vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
This letter is a formal request for validation of the debt you allege I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received communication from your office regarding the above-referenced account, and I am exercising my right to request detailed information to verify the validity and legal enforceability of this debt. 

Specifically, please provide : 1. The name and address of the original creditor.

2. A detailed, itemized statement of the alleged debt, including the original amount, interest, fees, payments made, and current balance.

3. A copy of the original contract or agreement bearing my signature that created this debt.

4. A full and certified copy of the assignment or purchase agreement that shows National Credit Systems , Inc. has the legal right to collect on this debt.

5. Proof of your agencys authorization and license to collect debts in the state of Ohio, including the license number.

6. Confirmation that this debt has not been and will not be reported to any credit bureau until it is fully validated as required by law.

Until you provide the above documentation, I request that all collection activity regarding this matter cease immediately. Any reporting of this alleged debt to credit reporting agencies without proper validation may constitute a violation of the FDCPA and other applicable consumer protection laws. 

This letter is not a refusal to pay, but a request for proof and proper documentation. Please respond within 30 days of receipt of this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-26 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-26 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX credit cards with XXXX XXXXXXXX XXXX in XXXX XXXX with the Account numbers ( XXXX ) and ( XXXX ), XXXX XXXXXXXX opened XX/XX/XXXX with the Account XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX  XXXX XXXX opened XX/XX/XXXX and an XXXX XXXX with XXXX XXXX XX/XX/XXXX with the Account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections are the result of identity theft and fraud. I have attached of FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
FIRSTLY MY APARTMENT SEND MY AMOUNT TO COLLECTION AGENCY WITHOUT ANY NOTICE AND THEY SENT IT WRONG FOR TOTAL XXXX $ Dollar Something And we already pay the XXXX $ The correct amount they wasnt deduct the XXXX $ deposit which they owe to us then i talked to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA ) and they did feel sorry for wrong amount they put on collection now im trying to get my collection go away but they are not helping me Please you have to help me i cant pay the amount which i dont owe. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I setup a payment plan with a company called XXXX and completed the payment plan. They won't send documentation and they won't clear my balanced owed. There's something very unscrupulous about this company. Please listen to the recorded phone call and how they never followed through with their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
XXXX XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX credit cards with XXXX XXXX XXXX in XXXX XXXX with the Account numbers ( XXXX ) and ( XXXX ), XXXX XXXXXXXX opened XX/XX/XXXX with the Account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and an auto loan with XXXX XXXX XX/XX/XXXX with the Account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections are the result of identity theft and fraud. I have attached of FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2025-05-26 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: TN

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I call charter communications and they didnt have a account in my name or at my address also I looked on my credit report and found XXXX addresses Ive never lived at

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I attempted to return new, unopened merchandise purchased at Kohls using my Kohls store credit card ( issued by Capital One ). I was denied the return due to a third-party system called TRE ( The Retail Equation ). I was never informed this system would be used or that it could restrict valid returns. 
The items were within Kohls stated return policy, and I had successfully returned other items from the same orders. This feels deceptive and punitive. I believe Capital One should not support a store that denies fair refunds while profiting off purchases made using their card. 
I am requesting assistance with a chargeback through Capital One for the denied returns totaling {$190.00} + tax, and greater oversight of retailers using hidden systems like TRE to deny consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Credit Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA Section 611 ( a ) credit reporting agencies are obligated to verify and substantiate information they report ensuring it is accurate, complete, and fair.

Please provide the following such as Verification of the debt, including the name of the original creditor, amount owed, and any associated contract or agreement proving my obligation to pay.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

Evidence that you have investigated this account as mandated by FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted.

Thank you for addressing this matter promptly. I expect a response within 30 days.

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 2025-05-26 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:
This filing a complaint is in reference to a previous dispute I submitted regarding inaccurate information on my credit report. I am writing to formally initiate a second-round dispute for the following account, which remains unresolved : XX/XX/XXXX Balance Owed : {$860.00} ;XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
This filing a complaint is in reference to a previous dispute I submitted regarding inaccurate information on my credit report. I am writing to formally initiate a second-round dispute for the following account, which remains unresolved : XX/XX/XXXX Balance Owed : {$860.00} ;XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX Balance Owed : {$0.00} ; XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK
State: AR

Complaint narrative:
I deposited approximately XXXX dollars into the atm and then the atm crashed taking my money and not giving it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Subject : Formal Complaint Against XXXX Regarding Incorrect Reporting and Deceptive Practices Account Number : XXXX XXXXXXXX XXXX XXXX  Creditor : XXXX Dear Sir or Madam, I am writing to file a formal consumer complaint regarding XXXX  credit card services for unethical and inaccurate reporting of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency reporting to the credit bureaus. 

I was a customer of XXXX and had AutoPay enabled for my account since inception. In XX/XX/year>, XXXX arbitrarily and without notice disabled my AutoPay, which had been functioning correctly and paying my bill in full and on time.

Despite this change, the company never informed me, and instead continued to charge monthly service fees. When I discovered this issue and contacted them, a customer service agent acknowledged their fault and assured me that it would not be reported as a delinquency. 

I immediately closed the account. However, upon reviewing my credit report, I have found that XXXX  falsely reported my account as delinquent, which is factually incorrect and causing damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Subject : Formal Complaint Against XXXX Regarding Incorrect Reporting and Deceptive Practices Account Number : XXXX XXXXXXXX XXXX XXXX  Creditor : XXXX Dear Sir or Madam, I am writing to file a formal consumer complaint regarding XXXX  credit card services for unethical and inaccurate reporting of my account status and for failure in disclosing changes to my auto-payment setup, which led to fraudulent delinquency reporting to the credit bureaus. 

I was a customer of XXXX and had AutoPay enabled for my account since inception. In XX/XX/year>, XXXX arbitrarily and without notice disabled my AutoPay, which had been functioning correctly and paying my bill in full and on time.

Despite this change, the company never informed me, and instead continued to charge monthly service fees. When I discovered this issue and contacted them, a customer service agent acknowledged their fault and assured me that it would not be reported as a delinquency. 

I immediately closed the account. However, upon reviewing my credit report, I have found that XXXX  falsely reported my account as delinquent, which is factually incorrect and causing damage to my creditworthiness.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I paid off my mortgage in XXXX. Wells Fargo reported that I missed my mortgage over 120 days which dropped my credit score XXXX points after my mortgage was already paid off and my account was closed. Mind you I had to follow up with them several times because when initially I called to pay off my mortgage, the money was placed in limbo. It was not applied to my account for over a week, money that I couldve been earning interest on that I was never reimbursed for

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 2025-05-26 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/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 2025-05-26 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: Net Pay Advance, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a Credit Access Business ( CAB ) loan facilitated by XXXX, XXXX dba NetPayAdvance.com, arranged with an out-of-state lender, XXXX XXXX, on XX/XX/year>. 

Although the company is licensed in Texas as a CAB, they use misleading statements and a deceptive structure that creates confusion about who the actual lender is and what fees are being charged. For example, their website and communications state : XXXX, XXXX XXXX NetPayAdvance.com will provide all services relating to the loan. 

This creates the impression that NetPayAdvance is the actual lender which is not true. In reality, the loan came from XXXX XXXX , a Kansas-based entity , and NetPayAdvance charged {$690.00} in CAB fees just to broker a {$500.00} loan.

This resulted in an effective APR of over 500 %, with more than {$700.00} in costs added to a {$500.00} loan a practice that should be examined under CFPBs rules against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

Additionally : The CAB fees are not meaningfully disclosed in advertising or summaries, only buried in the fine print.

The companys communication materials do not clearly identify the third-party lender or the fact that multiple contracts are being signed.

I am concerned that this structure is designed to evade usury limits by shifting liability through a brokered arrangement while disguising the true cost of credit.

I am requesting that the CFPB investigate the lending practices of NetPayAdvance ( XXXX, XXXX ) and XXXX XXXX , with particular attention to the misleading way their relationship is described, and the excessive fees charged for brokering small-dollar loans.

Company response to consumer: Closed with explanation