vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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 filing this complaint against Experian for continued violations of the Fair Credit Reporting Act ( XXXX  ) involving the reporting of false personal information and multiple unauthorized hard inquiries, despite my previous formal dispute. Experian has failed to correct these issues or provide verification, and I now request the CFPBs urgent intervention. 

Inaccurate Personal Information : Experian is reporting the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are entirely inaccurate. I have never lived at nor had any association with these locations. Their presence on my credit report is a clear violation of FCRA XXXX ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. These false addresses present a risk of identity confusion or potential identity theft. 

Unauthorized Inquiries : My credit report also contains the following hard inquiries, all of which I did not authorize or initiate : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX OF XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX OF XXXX XXXX ( XX/XX/XXXX ) XXXX CREDIT/DEALS XXXX WHE ( XX/XX/XXXX ) NOWCOM/DEALS XXXX WHEELS ( XX/XX/XXXX ) XXXX  XXXX AUTO FIN ( XX/XX/XXXX ) None of these inquiries were initiated by me, nor did I consent to any credit pull or application with these companies. Under FCRA XXXX ( a ) ( XXXX ), no entity may obtain a consumer report unless there is a permissible purpose. Experian has failed to provide any proof that these inquiries were lawful or authorized, and I previously requested deletion with no resolution. 

Failure to Reinvestigate and Verify : Under FCRA XXXX ( a ), Experian is required to conduct a reasonable reinvestigation of any item I dispute. Despite my formal dispute submission, Experian has failed to delete these unverifiable and inaccurate items. Continued reporting of false addresses and unauthorized inquiries demonstrates willful noncompliance under FCRA XXXX and XXXX. 

Relief Requested : I am requesting that the CFPB investigate Experians failure to correct these clear violations of federal law. I demand full deletion of all unauthorized inquiries and inaccurate addresses listed above, and a corrected copy of my credit report. If Experian fails to comply, I will pursue all legal remedies available to me.

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 2025-07-05 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was gifted money for my anniversary be several friends and my account has been suspended for suspicious behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX failed to provide documentation proving legal ownership of this debt no purchase/sale agreement or chain of title was included. I disputed this as unverified under XXXX XXXX. XXXX, but the company only marked the item as disputed without verifying its accuracy. I am requesting a full reinvestigation or deletion due to 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinme Holdings, Inc.
State: NM

Complaint narrative:
On XX/XX/year>, I sent approximately {$2000.00} worth of XXXX ( XXXX ) to the deposit address provided by CoinMe after fully verifying my new account with them. The transaction was confirmed on the blockchain and shows as complete, but the funds never appeared in my CoinMe account.

I immediately submitted a support request through their only available method ( an online form ). Several days later, I received a generic reply asking me to provide the exact same transaction details I had already submitted. I responded promptly with all requested information, including transaction hash and screenshots, but I have not received any further communication. It has now been several days with no update or resolution. 

I am concerned about the lack of transparency and support regarding my missing {$2000.00} XXXX XXXX, and I feel this matter requires regulatory review due to the financial impact and poor handling by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I am filing a complaint against Mercedes-Benz Financial Services ( MBFS ) for inaccurate credit reporting and failure to provide proper billing statements, which led to an unjustified late payment on my credit report. I made multiple written attempts ( XX/XX/XXXX and XX/XX/year> ) to notify MBFS that I had not received my XX/XX/year> billing statement, and I requested clarification on the payment amount. MBFS never responded before marking my account as late. Making the previous investigation a lie.

Additionally, MBFS updated my address incorrectly at the time, which further delayed any communication. I only discovered the issue after I had to call MBFS myselfno proactive effort was made by them to resolve or prevent the error. I have never had a late payment, and the reporting of my final payment as late is false, misleading, and damaging. I am the only one who tried to resolve these issues. 

MBFSs actions violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ) : Failure to ensure accurate reporting and to conduct a reasonable investigation.

Truth in Lending Act ( TILA ), 12 CFR 1026.7 : Failure to provide accurate and timely billing statements.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Denial of fair access to information.

Unfair, Deceptive, or Abusive Acts ( UDAAP ), 12 U.S.C.
5531 : Withholding information and reporting inaccurate data.

E-Sign Act, 15 U.S.C. 7001 : Failure to ensure reliable digital access to billing.

I am requesting : 1. Immediate removal of the inaccurate late payment from all credit reports.

2. A formal acknowledgment of MBFSs errors and the harm caused.

3. Assurance of no further negative reporting related to this matter. 

I have attached the email evidence showing my early communication attempts, which MBFS ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
Equifax has failed to fulfill its responsibility to accurately and lawfully report credit information. My Equifax report reflects nine U.S. Department of Education accounts fraudulently opened without my knowledge or consent. All are being reported with late payments and balances that are legally invalid due to identity theft. I have provided Equifax with the required police report and FTC affidavit.

Despite my clear dispute, Equifax has not conducted a reasonable reinvestigation nor deleted the unverifiable information. This is a violation of : 15 U.S. Code 1681i ( a ) : Failure to reinvestigate disputed information.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to report knowingly inaccurate data.

15 U.S. Code 1681c-2 : Failure to block fraudulent accounts upon notice of ID theft. 

Equifax is also reporting a XXXX XXXX account I did not authorize and incorrect names and addresses that facilitated the fraud. I am demanding full removal of these entries as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I deposited a {$48000.00} certified cashiers check into my Bank of America account using mobile deposit. I verified the legitimacy of the check in person at two different BoA branches and received conflicting answers regarding when the funds would be made available. 

The deposit was accepted, and I have full confirmation, including receipt and image proof. Despite the verification, the funds were placed on hold until XX/XX/XXXX. I contacted customer service to request an early funds availability review under Regulation CC, which applies to certified checks. My request was denied. 

I then asked the representative ( employee code XXXX ) to escalate the issue to a supervisor and document an internal complaint. The complaint was documented under reference number XXXX. However, when I specifically asked if the funds availability request was escalated internally, I was told no. 

Bank of Americas refusal to escalate this issue or provide a clear regulatory reason for the hold has impacted my ability to meet time-sensitive financial obligations. I am requesting a review into this unreasonable delay, poor customer service handling, and non-compliance with federal check hold standards.

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 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Flexible Finance, Inc.
State: CA

Complaint narrative:
Multiple back and forth emails with company between XX/XX/year> and today with the task of paying and closing still not complete. They are saying there is an issue with my debit card. Bank says my card is working fine and I have conducted other transactions successfully. Attempted to provide new information and card. Phone number directs you back to a chat bot and eventually a person. Very unprofessional and frustrating. 

Payoff amount on app {$740.00} XXXX email {$730.00} Now XXXX different ineffective email threads open with company and the task I initiated still incomplete after XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing a complaint against Resurgent Capital Services for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). This matter involves a XXXX XXXX XXXX account that is currently the subject of a lawsuit filed by LVNV Funding LLC, represented by XXXX XXXX XXXX XXXX XXXX XXXX. 

I sent a formal debt validation request to LVNV and XXXX on XX/XX/2025. Although I never contacted Resurgent directly, they issued two letters dated XX/XX/2025 : 1. One letter stated they were managing the account on behalf of LVNV and were initiating a review of the inquiry. 
2. The second letter stated : Resurgent Capital Services is a debt collector. We are trying to collect a debt that you owe to LVNV Funding LLC. 

This constitutes a continued attempt to collect during an active dispute, a direct violation of 15 U.S.C. 1692g ( b ). 

On XX/XX/2025, I sent Resurgent a settlement demand outlining the legal violations and requesting {$3000.00}. Instead of responding to the demand or properly validating the debt, they sent multiple letters on XXXX XXXX XXXX, regarding a completely unrelated account, which I never disputed with them. 

I also received a collection letter from XXXX XXXX XXXX about the same unrelated account, meaning two different agencies attempted collection on the same debt simultaneously, further violating the FDCPA. 

These actions constitute : 1. 1692g ( b ) Continued collection during dispute 2. 1692e ( 2 ) ( A ) Misrepresentation of the legal status of a debt 3. 1692e ( 10 ) Deceptive collection tactics 4. 1692f Unfair and unconscionable practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


UNAUTHORIZED INQUIRIES : 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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have a paypal account that I recently started to use. I set them up as a my direct deposit source for my XXXX  benefits. After I received my pay on Wednesday, XX/XX/XXXX, my account received several withdrawals or " payments '' to a merchant called XXXX XXXX. In total, there were {$4700.00} in transactions that were made. My account only had XXXX in it, so in addition to that {$3800.00}, another {$950.00} was withdrawn from my bank account. 

I immediately opened a case and disputed these transactions, and they were denied within XXXX minutes. I called about XXXX times over 2-3 days to ask what I can do about this. Every single rep that I spoke to told me a different answer and what to do. I was promised a dozen or so times the claim will be re opened and properly investigated. I was told to file it under a reason that wasn't unauthorized so it wouldn't automatically be rejected. I tried that, among other ways, to get a claim or case filed to have this investigated and have my money returned. Every time I tried to appeal it, I was told it would be investigated but it was automatically denied by their system. 

I called as high as I could on the food chain to speak to someone and was just told their decision is final. They never even investigated this or helped me in any way. This is all my money, please help. 

The account email address associated with my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX ( last 4 ) : XXXX To Whom It May Concern, I am writing to formally dispute the XXXX XXXX account being XXXX XXXX my Experian credit report. This account is displaying inconsistent and inaccurate information. 

On the first page of my report, this account does not reflect any late payments. However, later in the report, it is listed as delinquent. This contradiction violates the Fair Credit Reporting Act ( FCRA ), which requires all information furnished to consumer reporting agencies to be accurate, consistent, and verifiable.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 611, I am requesting the immediate removal of this account from my credit report unless it can be verified with proper documentation, including original contracts and a full breakdown of the payment history. In the absence of full and timely verification, this item must be removed from my Experian credit file.

Please investigate and resolve this dispute within the 30-day timeframe as mandated by law. 

Sincerely, 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX ( last 4 ) : XXXX To Whom It May Concern, I am writing to formally dispute the XXXX XXXX account being XXXX XXXX my XXXX  credit report. This account is displaying inconsistent and inaccurate information.

On the first page of my report, this account does not reflect any late payments. However, later in the report, it is listed as delinquent. This contradiction violates the Fair Credit Reporting Act ( FCRA ), which requires all information furnished to consumer reporting agencies to be accurate, consistent, and verifiable.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 611, I am requesting the immediate removal of this account from my credit report unless it can be verified with proper documentation, including original contracts and a full breakdown of the payment history. In the absence of full and timely verification, this item must be removed from my Experian credit file.

Please investigate and resolve this dispute within the 30-day timeframe as mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX  ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXXXXXX XXXX XXXX XXXX ; ACCOUNT # : XXXX ; OPENED ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX  Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report a serious and urgent issue involving my mortgage servicer, XXXX, and their handling of my mortgage payments. I believe their actions have been unfair, deceptive, and harmful, especially as they are now moving to foreclose on my home, despite my repeated efforts to pay. 

In early 2024, my family experienced financial hardship. I am a veteran, a working father of XXXX young children, and the sole provider for my household. Despite the hardship, I have made every possible effort to stay current on my mortgage. 

Here is a summary of what happened : I was unable to make payments directly on the XXXX website or over the phone, so I used XXXX, which was listed as an approved third-party payment option. 

On XX/XX/XXXX, I submitted a payment of {$2500.00} via XXXX. It was later denied. 

On XX/XX/XXXX, I submitted a second payment of {$1900.00}, also via XXXX. That, too, was denied. 

I submitted refund requests for both payments, but to this day, I have not received the funds back. 

On XX/XX/XXXX, I attempted to make a payment by phone but was informed that method was not available. 

I was told by a XXXX representative that I would receive an email with instructions on how to bring my account current but I never received any follow-up communication. 

As a result of these failed and denied payments which were made in good faith XXXX has now moved to foreclose on my home. 

This situation has caused incredible stress and hardship for my family. I have proof of payment attempts through XXXX, and I have been doing everything within my power to resolve this. 

I am requesting that the CFPB : Investigate XXXX handling of third-party payments and failure to communicate. 

Intervene to stop the foreclosure process. 

Ensure I am given a fair and clear path to bring my loan current. 

Hold XXXX accountable for failing to refund my denied payments. 

Please help protect my rights as a consumer and a veteran. I am just trying to keep a roof over my familys head. 

Thank you for your attention and support. 

Sincerely,

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