vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: IA

Complaint narrative:
XXXXTo Whom It May Concern,\nI am writing to formally dispute and demand the immediate removal of theXXXXXXXXfollowing fraudulent accounts and inquiries from my credit report due to identityXXXXtheft. These accounts were opened without my consent, and I am invoking my rightsXXXXunder the Fair Credit Reporting Act (FCRA) to have these items promptly removed.XXXXI am also writing to formally notify you that I am a victim of identity theft and request theXXXXimmediate blocking and deletion of all fraudulent accounts or information related to theXXXXidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach ofXXXXmy personal information through the Equifax data breach, which has exposed my\nsensitive data to unauthorized individualsXXXXThe following fraudulent accounts and inquiries have been identified as a result of thisXXXXbreach: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX, I purchased a used vehicle from XXXX and financed it through Bridgecrest, which XXXX presented as an independent third-party loan servicer. Only later did I learn that Bridgecrest is owned by XXXX XXXX XXXX, the same parent company as XXXX. This means the dealer, the lender, and the servicer were all part of the same corporate structure, despite being represented to me as separate entities. This relationship was never clearly disclosed and created a conflict of interest that affected both the financing and the resolution of problems with the car. 

When the vehicle was delivered, it had serious safety issues that would not have passed a New York State inspection, including worn brakes and rotors. I reported these problems immediately, and XXXX arranged a repair. However, the repair was not properly done and resulted in ongoing damage, including progressive clearcoat failure on the roof. XXXX never resolved these issues despite repeated attempts to contact them at the time. 

On the financing side, Bridgecrest did not clearly disclose that interest on my loan accrued daily, significantly increasing the cost of borrowing. The daily accrual mechanism was not highlighted in any meaningful way, and the loan was marketed as a standard simple-interest auto loan. Because the vehicle required repairs from day one and I was trying to resolve defects that XXXX had caused, I was placed in a disadvantaged positionthe loan balance continued to grow while I was attempting to address problems that existed before I ever drove the vehicle. 

At no point did XXXX or Bridgecrest explain that they were part of the same corporate family under XXXX, nor how that relationship affected the structure of the financing or the servicing of the loan. I refinanced the loan in XXXX with a legitimate third-party lender at 3.5 %, which substantially reduced the interest I was paying. This refinancing made it obvious how inflated and costly the Bridgecrest loan had been, especially considering that the high APR and daily interest accrual were not clearly communicated upfront. 

Overall, the lack of disclosure, the misrepresentation of Bridgecrest as a separate and independent servicer, the unclear presentation of daily interest accrual, and the substantial defects with the vehicle itself all contributed to financial harm and forced me to refinance just to mitigate ongoing costs. I am filing this complaint because the combined conduct of XXXX, Bridgecrest, and XXXX appears deceptive, confusing, and harmful to consumers, and I was never given accurate or complete information at any stage of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Issue : Unauthorized access, fraudulent purchases, account takeover A third party gained access to my XXXX/Affirm/XXXX  account without my permission and made multiple fraudulent purchases using my saved card information. These transactions total around {$5000.00}. The items were shipped to addresses in Alabama, while I live in Georgia and did not authorize or receive any of these goods. Some purchases included hotels and online orders from XXXX and XXXX. 

This is a clear case of both account takeover and unauthorized card use. I originally filed disputes on XX/XX/XXXX, but the company has not provided adequate updates or resolution. I am requesting : 1. A full fraud investigation 2. Reversal of all unauthorized transactions 3. Freezing of the account during the investigation 4. Removal of any negative reporting, late fees, or collection activity From approximately mid February to August, multiple unauthorized transactions were made through my XXXX/Affirm/XXXX  accounts by a third party who gained access to my login information without my permission. These purchases totaled approximately {$5000.00}. The items were not ordered by me and were shipped to addresses in Alabama, while I live in Georgia and did not receive or benefit from any of the goods or services. Some of the fraudulent purchases included online orders from XXXX and XXXX, as well as hotel bookings. 

I reported the fraud to each company on XX/XX/XXXX and explained that someone accessed my account and used my stored card information without authorization. Despite filing the disputes, I have not received a proper resolution, written update, or case number confirming that the issue is being addressed. The accounts have not been paused, and the companies continued to show balances and activity related to the fraudulent charges. 

This situation involves both unauthorized account access and unauthorized card use, and I am requesting a full investigation and removal of all fraudulent transactions. 

I did not authorize these purchases, I did not benefit from them, and none were shipped to my address or made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: SC

Complaint narrative:
I am a victim of identity theft and I am disputing fraudulent and inaccurate information on my Equifax, transunion, experian credit file. My name is XXXX XXXX ( reported by Equifax as XXXX XXXX XXXX XXXX ), and I have already mailed Equifax, transunion, experian a full dispute packet by certified mail, including ID, proof of address, my Equifax, transunion, experian report with the fraudulent items circled, and an FTC/police Identity Theft Report. 

Specifically, I am asking Equifax, transunion, experian to block and delete identity-theftrelated tradelines under FCRA 605B, including all XXXX XXXX collection accounts ( and any entries tied to prior XXXX XXXX or XXXX accounts XXXX and any other items I identified as fraud. I also requested correction of my identifying information ( to report XXXX XXXX as my primary name ), deletion of inaccurate former addresses, and reinvestigation of any hard inquiries made without a permissible purpose. 

I believe Equifax, transunion, experian and XXXX XXXX are not complying with their duties under the FCRA ( including 605B, 605A, 604, 609, 611, 623 ), Regulation V, and, for XXXX XXXX as a debt collector, the FDCPA. I am asking the CFPB to require Equifax, transunion, experian and any furnishers ( including XXXX XXXX ) to : ( 1 ) block, delete, and correct all identity-theftrelated and unverifiable information ; ( 2 ) remove any impermissible hard inquiries ; ( 3 ) provide me with documentation they relied on to verify any remaining items; and ( 4 ) issue an updated Equifax, transunion, experian report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
On XX/XX/year>, I made payment for XXXX Balance. It was cleared from XXXX  XXXX XXXX. The XXXX  XXXX XXXX has confirmed the payment went through. I have confirmation. Date of payment clearance XX/XX/year> XXXX XX/XX/year>, I made payment for XXXX XXXX. It was cleared from XXXX  XXXX XXXX on XX/XX/XXXX and I have confirmation. 
XXXX  XXXX XXXX employee, has confirmed over recorded line, that there is no any problem with clearing these two payments. 
Moreover, both payments are shown on my mortgage balance sheet of Shellpoint mortgage servicing as Received on XX/XX/XXXX and XX/XX/XXXX respectively and Principal amount at {$380000.00}. However, there is also a suspicioous ( I would say fraudulent activilty ) on the balance sheet of my mortgage account with adding and subtracting balances for XXXX and XXXX payment periods. This fraudulent balance sheet activity results in the balance of the Principal Amount back to the original in amount of {$380000.00} as if NO payments were never made. 
As of XX/XX/XXXX. The balance shows payment as if made zero payments, however we made two payments, each of {$3000.00} and XXXX  XXXX XXXX confirmed these payments fully posted and cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
Lender has been unable to validate debt! XXXX  and other bureaus are displaying this creditors information on all three credit reporting agencies different! all have different information and when i dispute with XXXX  and TransUnion and XXXX  they all immediately deny the dispute claiming debt was validated!!! when i have not received any letters and or emails regarding this debt XXXX  has no matching information as well. XXXX  also has refused to honor any of my disputes regarding 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Re : Request for Debt Validation Account # Dear, I am writing in response to a notice I received regarding the above-referenced account. I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the debt ; 2. The name of the original creditor ; 3. Proof that you are legally authorized to collect this debt ; 4. Documentation showing I am legally obligated to pay this debt ; 5. Copies of any contracts or agreements bearing my signature ; 6. The date of the alleged debt and the date of last payment. 

Until you provide the requested validation, you must cease all collection activities on this account, including reporting it to credit bureaus. 

Please send all correspondence regarding this matter to me in writing at the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hard inquiries that appear on my credit report and that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681b, a data provider or credit reporting agency may only obtain or provide a credit report if there is a permissible purpose authorized by law.

15 U.S.C. 1681b ( f ) specifically states that no person may obtain a credit report without a permitted purpose. Since I did not apply for credit with any of these entities nor provide any consent, these inquiries constitute unauthorized access to my credit information. 

