vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
FCRA Dispute & Notice of Non-Compliance ( 15 U.S.C. 1681o Negligence ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Formal Dispute of Inaccurate Information & Notice of Negligent Non-Compliance under 15 U.S.C. 1681o To Whom It May Concern : I am writing to formally dispute and request immediate correction of inaccurate information being reported about me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my consumer report. 

The following item ( XXXX ) being reported are inaccurate, incomplete, or can not be verified : Creditor/Account Name : Midland Credit management Account Number : XXXX XXXX MCM account # XXXX Reason for dispute : Poof that this is my account. 

I request that you conduct a reasonable reinvestigation of this information as required by 15 U.S.C. 1681i, and delete or correct the item ( s ) if you can not verify them with documented evidence.

Notice of Negligent Non-Compliance ( 15 U.S.C. 1681o ) You have a legal obligation to maintain and report accurate information. Failure to comply with the FCRAincluding failure to properly investigate disputesconstitutes negligent non-compliance under 15 U.S.C. 1681o, which entitles me to : Actual damages Attorneys fees Court costs If you fail to correct or delete the disputed entry, or if you continue to report inaccurate information after receiving this notice, such action will be considered negligent non-compliance, and I will be prepared to pursue all legal remedies available to me. 

Supporting Documents Included I have enclosed the following documents to assist with your investigation : Copy of my ID Copy of my proof of address Copies of documents supporting my dispute ( if any ) Request for Results Please provide me with : Written confirmation of the reinvestigation The method and results of the investigation Notice of any corrections or deletions made An updated copy of my consumer report You are required to complete your reinvestigation within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention. I expect full compliance with federal law. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: ID

Complaint narrative:
On or around XX/XX/XXXX, I noticed an unfamiliar account from LVNV Funding on my credit report. I did not recognize this account, so on XX/XX/XXXX, I mailed a written request for verification of the debt. I never received any verification or response, and shortly afterward the account was removed from my credit report. 
On XX/XX/XXXX, I received a letter stating that my wages would be garnished for this same alleged debt. I immediately contacted the company and informed them of my XXXX verification request. I was told by a representative named XXXX ( ID # XXXX ) that they would look into the matter, place a hold on the account, and that the garnishment would not proceed until verification was provided. I again requested copies of any verification, validation, or supporting documents for this alleged debt. 
Despite this, my wages began being garnished two days later, and as of today, I still have not received any form of verification or documentation showing that this debt is valid or that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX FL XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Validation of Alleged Debt / Dispute of Collection Account To Whom It May Concern : I am contacting you regarding the collection account you have listed under my name. This letter serves as a formal dispute of the alleged debt and a request for full validation, pursuant to my rights under federal law. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that you provide the following : Additionally, reporting an unverified or inaccurate debt to any credit reporting agency violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until this alleged debt is properly validated, you must : Cease all collection activity, as required under 15 U.S.C. 1692g ( b ).

Cease reporting the account to any credit bureau, or if it has already been reported, mark it as in dispute as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Please note that failure to comply with federal law may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX XXXX XXXX XXXX XXXX 
You are further notified that all future communication must be made in writing only. 
I request your full compliance within 30 days of receiving this letter. If you can not provide proper validation, you must immediately delete this account from all credit reporting agencies and cease any further collection efforts. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: WV

Complaint narrative:
IDENTITY THEFT DISPUTE LETTER ( NO POLICE REPORT REQUIRED ) Under 15 U.S.C. 1681c-2 Request to Block Fraudulent Accounts & Date : XXXX To : Experian, Equifax, Transunion Re : Identity Theft Request to Block Fraudulent Inquiries and Accounts Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am submitting a formal request under 15 U.S.C. 1681c-2 to block and permanently remove all fraudulent inquiries and accounts appearing on my credit report. I am a victim of identity theft, and I did not authorize the items listed below. 
As required by federal law, I am providing : - My FTC Identity Theft Report - My government-issued identification - Proof of current address These documents are sufficient under the Fair Credit Reporting Act. A police report is NOT required. 
FRAUDULENT HARD INQUIRIES TO BE BLOCKED Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT COLLECTION / DEROGATORY ACCOUNTS TO BE BLOCKED - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment History LEGAL REQUIREMENTS UNDER 15 U.S.C. 1681c-2 Once you receive my FTC Identity Theft Report, ID, and proof of address, you must : 1. Block the fraudulent information within 4 business days.

2. Notify the furnishers of the block.

3. Prevent reinsertion unless certified as accurate.

4. Provide an updated credit report showing all fraudulent items 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 2025-11-16 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: WV

Complaint narrative:
IDENTITY THEFT DISPUTE LETTER ( NO POLICE REPORT REQUIRED ) Under 15 U.S.C. 1681c-2 Request to Block Fraudulent Accounts & Date : XXXX To : Experian, Equifax, Transunion Re : Identity Theft Request to Block Fraudulent Inquiries and Accounts Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am submitting a formal request under 15 U.S.C. 1681c-2 to block and permanently remove all fraudulent inquiries and accounts appearing on my credit report. I am a victim of identity theft, and I did not authorize the items listed below. 
As required by federal law, I am providing : - My FTC Identity Theft Report - My government-issued identification - Proof of current address These documents are sufficient under the Fair Credit Reporting Act. A police report is NOT required. 
FRAUDULENT HARD INQUIRIES TO BE BLOCKED Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT COLLECTION / DEROGATORY ACCOUNTS TO BE BLOCKED - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment History LEGAL REQUIREMENTS UNDER 15 U.S.C. 1681c-2 Once you receive my FTC Identity Theft Report, ID, and proof of address, you must : 1. Block the fraudulent information within 4 business days.

2. Notify the furnishers of the block.

3. Prevent reinsertion unless certified as accurate.

4. Provide an updated credit report showing all fraudulent items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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:
I requested validation for a collection account from lvnv funding LLC. The account was removed on XX/XX/year> however added back to my credit profile with no validation or notification of the item being reinserted. Im requesting this item be permanently removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Netspend Corporation
State: WA

Complaint narrative:
Okay this lady named XXXX in XXXX wa stole my original card in the first place and that she spent my loan money on it then I loved in XXXX  and went to the bank ( ATM machine ) and found out that I have XXXX XXXX on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The XXXX interest promotional balance. They are not listing your promotional balance expire date before interest charged. I had to call them. If missed they would make money on interest this is very unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRINGOAKS XXXX. XXXX XXXX XXXXXXXX XXXX XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : SPRINGOAKS - XXXX - 15 USC 1681b permissible purpose of consumer reports- Please delete immediately. 

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 

FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN XXXX  DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 



WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XX/XX/year> EXPERIAN Experian P.O. XXXX XXXX XXXX, TX, XXXX Re : Request for Validation of Alleged Debt / Dispute of Collection Account To Whom It May Concern : I am contacting you regarding the collection account you have listed under my name. This letter serves as a formal dispute of the alleged debt and a request for full validation, pursuant to my rights under federal law. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that you provide the following : Additionally, reporting an unverified or inaccurate debt to any credit reporting agency violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until this alleged debt is properly validated, you must : Cease all collection activity, as required under 15 U.S.C. 1692g ( b ).

Cease reporting the account to any credit bureau, or if it has already been reported, mark it as in dispute as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Please note that failure to comply with federal law may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals Office.

You are further notified that all future communication must be made in writing only.

I request your full compliance within 30 days of receiving this letter. If you can not provide proper validation, you must immediately delete this account from all credit reporting agencies and cease any further collection efforts. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX  - XXXXXXXX XXXX XXXX  - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
They financed {$10000.00} in the end ( $ XXXX down, $ XXXX financed, tax and tags $ XXXX OTD ) on a used motorcycle. Payoff was supposed to be early XXXX. Asked for proof of payments. They sent me the proof proving that I paid them OVER {$10000.00}. They claim I owe them a grand total of over {$20000.00}. Thats a 100 % interest rate, which is crazy and not what I agreed to. They refuse to issue title and have placed my bike for repossession. They hired a repossession company with aggressive tactics such as placing tree mounted Flock LPR ( License Plate Reader ) cameras outside the entrance to my neighborhood, driving by my home several times a day, and hiring a private investigator who is calling people from my past that I havent spoken to in over 25 years. Not to mention, they watch my bank accounts like a hawk trying to build a report showing all the places I visit daily. ( Im referring to who they hire, I dont personally believe XXXX  is doing this themselves as far as skip tracing, but they do hire the ones who do ). They gave me $ XXXX, they got over $ XXXX back in payments. All I want is the title and my bike and we go our separate ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
MASTER CREDIT FREEZE REQUEST LETTER For All  Credit Bureaus & Secondary Reporting Agencies Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Subject : REQUEST FOR IMMEDIATE SECURITY FREEZE ON ALL CONSUMER FILES To Whom It May Concern : I am submitting this formal request for a full security freeze ( also known as a credit freeze or file freeze ) to protect my consumer information from unauthorized use, fraud, or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) and all applicable state laws, you are required to place a security freeze on my consumer file upon request. 

Please ensure that : No third party may access my consumer file No new accounts may be opened in my name No soft or hard inquiries may be performed No credit extensions may be viewed without my express written authorization Please provide written confirmation of the freeze and my PIN/password needed to temporarily lift or remove the freeze. 

Below is my identifying information for verification : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX REQUEST SUMMARY I am requesting : Immediate application of security freeze Written confirmation of the freeze PIN/password for lifting the freeze Removal of access by unauthorized parties If additional identity documents are required ( ID, utility bill, etc. ), please notify me. 

CERTIFICATION I certify that this request is made by me, the owner of the consumer identity listed above. Please process this freeze promptly in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont remember what date it was, but I know it was two weeks ago from today and I still cant login. Its saying that my last four of my social and my birthday do not match at first. It was my telephone number. I still couldnt login then I had seven hard inquiries from a car dealership that was dirty and Im looking to remove some of those another thing is I can not login why

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