vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX months ago i was checking my credit report and i noticed accounts that not my i never used and never get any benefit from

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently applied for a credit card with Wells Fargo to take advantage of a balance transfer offer. I have great credit. On the day I applied my online XXXX score showed at XXXX, with XXXX and XXXX at XXXX. When I received my denial letter, it showed my XXXX was actually XXXX. ( Another bank 's denial showed my XXXX score to be XXXX!! 

If I can't get credit with scores this good, who can?

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 2025-03-04 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:
On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : XXXX XXXX XXXX - XXXX - XXXX - {$5700.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.

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 2025-03-04 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:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2025-03-04 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-04 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-04 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV sold me information to XXXX, and I was trying to buy a car, and this company has had this inaccurate information on my credit report for several years. I paid XXXX to get it off my credit report and it still stayed after XXXX sent me a settlement letter. I contacted LVNV and they stated they sold the account to Resurgent. Resurgent paid for accounts that I do not owe. I do not owe any XXXX XXXX account, and I do not owe any LVNV accounts. 
Now LVNV is stating that I owe XXXX XXXXXXXX for a ten-year-old account in which I do not owe them. This document attached is proof of how fraudulent LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have tried on numerous occasions to communicate with Affirm Inc. regarding their fraudulent account. I have also filed a complaint with the Federal Trade Commission against them. 

I also spoke with Affirm Inc. on XX/XX/XXXX, regarding an account that was opened on XX/XX/XXXX. I went on their website to file a dispute to show that the account was opened at a time when I was XXXX XXXXXXXX. As stated previously, I was XXXX XXXX until XX/XX/XXXX. ( Documents enclosed ) I was told that the account was verified as mine. How could I have opened an account with them at a time when I was XXXX. 

Affirm Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Partial Acct. XXXX I have included my original disputes with this company along with a copy of my XXXX XXXX papers. I respectfully request that this company be investigated for failing to honor my request that the account information be removed from my credit report because it is fraudulent and damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
Honda Financial Services, hereafter referred to as HFS. 

The timeline of my troubles with HFS Car purchase - XX/XX/XXXX Purchase Honda Accord from XXXX XXXX for {$30000.00} ; - {$10000.00} payment day 1, {$20000.00} 5 year loan from HFS ; - Start making monthly payments by paper check ; Negative credit notification - XX/XX/XXXX - Set up my internet account with HFS in order to make electronic payments ; - Make a mistake configuring the automatic payment facility ; - Miss three payments due to my mistake ; - HFS : XX/XX/XXXX Late Payment Fee Assessed {$15.00} ; - HFS : XX/XX/XXXX Late Payment Fee Assessed {$15.00} ; - HFS : XX/XX/XXXX Late Payment Fee Assessed {$15.00} ; - XX/XX/XXXX, realize my mistake, make 3 payments to get back into loan conformance ; - Around this time HFS makes a negative event notification to the credit agencies ( The don't notify me. I find this out later. ) ; - XX/XX/XXXX, make last of 5 year monthly payments ; - HFS does not make a positive credit event notification to the credit agencies ; No courtesy warning - Prior to the negative credit notification HFS does not do 5 things : ( 1 ) Send a courtesy warning letter to my home address of 30 years ; ( 2 ) Send a courtesy warning to my longstanding email account ; ( 3 ) Call or text me a courtesy warning ; ( 4 ) Send an elctronic message to my HFS internet account ; ( 5 ) Call the XXXX XXXX salesman, whom I bought the car from and with whom I had a good relationship, to give me a heads-up ; - Both HFS and XXXX XXXX had all my information to make courtesy notifications to me before gouging my credit, but they did not do so. 


My fault I should have followed up with HFS to verify the automatic payment facility was configured properly and that the payments were making their way to HFS accounts. Guilty. 

Still I am Honda 's customer. 30 years now. Bought first car from XXXX in XXXX. All my maintenance has been done at XXXX XXXX, even oil changes. 
I have been riding Honda 600cc sport bikes for 30 years. First a XXXX XXXX XXXX and currently a XXXX XXXX. 

I guess I am naive ; my expectations of Honda were too high. 
Our longstanding customer relationship means nothing to HFS or to the XXXX XXXX dealership. Credit gouging from HFS and surly treatment from XXXX XXXX service reps. Very disappointing. 


Good news I am not alone. I have company. 

Some XXXX more victims of HFS wrongs : CFPB Orders Hondas Auto Financing Arm to Pay {$12.00} XXXX for COVID-19 and Other Credit Reporting Failures Auto lender wrongfully reported Honda and XXXX drivers as delinquent https : //www.consumerfinance.gov/about-us/newsroom/ cfpb-orders-hondas-auto-financing-arm -to-payXXXX-for-covid-19-and-other-credit-reporting-failures/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$460.00}

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 2025-03-04 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:
Follow-Up on Dispute Regarding Inaccurate Reporting of XXXX  XXXX Account ( Account No. XXXX ) Reference CFPB Complaint # XXXX Dear Sir/Madam, I am writing to follow up on my previous dispute submission, which was sent to you on XX/XX/year>, regarding the inaccuracies related to my XXXX  XXXX credit account ( Account Number : XXXX ). The complaint outlined several violations of the Fair Credit Reporting Act ( FCRA ) and requested that corrective actions be taken to address these discrepancies. 

To date, I have not received any formal acknowledgment of my dispute, nor have I been informed of any updates or corrections made to my credit report. As per my original letter, the inaccuracies I reported are in violation of 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1681c, and I requested specific corrective actions and compensation for these violations. 

I kindly ask that you immediately provide the following : A written confirmation of the actions you have taken to resolve the reported discrepancies on my credit report, including the correction of any inaccurate account statuses, delinquencies, and outdated information. 
A clear explanation of the steps you have taken to ensure that my credit report accurately reflects the current status of my XXXX XXXX account. 
Compensation in the amount of {$5000.00} for the five separate violations identified in my initial letter, as outlined in the Fair Credit Reporting Act. 
Please note that I expect a response within 15 days of receiving this letter. If the necessary corrections are not made within 30 days from the original dispute submission, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering legal remedies to recover damages. 

I appreciate your prompt attention to this matter and look forward to receiving a resolution soon.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following account is inaccurate ( XXXX ), they are strictly in violation of 15 U.S Code 1601b verbatim in its entirety. This is harming my credit worthiness with these false claims. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND this account to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :

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 2025-03-04 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: MD

Complaint narrative:
Equifax continues to report inaccurate personal information on my report and are refusing to change the inaccurate information. Additionally and moreover, Equifax is now engaging in the unlawful and illegal practices of not updating the consumer credit report monthly. In some instances, Equifax is reporting account balances before payments are due for the month so that they can carry a higher balance from a prior month and report higher credit usage. For example, Equifax reported on XX/XX/year> my XXXX XXXX balance from the prior month for which payment was not due until XX/XX/year>, resulting in the report of an inaccurate higher account balance. As a result of this practice, I am being reported at a much higher usage rate of 68 % which in actuality is at 25 %, which is negatively impacting my credit score and my ability to secure a loan at a reasonable interest rate. It is XXXX/XXXX/XXXX, however, Equifax is still reporting an inaccurate balance from XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My inquiry to the County Recorders of Deeds and U.S. Bankruptcy Course confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor this distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. I need all tax lien and bankruptcy information currently showing my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Equifax Credit Bureau needs to provide me with copies of all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted closely monitoring my credit file. Per the Federal Law you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: CT

Complaint narrative:
I recently reviewed my credit reports and noticed that I have a duplicate name XXXX XXXX XXXX which is inaccurate also address XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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