vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
Affirm is reporting multiple fraudulent accounts on my credit reports and failed to properly investigate or validate the accounts under the Fair Credit Reporting Act ( FCRA ). 

The following Affirm loans appeared on my credit reports and were disputed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not open or authorize any of these loans. My personal information was compromised in a data breach, and these accounts were opened fraudulently using my identity. 

I filed disputes with Affirm and also filed an FTC Identity Theft Report. Affirm responded under Case ID XXXX, but their response was generic and did not include any actual validation documents. They claimed that IP addresses, devices, and purchasing patterns matched, but provided no supporting evidence at all. 

Affirm failed to provide : the original signed loan applications identity verification records device or IP logs merchant checkout/authorization data delivery verification any authentication confirming I opened these loans Despite the identity-theft claim, Affirm continues to furnish these accounts to the credit bureaus without proper investigation or validation. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 623 ( b ) failure to conduct a reasonable investigation FCRA 605B identity theft blocking requirements FCRA 607 ( b ) duty to assure maximum possible accuracy Affirm is reporting fraudulent tradelines that do not belong to me, and their denial letter did not address any of the evidence I provided. 

I am requesting CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Subject : Urgent Complaint Midland Credit Management / Midland Funding To : CFPB Consumer Complaint Portal Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Midland Credit Management ( MCM ) and Midland Funding, LLC regarding a credit card debt issued by XXXXXXXX XXXX XXXX XXXX 

Despite multiple requests, MCM/ Midland has refused to provide full debt validation, including : Proof of the chain of assignment from XXXX XXXX XXXX  to Midland Funding The original account contract Complete payment history Documentation of any changes in balance Instead, they provide only generic letters claiming validity and have lied in writing regarding the debt and their authority to collect. 

I am concerned that MCM/ Midland may be : Misreporting this debt to credit bureaus Attempting collection on post-bankruptcy or time-barred debt Violating the FDCPA ( 15 U.S.C. 1692 et seq. ), FCRA ( 15 U.S.C. 1681 et seq. ), and Missouri consumer protection laws ( Chapters 407 & 408 ) Requested Action : I request that the CFPB : Investigate MCM/ Midlands collection practices immediately. 

Require full documentation proving their legal authority to collect this debt. 

Ensure that any inaccurate reporting or improper collection actions are corrected or removed from my records. 

Timeline : I request that this matter be fully addressed within 7 days due to the ongoing harm caused by MCM/ Midlands actions. 

Supporting Documentation : Attached are all correspondence with MCM/ Midland , including validation requests, generic letters, and proof of false statements. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit reprt and saw that they were inquiries that do not belong to me on there.

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 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am a MOHELA borrower. Ive worked for the XXXX XXXX XXXX since XXXX. My loan should have been forgiven/discharged, but MOHELA failed to process it. They continued reporting incorrect balances to the credit bureaus, which has lowered my credit score. I have contacted MOHELA multiple times with no resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
I requested written repayment information from Advance America, including a breakdown of my balance, payoff amount, fees, and any hardship or repayment options. They have repeatedly refused to provide this information in writing and continue telling me to call instead. I can not handle this matter by phone and need written documentation to manage my account responsibly. 

I am not refusing to pay. I am trying to continue payments, but without written information I can not make informed decisions. I have asked multiple times, and they are refusing to give the required information. I need the balance breakdown and repayment options in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We refinanced our vehicle in XXXX with another bank. They issued the check to Ally. XX/XX/XXXX, I was told the vehicle is showed as paid off. The check sent by the bank we refinanced with included interest for 30 days. We also had to make a car payment with Ally on XX/XX/XXXX after they received the check from the other bank, so theres definitely an overpayment. We were told it takes 21 business days from the pay off date for them to research and check for the overpayments. I called again and was told that the pay off date is marked as XX/XX/XXXX and to give it 21 days from then. I spoke to someone on Saturday who said a refund is being issued but he couldnt verify the amount or when it will be mailed but to give it 7-10 business days. He also stated the pay off date as XX/XX/XXXX. Today, the representative said there is nothing showing yet about an overpayment and its still being researched and that my pay off date is listed as XX/XX/XXXX. He also stated it takes 30-60 days from pay off for them to issue an overpayment refund. Ive received conflicting information multiple times. Im just waiting for my overpayment refund and it seems as though no one has any idea whats going on and all the information they have is conflicting each other. 

