vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  first reached out to me via email on XX/XX/year>. In the initial email they did not mention I could dispute this collection. They have also been reporting to my credit bureau since XXXX of XXXX  as a collection account but didn't notify me until XXXX of the same year. It is also reporting incorrectly, my credit report is showing the same collection multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
I filed a Demand for Arbitration with the XXXX XXXX XXXX ( XXXX ) against Amsher Collection Services Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ), including abusive debt collection practices that caused me financial harm. 

On XX/XX/year>, the XXXX declined to administer the arbitration and administratively closed the case ( Case No. XXXX ). This decision was not due to any failure on my part, but because Amsher Collection Services Inc. failed to comply with the XXXX consumer arbitration policies, including the Consumer Due Process Protocol, the Consumer Arbitration Rules, or withdrew from the Consumer Clause Registry.

As a direct result of Amshers conduct and non-compliance, I was prevented from continuing the arbitration process, incurred out-of-pocket expenses, and suffered actual financial damages, including the loss of an opportunity to purchase a home.

I am attaching the official XXXX letter confirming that the arbitration was declined due to the companys failure to meet XXXX  requirements, not because of any fault on the part of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
CFPB COMPLAINT READY TO SUBMIT Product : Installment Loan Company : Xact / Axcess Financial Services , Inc .

Lender : XXXX XXXX  XXXX  ( XXXX  ) Loan Number : XXXX Complaint Description I am submitting this complaint regarding an installment loan originated by XXXX XXXX XXXX and serviced by Xact / Axcess Financial Services.

The loan was originated on or about XX/XX/year>, in the principal amount of {$3600.00}. The loan carried an Annual Percentage Rate ( APR ) of 169.15 %, resulting in finance charges totaling {$6100.00} and a total repayment amount of {$9700.00}, nearly three times the amount financed.

At the time of origination, my credit score was approximately XXXX, which reflects a fair credit profile. While I understand that higher-risk borrowers may be charged higher interest rates, the cost of this loan was grossly disproportionate to my credit risk and caused significant financial harm.

I made all payments as agreed, including a final payoff payment of {$2600.00} on XX/XX/year>, and the loan is now fully paid with a XXXX balance. However, the overwhelming majority of the payments went toward interest rather than principal, illustrating the predatory nature of the loan structure.

Although the APR and terms were technically disclosed, I believe this loan constitutes an unfair and abusive lending practice ( UDAAP ) due to : An excessively high APR ( 169.15 % ) Finance charges that exceeded the principal amount Lack of meaningful, reasonably priced credit alternatives Use of a bank-partnership ( rent-a-bank ) model that bypasses state consumer protection limits This loan caused substantial financial strain and represents a cost of credit that is unreasonable and harmful to consumers.

Resolution Sought I am requesting : A partial refund of finance charges paid on this loan, and/or A goodwill adjustment or post-payoff settlement reflecting the excessive cost of credit.

I respectfully request that the CFPB review this matter and require the company to provide a formal response.

Consumer Contact Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime emailed me friday XX/XX/XXXX stating my account was under review i would have to wait 48 hours until the review is done sunday XX/XX/XXXX XXXX I received an email saying the review was done I was able to use my account again XXXX they emailed me again saying my account was under review Monday XX/XX/XXXX XXXX they emailed me saying my account is closed i called customer support to try and get the leftover funds in my account but they were no help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am formally requesting a full validation of the alleged debt appearing on my credit report under the account number listed above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1692E ( 8 ) and 15 U.S.C. 1681e ( b ), you are obligated to ensure that all information reported is accurate, verifiable, and lawfully obtained. Therefore, I request the following documentation to substantiate the validity and legal standing of this alleged account : 1. The amount of the debt claimed to be owed.

2. The name and contact information of the original creditor.

3. A complete copy of the original agreement containing my wet ink signature.

4. All GAAP and ACDC accounting records associated with the debt.

5. The complete chain of custody and assignment for any transfers or sales of the debt.

6. Documentation showing compliance with TILA ( Truth in Lending Act ) and U.C.C. ( Uniform Commercial Code ) provisions, including all required disclosures and lawful handling of the transaction.

7. Details regarding any securitization or monetization of the debt.

8. Confirmation that the account complies with G.L.B.A. 68016802 regarding privacy and data protection.

Please note that I am not refusing to pay any valid debt. I am simply exercising my right to request proper validation and documentation before any further reporting, collection, or dissemination of this information continues.

Under federal law, unverifiable or inaccurate accounts must be deleted or corrected immediately. Failure to comply with this request will be documented as willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account on my credit report does not belong to me and was added without my consent. I request it be investigated and 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-16 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and notice that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,\n  \nXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,\n  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Management company went into my apartment unannounced which is illegal when I was actively moving out and took pictures of a unfinished move out and racked up damages against me that werent true and couldnt provide an itemized receipt to prove so this account should not be open on my credit report I have submitted claims against it multiple times. This apartment complex was well aware I was moving out I gave them my notice and did everything the lease agreement expected of me they were upset because I complained about how unprofessional and disgusting it was that the apartment complex was filled with black mold and drain flies that they refused to fix or do anything about which was why I had to move.

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 2025-12-16 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: FL

Complaint narrative:
I am a victim of identity theft, and I am demanding the immediate removal of the fraudulent and inaccurate accounts listed below from my credit report. Someone illegally used my personal information to obtain loans and credit cards, and I had absolutely no involvement in these actions. I do not know how this theft occurred, and I have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am a victim of identity theft, and I am demanding the immediate removal of the fraudulent and inaccurate accounts listed below from my credit report. Someone illegally used my personal information to obtain loans and credit cards, and I had absolutely no involvement in these actions. I do not know how this theft occurred, and I have no knowledge of any suspects.

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 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-12-16 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Account No. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX. 



CEASE AND DESIST NOTICE To Whom It May Concern, This letter serves as formal notice that you are to immediately cease and desist from any and all collection activity, communication, reporting, or attempts to collect on the above-referenced account.

According to my Experian credit report, this account is clearly documented as Paid in settlement with a XXXX balance, and further reflects Account paid in full for less than full balance. As such, there is no outstanding debt owed. 

Any further attempts to contact me, collect, sell, transfer, or otherwise act upon this account would constitute knowing and willful violations of the following : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Applicable state consumer protection laws You are hereby instructed to : 1. Cease all communication immediately, including phone calls, letters, emails, or third-party contact 2. Refrain from selling, assigning, or transferring this account 3. Ensure no further reporting is made beyond its current paid status 4. Confirm in writing within 10 business days that this account is closed and that no further action will be taken Failure to comply will leave me no choice but to pursue formal complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and to consider legal action for statutory damages.

This notice is not a refusal to pay, as no debt is owed, but a lawful demand that you stop all activity immediately.

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, a payment in the amount of {$500.00} was charged through Cash App in connection with a transaction that was later disputed and canceled. I was advised by the merchant that the refund would be processed back to the original payment method. 

Despite multiple follow-ups with the merchant and confirmation that the refund was supposedly initiated, the funds have not been returned. I contacted Cash App to resolve the issue and provided all requested information, but the refund has still not been received. 

As of today, the funds remain outstanding. I am seeking the return of the disputed amount and confirmation that the refund has been properly processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a formal dispute regarding fraudulent information appearing on my XXXX credit file. I am a victim of identity theft, and the following accounts were opened without my knowledge while I was a minor XXXX XXXX XXXX XXXX XXXX : This account was deleted on XX/XX/XXXX and then reinserted illegally. 

Because I was born in XXXXXXXX these accounts could not legally have been opened by me. Under FCRA Section 605B, you are legally required to block and delete all fraudulent accounts associated with identity theft. 

My credit file also shows multiple California addresses, which are inaccurate. I have never lived in California. I lived in New York my entire life until I moved to XXXX, and I recently returned. Please remove all California addresses immediately. 

Enclosed are copies of supporting documents to verify my identity and residence : * Government-issued ID * Social Security card * Proof of address * Police & FTC Identity Theft Report

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