vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the account being reported by National Credit Systems Inc on my consumer credit reports. This complaint is not a request for debt validation, billing statements, payment history, or balance verification.

I am specifically disputing National Credit Systems Incs legal authority to collect, report, or possess my personal information.

I have never signed a contract, agreement, or authorization with National Credit Systems Inc. I did not provide consent for this company to act as a debt collector, nor did I authorize the original creditor to transfer, assign, or sell my personal information to this agency.

National Credit Systems Inc has failed to provide any proof that I granted authorization for the use, processing, or reporting of my consumer data. Reporting an account without consumer authorization or proof of lawful assignment is inaccurate, misleading, and unlawful. 

At no time prior to reporting this account did National Credit Systems Inc provide proper notice establishing their authority or legal standing. The appearance of this account on my credit report occurred without proof of consent, without contractual obligation, and without evidence of lawful data transfer.

This complaint does not concern whether a balance exists. It concerns whether National Credit Systems Inc has the legal right to report anything about me at all. Without proof of authorization, this company has no permissible purpose to furnish data under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. 
I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. 
Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges.

2. Documents showing where this obligation originated and how your company obtained it.

3. Any agreement, application, signature, contract, or document that links me to the account.

4. Proof your company is authorized and licensed to collect in my state, including registration details.

5. Any notices or communications you claim you sent before reporting the account to the credit bureaus.

6. The identity and address of the original creditor, along with the original account details.

7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
Nature of Complaint I am a New Jersey consumer. My credit reports contain multiple tradelines that are misleading, internally inconsistent, and inaccurately characterized as negative, despite several accounts being reported as current, paid, or closed. 
Certain revolving accounts are reported as current with no delinquency, yet are still designated as negative accounts, solely due to utilization levels. This presentation is misleading and overstates credit risk. Other accounts reflect single-bureau reporting, inconsistent balances, excessive late-payment histories, or derogatory classifications despite XXXX or resolved balances. 
Despite disputes, these accounts continue to be verified, indicating a failure to conduct a reasonable investigation as required by the Fair Credit Reporting Act. 
These actions violate the Fair Credit Reporting Act ( FCRA ) and the New Jersey Consumer Fraud Act, and constitute unfair and deceptive credit reporting practices. 
Legal Basis Fair Credit Reporting Act ( 15 U.S.C. 16811681x ) 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy 1681i : Failure to delete or correct inaccurate or unverifiable information 1681s-2 ( b ) : Failure of furnishers to reasonably investigate disputes and correct errors New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) Prohibits deceptive, misleading, and unconscionable commercial practices, including false or misleading credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name on my credit report ]. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 
XXXX. Incorrect Contact Information : The phone number listed on my credit report, [ Incorrect Phone Number ], is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ Credit Bureau Name ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express has a deal where you can get a {$50.00} credit for XXXX purchases twice a year, once in each half of the year. I made a purchase XX/XX/XXXX. The promotional credit didnt post because technically the charge registered as pending. then 7 days later the charge posted so the XXXX credit counted toward my second half of the year benefits ( meaning XXXX couldnt get it a second time in the second half ). I contacted customer service and they said they cant do anything about it. 

From their site https : //global.americanexpress.com/card-benefits/detail/shop-saks/platinum Get up to {$100.00} in statement credits annually for purchases at XXXX XXXX XXXX XXXX XXXX on your XXXX XXXX. Thats up to {$50.00} in statement credits from XXXX through XXXX and up to {$50.00} in statement credits from XXXX through XXXX. No minimum purchase required. Enrollment required. 
How It Works Enrollment by the XXXX XXXX XXXX is required. To receive the benefit, select Enroll Now below. 

Eligible purchases must be made in XXXX XXXX XXXX stores within the XXXX and XXXX territories or at XXXX using any Card on the enrolled Card Account. 

The XXXX XXXXr will receive up to {$50.00} in statement credits from XXXX through XXXX, and up to {$50.00} in statement credits from XXXX through XXXX when they or any Additional Card Members on their Account make an eligible XXXX purchase with their Card. Statement credits will not exceed {$50.00} semi-annually per Card Account. 

