vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/2025, I noticed several inaccurate items on my credit report, including a repossession and a collection account that I do not recognize. I submitted disputes through the credit bureau and contacted the furnisher directly with supporting documentation. Despite my efforts, the items were marked as verified without any meaningful investigation or evidence. 

I sent additional letters by mail and included proof that the accounts were either incorrect or belonged to someone else. To date, the inaccurate items remain on my report, negatively affecting my creditworthiness and ability to qualify for a loan. 

Under the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated due to the failure to conduct a reasonable investigation. I request that these inaccuracies be fully reviewed and removed from my credit 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
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/2025, I noticed several inaccurate items on my credit report, including a repossession and a collection account that I do not recognize. I submitted disputes through the credit bureau and contacted the furnisher directly with supporting documentation. Despite my efforts, the items were marked as verified without any meaningful investigation or evidence. 

I sent additional letters by mail and included proof that the accounts were either incorrect or belonged to someone else. To date, the inaccurate items remain on my report, negatively affecting my creditworthiness and ability to qualify for a loan. 

Under the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated due to the failure to conduct a reasonable investigation. I request that these inaccuracies be fully reviewed and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
I am filing this complaint regarding ongoing collection attempts made by Resurgent Capital Services, which I believe to be in violation of fair debt collection practices. 

Since XXXX, I have received multiple letters ( at least XXXX times ) from Resurgent Capital in an effort to collect a debt they claim I owe. Each of these communications contains the same set of documents, including what they refer to as a loan contract. However, the most critical part of the documentationExhibit Ais entirely blank, containing no account numbers, loan terms, or identifying details that substantiate the alleged debt.

Despite numerous efforts on my part to resolve this matter, including phone calls and electronic communications requesting proper validation of the debt, Resurgent continues to send the same incomplete packet. They rely on a generic account summary and balance sheet, which lacks any supporting contractual evidence to prove this debt is mine. I have made it clear that the lack of actual contract terms or signed documentationparticularly the blank Exhibit Afails to meet the legal standards for debt validation. 

Most recently, I received a letter dated XX/XX/XXXX, again providing the same insufficient documentation. I have attached this letter to this complaint as evidence. Their repeated failure to provide complete, verifiable, and accurate documentation is not only frustrating, but also undermines my ability to appropriately address or dispute the claim. 

I am requesting that the CFPB investigate this matter and require Resurgent Capital to cease collection efforts until they can provide a legally sufficient and complete loan contractespecially with a filled-in and signed Exhibit Ato validate the alleged debt. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I received a {$300.00} installment loan from XXXX XXXX According to the Truth in Lending Disclosure, the Annual Percentage Rate ( XXXX ) was listed as 699.9999 %. The finance charge was {$1600.00}, and the total repayment amount was {$1900.00}. This results in nearly XXXX times the original loan amount and an interest rate far exceeding XXXX legal cap of 18 % 25 % for small loans. 

Since taking the loan, Ive been making regular payments, but I now believe the terms of the loan are predatory and likely illegal under Florida law. Additionally, Ascend Loans charges a {$25.00} late fee and adds a {$5.00} processing fee for every check payment, further increasing the financial burden. 

I believe this lender is using a rent-a-tribe model to bypass state usury laws, a tactic that has been challenged in court. Ascend Loans is not licensed to lend in Florida, and their loan terms violate fair lending practices.

I am requesting that the CFPB investigate whether this loan violates consumer protection laws, and assist in determining whether I should be liable for anything beyond the {$300.00} principal. I am also seeking a refund of any payments made beyond that principal amount. 

I am prepared to provide supporting documents, including a copy of the loan agreement and my payment history.

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 2025-05-16 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for willfully and negligently violating multiple federal consumer protection laws by inaccurately reporting a XXXX  XXXX XXXX account, No. XXXX on my credit report. 

Despite the account showing no payment activity since XX/XX/XXXX, TransUnion continues to report the account with a balance of {$3000.00} and repeated monthly " Charge-Off '' ( CO ) notations from XXXX to XXXX. This reporting is not only factually inaccurate but also legally noncompliant for the following reasons : Violations Identified : 1. Metro 2 Violation : o Multiple monthly Charge-Off notations violate Metro 2 guidelines, which allow only a single CO status per account. This practice artificially inflates derogatory reporting and is misleading.

2. Illegal Re-Aging FCRA 605 ( a ) ( 4 ) : o The account is being reported beyond the 7-year limit from the Date of First Delinquency ( DOFD ), which occurred in XXXX. This is considered illegal re-aging. 
XXXX. Failure to Conduct Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) : o My dispute requested a manual reinvestigation and documentation of the method of verification. TransUnion failed to provide sufficient details and seemingly relied on automated systems ( e-OSCAR ).

4. Inaccurate and Outdated Information FCRA 607 ( b ), 603 ( d ) ( 1 ) ( A ) : o Reporting the same unchanged balance and status for over six years without payment activity shows negligence and violates the FCRAs accuracy requirements.

5. Violation of the GLBA 6801 ( b ) : o Retaining and displaying damaging financial data without proper verification or purpose is a violation of consumer privacy protections under the Gramm-Leach-Bliley Act.

