vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Hello this is some of the information also part of the letter I wrote to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Wrongful Repossession Mercedes-Benz XXXX XXXX XXXX XXXX ending in XXXX ) Complainant : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/year> Dear CFPB, I am filing this complaint to report what I believe to be fraudulent and deceptive business practices by Mercedes-Benz Financial Services ( MBFS ) , which led to the wrongful repossession of my vehicle and financial harm. 

Summary of Events : On XX/XX/year>, I spoke with an MBFS representative and clearly instructed that a {$1000.00} payment be applied to my XXXX XXXX XXXX XXXX XXXX XXXX  ) account, which was at immediate risk of repossession. The payment was made the same day and posted on XX/XX/XXXX. During the call, the representative explicitly assured me that the XXXX XXXX would not be repossessed, and that a follow-up call would occur on XX/XX/XXXX to discuss a payment deferral. 

Despite this, the payment was misapplied to a different account ( XXXX XXXX XXXX ending in XXXX ) without my authorization, which triggered the wrongful repossession of the XXXX XXXXXXXX without warning. This action was taken in direct contradiction to what was promised by the MBFS representative during the recorded call. 

On XX/XX/year>, I been calling daily, finally today before contacting you, I spoke with a representative named XXXX, who was aggressive and who claimed the repossession was valid and that she had reviewed the call recorded. However, when I mentioned the possibility of subpoenaing the recording, she changed her tone and indirectly apologized. 

I have also been told by XXXX from the Redemptions team that although the call was recorded, I must obtain a subpoena to access itdespite it being the key evidence in this dispute. I consider this an obstruction of transparency. 

Why This Matters : Mercedes-Benz ignored explicit payment instructions and misapplied funds. 

They violated verbal commitments given in a recorded call. 

They have attempted to evade accountability for their error. 

They are charging fees related to a repossession that resulted from their own mistake. 

Their behavior reflects bad faith, deceptive conduct, and potential consumer fraud. 

What I Am Requesting : A formal investigation into MBFS 's repossession and mispayment handling practices. 

A copy of the XX/XX/year> call recording, or an official transcript, to verify the truth of my request. 

Relief from all repossession-related fees and a correction to my payment record. 

Reinstatement of my vehicle and loan agreementor alternativelyfinancial compensation to reflect the harm and misrepresentation I have suffered. 

Thank you for your attention. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
Hi, I've recently been going through some unfortunate events with my credit due to The Equifax data breach. These account and inquiries are unauthorized. Please remove them from my profile according to the FCRA. These inquiries were not authorized - XXXX, XXXX, XXXX, XXXX and XXXX. I would like to resolve this issue before proceeding to litigation with my attorney

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
am writing to formally inform you of a devastating loss resulting from a recent scam involving my bank account. 

On Tuesday, XX/XX/year>, I received a notification indicating a transaction on my account that I did not authorize. Upon reviewing my account, I discovered a recurring charge from XXXX over the past few months. I immediately responded to the text message stating that I did not authorize this charge. The response I received indicated that my account would be restricted. 

The next day, XX/XX/year>, I went to the nail salon, entirely unaware that my card was restricted. Later that day, I contacted Wells Fargo to update my account with my new card information for XXXX XXXX. The representative successfully completed this request. 

However, on XX/XX/year>, at XXXXXXXX XXXX I received a text message asking me to confirm or deny a new charge of {$2700.00}. I was unable to respond immediately due to being busy at work. A few minutes later, I received a call from Wells Fargo, during which I was asked to confirm the last three charges on each of my accounts. I did so, trusting that the bank 's precautions were in place since my card had already been restricted. 

Shortly after, I received another call from the same number, and the caller identified himself as a supervisor from the Wells Fargo fraud department. We discussed the situation for approximately 14 minutes, during which I was told that my online banking had been accessed via an XXXX XXXX in Texas. I confirmed that I had my physical card and had not shared my passwords or usernames with anyone. The representative asked if I had authorized anyone to access my account, which I have not. 

Despite my efforts to secure my account, I believe I have fallen victim to a sophisticated scam that compromised my personal and financial information. I am deeply distressed by this incident and urgently request your assistance in investigating this matter, preventing further unauthorized transactions, and securing 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-07 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Please assist me! I have contacted Equifax credit reporting agency in reference to FCRA 604 15 USC 1681a, as it relates to false information contained in my credit file .. After speaking with Tier 3 department in reference to the underlying accounts XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX  XXXX XXXX acct # XXXX, I was told to file Police report/ FTC report and the accounts will be BLOCKED within 4 business days per FCRA .. However, Equifax has not honored my documentation they ask for I uploaded requested information several times via online portal .. According to FCRA 605B, it is illegal to report anything in my credit report without my permission.as well. I need this matter resolve, I am unable to move forward with my life due to this alleged information in my credit file with equifax, I cant purchase a new home for my family, start a business..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because my credit reports contain inaccurate personal information that I have previously disputed directly with the credit reporting agencies but has not been corrected. 

I want to clearly state the only correct personal information that should appear on my credit file : Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Any other name variations, phone numbers, or addresses are inaccurate and should be permanently removed from my credit file. 

These inaccuracies are causing confusion and could potentially impact my creditworthiness. I have made efforts to dispute and correct this information directly with the credit bureaus ( XXXX Experian, and XXXX ) but the issue remains unresolved.

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 2025-07-07 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 Equifax for reporting inaccurate and damaging information on my credit file in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and related consumer protection laws I have disputed these accounts directly with Equifax but they have failed to take corrective action or conduct a meaningful investigation as required under FCRA 1681i I request CFPB intervention and enforcement to protect my rights and force immediate correction or deletion of the following accounts XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account is being falsely reported as a charge-off even though I was never given prior written notice or a chance to dispute or validate the debt before it was reported to the credit bureaus This is a violation of FCRA 1681s-2 ( b ) which mandates a reasonable investigation upon notice of dispute Additionally this account was charged-off very shortly after being opened which indicates failure to follow due process and may point to reporting fraud or error Story : I never received any proper billing statements or notifications about this account being past due before it was reported as a charge-off I tried to contact the creditor to request validation but was met with no response I believe the reporting is incorrect and harmful and it is damaging my ability to secure housing employment and affordable credit options XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account is inaccurately being reported with a late payment which never occurred I have records proving that my payments were made on time and I never missed any scheduled payment dates This reporting violates FCRA 1681e ( b ) which requires the credit bureau to ensure maximum possible accuracy The late payment is false and misleading and is having a negative effect on my credit profile Story : I used auto-pay for this account and monitored the payment schedule carefully I was never notified of any payment being missed nor did I see any alerts or communications about delinquency This appears to be an internal error on the part of the data furnisher or Equifax and it continues to impact my credit score and ability to obtain fair financing terms I am requesting that CFPB hold Equifax accountable for its failure to comply with federal law and force the agency to either correct or delete these accounts immediately I also request a full investigation into how such inaccurate data was allowed to remain on my credit file despite being disputed Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX binance received XXXX Of my XXXX coins valued at {$200.00}. Binance is refusing to return my funds from unsupported XXXX token. I deposited XXXX ( XXXX XXXX XXXX  ) tokens to my binance wallet unaware that they no longer support the old version of the token. Binance accepted the deposit without warning me that the token was delisted or unsupported. The funds are visible on the XXXX and in binance custody, yet they refuse to return or recover them. Binance support told me there is nothing that can be done since token is unsupported, even though they clearly received the funds and still control the wallet they were sent to. I asked for supervisor multiple times to escalate the claim but was ignored or given excuses. They refuse to put a supervisor on the chat and have me waiting for 4 days telling me they will contact me when supervisor is available but the supervisor is going to tell me the same thing. Binance has the technical ability to recover these tokens- theyve done this for other users and coins- yet they refuse to help in my case, essentially keeping my money. This is misleading and unfair. As a customer I was never warned at the time of the deposit which binance was happy to accept and now Im being told my money is gone even though its in their wallet. Binanance has admitted in chat which I uploaded that my transaction was successful and to wait for a supervisor to assist in recovering funds which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my TransUnion credit report. I did not authorize or initiate these inquiries, nor did I apply for credit with the listed companies. These inquiries are negatively affecting my credit score and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries appear on a consumers report. 
The following inquiries are disputed as unauthorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these inquiries and remove them from my credit file. I have included a copy of my government-issued ID and a utility bill to verify my identity. 
Thank you for your prompt attention to this matter. I look forward to your written response confirming the removal of these unauthorized inquiries.

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 2025-07-08 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: FL

Complaint narrative:
The following accounts and inquiries appeared on my credit report as a result of identity theft and unauthorized use of my Social Security number. I did not apply for, authorize, or have any knowledge of these accounts : XXXX XXXX XXXX XXXX Additionally, I did not authorize the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Two addresses have also been reported under my credit profile that are not connected to me in any way.

These items are violations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c2, which mandates removal or blocking of information resulting from identity theft.

15 U.S. Code 1681b, which prohibits access to a credit report without a permissible purpose or consumer consent. 

To date, no party has provided verification or proof of a valid debt or authorization. This lack of response constitutes estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715 ( Mo. 1926 ) ).

If these items are not removed within a reasonable time, I am prepared to pursue formal legal action to protect my rights under federal law, including filing complaints with the CFPB, FTC, and initiating a civil claim for damages under 15 U.S. Code 1681n and 1681o. 

This serves as a final opportunity to resolve the matter without litigation.

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 2025-07-08 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 21 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 non-monetary relief