The following unauthorized inquiries must be removed immediately : XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 I am exercising my right under 15 U.S.C. 1681i to request an immediate investigation, as these inquiries did not have a permissible purpose for reviewing my credit report. I request that the credit bureaus involved conduct the appropriate investigation and immediately remove these inquiries from my 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 explanation
Consumer complaint received 2025-11-23 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:
Hard inquiries that appear on my credit report and that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681b, a data provider or credit reporting agency may only obtain or provide a credit report if there is a permissible purpose authorized by law.

15 U.S.C. 1681b ( f ) specifically states that no person may obtain a credit report without a permitted purpose. Since I did not apply for credit with any of these entities nor provide any consent, these inquiries constitute unauthorized access to my credit information. 

The following unauthorized inquiries must be removed immediately : XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 I am exercising my right under 15 U.S.C. 1681i to request an immediate investigation, as these inquiries did not have a permissible purpose for reviewing my credit report. I request that the credit bureaus involved conduct the appropriate investigation and immediately remove these inquiries from my 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 2025-11-23 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the consumer financial protection act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ). I requested that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ACCT. # {$810.00} OPENED XX/XX/year> REPORTED XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: IA

Complaint narrative:
I am filing this complaint because multiple credit bureaus have failed to remove fraudulent accounts from my credit reports despite my submitting a valid FTC Identity Theft Report and formal FCRA disputes. 

The following accounts were opened without my authorization and are the direct result of identity theft : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX submitted disputes to the credit bureaus along with my FTC Identity Theft Report and supporting evidence. However, the bureaus have not complied with their obligations under FCRA 605B and 611, including the requirement to block fraudulent information and properly investigate disputes. These accounts remain on my reports, causing significant harm, inaccurate reporting, and financial damage. 

These entities continue to report fraudulent information even after being notified of the identity theft and receiving documentation. Their failure to block, delete, or properly reinvestigate violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Somebody fraudulently opened an account with XXXX cellular unauthorized by me and I explained to them as clearly as I could that it was not me and I have a identity theft claim from a few years back that can show I already told IRS I was a victim of that so now they're trying to come back after me with the new debt collection agency claiming I owe them anything I still haven't received the itemized statement or the original contract showing that it was me and them who had done business together that's a violation of the consumer code and laws

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I got a text saying someone used my XXXX bank debit card to make a purchase at a XXXX # XXXX for {$240.00}. The Text said click Y or XXXX for no if you did not make this purchase. I clicked no. Then another text came and said representative the bank will be contacting you. I then got a phone call from an XXXX number and the man told me he represented XXXX XXXX  and that my account has accessed by an outside illegal entity and I should transfer as much money to another bank account immediately before they can take more of my money. I told him I had another bank with XXXX  XXXX XXXX  but said I needed a debit card to be used at ATM machine in XXXX where I was going to look at real estate. The man walked me through how I can call Wise and immediately open a digital debit card with Wise and transfer my money into that debit card From XXXX XXXX. Gave me all the steps to open a digital card which I did by texting Wise Bank. I opened the card immediately. He tried to convince me to send all my money there so the bad guys could not take it Out of my XXXX account. Instead I transferred {$1200.00} From XXXX and I already had {$500.00} in the Wise account. He got me to read him the number of the new wise XXXX cloud so he could verify it would not be tapped. Unfortunately I gave him that card number since he was very intense on telling me I will lose my money otherwise, if he did not check the wise account number .. Once I gave him the number within XXXX minutes {$1200.00} was taken out in small chunks to XXXX various companies. When I immediately checked my wide digital account and saw this I quickly froze that digital debit card. It stopped pulling money and left {$500.00} remaining in the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: OH

Complaint narrative:
I am filing this CFPB Complaint to report separate fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include : XXXX. A personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX. XXXX. A collection account opened at XXXX insurance on XX/XX/XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
This complaint is a result of my frustration in dealing with XXXX companies XXXXXXXX XXXX and Cash App. I have attempted to resolve this issue for over a month and it is still not resolved. This is my third time corresponding with cash app and chase bank to locate missing funds that was returned by chase bank to Cash app on XX/XX/year>. This chase account ending in ( XXXX ) was a closed account preventing the transaction to be accepted in result being returned immediately below is an example of my funds being returned in the amount of {$350.00} however the money was never recovered leaving me with many questions as to why I wasnt able to access it back in my account. 
Transaction time XXXX XXXX XXXX Reference # XXXX trace # XXXX Cash app Original ID # XXXX

Company response to consumer: Closed with explanation