vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 
I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-08-10 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: CBC Companies, Inc.
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was a high inquiry from Navy Federal that keeps a payment on my account and Im trying to get it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After 9 disputes, the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced Metro 2s technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data.

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits. 

This isnt a mistakeits willful, harmful, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax  XXXX XXXX XXXX XXXX, GA. XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : FTC Identity Theft Affidavit Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am writing pursuant to my FTC Identity Theft Affidavit to formally dispute and demand the immediate deletion of the following fraudulent accounts from my Experian, Equifax, and TransUnion credit reports : Regional Acceptance {$15000.00} XXXX XXXX XXXX  {$890.00} XXXX {$660.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} I recently learned that my identity was stolen, and the perpetrator fraudulently obtained credit, goods, and services in my name, including a credit card, a cell phone, insurance, and an apartment. These accounts were opened without my knowledge, authorization, or consent. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, and 1681s-2, you are required to block and delete all information resulting from identity theft within 4 business days of receiving proof of my identity theft report. Under the Fair Debt Collection Practices Act ( FDCPA ), any attempt to collect on fraudulent debt is prohibited. 

Furthermore, based on my research, my personal information was part of both the Equifax Data Breach and the National Public Data Breach, which further substantiates that I am a victim of identity theft. 

I have enclosed copies of my FTC Identity Theft Affidavit, police report, and proof of identification. Please provide written confirmation once these accounts have been permanently deleted from my credit file. 

Failure to comply will result in my filing formal complaints with the CFPB, FTC, and my State Attorney Generals office. 

Sincerely, 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 2025-08-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
my name is XXXX XXXX i got approved for my XXXX and the money was sent to my money network card but i have not received the card i was told by XXXX that all my money was sent to my card but i did not receive my card at all the card was sent to wrong address because of this someone stole all my benefits off my card i called money network filed a fraud report i also wrote and signed my wet signature on a letter to them last week i emailed to letter to XXXX i was told i needed to write this letter within the XXXX XXXX to receive a provisional credit I'm a single mom and now I'm facing eviction due to this theft of my benefit 's please can you help me as i never even received a card at all from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
On XX/XX/XXXX, I was paying a bill using my XXXXXXXX XXXX EFT and noticed several transactions that I did not make. All were made to XXXX a XXXX XXXX in a total of XXXX. I contacted my XXXX to inform them of the illegal transactions and they stopped them since the EFT 's did not take effect until the evening. Bank changed my acct number and my pw and login infor and told me to notify XXXX about the fraudulent transactions. Before contacting XXXX, I changed my XXXX account login pw, added 2FA for login security, and removed all credit card and bank acct infor on my kraken acct. I tried contacting by phone and a recording said to submit an email. Ticket XXXX was issued and initial email stated their security team would get back to me. Since XX/XX/XXXX I have received emails stating they are still looking into this and lately they have threatened me to pay the XXXX for the fraudulent transactions I did not make and if I do not correct this discrepancy they will notify debt collection. I have records indicating activity intitiated in XXXX XXXX by someone who was able to access my XXXX  account move money from a money market acct to my checking acct and used those funds to purchase BITCOIN crypto currency then withdraw it the same day and use a XXXX XXXX account to receive the money. How can a company allow you to purchase something and withdraw it legally without having actual funds in their possession, as I said above my bank had not offically transferred the EFT so I was able to stop the process but now XXXX is wanting their money for someone's illegal activity. 
I did have an account with XXXX which I purchased XXXX worth of BITCOIN back in XX/XX/2025, but have not touched or dealt with the acct since then. In the documents you will see that transaction is still pending for withdrawal in the amount of XXXX which makes no sense since it was already paid for 6 months before and if any transaction should be allowed to be withdrawn that one should have been the one, but just like the others I did not make them

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Cease and Desist Notice Pursuant to 15 U.S. Code 1692c To Whom It May Concern : I am writing to formally demand that you cease all communication with me regarding the alleged debt referenced in your recent correspondence.

Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease all further contact with the consumer except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or Notify the consumer that the debt collector intends to invoke a specified remedy. 

Be advised that any further communication from your agency, outside the exceptions listed above, will constitute a violation of federal law and will be documented for potential legal action. I am aware of my rights under the FDCPA and will not hesitate to report any continued contact to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and, if necessary, pursue legal remedies under 15 U.S. Code 1692k, which provides for actual damages, statutory damages, and attorneys fees. 

This notice serves as a formal request to immediately cease all communications with me, including but not limited to : phone calls, letters, emails, or any form of electronic communication. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-08-10 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: DE

Complaint narrative:
I am writing to formally dispute the following accounts on my credit file, as they are inaccurate, unauthorized, unverifiable, or discharged debt under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 : The 12 accounts are listed on a separate document if XXXX of XXXX accounts are still being reported this applies. 
Please delete or block the unverified debt accounts and update my credit report accordingly. 
Please note, reinsertion of any of these disputed accounts without proper verification is a violation of the FCRA and will result in legal action. 
Enclosed are copies of supporting documentation, including 1099-C and 1099-A forms and prior dispute communications. 
Please provide written confirmation of the results of your reinvestigation within the timeframe required by law. 

Also I have attached a settlement letter regarding my first round dispute.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I had a line of credit opened in my name through Citizens Bank. It used my social security number but the multiple addresses and phone numbers used were different than mine. When I first called and opened a claim they told me I would hear back in XXXX business days. Its been XXXX weeks and I havent heard anything. I called again for them to tell me they could not help me or provide me anything because the phone numbers didnt match.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt. 

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan. 

If you can not provide proof that this account is valid and belongs to me, you must immediately remove it from your records and notify all credit reporting agencies to delete it from my credit file. 

I have never had any dealings with FAIR COLLECTIONS & OUTSOURCING, and the continued reporting of this account is causing harm to my credit profile and personal reputation.

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 2025-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, my contractual HELOC  payment was withdrawn via XXXX from my bank account on or near the due date. Shellpoint Mortgage Servicing failed to credit my HELOC payments as of the date received, in violation of XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) ( TILA ). They then repeatedly applied/reversed entries for months before finally completing the postings. This created artificial delinquency and inaccurate credit reporting. 

The most extreme examples as evidenced by Bank Withdrawal Statement, Payment History Report Downloads from ShellPoint Website : XX/XX/XXXX XXXX Bank withdrawal : XX/XX/XXXX o Shellpoint activity : Multiple partial applications, reversals/unapplied entries and funds were held and not applied as completed payment across XX/XX/XXXX XX/XX/XXXX o Final completed posting : XX/XX/XXXX 146 days after the due date. 
XX/XX/XXXX XXXX Bank withdrawal : XX/XX/XXXX o Shellpoint activity : Multiple partial applications, reversals/unapplied entries and funds were held and not applied as completed payment across XX/XX/XXXX XX/XX/XXXX o Final completed posting : XX/XX/XXXX XXXX  days after the due date. 
XX/XX/XXXX XXXX Bank withdrawal : XX/XX/XXXX o Shellpoint activity : Multiple partial applications, reversals/unapplied entries and funds were held and not applied as completed payment across XX/XX/XXXX XX/XX/XXXX o Final completed posting : XX/XX/XXXX XXXX  days after the due date. 
XX/XX/XXXX XXXX Bank withdrawal : XX/XX/XXXX o Shellpoint activity : Multiple partial applications, reversals/unapplied entries and funds were held and not applied as completed payment across XX/XX/XXXX XX/XX/XXXX o Final completed posting : XX/XX/XXXX XXXX  days after the due date. 

Actions I took : Between XX/XX/XXXX and XX/XX/XXXX, I contacted Shellpoint multiple times by phone and email, providing bank statements showing timely withdrawals and Shellpoints own payment histories I had downloaded showing differing payment histories in XXXX versus XXXX along with held/reversal activity. 
I submitted written disputes with supporting documentation. 

Companys actions : ShellPoint representative spoken with in XXXX tried to tell me I had a variable interest HELOC, which is why I was charged additional fees, despite the fact that my HELOC agreement clearly states I have a fixed rate. 
ShellPoint closed my HELOC so I could not access my line of credit ShellPoint acknowledged my disputes but did not correct payment application or remove inaccurate credit reporting. 
Produced inconsistent payment histories, then changed the payment histories ( between XX/XX/XXXX vs XX/XX/XXXX versions ) showing altered posting dates/entries and extended held periods.

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 2025-08-10 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CarMax, Inc.
State: AL

Complaint narrative:
On XXXX XXXX XXXX CarMax Auto Finance falsely opened and reported an account in my name without my knowledge or consent. This fraudulent account has caused me deep emotional distress, damaging my credit and my peace of mind. I have never authorized or signed for this account, yet it continues to haunt my financial life. The betrayal and harm from having my identity misused in such a way has been overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 currrently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 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: MS

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Washer and Dryer services do not work properly. This merchant overcharged me for services that were not provided. 

This merchant is a business washer and dryer vendor. I use the services each week but I am not receiving the services provided when I pay for the service. The washer and dryers work when they want to. No one has came to look, resolve, or repair the issue. I reached out to the merchant but they consistently tell me different things. I requested for the XXXX refund but it was denied after the rep told me originally it was approved.

Company response to consumer: Closed with explanation