Statement credits are typically received within a few days, but it may take up to 8 weeks after an eligible XXXX purchase is charged to the Card Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the charge-off account currently being reported on my consumer credit file. Upon careful review, I have determined that this account is being furnished in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as the information reported is inaccurate, incomplete, and has not been properly verified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute any item of information that is inaccurate, incomplete, or incapable of being fully substantiated. To date, the furnisher has failed to provide competent and admissible documentation validating the alleged debt, including, but not limited to : A signed contract or agreement bearing my signature Documentation establishing lawful ownership or assignment of the debt Evidence demonstrating my authorization, obligation, or liability A complete and accurate itemization of the balance being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account became restricted as of XX/XX/XXXX due to a check I deposited from an insurance claim ( my vehicle was hit. ) Unfortunately, the insurance of the other party was insistent on adding the name of the business that was to do the work on my car door. That same business is actually a car dealership - I ended up trading my vehicle to them instead of getting my door fixed. The dealership told me to just deposit the check & use it for down payment. The check was signed by me but not the business. I understand that was my error but I spent XX/XX/XXXX speaking to multiple specialists, until one told me they could help me if someone from the dealership verified it was okay for me to do so. I spent quite some time on the phone with the dealership & I got someone that could do the verification requested, only for fraud hotline to say they entered information but my account would remain restricted until the check returned. 
I understand not having access to the check due to lack of endorsement but it is ridiculous that I do not have access to my direct deposit. It is the holidays & I just had a XXXX, I literally have no other money. Additionally, all employees said the check hold would remove in 3 business days- one saying I would be able to call on Thursday of last week to remove the restriction on my account. I called & another employee said it takes 10 business days. Today, XX/XX/XXXX, they have decided to end the relationship & I now have to wait up to 60 days to get the funds in my account. I havent had money the last two weeks & havent been able to pay my car & car insurance. Like I said, I understood not having access to the check due to my own error but to be keeping me from my own funds during the holiday is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: MI

Complaint narrative:
{$740.00} sold my debt, I asked them stop contacting me nd they didnt. Theyre attempting to collect more than I owe through a third party.

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 2025-12-23 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-23 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am submitting a formal dispute regarding inaccurate late payments being reported under the following account on my credit file : Creditor : CALIBER HOME LOANS, IN Account Number : XXXX DATE OPENED : XX/XX/year> This late payments entry are incorrect and possibly unverifiable as they were paid on time. As outlined in FCRA 1681i, I have the right to challenge information I believe to be inaccurate. I have not received proper documentation supporting the accuracy of this late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Company would not talk to me about this debt because they have no record of my name but its on my credit report and account does not belong to me

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
CFPB Complaint Description I have not used this credit card since XX/XX/year>. Despite no card usage since that time, the account balance has continued to increase due solely to fees and interest. 

For the statement closing XX/XX/year>, no purchases or cash advances were made, yet {$60.00} in fees ( {$19.00} monthly fee and {$41.00} late fee ) and {$46.00} in interest were added. This increased the balance to {$1600.00} on a {$1000.00} credit limit, placing the account more than {$600.00} over the limit due primarily to fees and interest. The purchase XXXX is 35.90 %. 

I contacted the company and requested that the card be shut off and that fees and charges stop accumulating. The company refused, stating that a balance was still due. While I understand a balance exists, the continued addition of monthly fees, late fees, and high interest has caused the balance to grow rather than become manageable. 

I stopped making payments because repeated fees and interest were being added each month, making it impossible to reduce the balance. In 2025 alone, the account accumulated over {$700.00} in fees and more than {$360.00} in interest. 

These ongoing charges are being reported to the credit bureaus, further harming my credit, even though the balance increase is driven by fees rather than spending. If excessive fees were removed or stopped when I requested the card be closed, the balance would be manageable. 

I am requesting a review of these charges, consideration of fee removal or adjustment, cessation of additional fees, and a fair resolution to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX my paycheck was deposited in my chime account through direct deposit. XXXX then my account was temporarily limited and restricted from making transfers or use my debit card. I called customer service and they told me to wait XXXX hours and it would be back to normal they just had to review suspicious activity. So on XX/XX/XXXX I received an email stating that my account has been closed. My direct deposit and money hasnt been accessed or touched by me but chime is not wanting to send me my funds. Its a week before XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by auto companies for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. 
According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name on my credit report ]. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 
XXXX. Incorrect Contact Information : The phone number listed on my credit report, [ Incorrect Phone Number ], is no longer in use. I request that my new phone number, [ Your Current Phone Number ], be updated as my primary contact number. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that [ Credit Bureau Name ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding continued inaccurate credit reporting by National Credit Management concerning a collection account attributed to XXXX XXXX  University. 

The account reflects a XXXX balance and was paid in full on XX/XX/XXXX. Despite this, the account continues to be reported as a collection and labeled as potentially negative. The account has been updated as recently as XX/XX/XXXX, despite prior disputes and investigation results marked complete. 

I have previously disputed this account with consumer reporting agencies, and the reporting has not been corrected or deleted. On XX/XX/XXXX, I served National Credit Management with a notarized Affidavit of Fact and Intent to Sue, along with supporting documentation and proof of certified mailing. 

Continued reporting of this account after notice and dispute constitutes inaccurate reporting. I am requesting regulatory assistance to require correction and permanent deletion of this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation