vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the charge-off account listed on my credit report, reported by XXXX XXXX XXXX I request an investigation into the accuracy and completeness of this entry, as I believe it may be inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputed information, usually within 30 days of receiving a consumers dispute notice. 
15 U.S. Code 1681e ( b ) : Furnishers of information are required to maintain procedures to ensure maximum possible accuracy of the information they 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 2025-06-07 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: NV

Complaint narrative:
These debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending Regulation V to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores. 

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. In XX/XX/year>, the CFPB finalized a rule amending Regulation V to remove a regulatory exception that allowed creditors to obtain and use medical debt information in credit eligibility determinations. This change aims to prevent medical debt from adversely affecting consumers ' credit scores The following tradelines are being reported as negative for medical bills and must be removed immediately or I will file a civil lawsuit against you! 


The charge off accounts are : Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The late payments are : XXXX XXXX This debt is for medical bills and must be removed immediately or I will file a civil lawsuit against you! 

If you ignore this request or provide an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter promptly to the State Attorney General and Federal Trade Commission for urgent attention and please know that this letter of dispute is now time stamped. 

In the event that you continue to list the disputed item on my credit report I will find it necessary to file a lawsuit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. 

I look forward to an uneventful resolution of this matter. 

Thank You in XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.

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 2025-06-07 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: FL

Complaint narrative:
Let me be very clearthis is not a refusal to pay. I am more than willing to settle this obligation in full. However, as any intelligent and responsible XXXX would do, I am requiring that certain lawful conditions be met before any further payments are made. This is how fair business is done. We dont pay on blind faithwe pay on verifiable proof. 

On or around XXXX, I submitted a formal Conditional Acceptance of Promissory Note Obligation to Mercedes-Benz Financial Services USA LLC regarding an alleged debt connected to Deal # XXXX and VIN : XXXX. This was not some gimmickthis was a good faith offer to resolve the matter completely, provided the company could meet basic standards of honesty, legal compliance, and financial transparency. 

To date, Mercedes-Benz has failed to respond with any of the following lawful disclosures : No full GAAP-compliant accounting has been provided. No debits, no credits, no application of interest or principal. Nothing to show how funds have moved or if third parties were paid.

No chain of title, no endorsement records, no proof of holder-in-due-course status as required under UCC Article 3. I asked who owns the noteno answer.

No disclosure of securitization or trust documents, despite multiple signs that the promissory note may have been sold, pledged, or monetized. Where is the Pooling and Servicing Agreement? Where is the CUSIP? 

No confirmation of whether a 1099-C or 1099-A was issued, despite Mercedes-Benz reporting a charge-off . Thats a potential tax violation under 26 U.S.C. 6050P. The IRS should be involved.

Lets be honestthis smells like double-dipping. If the debt has already been securitized, insured, or discharged, and theyre still trying to collect from me, thats called unjust enrichment. Its illegal, and its wrong.

I gave Mercedes-Benz 21 days to respond. I warned them that failure to meet these conditions would result in complaints to the CFPB, FTC, IRS, SEC, and the Florida Attorney General, and that I would proceed with IRS Forms 3949-A and 1099-B for possible fraud or unreported income.

I want to settle this. But Im not paying into a black hole. I want answers. I want facts. I want accountability.

This isnt just about meits about consumer rights, transparency, and doing business the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Total Card, Inc.
State: MI

Complaint narrative:
Company has called me repeatedly multiple times per day and left messages. They proceeded to call family members about the debt and asked them to send me a message from the collection company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a yearly fee from CitiAAdvantage in the mail. I called and told them I would be canceling the card because I didnt need it. Unbeknownst to me, I had received a notification previously and was passed the grace period for cancellation. They canceled the card but still want me to pay the yearly fee plus a late fee. I called to explain that the card was canceled and was told they couldnt waive the fee. I may have used this card XXXX time the whole year and not at all after they tried to renew it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally express my deep dissatisfaction with the way I have been treated by Chase Bank over the past several months. I initially opened a personal checking account with your institution, which functioned without issue for some time. However, unexpectedly and without clear explanation, my personal checking account along with my associated credit card was closed. As a result of the account and credit card closures, my credit rating dropped significantly, causing lasting damage to my financial standing. 

Following this incident, I decided to give Chase another chance and opened a business partnership account under my legal business, which is a legitimate and registered automobile sales company operating within the United States. I have a verified office and conduct lawful business operations. Unfortunately, to my disbelief, Chase once again subjected my account to excessive and repeated verification procedures only to ultimately close my business account as well. 

This is now the second time that Chase has shut down my accounts with no valid justification, despite my full cooperation and provision of all necessary documentation. The constant disruptions, sudden closures, and lack of communication have made it impossible for me to rely on Chase for stable business banking. I am extremely frustrated and disappointed by the treatment Ive received. 

I demand a full explanation for these repeated account closures and a review of the internal policies and decisions that led to this outcome. As a law-abiding customer attempting to operate a legitimate business, I expect better from a financial institution of your stature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$210.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine.

You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report. These accounts do not appear on my XXXX  nor my XXXX  reports. Also I have never lived in XXXX  or at XXXX XXXX XXXX in XXXX  where some of these accounts were opened. I have included the identity theft report along with my SSN, ID with address, and Passport. 


Please remove these fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation