vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am unaware of this debt LVNV FUNDING LLC ACCOUNT # XXXX, and did not have the opportunity to dispute the account. if you believe you sent proper notification, please provide certified mail with receipt of my signature. If not, please delete this account from my report as soon as possible, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
This is my 3rd time contacting EQUIFAX. about updating my personal information. EQUIFAX Is reporting XXXX DIFFERENT ADDRESES on my credit report. I only have one address and that is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I only live here and receive mail here. I always have. anything else is an error or fraudulent and Equifax needs to remove it I have also attached my social security card and Identification AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: DC

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 Address  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} Inquiries XXXX  Date : XX/XX/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 2025-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm Inc. Is reporting to Experian an fraudulent account that was opened without my knowledge on XX/XX/year> and at that time and date I XXXX XXXX XXXX was incarcerated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX. I provided documentation proving I was at XXXX at the time this account was opened also other supporting documents proving my personal information was compromised by XXXX XXXX XXXX. Etc. I provided a XXXX XXXX Police report # XXXX and XXXX. XXXX badge # XXXX and BCPD phone # XXXX you have to pay to get the full detailed report and I should not have to pay for this police report when I am the victim of the identity theft and fraud. I have requested Affirm Inc. To remove this fraudulent account # XXXX multiple times also I requested Experian remove this fraudulent account which they have not. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : 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 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 XXXXXX/XX/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 2025-05-27 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: IL

Complaint narrative:
Please block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I initiate or approve them. Pursuant to USC 1681g, I am requesting their removal within 15 days. Ive included relevant documents for your reference. Its important to note that the account details being reported differ from bureau to bureau and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This is the third attempt to get monies I am owed from American Honda Finance Corporation. This is a follow up to the following complaints : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Details : I purchased a XXXX year extended warranty from " XXXX '' aka American Honda Finance Corporation on XX/XX/XXXX. This warranty was for my XXXX XXXX XXXX XXXX motorcycle. It was to be effective from XX/XX/XXXX until XX/XX/XXXX. I sold the motorcycle it covered XXXX months into the extended warranty and submitted a cancellation request on XX/XX/XXXX. I submitted the request to the dealership where I purchased the bike. XXXX months later I still had heard nothing back from XXXX. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX after XXXX failed to refund my money. The XXXX  informed me on XX/XX/XXXX that they made several attempts to contact XXXX and those attempts were ignored. Honda Finance never responded to the XXXX XXXX XXXX. 

I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/XXXX, XXXX responded on XX/XX/XXXX. The representative stated a check was in the mail. 

The check arrived, however, I had been short changed. I filed a second complaint with the CFPB. XXXX responded to the complaint stating that they made an error in the calculations- they had used the date the sales manager contacted them asking about the delay not the cancellation. XXXX stated that the error happened because I submitted the cancellation to an auto dealership rather than a XXXX  dealership. That statement is disingenuous. I submitted the request to the XXXX  dealership where I bought the motorcycle. This is why the sales manager contacted them a second time to ask what was going on. 

A representative from XXXX left voicemail on XX/XX/XXXX apologising and promising to send the money I am owed. It is now XXXX months later and I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am unaware of this debt NCA ACCOUNT # XXXX, and did not have the opportunity to dispute the account. if you believe you sent proper notification, please provide certified mail with receipt of my signature. If not, please delete this account from my report as soon as possible, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the 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 consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
I received an email from XXXX XXXX + Openbank ( from Santander ). If I opened an account and deposited {$30000.00} in their high yield savings I would save money on my XXXX phone bill. I opened an account online where I was asked how much money I wanted to transfer. I stated {$30000.00} ( in order to receive the maximum discount from XXXX ). The online form stated that I needed to verify my account for the transfer first. So I set up verification. Once the accounts were verified I initiated a transfer, which unbeknown to me was considered a second transfer. I now have 2 transfers of {$30000.00}, with the second transfer being refused because of insufficient funds. Openbank is putting the responsibility on me to deal with the fees for insufficient funds, when in fact I never started the second transfer. Customers should be aware of that issue when they open an account. I spoke to a manager at Openbank who told me that there is nothing they can do.

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 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I currently have XXXX accounts with Newrez mortgage. I successfully complete the Assumption process on my primary marital home after a divorce proceeding. I Closed on that Assumption process on XX/XX/year>, therefore removing my ex-wife 's name and responsibility from the account. 
My ex-wife was in the beginning stages of executing the same Assumption process on our 2nd property also held by Newrez. Apparently Newrez mistakenly removed her name off of the 2nd property and NOT the Assumed property as was supposed to happen! She can no longer access the account to pay the monthly mortgage, NOR can she continue with the Assumption of the property. And because she was removed from the wrong property, she still is listed on my Assumed property that I now solely own. This was a blatant major mistake on the part of this company and we can not get any help to rectify this mistake. We have both been trying for a couple months to get some satisfaction with this & trying to correct their mistake.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-27 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: TX

Complaint narrative:
I want to emphasize that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing ongoing harm to my financial health and personal well-being. During these challenging times, correcting or removing these inaccuracies would be a meaningful and much-needed resolution.

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 2025-05-27 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: GA

Complaint narrative:
I've submitted multiple certified letters to Equifax containing all necessary documentation related to disputed information on my credit report. This included identifying information, a written statement of dispute, copies of relevant documents, and a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. The letters were delivered and received, yet Equifax failed to conduct a reasonable reinvestigation or provide a timely response. 

In addition, I have submitted a previous complaint through the CFPB regarding the same matter. Equifax has repeatedly responded by requesting the same information I have already submitted both through CFPB channels and via certified mail. This cycle of redundancy appears to be a deliberate evasion of their legal obligation to conduct a reinvestigation within the required time frame. 

These actions may constitute the following violations : FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information within 30 days. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to promptly notify the furnisher of the dispute and provide relevant information. 

FCRA XXXX ( a ) ( XXXX ) : Failure to notify me of the results of the reinvestigation and provide a copy of the revised credit report. 

FCRA XXXX ( a ) ( XXXX ) : Failure to provide a description of the procedure used to determine the accuracy and completeness of the information. 

FCRA XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report. 

XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Engaging in unfair or deceptive practices in connection with consumer financial products or services. 

Equifaxs actions demonstrate not only a pattern of neglect but a potential willful noncompliance with federal law, which may expose them to statutory damages under FCRA XXXX if violations are found to be willful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-27 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the 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 consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/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 2025-05-27 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: CA

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief