vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, Ga XX/XX/year> National Credit Systems , Inc . 
XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX, GA XXXX RE : Debt Validation Request / Account To Whom It May Concern, I am writing to formally request validation of the alleged debt you claim I owe to [ Name of Apartment Complex ] in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and require that you provide full verification before any further collection efforts or credit reporting continue. 

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed lease or contract that legally binds me to this debt.

2. A complete itemized statement showing how the total balance was calculated, including all charges, payments, fees, and dates. 
3. Copies of any photographs or reports of damages that contributed to the claimed balance.

4. Proof of your authorization or assignment from the original creditor ( the apartment complex ) to collect this debt on their behalf.

5. The name and address of the original creditor if different from the apartment complex listed above. 

Until this requested information is provided, you must cease all collection activities and stop reporting or updating any information regarding this alleged debt to the credit bureaus XXXX XXXX XXXX, and XXXX XXXX 

Under 15 U.S.C. 1692g ( b ), you are required to provide proper validation of the debt. If you fail to furnish this information within a reasonable time, or if sufficient proof can not be provided, I demand that any reference to this debt be immediately deleted from all credit reporting agencies and that I receive written confirmation of such action. 

Please note that any attempt to collect this debt without proper validation will constitute a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an old debt that has been charged off by CAPITAL ONE N A PLAINUM in the amount of {$2600.00}. I did not authorize/sign for the sale or transfer of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MO

Complaint narrative:
i enrolled in a program with discover to consolidate my debt and pay off my outstanding credit debt. the program entails that i shut down my credit card, and in return i will pay a minimum monthly payment with little to no interest. i enrolled in the beginning of XXXX, a little while after a car accident i was involved in. i was due to make a payment on the XXXX with autopay set up, and i accidentally went in and made a payment on the XXXX before my due date. that was my fault, and i was charged twice. i called to see if the payment could be reversed, and i was advised that i should instead just let the payment roll over to XXXX, essentially covering the minimum payment for XXXX, therefore not owing anything until XX/XX/XXXX when my autopay resumed. of course, on XX/XX/XXXX, i was charged my minimum payment of {$98.00} as well as a {$27.00} NSF fee. i can not stress this enough, i was NOT SUPPOSED to be charged for this month, nor does the program even allow any extra or late fees. i was charged for both. i have attempted to contact their customer service several times. every time i call, im sent through 5 different representatives, their either extremely rude, unable to understand the issue, or completely just refusing to resolve the issue. im extremely stressed out as i can not afford these mistakes. nobody will fix it. this is all extremely unprofessional and unfair, and i need them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I got an American express gift card and I can not use it anywhere at all. It is totally useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I have a friend who owns an electrical company who sent me a XXXX dollars because I sent him the.Referral, every time I sent him a referral, he sends me cash through a proposed method. He has sent me cash before and I have received cash many times before through the app, cash app.. I always received money through cash app and have never had my money.Held now, they have held this XXXX dollars for over three days.They will not release it or give me a reason on why it's held.They refuse to answer any of my questions when I ask them, why is my money being held? And when will it be released. They say they can't provide any further information and they disconnect. Furthermore, I never know who i'm talking to.So I will attach the cash app conversation between me and them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Last time I asked for a full detailed investigation of all of the accounts listed as required by law 15 usc 1681 I 7. I received verified with no details like always. I am disputing Dofd ( date of first delinquency ). We have no matching dofd. Disputing XXXX days late. I am using the law of 15 usc 1637A and 15 usc 166B. We need proof of matching dofd. Today is XXXX XXXX. You will have only 15 calendar days. I need the response on or before XXXX XXXX. You last investigation under 15 usc 1681 I 7 was not verified. This is your last chance, I will put you in the federal court house and sue you for {$10000.00} damages plus {$1000.00} per violation as required by law.

Ucc1-308 Without recourse 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 2025-11-09 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: FL

Complaint narrative:
On XX/XX/2025, XX/XX/2025, XX/XX/2025, and XX/XX/2025, I initiated disputes with TransUnion, Experian, and Equifax, asserting a right to the blocking of adverse information on my credit report pursuant to 15 U.S.C. 1681c-2 ( Section 605C of the Fair Credit Reporting Act ). The basis for these requests was my documented status as a victim of XXXX XXXX. This status was substantiated by a FCRA Section 605C Self-Attestation Form, a XXXX XXXX Victim Determination Documentation signed by both myself and the XXXX XXXX XXXX XXXX XXXX XXXX, and accompanied by certified court documentation of expungement directly related to said status. Supporting documentation provided included a copy of my driver 's license, a utility bill, and specific account identification. TransUnion, Experian, and Equifax declined to block the identified adverse information as statutorily required, asserting that the provided documents failed to meet their internal requirements for a victim determination letter. This refusal constitutes a potential violation of the Fair Credit Reporting Act 's provisions regarding the rights of XXXX XXXX victims to have adverse information resulting from their victimization blocked from their credit reports ( Federal Consumer Credit Protection Act ).

Furthermore, TransUnion, Experian and Equifax failed to provide notification of their determination to me via email my designated preferred point of contact, potentially violating their obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
On XX/XX/2025, XX/XX/2025, XX/XX/2025, and XX/XX/2025, I initiated disputes with TransUnion, Experian, and Equifax, asserting a right to the blocking of adverse information on my credit report pursuant to 15 U.S.C. 1681c-2 ( Section 605C of the Fair Credit Reporting Act ). The basis for these requests was my documented status as a victim of XXXX XXXX. This status was substantiated by a FCRA Section 605C Self-Attestation Form, a XXXX XXXX Victim Determination Documentation signed by both myself and the XXXX XXXX XXXX XXXX XXXX XXXX, and accompanied by certified court documentation of expungement directly related to said status. Supporting documentation provided included a copy of my driver 's license, a utility bill, and specific account identification. TransUnion, Experian, and Equifax declined to block the identified adverse information as statutorily required, asserting that the provided documents failed to meet their internal requirements for a victim determination letter. This refusal constitutes a potential violation of the Fair Credit Reporting Act 's provisions regarding the rights of XXXX XXXX victims to have adverse information resulting from their victimization blocked from their credit reports ( Federal Consumer Credit Protection Act ).

Furthermore, TransUnion, Experian and Equifax failed to provide notification of their determination to me via email my designated preferred point of contact, potentially violating their obligations under the 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 explanation
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
XXXX XXXX XXXX is trying to collect an old debt that has been Charged off by PENTAGON FEDERAL CREDIT UNION in XXXX  for {$16000.00}, also i did not authorise/sign for this company to sell my private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate or incomplete information appearing on my credit report. Specifically, my [ address and/or phone number ] is not being reported or is missing from my credit file. This issue has caused confusion and may affect my ability to verify my identity or obtain credit. My current address and/or phone number is not listed, despite being accurate and up to date. I have contacted the credit bureaus to request correction, but the issue remains unresolved. I am requesting that the CFPB review this matter and ensure that the credit reporting agencies investigate and correct the omission of my personal identifying information as required under the Fair Credit Reporting Act ( FCRA ). 

Please contact me if additional information or documentation is needed to resolve this issue. 

Thank you for your 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 2025-11-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Notice of statement of unauthorized charges to account totaling statement amount XXXXXXXX XXXX  # XXXX XXXX  Posted {$23.00} XXXX XXXXXXXX XXXX Posted {$15.00} XX/XX/year> XXXX XXXX XXXX Posted {$11.00} XX/XX/year> XXXX XXXX XXXX XXXX  Posted {$10.00} XX/XX/year> XXXX  # XXXXXXXX XXXX XXXX Posted {$6.00} XX/XX/year> XXXX XXXX XXXX XXXX Posted {$7.00} XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX  Posted {$7.00} XX/XX/year> XXXX XXXX Posted {$29.00} XX/XX/year> XXXX XXXX XXXX  Posted {$8.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Posted {$19.00} XX/XX/year> # XXXX Posted {$15.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX$19.00} XX/XX/year> # XXXX XXXX Posted {$15.00} XX/XX/year> XXXX XXXX XXXX Posted {$100.00} XX/XX/year> XXXX XXXX XXXXXXXXXXXX XXXX Posted {$120.00} XX/XX/year> XXXX XXXX  # XXXX XXXX Posted {$9.00} XX/XX/year>XXXX XXXX XXXX XXXX Posted {$10.00} XX/XX/year> XXXX XXXX XXXX # XXXX XXXX  Posted {$56.00} XX/XX/year> XXXX XXXX XXXX  Posted {$11.00} XX/XX/year>XXXX XXXX XXXX XXXX Posted {$2.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX Posted {$10.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Posted {$5.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  Posted {$19.00} XXXX XXXX - XXXX XXXXXXXX Posted {$10.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Posted {$5.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Posted {$19.00} XX/XX/year>XXXX XXXX XXXX XXXX Posted {$140.00} XX/XX/year> XXXXXXXX XXXX XXXX XXXX Posted {$200.00} XX/XX/year>XXXX XXXX XXXX XXXX # XXXX Posted {$12.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My card payment was due on XX/XX/year>. I had sent a check through my bank on XX/XX/year>. 
See the copy of the check.it was delivered on XX/XX/year>. 
When I complained, they said they cashed the check on XX/XX/year>. 
I said I sent it 10 days prior as I always send my payments much earlier than the due dates. 
They opened a dispute case and as a result they said the same thing without sending me the facts they cashed the check later!!!!! 
It was their fault. As last time they said my payment never reached to them and was late. However I contacted my bank, they said the check had been sent and if I had to send another one, it would be double payment!!!!! The bank apologized to me and reversed the wrong charges. This company keeps on lying to their customers and forgetting to credit peoples accounts on time. As a matter of fact, in XXXX, also I had received no statement. I had to ask them for the due amount by calling their customer service!!!! Shame on them gaslighting customers for their financial gain. Please demand them to reverse my wrong charges along with the interest and fix the damages they caused on my credit reports. Make them stop this cruel and abusive treatments of their customers. I feel being financially abused as a senior  citizen. Please help me resolve this madness.Thank for your cooperation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This complaint concerns the continued inaccurate and misleading reporting of XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit file, previously addressed under CFPB Complaint # XXXX. 

On XX/XX/year>, TransUnion responded that the account is an active dispute. However, TransUnions update failed to correct the numerous factual inaccuracies I originally identified. Instead of deleting or accurately verifying the tradeline, TransUnion continues to publish conflicting and unverifiable data in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ).

Specific Violations : 1. FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy TransUnion still reports the account as Derogatory/Charge-Off with a {$0.00} balance and Paid profit and loss comment. A paid and zero-balance account can not simultaneously remain derogatory. Continuing to display contradictory data demonstrates failure to maintain maximum possible accuracy.

2. FCRA 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation TransUnions so-called update did not address the inconsistent dates, status, or balance. Re-labelling the account as active dispute without resolving the underlying errors does not constitute a reasonable reinvestigation under the FCRA.

3. FCRA 1681i ( a ) ( 5 ) ( A ) Duty to Delete Unverifiable Information The furnishers records remain internally inconsistentdifferent last payment and last active dates, mismatched credit limits, and contradictory payment history. Because TransUnion can not verify the tradeline as fully accurate and complete, the law requires its deletion.

4. FCRA 1681n & 1681o Civil Liability for Non-Compliance TransUnions continued reporting of false information after prior notice and dispute constitutes willful or negligent non-compliance.

TransUnions active dispute notation merely signals that the issue is unresolvedit does not correct or validate the inaccurate information. I have exercised my rights to dispute in good faith, yet TransUnion persists in publishing false data that harms my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Called in to request payment options due to shut down I told the. I exhausted my savings and my income had been cut in half due to me not receiving payments of child support since XXXX because my childs father is a XXXX XXXX  and he have not been paid and its affecting me temporarily I was told due to my loan being XXXX  months in there was nothing they can do as far as pushing back my loan I told them I can pay half on XX/XX/XXXX and pay the other half XX/XX/XXXX I was still threaten that if I change the payment that my vehicle would be put in lost prevention even though Im trying to resolve the payments. I representivethem told me I had to change my payment to XX/XX/XXXX soon let to avoid that and I thought that didnt even make since now Im having to come up with XXXX payments earlier than when it was due causing me to lose my vehicle the lack of communication and understanding is not fair.

Company response to consumer: Closed with explanation