vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
For the past XXXX years I have been working diligently to remove inaccuracies on my credit report. In the beginning I started to handwrite most of my letters as I got frustrated with the nuisance these bureaus love to do, by proclaiming that they don't believe these said letters were officiated by me. So, now my letter are typed and sent with copies of my current driver 's license, and a bill to reflect my residency matches what's on my license as well as it should match on my report. One of the biggest discrepancy on my file is by way of an old " XXXX XXXX '' account with a balance reflecting of {$500.00}. I will include with this dispute screenshots showing the discrepancies when it was formally being collected by a debt collector, along with what Equifax is proclaiming of a whopping XXXX late payments, then on another screenshot it will reflect how that does not match at all to what Experian is proclaiming for a total of XXXX late payments. The case and point is I requested that Equifax, Transunion, and Experian shows proof of these late payments by submitting to me all statements and or statement reflecting these alleged late payments. If they can not furnish that to me within 30 days, then I demand that the entire account is removed from my credit report as they know it is inaccurate and goes against the FCRA. I am also going to include yet again a copy of my drivers license so that they'll know it's me and a copy of the what I love to call their " stall '' letter dated XX/XX/XXXX will be included with this dispute. Another error on Equifax part for this same account, on Experian it shows CO ( charge off 's ) since XXXX what's odd is that Experian is showing nothing reported for XX/XX/XXXX, but when it pertains to Equifax it's reflecting that this same account showing " OK '' for XX/XX/XXXX as if payment was submitted and the account was fine. I'm curious as to what payment Equifax is showing for a charged off account and can they show proof of that too? In conclusion even the closing date for this account I am disputing, you'll be able to show it's reflecting XX/XX/XXXX that this acct was closed per " Experian '' but somehow both Transunion and Equifax have the dates of XXXX of this year as last activity shown for this same charged off account. These are the undermined tactics that these bureaus are doing to consumer 's like me and I'm sick of it. Inaccurate reporting has affected my livelihood for many years and I will stop at nothing to ensure that across the board the information on my files is accurately reporting up to date, and matches for all XXXX bureaus or it must be removed its as simple as that.

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 2025-06-11 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I am the lessee of a XXXX vehicle and contacted Mercedes-Benz Financial Services today XXXX XX/XX/2025, to request my lease buyout ( payoff ) amount. Over the course of the call, I spoke to XXXX different representatives, and it took extensive persistence before I was finally given partial verbal information. 

I was told the payoff quote is {$27000.00} and the residual value is {$23000.00}. However, the representative was unable or unwilling to provide a written, itemized lease buyout quote. I was also told some values were not visible in their system. No purchase option fees, taxes, or expiration details were provided. 

As the lessee, I have a right to receive this information in writing so I can evaluate my lease-end options and compare financing alternatives. I made it clear that I needed this documentation urgently for time-sensitive financial planning. 

For transparency and accuracy, I recorded the calls I participated in today. As a resident of XXXX XXXX XXXXXXXX, a one-party consent jurisdiction, this is legal and within my rights. 

Despite repeated efforts, I have still not received the full lease buyout quote in writing. I believe this lack of cooperation is unreasonable and may violate consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Mr.Cooper Loan XXXX XXXXXXXX Research Reference ID # XXXX On XXXX, I XXXX XXXX became the successor on a mortgage loan for the estate of my deceased mother XXXX XXXX. I took over the payments until the sell of her home. I recently sold her home in XXXX. Closing date was on XX/XX/XXXX. 
Mr.Cooper took a payment of {$1400.00}, 2 days prior to closing on XX/XX/year>. After closing Mr.Cooper tried returning the payoff to the title company XXXX XXXX 
They were disputing the payoff amount. Which was actually less than the amount paid. 
XX/XX/year> - {$180000.00} the demand good was then updated on XX/XX/year>. 
The amount {$180000.00} was posted on XX/XX/year>. 
On XX/XX/XXXX Mr Cooper took another payment for the amount of {$1400.00}. 
I contacted Mr Coopers research dept, and asked for a refund for both payments. I was told I would receive refunds with 20 days prior. 
On Monday XX/XX/year> I received XXXX separate checks. XXXX in the amount of XXXX cents and the second check in the amount of {$35.00}. 
I have not cashed these checks, and I still have them in my possession. I will not cash them because I fear its Mr coopers way of settling the transaction without a full refund to me.

I would like help to resolve this issue, so that I may settle the estate of my mother and finish the probate process. 
This company has been non cooperative, and refuses to talk to me, or the title company about these issues. 
Which is why Im filing this complaint. 
These lenders should not be able to take money, when the mortgage has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a documented victim of identity theft. XXXX is reporting multiple fraudulent accounts to the credit bureaus in my name. I have provided XXXX with a valid FTC Identity Theft Report ( FTC Report # XXXX ) and a police report documenting the identity theft. I have also filed a formal consumer complaint with the XXXX XXXX XXXX Department of State regarding this matter. 

