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: 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:
To Whom It May Concern : This is a formal demand for immediate deletion of the following fraudulently reported account from my Equifax credit file due to multiple willful FCRA and Metro 2 violations : XXXX XXXX XXXX Account # XXXX ( Reported as " Charge Off '' by Creditor ) EVIDENCE OF WILLFUL VIOLATIONS MATHEMATICALLY IMPOSSIBLE REPORTING ( FCRA 1681e ( b ) ) Payment history shows " XXXX late payments '' a physically impossible metric proving automated fraud. 

" Month 's reviewed : XXXX '' directly contradicts the payment data, violating Metro 2 Rule 4.2.1 ( Accuracy Requirements ).

FALSE " CLOSED '' STATUS WHILE REPORTED AS CHARGE-OFF Charge-offs must report as " Open '' per Metro 2 Guidelines ( Status Code " 9 '' ).

Your simultaneous reporting of " Closed '' + " Charge Off '' violates FCRA 1681c ( f ) and constitutes deceptive trade practices. 

MISSING CRITICAL DATA FIELDS ( 12 CFR 1022.41 ) No Date of First Delinquency ( DOFD ) provided.

Blank " High Balance '' and " High Credit '' fields despite balance claims. 

FRAUDULENT RECENT ACTIVITY ( FDCPA 1692e ( 2 ) ( A ) ) Last activity date ( XX/XX/XXXX ) on a charged-off account indicates illegal re-aging.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit report has different names that are not my name

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I took out a loan and bought a car from a dealership because I needed XXXX licensed and insured in my name for a job. The dealership had issues with the title and took over 5 months to get it, and I only had 45 days to show I had a vehicle before lost the job. I struggled to pay on it until summer of XXXX when I just couldnt keep up. I called and wanted to do a voluntary repo because Id watched the XXXX market on auctions and I knew my car would go for pretty close to what I owed on it which was just about {$7200.00} I was told no, they wouldnt do that. I stopped paying on it and called again in XXXX when I was XXXX  months behind. I was told that they would repo when they decided to and I couldnt change it. I stopped driving the car but continued to carry full coverage so I wouldnt be responsible if something happened to it. They never came. In XX/XX/XXXX, I got a notice that if I paid now what I owed when I stopped paying for the car, I could keep it otherwise it would be XXXX. I didnt respond. In XXXX of XXXX, the XXXX  guy finally showed up, but refused to take my car until I had a conversation with the loan company. He insisted I call on his phone, and I have witnesses to this who later told me thats not how its supposed to work. They werent open because it was Saturday. He said hed be back on Monday and left the car. I called the loan company and was told that either I paid {$7200.00} that day or I was responsible for $ XXXX the balance plus fees and interest. Now, its XXXX, and the car is still sitting here.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX- {$8800.00} My information was involved in the XXXX data breach.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( last 4 ) : XXXX To Whom It May Concern, I am writing to formally dispute the XXXX account reporting on my TransUnion credit report. This account is listed with a 60-day late payment that I do not recognize and which was reported without my written authorization or consent.

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ) and 611, no negative item such as a delinquency may be reported unless the furnisher can verify the accuracy of the information and confirm that proper procedures were followed. Additionally, the Privacy Act of 1974 prohibits reporting of personal information without clear authorization.

I am requesting that this account be deleted from my TransUnion credit report unless the furnisher can provide documented verification, including date-stamped proof of the alleged late payment and a copy of any signed agreement authorizing this reporting.

Please resolve this matter within the legally required timeframe. 

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 2025-07-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
All hard inquires, I am disputing a hard inquiry that appeared on my credit report from he credit bureau ( Experian, Equifax, or TransUnion ) 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 XXXXXXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All hard inquires, I am disputing a hard inquiry that appeared on my credit report from he credit bureau ( Experian, Equifax, or TransUnion ) 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 XXXXXXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I did not open this account, and I am a victim of identity theft. Enclosed is a copy of my FTC Identity Theft Report and a copy of my government-issued ID and proof of address.

Under the * * Fair Credit Reporting Act ( FCRA ) 605B * *, I request that you : 1. Block this fraudulent account from my credit report.

2. Investigate and remove all inaccurate information related to this account.

XXXX XXXX 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX  FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/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 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: 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX BANK XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I got a car thru state employees credit union thru elite auto sales in XXXX the problem is that XXXX auto sent me the title with no lien on it and it's clear and clean in my name but state employees still have it on my credit as I owe them XXXX. Which I think because of the car lot mistake this should be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Goal Structured Solutions, LLC
State: ID

Complaint narrative:
Summary of the issue : I am submitting this complaint because Launch Servicing ( also operating as Clasp ) is attempting to collect payment on a student loan/Income Share Agreement ( ISA ) that has already been paid off in full by the school I attended XXXX XXXX XXXX 

In XXXX, I enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and financed my tuition through an ISA serviced by Launch Servicing. I ultimately withdrew from the program and XXXX XXXX later paid off the remaining balance on my ISA. According to my official XXXX XXXX student portal, the account was marked Paid in Full and the final payment of {$3800.00} was made on XX/XX/XXXX, listed as a write-off-bad-debt-606-reserve. The portal now shows {$0.00} remaining balance. 

Despite this, XXXX XXXX continues to send me billing statements demanding nearly {$6000.00}, falsely claiming I still owe the full balance. I contacted XXXX XXXX, submitted my documentation proving the debt was satisfied, and requested that they update their records. Instead, they sent me another statement demanding payment without acknowledging the proof I submitted. 

I also contacted XXXX XXXX for help, but they referred me back to Launch Servicing, and I have been unable to resolve the issue. This ongoing attempt to collect on a paid-off debt is causing stress and appears to violate my consumer rights. 

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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 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 XXXX XXXX Bankruptcy XXXX Discharged Personal Information : Names : 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 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: NJ

Complaint narrative:
Please see supporting documentation pertaining to the TransUnion Data Beach 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
CFPB Follow-Up Response Re : Unauthorized Hard Inquiry & Misleading Application Process Synchrony Bank To Whom It May Concern, I am following up on my original complaint regarding an unauthorized hard credit inquiry placed by Synchrony Bank , stemming from a credit application I did not complete.

As stated previously, I only initiated the application to explore potential eligibility under what was clearly advertised as a no impact to your credit offer. I abandoned the application midway due to an unexpected and intrusive requirement to link my personal bank account through a third-party service ( Plaid ), without any defined scope or time limitation. This was unreasonable and violated my expectations of privacy and consent.

I never completed or submitted the application, nor did I provide any final authorization for a hard inquiry. Despite this, a hard pull was placed on my credit report, resulting in a XXXX drop an outcome that I did not agree to, and that I consider misleading and unauthorized. 

After filing this complaint, Synchrony responded by email stating they had a message for me regarding my application, along with a link to a secure portal. However, this link was non-functional, and I was unable to view any response or explanation. I have taken screenshots of the broken link and submission error and have attached them here as evidence. 

Synchrony previously claimed they had no record of my application and are now suddenly issuing responses and communications following my CFPB complaint, while still failing to provide meaningful or transparent answers.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Midland Credit Management ], I am writing to formally request additional documentation and verification related to the transaction between the involved parties. 

To ensure our records are accurate and all terms are properly documented, please provide the following : 1. A complete copy of the Assignment Contract 2. A copy of the Purchase Agreement related to the assignment ; 3. The original fully executed contract reflecting the wet signatures of all parties involved. 
This information is necessary for full transparency and to verify that all terms, conditions, and assignments have been agreed upon and properly documented. 

We would appreciate receiving the above documentation at your earliest convenience.

Company response to consumer: Closed with explanation