vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against Affirm regarding their handling of a dispute for counterfeit merchandise purchased through XXXX and financed with an Affirm loan. 

The item I purchased was a XXXX XXXX XXXX XXXX that arrived with multiple objectively verifiable signs of being counterfeit. Specifically, the hardware contains a round, fully engraved metal XXXX XXXX XXXX XXXX XXXX which XXXX XXXX has never used on any authentic XXXX model. Authentic bags use a plain, unengraved horseshoe-shaped ring. This is a manufacturing impossibility for a genuine XXXX XXXX item. 

I also provided Affirm with : 1. A third-party authentication certificate from XXXX identifying the item as a REPLICA ( counterfeit ). 
2. Photographic evidence of the engraved hardware and other construction flaws.

3. Documentation of seller misconduct, including contradictory statements, stalling, and eventual blocking.

4. A written explanation of the counterfeit indicators, including incorrect hardware plating, zipper assembly, glazing, and XXXX chip irregularities. 

Despite this evidence, Affirm denied my dispute and stated that the merchant provided compelling evidence that the dispute is invalid. Affirm did not explain what this compelling evidence was, nor did they address the objective hardware discrepancies or the professional counterfeit determination. 

I believe Affirm failed to properly investigate my claim. Under Regulation Z of the Fair Credit Billing Act, consumers are protected when merchandise is : Not as described Fraudulent Counterfeit Or when merchants refuse to resolve the issue Counterfeit merchandise is illegal to sell, and consumers are not required to complete payment for counterfeit goods. The merchant ( XXXX seller ) refused to resolve the issue, and XXXX dismissed my case without addressing the hardware evidence. 

Affirm has effectively forced me to pay for counterfeit merchandise, in violation of my rights under the Fair Credit Billing Act. I am requesting that the CFPB require Affirm to : 1. Reopen and properly investigate my dispute, 2. Apply Regulation Z protections, 3. Remove my responsibility for the loan, and 4. Issue a correction acknowledging the dispute was mishandled. 

I am happy to provide : The counterfeit authentication certificate, Photos of the hardware inconsistencies, The seller messages, My communications with XXXX, And Affirms decision notice. 

Thank you for reviewing this complaint. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am writing to dispute the following accounts and inquiries that I believe are inaccurately reported on my credit report. Below, I have listed the details of the accounts, inquiries, and late payments for your review. Please find them separated by each bureau : Experian ( EX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX  XXXX Account Number : 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 2025-12-04 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: TX

Complaint narrative:
This correspondence is intended as my formal objection to the listed accounts. I did not approve or establish them and have no affiliation with them. I request immediate removal and proper review. Documentation accompanies this notice.

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 2025-12-04 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: VA

Complaint narrative:
I am filing this complaint because several items being reported by the credit bureaus appear inaccurate, inconsistent across bureaus, or unverifiable. I am requesting a full and proper reinvestigation under the FCRA. My disputes are listed below by bureau. 
Charged-Off Accounts in Dispute XXXX XXXXXXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$1400.00} XXXX XXXXXXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$640.00} XXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Acct XXXX XXXX Date : XX/XX/XXXX Balance : {$490.00} XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$2600.00} XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$3500.00} XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : {$530.00} Reason for dispute : TransUnion shows different dates, variations in digits of account numbers, and inconsistent balances. These differences raise concerns about data accuracy. I request full documentation from each furnisher. Any information that can not be fully validated should be deleted. 

Late Payment XXXX XXXX XXXX Acct : XXXX Reason for dispute : I request validation of the reported late payment. If documentation can not prove the accuracy of the delinquency, it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
IDENTITY THEFT DISPUTE DEMAND FOR IMMEDIATE BLOCK AND PERMANENT DELETION XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX account number that appears on your report, e.g., ending in XXXX. 
I am a victim of identity theft. The XXXX XXXX XXXX account listed above was opened and used fraudulently without my knowledge, permission, or consent. 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), you are required to permanently block this fraudulent tradeline from my credit files within 4 business days of receiving this dispute and the attached valid identity theft report. 
Attached are : XXXX Police Department Identity Theft Report # XXXX Copy of my drivers license / ID for identity verification Recent credit report showing the fraudulent XXXX XXXX XXXX account XXXX You must immediately : Block and permanently delete the XXXX XXXX XXXX  tradeline ( account number listed above ) from my credit files at all four bureaus. 
Notify XXXX XXXX XXXX  that this is fraudulent and instruct them to cease all reporting. 
Send me written confirmation of the block/deletion and provide an updated copy of my credit report showing the account is gone. 
This account was already removed from some of my reports in the past and has been reinserted without notice or validation a separate violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to comply within the statutory 4-business-day period will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau , the California Attorney General, and pursue all available remedies, including statutory damages under FCRA 1681n and 1681o . 
Contact me only to confirm deletion at XXXX. 
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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-04 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: NC

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 2025-12-04 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: VA

Complaint narrative:
I am disputing the following accounts that are inaccurately reported on my credit report with Equifax. These items are either incorrectly listed or contain unauthorized collections. 

Charged Off Accounts : XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2025-12-04 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
This account is reporting negative on my credit, showing it as a collection. However, I was under the impression that I had made payments. They created two different accounts under my name : one of which Im currently making payments to, and the other account ( the one Im disputing today ) never gave me a heads up. They never provided me with a proper timeframe or information about the derogatory marks they intended to put on my credit. Ive been disputing that the information they have under my name is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Synovus Bank
State: NY

Complaint narrative:
I am reporting three fraudulent accounts appearing on my XXXX and XXXX  credit reports : 1. First Progress Credit Card NOT MINE XXXXXXXX XXXX XXXX XXXX XXXX XXXX Installment Loan NOT MINE XXXX. XXXX XXXX XXXX XXXX Account NOT MINE All three accounts are 100 % fraudulent. I did not open them, authorize them, or apply for them. 

This is an identity theft case. I filed a formal FTC Identity Theft Report ( attached ). 

I also mailed certified dispute letters to all three furnishers, requesting : Immediate deletion of the fraudulent accounts Blocking of all information under FCRA 605B Written confirmation of the investigation I have attached copies of these letters and USPS delivery proof.

Despite this, XXXX XXXX XXXX continue to report these fraudulent accounts, and First Progress, XXXX, and XXXX XXXX XXXX have NOT properly resolved the identity theft. 

These fraudulent accounts are harming my credit, affecting my ability to access credit, and must be removed immediately. 

I am requesting CFPB intervention to require : For First Progress, XXXX, and XXXX XXXX XXXX : 1. Immediate blocking and deletion of all fraudulent information from XXXX XXXX XXXX 2. Full compliance with FCRA 605B 3. Written confirmation of deletion For XXXX XXXX XXXX  : 4. Immediate suppression of these accounts 5. Full blocking under identity theft protections I am attaching the following supporting documents : My FTC Identity Theft Report Certified dispute letters sent to First Progress, XXXX, and XXXX XXXX XXXX USPS certified mail receipts and delivery confirmations Screenshots of my XXXX  and XXXX  reports showing all three fraudulent accounts These accounts do NOT belong to me and were opened using my identity without authorization. I am requesting immediate removal and blocking under FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am filing a complaint against Midland Credit Management for attempting to collect a debt that is not mine, refusing to provide validation, and repeatedly harassing me. 

Midland claims I owe a charged-off XXXX XXXX XXXX XXXX but after reviewing all three major credit bureaus ( XXXX XXXX XXXX XXXX  ) XXXX there is absolutely no record of this debt or any charge-off. I am attaching my full credit report ( 50+ pages ) to show that no such account exists. I also searched my XXXX account history and found no evidence of this alleged debt. 

Before I realized the debt was invalid, I mistakenly made two small payments to Midland. Once I did my due diligence, I discovered there was no legitimate debt attached to my name. After this discovery, I requested written debt validation over the phone. Instead of providing validation, the representative abruptly hung up on me.

In a separate incident, Midland placed me into a three-way call that felt harassing, unprofessional, and inappropriate. Despite my repeated requests for verification and to cease communication, Midland continued to : Call me repeatedly Send harassing letters Threaten escalation to an attorney in XXXX XXXX This is happening despite their complete lack of proof that the debt exists. 

Midland has never provided any documentation, contract, statements, or legal rights to collect this alleged debt. Their conduct has been misleading, intimidating, and in violation of the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the CFPB to : 1. Investigate Midland Credit Management for attempting to collect an unverified and potentially fraudulent debt.

2. Require Midland to cease all contact with me immediately unless they can legally validate the debt.

3. Ensure Midland does not report any false information to any credit bureaus.

4. Hold Midland accountable for harassment and improper collection practices.

Thank you for your attention to this matter. I appreciate your help in ensuring that debt collectors comply with consumer protection laws.

Recent letter I received last week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiry on my Equifax credit report : XXXX - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Equifax credit report : XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit Acceptance is attempting to collect on a fraudulent auto contract containing unauthorized add-ons and misrepresented terms. The dealer falsified or inaccurately entered information. The vehicle was wrongfully repossessed during an active dispute. I am requesting contract rescission, removal of the XXXX, and investigation.

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 2025-12-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email from XXXX stating that I was pre-approved for their credit card. Based on this pre-approval, I applied through the link provided. After applying, I was denied and a hard inquiry was placed on my credit report. This inquiry lowered my credit score and was unexpected because the communication indicated I was already pre-approved and met the criteria for approval. I then contacted Synchrony/XXXX  XXXX, and they informed me that they are unable to remove any inquiries. I applied in good faith based on a pre-approved offer that was misleading and resulted in an unnecessary hard inquiry. I am requesting that the responsible company remove this hard inquiry from all credit bureaus and confirm the correction. I have attempted to resolve this directly but have been unable to get any help or a clear answer from the involved companies.

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