vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


This is a formal complaint against MERCEDES BENZ FINANCIAL a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

MERCEDES BENZ FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It XXXX Concern : I XXXX XXXX received a negative remark on my credit from Jefferson Capital as of XX/XX/year> and I have not received any information from them that contains that this account belong to me, that I owed them or had an account with them. Now have been trying to contact them and there is no contact on their website like ; a number or email. I need them to send Proof that I am the person you claim owes the debts. They claim that I owe Jefferson Capital System XXXX. 2. The name and address of the original creditor. 3. A copy of the original signed agreement or contract establishing the debt. 4. An itemized statement showing how the amount you claim is owed was calculated. 5. Proof that your agency is licensed to collect debts in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
A fraudulent account has been reported under my name. I did not open, authorize, or approve this account, and I have no affiliation with the creditor. This incorrect information is adversely affecting my credit profile and requires immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I made a purchase with XXXX  on XX/XX/year> using cash app pay. Cash app took the money from my cash app balance as well as my card that was linked to my cash app which is my chime account. I disputed this XX/XX/year> & have went back & forth with cash app for over XXXX  months now over {$48.00}. They said the dispute was ruled in my favor on XX/XX/year> which I never received notification about. They claim {$48.00} was refunded to my XXXX  account but it is not in my account & multiple people at XXXX  have said there hasnt been any refunds initiated. Ive asked cash app for any proof that the refund was submitted but they have refused. I feel like my money has been stolen & no one at cash app will help. 

I am filing another complaint because Cash App lied about my problem being handled. I still have not received my refund and we are going on XXXX months of them lying about refunding my money. My account was charged twice. I disputed it & I have been told for XXXX month that it was refunded but I dont want to hear that anymore. The money HAS NOT been returned to me! The supervisors I have dealt with at Cash App have been no help what so ever! Just give me my money back! Its very simple!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Experian and XXXX  are reporting inaccurate information on account under XXXX XXXX, ACCOUNT NUMBER : XXXX, and are violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account XXXX times with both Experian and XXXX. XXXX  removed this account XX/XX/2024. I also sent a XXXX XXXX compliance packet directly to XXXX. Instead of conducting a lawful investigation, XXXX responded only by sending billing statements, which do not prove account accuracy or resolve the dispute.

Key violations include : 15 U.S.C. 1681, Sec. 602 ( a ) : My right to privacy is being violated by XXXX continuing to furnish this account without proper authority.

15 U.S.C. 1681b, Sec. 604 ( a ) ( 2 ) : A consumer report can not be furnished without my written instructions, which I never provided.

15 U.S.C. 1666b : A creditor can not treat payments as late when made in accordance with the agreement, yet XXXX has reported derogatory late payments.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation into my disputes.

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 2025-09-30 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: FL

Complaint narrative:
XXXX  and Equifax are reporting inaccurate information on account under XXXX XXXX, ACCOUNT NUMBER : XXXX, and are violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account XXXX times with both XXXX  and Equifax. XXXX  removed this account XX/XX/year>. I also sent a Metro 2 compliance packet directly to XXXX. Instead of conducting a lawful investigation, XXXX responded only by sending billing statements, which do not prove account accuracy or resolve the dispute.

Key violations include : 15 U.S.C. 1681, Sec. 602 ( a ) : My right to privacy is being violated by XXXX continuing to furnish this account without proper authority.

15 U.S.C. 1681b, Sec. 604 ( a ) ( 2 ) : A consumer report can not be furnished without my written instructions, which I never provided.

15 U.S.C. 1666b : A creditor can not treat payments as late when made in accordance with the agreement, yet XXXX has reported derogatory late payments.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation into my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX SSN : XXXX Date XX/XX/XXXX TransUnion P.O. XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Subject : Noncompliance and Lack of Verification under FCRA To Whom It May Concern : This is my second dispute regarding the following unauthorized inquiries on my credit report. In the first attempt, I did not receive proper verification or supporting documentation to justify their presence. 

Disputed inquiries : - XXXX XXXXXX/XX/XXXX - XXXX XXXX  XX/XX/XXXX Under 15 U.S.C. 1681b, all inquiries must have a permissible purpose. Furthermore, according to METRO 2 guidelines, inquiries must be associated with an active account or formal request. 
I hereby demand : XXXX. Immediate deletion of all unverified inquiries. 
XXXX. A copy of the signed contract or evidence of my authorization. 
XXXX. Correction of my report according to the accuracy obligations under 607 ( b ). 

If this issue is not resolved, I reserve the right to file a formal complaint with the CFPB and other relevant agencies. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc . 
Attn : XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Communication Account/Reference Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally notify you, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you are to immediately cease all communication with me regarding the alleged debt referenced above.

This request includes, but is not limited to, telephone calls to my home, workplace, or cell phone, text messages, emails, letters, or any other form of communication. The only permissible contact from your company may be : XXXX. To confirm that you will comply with this cease and desist request, or XXXX. To notify me of specific remedies you intend to pursue, such as filing a lawsuit. 

Please also note that I dispute the validity of the alleged debt and demand that all further collection activity cease until you have provided proper validation in compliance with the FDCPA, 15 U.S.C. 1692g. 

Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other applicable regulatory agencies. I also reserve the right to pursue legal remedies for any continued violations of my rights under the FDCPA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Self Financial Inc.
State: IL

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute the accuracy of information reported on my credit file. 

The account in question is : XXXX : XXXX/XXXX  Account Number : XXXX Status : Closed, {$0.00} Balance This account was paid in full and closed, yet it continues to appear on my credit report in a way that is inaccurate and misleading to potential creditors. The reporting of an inactive account that carries no balance but still negatively affects my creditworthiness is neither complete nor verifiable as required under FCRA 602 ( A ), 607 ( B ), and 611 ( A ).

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I am formally requesting : XXXX reinvestigation of this accounts accuracy ; XXXXThe deletion or correction of any incomplete or unverifiable information ; XXXX copy of all documentation the furnisher has provided that substantiates their reporting of this account ; XXXXNotification to me in writing of the results of your investigation within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ). 

If the furnisher of this information can not provide verifiable proof that this closed account with a XXXX balance is being reported accurately and in compliance with the law, it must be deleted from my credit file. Continuing to report unverifiable or inaccurate data violates FCRA 607 ( B ) which requires maximum possible accuracy of information. 

Please note that I am keeping detailed records of all correspondence. 
I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX, had negative and false and misleading information and harassing and multiple phone calls at unconvient times all through the day from different numbers for an alleged debt which is not owed and I want them to cease and desist contact, threats and collections attempts immediately, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and National credit systems, the XXXX XXXX debt collector, had knowledge it was A alleged BAD DEBT. No UCC 11 liens to prove alleged debt. Request books of accounts of credit pursuant to IRS XXXX to verify and validate. I NEVER SIGNED AN AGREEMENT WITH THIS XXXX XXXX Debt collector. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations XXXX code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( XXXX ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. XXXX. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand they cease and desist any communication or collection attempts, immediately or I will sue you in a federal venue with trail by XXXX  And I further cease and desist any attempts to reporting from them on my consumer report ucc 1-202 upon this notice you have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-30 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: MO

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

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

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Company response to consumer: Closed with explanation