingly. 
3. Incorrect Contact Information : I request that my new phone number, [ XXXX ], be updated as my primary contact number. 
4. The correct employment information is XXXX XXXX XXXX XXXX, where I am the XXXX The incorrect information is XXXX XXXX XXXX, XXXX XXXX, XXXX. I request that you update the information to reflect the correct information. Thank you. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ Equifax ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-22 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:
Subject : Formal Complaint Inaccurate and Conflicting Reporting of XXXX XXXX Account ( XXXX XXXX  XXXX XXXX in XXXX ) To whom it may concern, I am submitting a formal complaint concerning the XXXX XXXX  account issued by XXXX XXXX  XXXX ( Account ending in XXXX ) as reported on my credit files by XXXX, XXXX, and TransUnion. 

Issue Summary : This account is being reported with multiple errors, inconsistencies, and outdated derogatory information, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Identified Violations : 1. FCRA Violation ( 15 U.S.C. 1681s-2 ) Duty to Report Accurate Information The account closure dates are inconsistent : XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX A balance of {$1700.00} is still reported despite the account being marked closed and resolved. 

Comments from bureaus conflict : XXXX : Account previously in dispute now resolved by data furnisher/subscriber TransUnion : Dispute resolved reported by grantor Yet late payment indicators ( 90-day, charge-offs ) remain, which contradicts any resolved status. 

The last payment date and last activity vary : Last Payment : XXXX  XX/XX/XXXX | TransUnion XX/XX/XXXX | XXXX  missing Last Activity : XXXX  XX/XX/XXXX | XXXX  XX/XX/XXXX | TransUnion XX/XX/XXXX These discrepancies raise serious concerns about the accuracy and integrity of the reporting. 

2. FCRA 611 ( a ) Violation Failure to Correct Inaccurate Data After Dispute Although the account is marked as previously disputed and resolved, the derogatory data remains. This is a clear failure to reinvestigate and correct the inaccuracies per legal standards. 

3. TILA Violation ( 15 U.S.C. 1601 et seq. ) Failure to Provide Terms and Disclosures I was not given a proper disclosure of the terms, interest rates, or repayment obligations associated with this credit card account, as required under TILA sections 1026.5 and 1026.6.

4. GLBA Violation ( 15 U.S.C. 68016809 ) Mishandling of Financial Information Reporting outdated, inaccurate, and disputed financial data without proper consumer authorization or resolution constitutes a breach of the GLBA 's consumer data protection obligations.

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