vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that my auto loan contract for a XXXX XXXX XXXX ( XXXX : XXXX ), financed through American Honda Finance Corporation and executed through XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), was completed using an electronic signature I do not recall authorizing or providing. 

I never received a request, link, or authentication process to review or sign this contract. All the signatures on the contract appear identical, which suggests a stored or auto-applied e-signature was used without my knowledge or proper consent. 

On XX/XX/XXXX, I visited the dealership and formally requested : The e-signature XXXX XXXX showing when, how, and by whom the contract was signed. 
A copy of the credit application submitted in my name. The dealership refused to provide either unless I get an attorney. This response raises serious concerns of fraud, forgery, or misrepresentation. I have since contacted Honda Financial and formally disputed the legitimacy of the contract. Ive requested documentation verifying that I actively participated in the signing process and consented to it but have not received that information as of now. 
In addition They added extra fees to the base price of the vehicle, claiming they were non-negotiable, without clearly explaining them. 

They pressured me into placing a down payment before I had a chance to review any contracts or financing terms. 

They strongly urged me to finalize the sale before I was ready, rushing the process and making me feel uncomfortable. 

When I declined certain add-ons, they gaslighted me and kept pushing back against my decisions, making it difficult to say no and confusing me about whether I had a real choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 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 non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I am writing to formally dispute several accounts that were fraudulently opened in my name as a result of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ), and my FTC Identity Theft Report number is XXXX & XXXX & XXXX. 
The following accounts were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to block fraudulent information resulting from identity theft. Additionally, I am requesting that these accounts be deleted from my credit report in accordance with the protections provided under the FCRA, specifically under Sections 605B and 609 ( e ), which allow victims of identity theft to have fraudulent information removed from their credit file. I kindly request that you investigate this matter and take the necessary actions to ensure these fraudulent accounts are removed from my credit report. Please confirm receipt of this letter and inform me of the next steps.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: NJ

Complaint narrative:
This complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my life. I demand a thorough investigation and the prompt correction or removal of all inaccuracies. Resolving this issue is critical and non-negotiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wallet was stolen out of my car during XXXX weekend and it was used at a local gas station for the amount of {$44.00}. I filed a claim with Wells Fargo the day I realized my wallet was missing that had my debit card in it. I was given credit back for the fraudulent charge and it was investigated. Today ( XX/XX/year> ), the credit I was given was reversed and they said they believed my claim was false and denied it. I called the Claims Assistance Center and was told that it was denied because the people that stole my debit card used the chip in the transaction and there is no possible way to counterfeit that. I detailed about how my wallet and card were stolen after my car got broken into, so they had the physical card and I did not have it. After providing the representative with more information and describing how I had a police report for the stolen wallet and evidence that it was a fraudulent transaction, because of time stamps of where I was that night, she said that her higher ups declared that it was still invalid and they were going to proceed with the denial and I would not be receiving the money that was stolen from me back and would not receive any more help from the bank.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been a victim of identity theft and have completed an FTC Identity Theft Report, which is attached along with my government-issued ID and proof of address.

I am requesting the immediate blocking and permanent removal of the following fraudulent addresses and accounts from my Experian credit report : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXXXXXX | Charged Off | {$8500.00} XXXX XXXX XXXX XXXX | XXXX | Charged Off | {$19000.00} XXXX XXXX XXXX | XXXX | Serious Delinquency ( 30150 Days Late ) XXXX | XXXX | XXXX Open Accounts | Past Due Balances : {$3600.00}, {$6200.00}, {$1500.00} | 120 Days Late XXXX XXXX XXXX XXXX ( XXXX XXXX ) | XXXX | {$2600.00} in Collection I did not open or authorize any of these accounts or use these addresses. They were reported without my permission and are the result of identity theft. 

In accordance with FCRA 605B, I am exercising my right to request that these accounts and addresses be blocked from appearing on or being reinserted into my credit file. I have attached all required documentation. 

Please ensure Experian complies within the 4 business day window as required by federal law. 

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this complaint under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). I have been a victim of identity theft and have completed an FTC Identity Theft Report, which is attached along with my government-issued ID and proof of address.

I am requesting the immediate blocking and permanent removal of the following fraudulent addresses and accounts from my Experian credit report : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXXXXXX | Charged Off | {$8500.00} XXXX XXXX XXXX XXXX | XXXX | Charged Off | {$19000.00} XXXX XXXX XXXX | XXXX | Serious Delinquency ( 30150 Days Late ) XXXX | XXXX | XXXX Open Accounts | Past Due Balances : {$3600.00}, {$6200.00}, {$1500.00} | 120 Days Late XXXX XXXX XXXX XXXX ( XXXX XXXX ) | XXXX | {$2600.00} in Collection I did not open or authorize any of these accounts or use these addresses. They were reported without my permission and are the result of identity theft. 

In accordance with FCRA 605B, I am exercising my right to request that these accounts and addresses be blocked from appearing on or being reinserted into my credit file. I have attached all required documentation. 

Please ensure Experian complies within the 4 business day window as required by federal law. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX - I filed disputes with XXXX XXXX XXXX, and LVNV Funding LLC c/o Resurgent Capital Services , in regards to an alleged collection account which appears on my credit reports in the amount of {$590.00}. I requested account deletion as the debt was invalid. There was no proof demonstrating that this debt was/is the responsibility of XXXX XXXX XXXX , it had major reporting inaccuracies across all reporting credit agencies. This is a major FCRA violation to which only XXXX  acknowledged. 

XX/XX/XXXX- XXXX  deletes the LVNV Funding LLC account in question from my credit file. XXXX  and XXXX  have not done so yet ; even when being told to do so two more times. 

XX/XX/XXXX - I mailed a cease and desist letter and a request for proof of debt to LVNV Funding, demanding that they stop reporting this account on my credit file and/or to provide proof of ownership. This was NOT received by me. Note - Since XX/XX/XXXX I have only received an invoice/account summary, and a credit card bill from LVNV Funding LLC c/o Resurgent Capital Services L.P This is not adequate proof that XXXX XXXX owns this

debt . Nor does it prove that he is responsible to pay for it.

XXXX  and XXXX  have not done manual investigations. This is being demanded by me next. This account must be removed.

LVNV Funding LLC c/o Resurgent Capital Services must stop reporting this invalid and inaccurate collection/debt account on my credit file at once. I informed them that I would contact the CFPB, the FTC, and my state 's attorney general if this was not resolved within 30 calender days. As of today, XX/XX/XXXX this account is still being reported inaccurately and in violation of the law on credit file with XXXX  and with XXXX.

I request an investigation and enforcement of the law by the CFPB, to protect my consumer rights. This is having negative consequences on my financial health.

These reporting errors materially misrepresent my credit profile and violate FCRA requirements for maximum possible accuracy, specifically in violation of FCRA 15 U.S.C. ss 1681e ( b ).

Attached you will find all letters, receipts of dates, and other proof of documentation to help you to enforce this demand.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Legal Liability and Damages for Non-Compliance If this incomplete and inaccurate information is not removed or corrected as per FCRA requirements, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Pursue legal action against the furnisher and credit reporting agencies under : 15 U.S.C. 1681n Willful noncompliance ( Statutory damages up to {$1000.00} per violation, plus punitive damages ).

15 U.S.C. 1692k FDCPA violations ( Actual damages, statutory damages up to {$1000.00}, plus attorney fees ).

Additionally, I am sending this letter via certified mail to protect my rights and document your response.

Final Demand I expect written confirmation within 30 days verifying that these accounts have been permanently deleted from my credit file. Additionally, I demand an updated copy of my credit report reflecting this removal, and that you send a copy of the updated report to all who inquired on my credit in the last 6 months.

Furthermore, I am keeping a careful record of your actions, including your Method of Verification ( MOV ). I do not consent to XXXX or any means of automated verification. 
Failure to comply will result in immediate escalation, including legal and regulatory action. 
Thank you, Sincerely, XXXX XXXXXXXX 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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Company debt collection agency ( XXXX XXXX XXXX  ) hired law firm ( Andreu and Palma ) to collect on a debt, they are violating fdcpa laws by adding additional expenses with the debt. I contacted the law firm on XX/XX/year> and was advised they would be adding additional fees to my debt. I attempted to resolve the debt fairly ; but was advised of the extra fees of approximately {$350.00} to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Probate Advance Holdco, LLC
State: NY

Complaint narrative:
In early XXXX, I was approved by Probate Advance for a {$50000.00} inheritance advance. I received an initial disbursement of {$35000.00}. The remaining {$15000.00}, referred to as a holdback, was promised to be released once internal conditions were met. 

Over the past several weeks, I have made repeated requests for the release of my remaining {$15000.00}. I was told that the only issue preventing release was verification of my current residence. I provided a signed letter from the head of my household verifying my address, as requested. Despite this, the company has delayed processing the funds, failed to respond to emails and texts in a timely manner, and has shifted explanations several times. I was also asked if I wanted to take out a second advance, which I declined. I am now being asked for additional documentation ( e.g., a utility bill or government ID with my new address ), which I can not provide at this time. 

These ongoing delays are putting me in financial hardship, especially as Ive used the initial funds to purchase a vehicle and now have recurring payments. I have acted in good faith, met every request made, and provided all documentation asked for, yet the company has not fulfilled its obligation to release the rest of my funds. Their handling of this matter appears unprofessional and evasive. 

I am requesting immediate release of the remaining {$15000.00} as originally agreed.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm a victim of Fraudulent activity I request to have these inquiries to be removed under section 605B and 609 FCRA. Please block remove the following inquiries.

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: CA

Complaint narrative:
I'm writing to dispute inaccurate and unacceptable information that has appeared on my credit report. After carefully reviewing my file, I noticed an entry that is completely incorrect, and I am demanding that it be fully investigated and removed immediately. 

This particular item is either outdated, misreported, or was added without proper verification. In some cases, entries like this result from clerical errors, identity mix-ups, or worsefraudulent activity. Whatever the cause may be, I had no involvement in or knowledge of the action that led to this listing, and it absolutely does not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
SANTANDER has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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