6. UDAAP 12 U.S.C. 5531 : o The repeated harm caused to my credit standing from continued CO entries constitutes unfair and abusive practices, which consumers can not reasonably avoid.

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 2025-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
My personal information was used to take out an installment loan from XXXX XXXX XXXX  on XX/XX/XXXX without my knowledge or consent. The fraud was done online. The company attempted to contact through text and phone calls, but since I had not taken out any loans, I thought the messages were spam. They sold the debt to National Recovery Agency, who also tried to contact through text and phone calls, which I also assumed were an attempt to scam me. On XX/XX/XXXX I got a notice that my credit report had a collection reporting on it. I called the collection agency from the number in my credit report and they gave me the above details. They also told me I still had to pay or settle the account or they would continue to report a bad issue even while I disputed it. I filed a police report with the XXXX Police department. Case # XXXX. I called the XXXX XXXX people who claimed to be completely unable by help me in any way. I ended up paying the Collection agency in order to stop the damage to my credit, but now am filing a dispute with the police 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
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Within the month of XXXX, I have received XXXX calls from XXXX and XXXX XXXX regarding authorization about store credit cards and assumed they were scam calls. XXXX XXXX XXXX and XXXX were the new cards added to my account, and I just discovered on XX/XX/year>, I have been notified my credit score went down due to a missed payment on an account I have never known about nor authorized as I only legally permitted three cards. I called on the same day to both companies with an AI preventing me from reaching a representative due to the account number they required, which I never created. I contacted Experian to file a dispute with both account and was notified both accounts were fraudulently established on XX/XX/XXXX and have both payments due. I managed to reach someone in XXXX in their fraud department, and they recognized my situation. The department informed me to contact FTC, and the nature of my situation directed me here. I am not the only one in this situation as I looked online and discovered people were dealing with the same issue with the same cards and account charges without their knowledge or 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Within the month of XXXX, I have received XXXX calls from XXXX and XXXX XXXX regarding authorization about store credit cards and assumed they were scam callsXXXX TD BANK USA/TARGETCREDIT and XXXX were the new cards added to my account, and I just discovered on XX/XX/year>, I have been notified my credit score went down due to a missed payment on an account I have never known about nor authorized as I only legally permitted three cards. I called on the same day to both companies with an AI preventing me from reaching a representative due to the account number they required, which I never created. I contacted Experian to file a dispute with both account and was notified both accounts were fraudulently established on XX/XX/XXXX and have both payments due. I managed to reach someone in Target in their fraud department, and they recognized my situation. The department informed me to contact FTC, and the nature of my situation directed me here. I am not the only one in this situation as I looked online and discovered people were dealing with the same issue with the same cards and account charges without their knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I want to inform you that this is not a refusal to pay but in accordance with my rights under the Fair Debt Collections Practices Act I am disputing this account and requesting validation of debt. ( 15 USC 1692G SEC.809 ( B ). I am not requesting a verification, but I am requesting validation. I am requesting that your office provide me with evidence that I am obligated to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been locked out of my Experian consumer portal since late 2024, with every login attempt blocked because Experians twofactorauthentication ( 2FA ) codes are sent to an email address and phone number that are not mine. On XXXX I spent several hours navigating Experians automated phone system merely to impose a security freeze, yet three months later I still can not view, dispute, or correct my own credit file. This systemic failure violates my rights under FCRA 609611, leaves an unknown third party in control of 2FA tied to my Social Security number, and exposes me to continuous identitytheft risk. Repeated calls, online requests, and written submissions have all been ignored or redirected to selfservice loops that require the very compromised 2FA credentials. 

Relief demanded : 1. Immediate removal of the unauthorized email and phone number from my profile.

2. Reissuance of 2FA credentials to verified contact points of my choosing.

3. Written assurance that no Experian membership or monitoring account can be created without my confirmed information.

4. Formal rootcause analysis detailing how a third party attached their credentials to my file, and delivery of that report to me.

Experians prolonged inaction has left my credit data in limbo and my identity unprotected ; urgent regulatory intervention is required.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
I am unaware of this false and misleading representation of this debt. I did not give consent to have this reported on my credit report. This company is communicating credit information to any person which is known to be false and misleading. I am aware of the CFPB lawsuit against the credit agencies and I am invoking 15 U.S.C. 1681C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor Name : XXXX XXXXXXXX Account Number : XXXX According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( lpromptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am beyond frustrated and deeply unsettled. I recently discovered a debt on my credit report that I have no knowledge of and never authorized. I did not open this account, yet I am now being harassed from multiple directions with threats of legal action for something I have absolutely no connection to. This situation is not just unfair, it is a violation of my consumer rights. As someone who has always acted responsibly, I find it incredibly insulting to be treated as if Ive done something wrong. The constant calls, messages, and pressure have affected my mental health and caused countless sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received an email from american express that stated my credit card limit has been exceeded. I've had multiple american express cards over the years but, I do not have an active american express card currently. I have moved twice since having an active american express account and my current address is probably not on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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