I formally disputed these accounts with XXXX and provided all required documentation. In a recorded phone call, I also requested basic verification of the alleged debts ( IP address, device used, merchant details, last XXXX digits of payment method, and transaction dates ). XXXX refused to provide this information while continuing to report the debts. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX sent me a written response stating that their decision was final and that they would continue to report the debts unless I provided additional new evidence despite already having full legal notice of identity theft. 

XXXX is now knowingly reporting debts that are the result of identity theft, in violation of FCRA Section 623 ( a ) ( 6 ), and has failed to conduct a reasonable investigation as required under FCRA Section 623 ( b ). I am also invoking my rights under FCRA Section 605B and have submitted formal block requests to Experian, XXXX XXXX XXXX continued reporting of these fraudulent debts is causing me material harm, including the inability to obtain essential student loan financing for my education. 

I request that the CFPB take action to enforce XXXX  compliance with the FCRA and require immediate removal of these fraudulent accounts from my credit reports.

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 2025-06-11 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: GA

Complaint narrative:
For the past XXXX years I have been working diligently to remove inaccuracies on my credit report. In the beginning I started to handwrite most of my letters as I got frustrated with the nuisance these bureaus love to do, by proclaiming that they don't believe these said letters were officiated by me. So, now my letter are typed and sent with copies of my current driver 's license, and a bill to reflect my residency matches what's on my license as well as it should match on my report. One of the biggest discrepancy on my file is by way of an old " XXXX XXXX '' account with a balance reflecting of {$500.00}. I will include with this dispute screenshots showing the discrepancies when it was formally being collected by a debt collector, along with what Equifax is proclaiming of a whopping XXXX late payments, then on another screenshot it will reflect how that does not match at all to what Experian is proclaiming for a total of XXXX late payments. The case and point is I requested that Equifax, Transunion, and Experian shows proof of these late payments by submitting to me all statements and or statement reflecting these alleged late payments. If they can not furnish that to me within 30 days, then I demand that the entire account is removed from my credit report as they know it is inaccurate and goes against the FCRA. I am also going to include yet again a copy of my drivers license so that they'll know it's me and a copy of the what I love to call their " stall '' letter dated XX/XX/XXXX will be included with this dispute. Another error on Equifax part for this same account, on Experian it shows CO ( charge off 's ) since XXXX what's odd is that Experian is showing nothing reported for XX/XX/XXXX, but when it pertains to Equifax it's reflecting that this same account showing " OK '' for XX/XX/XXXX as if payment was submitted and the account was fine. I'm curious as to what payment Equifax is showing for a charged off account and can they show proof of that too? In conclusion even the closing date for this account I am disputing, you'll be able to show it's reflecting XX/XX/XXXX that this acct was closed per " Experian '' but somehow both Transunion and Equifax have the dates of XXXX of this year as last activity shown for this same charged off account. These are the undermined tactics that these bureaus are doing to consumer 's like me and I'm sick of it. Inaccurate reporting has affected my livelihood for many years and I will stop at nothing to ensure that across the board the information on my files is accurately reporting up to date, and matches for all XXXX bureaus or it must be removed its as simple as that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXREPORTING INFORMATION ON A CONSUMERS CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVEXXXX ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACYXXXX RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNTS FROM MY CONSUMER REPORT NOXXXX LATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-11 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 2025-06-11 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/year>, I made a payment of {$620.00} using my XXXX debit card ending in XXXX, intending to pay off my PayPal Credit account. Synchrony Bank admits they received this money but say it was added to my PayPal balance, not applied to my PayPal Credit account.

I never received a refund, the money was not used, and it is no longer in my PayPal balance. I provided screenshots and transaction documentation, and Synchrony sent multiple denial letters that continue to confirm I funded my PayPal account but they wont tell me where the money went.

Ive contacted PayPal and Synchrony numerous times by phone and got nowhere. Ive also responded to Synchronys requests for documentation and still received denials.

I am now being told to pay the {$620.00} again, even though the funds are in their system somewhere. That is not acceptable, and I do not have the money to pay a second time for something that is clearly their systems failure.

I am asking that this be resolved immediately by applying the original {$620.00} to my PayPal Credit balance or refunding the funds, and that all collections activity and credit reporting be stopped. 

Attached are : The denial letters from Synchrony The original proof of payment My statement showing the transaction Synchrony has acknowledged the funds were received but is not taking accountability for where they went. Please help resolve this.

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