The check issued by the bank we refinanced with was for {$39000.00} and was sent on XX/XX/year>. We made a payment on XX/XX/year> of {$1100.00}. 

Upon logging in to Ally now, it says- {$1000.00}. If this is the refund of overpayment amount, that makes no sense considering the check from XXXX that was issued included the payoff amount along with 30 days of daily interest. We also made a full payment of {$1100.00}. So we should at the very least be receiving a refund on the amount we paid on that last payment. There should also be a few days of daily interest refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-11-25 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ND

Complaint narrative:
After receiving a letter from the collection agency notifying me of a collection attempt, I sent a dispute letter via certified mail on XXXX. I then received multiple calls on XXXX. When I called them back, I spoke to someone whom was very rude and stated they had not yet received my letter, but would put it in my file that I was verbally disputing the alleged debt. After going back and forth with me about me telling him this is not my obligation, we concluded. I have had no further correspondence with them since. Within my formal dispute letter I sent them, I requested they send me proof and verification this belongs to me, they cease all collection attempts including reporting or continuing to report this account to any credit reporting agencies, and if they have already reported it, they must state that the debt is in dispute. Ive received nothing from them. 
XXXX : The collection has officially been reported to XXXX, ignoring all of my requests and infringing my legal rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
CFPB COMPLAINT NARRATIVE : I enrolled in Honda Financial Services ' XXXX  automatic payment system, scheduled to withdraw payments three days before each due date. In XXXX and XX/XX/year>, Honda 's system misapplied my automatic payments ( arbitrarily as told to me by an XXXX person on the phone ) to sales tax instead of my monthly lease obligation, causing those months to be reported as delinquent. 
I was not effectively notified of this error. Honda left a voicemail on a landline I don't monitor ( XXXX ) rather than my primary cell phone, and I did not immediately open mailed statements since my payments were automatic. 
When I discovered the issue in XX/XX/year> by my bank, I immediately contacted XXXX and a representative confirmed the system had misapplied my payments to sales tax. I paid the outstanding balance ( approximately {$1500.00} ) over the phone immediately to bring the account current. 
On XX/XX/year>, I sent Honda a formal goodwill letter explaining that this delinquency resulted from THEIR system error, not my failure to pay. I requested removal of the negative credit reporting as appropriate given that their system caused the problem. 
Honda responded on Monday XX/XX/XXXX stating only that " the information is accurate '' and they have " an obligation to report correctly. '' This response is inadequate. While it is technically true that payments were late, Honda 's response ignores the fact that the delinquency was caused entirely by THEIR automated system misapplying my scheduled payments. I fulfilled my obligation by enrolling in automatic payments ; Honda 's system failed to process them correctly. 
The negative reporting has caused my credit score to drop from the XXXX to barely XXXX. This does not accurately reflect my creditworthiness or payment history. 
I am requesting that Honda Financial Services remove the negative credit reporting for XXXX and XX/XX/year> from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Let me start by saying I had a great relationship with my bank just the situation upset me so. So I had citizens bank for about a year 1-2 years loved it. We I bought XXXX XXXX concert tickets to see her and I bought what I thought was VIP. Day of concert I get no itinerary and had to go to the venue. Im in the system for vip the manager of the event had to find my badges everything went wrong. And I missed a lot of stuff. Well when I got home I filed a dispute because no. So I was issued a provisional credit for the tickets I submitted my badge and wristlet and even the screenshot from the company email confirming me etc. they came back in 90 days saying no issues founded. And reversed the credit. I tried several times working it and redisputing it but all came back to me having to pay. I refused the account closed and I cant have a new one until I pay. And I should have to I was already lost one experience. I hated the ruined relationship over it

Company response to consumer: Closed with monetary relief