vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under Metro 2 compliance guidelines, including all data fields and condition codes.

Midland Credit Management account because the original creditor information and charge-off details are inaccurate. The last activity date differs across bureaus, and the reporting does not align with FCRA standards. Please provide validation or remove the account if it can not be verified. 

Account Name/Number : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2021 Nature of Dispute : Nature of Dispute : This account is reflected as a collection tradeline on XXXX  yet it is completely absent from XXXX  and XXXX.

Such inconsistency creates data integrity issues, violating FCRA 607 ( b ) which requires furnishers to provide complete and accurate information.

Metro 2 compliance standards mandate uniformity across all CRAs to ensure parity in consumer data reporting.

If a collection is valid and verifiable, it must be reported equally across all CRAs, or else it misrepresents the consumer 's financial history.

Partial or selective reporting may also constitute unfair or deceptive practice under Dodd-Frank Act 1036, particularly if it results in disparate impact on the consumers creditworthiness.

The account is missing from XXXX  and XXXX  : Suggests selective or incomplete furnishing Violation of FCRA 602, DoddFrank Act ( UDAAP provisions ), and equal data furnishing standards This may indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I discovered XXXX fraudulent Affirm Inc accounts that were reported by Affirm Inc. to my XXXX  credit report. The reports were as follows : {$150.00} opened XX/XX/XXXX {$170.00} opened XX/XX/XXXX {$510.00} opened XX/XX/XXXX {$200.00} opened XX/XX/XXXX {$150.00} opened XX/XX/XXXX {$650.00} opened XX/XX/XXXX {$200.00} opened XX/XX/XXXX {$990.00} opened XX/XX/XXXX On XX/XX/XXXX, I filed a fraud dispute with Affirm. On XX/XX/XXXX, I received an email from Affirm Customer Care Department who identified themselves as XXXX. The email read Thank you for contacting Affirm. Good news is that your information you provided has no active accounts associated with the information you provided. ( This information would be my personal information I sent in the dispute form. ) Having. Received the investigation email from Affirm clearly confirming no accounts associated with me proves the information they reported was incorrect and they should have removed the XXXX fraudulent reported accounts. Well Affirm didnt remove anything. 
So, on XX/XX/XXXX I filed a dispute with Experian and provided the confirmation email sent to me by Affirm confirming those accounts are not associated with me. On or around XX/XX/XXXX, XXXX  responded with a final report indicating that they allegedly contacted Affirm with my documentation and that Affirm response was that XXXX of the XXXX accounts they confirmed were mine and that they removed XXXX of the XXXX accounts. 
Following the XXXX  report I contacted both XXXX  and Affirm by phone directly to ask for discovery on proof of how credit was obtained, what information was used, what bank accounts was used, what items were purchased, location where the items were purchased or delivered to and requested information of how they verify people 's information is true and accurate. Unfortunately, neither Affirm or XXXX  was able to help me resolve these issues. No proof or documentation of how credit was obtained in my name. I later field a police report and the detective at that police department attempted to serve a Grand Jury subpoena however according to the police report the subpoena was unable to be served. according to the detective. It was suggested to seek a civil attorney for litigation however, I am trying every option before doing so. So at this point this is my last option to communicate with Affirm to make this right and remove these accounts from my credit report as they have already confirmed in an email that the accounts are not mine. With the tons of complaints against Affirm I'm not sure why there has not been a class action lawsuit yet, but if this doesn't work I will be obtaining an attorney for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern : I write to respond to LVNV Funding LLCs communication dated XX/XX/year>, regarding CFPB Case # XXXX and the related court matter ( Docket # XXXX ). 

Their response contains significant misrepresentations and omissions that I must correct : 1. Contrary to their claim that no funds have been garnished, the Plaintiff initiated a bank levy on my savings account on or about XX/XX/year> and funds were indeed withdrawn from my account. This levy directly caused financial hardship, leaving me unable to pay rent and basic necessities.

2. LVNV Funding has never provided proof that this is my debt. Despite multiple written requests, they have failed to produce : A signed contract or agreement obligating me to pay this alleged debt.

A full, detailed accounting showing how the balance grew from the alleged {$840.00} to over {$1000.00}.

3. LVNV continues to report this account to the credit bureaus and has even increased the balance on my report despite ongoing disputes, in potential violation of the Fair Credit Reporting Act ( FCRA ).

4. In their CFPB response, they claim they take compliance seriously, yet they mischaracterized the levy, failed to validate the debt and continue to pursue collection without producing evidence of their legal right to collect. 

I respectfully ask the Court ( and CFPB ) to note these false statements and require LVNV Funding LLC to : * Provide documented proof of the alleged debt and their right to collect it. 
* Account for all amounts added to the balance. 
* Acknowledge the levy and return exempt funds improperly taken. 
* Cease reporting inaccurate information to the credit bureaus. 

LVNV Fundings disregard of their legal obligations under the FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ) is concerning, and I ask that appropriate action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
In XXXX, I entered into a vehicle loan agreement with Bridgecrest for a used XXXX XXXX XXXX. Since then, I have paid over {$17000.00} toward the vehicle. Despite this, my account still reflects a past-due balance and continues to accrue charges and interest, pushing me deeper into debt. 

I submitted a formal demand letter to Bridgecrest on XX/XX/XXXX, requesting : A release from the predatory loan, A refund of overpaid funds, A detailed breakdown of how the debt has ballooned, and a stop to further negative reporting on my credit report. 

I also filed a complaint with CFPB on XX/XX/XXXX, yet Bridgecrest has ignored my certified letter and continued to send escalating payment notices while failing to directly address my concerns. I was misled, denied further warranty support for mechanical failures, and have been charged excessive interest with no clear justification. 

This is a case of Predatory Lending, Lack of Transparency, and failure to properly respond to formal consumer disputes. I am now seeking immediate intervention, removal of this account from my credit, and legal relief in small claims court for funds paid in excess. 

I have also been trying to reach out to XXXX XXXX, an Agency Specialist at Bridgecrest, and have not received any call backs or follow-up communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WI

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Several inquiries have appeared on my credit report without my consent or knowledge. I took the proper steps and submitted a formal dispute to Experian, requesting supporting documentation that would justify the presence of these inquiries. I asked specifically for proof of authorization or any record indicating I granted permission. However, I have not received a single response or document from the bureau. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX The companies listed above are also detailed in the attached dispute letter I previously submitted. These were not authorized by me, and since no valid proof has been shared, I am turning to the CFPB to ensure this matter is taken seriously and that my rights as a consumer are respected.

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 2025-07-22 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-22 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: Netspend Corporation
State: SC

Complaint narrative:
On XX/XX/year>, I received a NetSpend XXXX in the mail. I did NOT sign up for this account and see no mention of it on my credit report. When I called the number on the back of the card ( XXXX ), to inquire why I had received this card, there is no way to talk to a person to get information. I was trapped in phone message purgatory. I was able to cancel/close the account, which was my desired outcome, however, I am concerned as they were just able to open an account in my name. I have put a freeze on my credit report, just incase.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: CO

Complaint narrative:
I financed {$2200.00} through Healthcare Finance Direct to pay for clear aligners from XXXX. My treatment was abruptly halted when XXXX shut down operations in XXXX, leaving me without customer support, dental contacts, or the promised follow-ups such as retainers and refinements. I now have unresolved dental issues and face potential additional out-of-pocket expenses to complete or correct my treatment. 

When I attempted to pay off the remaining balance of {$21.00}, the payment portal blocked me from making any payments and displayed an error message saying payments can not be made to my account. I called their support number multiple times, but only received a recorded message about XXXX closure, with no live assistance. 

Additionally, on XX/XX/2025, Healthcare Finance Direct attempted to charge me {$91.00} without my authorization despite my account being effectively closed and my efforts to resolve the balance. 

I have tried to contact the company for resolution but have not received assistance. I am requesting a full refund of {$2200.00} due to incomplete treatment, reversal of any unauthorized charges, correction of my credit report to reflect the incomplete service, and confirmation that my account is closed with no further collections or negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
This is an update to my complaints filed previously : I reject the " dispute closure '' as invalid, since the core issue ( Synchrony failing to pay XXXX ) hasnt been addressed. 
The " disputed charges '' to HDMs non-payment, is linked to Synchrony, not II did not refuse to pay Synchrony ; I'm demanding Synchrony forward payments to the vendor.

I demand documentation of Synchronys " investigation '' and HDMs " proof ''.

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 2025-07-22 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: HI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: HI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief