vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MS

Complaint narrative:
National Credit Systems is attempting to collect on Account # XXXX ( {$4900.00} ), allegedly XXXX  from XXXX XXXX 

This account is inaccurate, incomplete, and unlawful for the following reasons : No Security Deposit Returned : XXXX XXXX failed to return my security deposit at the conclusion of the lease, which constitutes a violation of 15 U.S.C. 1667 ( b ) under the Consumer Leasing Act, requiring proper accounting and settlement at lease termination.

Without the return or lawful application of the deposit, any deficiency claim is improper.

No Proof of Consideration or Value : National Credit Systems has not produced any Forward Flow Agreement, GAAP accounting records, or impairment ledgers showing the assignment of value for this alleged debt as required under UCC 3-303 ( b ).

This means they lack standing to collect. 

FCRA Violations : By reporting this unverifiable debt, XXXX is in violation of : 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy.

15 U.S.C. 1681s-2 ( a ) furnishing information without reasonable basis of accuracy.

Mississippi & Federal Law : Miss. Code Ann. 75-24-5 prohibits unfair and deceptive practices in commerce, which applies to the continued reporting of an unlawful balance.

Under GAAP Accounting Standards, the debt should have been written off at the original creditor level unless documented consideration exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There was an unauthorized Transaction On my PayPal account For {$4000.00}. I got a text from them right after the transaction took place. It asked me " Did you pay {$4000.00}? to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Reply XXXX If yes or XXXX if no. '' I replied XXXX. About XXXX or XXXX minutes later I got an email stating that they had closed my case, that the transaction looked fine. 

I do not know or have ever been in contact with XXXX XXXX XXXX 

When this was happening my desktop went XXXX except for the word " XXXX '' and I could see the mouse moving around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On XX/XX/scrub>, 2025, I entered my FNBO credit card, but the machine did not activate the gas pump. I was unable to get any gas whatsoever. This occurred at a non-manned gas station at XXXX XXXX XXXX in XXXX VA ( XXXXXXXX XXXX XXXX VA and XXXX XXXX XXXXXXXX XXXX ) around XXXXXXXX XXXX  XX/XX/XXXX. This may have been the result of a gas pump skimmer. The posted charge by FNBO is for a gas station at XXXX XXXX XXXX XXXX/ XXXX XXXX in XXXX VA, XXXXXXXX XXXX XXXX. I never travelled on XXXX XXXX nor went XXXX XXXX XXXXXXXX nor XXXX XXXX XXXX XXXX. This may be a case of the listed merchant fraudulently taking credit card information elsewhere and billing unsuspecting drivers. In any case, FNBO should seek a police investigation. Since I was not within miles of the merchant, and because suspiciously my credit card was read at a non-manned gas pump station with dispensing gas - and since I have a witness as to the scam- I will NOT pay the charge. Credit my account {$15.00}! It was Impossible to attempt to resolve with non-manned merchant at gas station. After receiving the the credit card statement I filed a dispute with FNBO on XX/XX/XXXX, providing the above information. FNBO NEVER investigated my dispute. Shockingly, it sent me a rejection dated XX/XX/XXXX, stating " The merchandise would have needed to be inspected for possible damage and addressed prior to leaving the business. By leaving the store with the product you accepted the merchandise in the condition that it was in. '' Obviously. FNBO sent a GENERIC REJECTION LETTER. FNBO 's XXXX XXXX XXXX XXXX  and GREED allows its employees to LIE by MAKING UP STORIES. I did not " leave the store with the product '' because there was NO PRODUCT - NO GAS, not a drop! Nor could I have " inspected the product ( and ) accepted the merchandise '' because there was NO MERCHANDISE - NO GAS. Clearly, FNBO has CRIMINALLY violated federal laws and regulations by both not investigating the facts and also by rejecting a dispute for NONSENSICAL and IRRELEVANT REASONS. FNBO should be fined and XXXX XXXX sanctioned.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was reviewing my Equifax credit report and noticed some improper unauthorized inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
Subject : Complaint Against American Express Unfair Credit Limit Reduction and Preset Spending Limit I am filing this complaint against American Express due to unfair and harmful practices regarding my credit cards. 

I currently hold XXXX American Express accounts, XXXX of which carries a high annual fee of {$750.00}. Despite paying such a significant fee for membership and benefits, American Express recently imposed a Preset Spending Limit of {$2800.00} on XXXX card and reduced the credit limit to {$1800.00} on another account ( with a {$200.00} cash advance limit ). 

These actions were taken unilaterally after a so-called review, without my consent or a sufficient explanation. The reduction in my credit limit not only restricts my ability to use the card but also negatively impacts my credit history and XXXX score, creating a red flag to other creditors. 

Additionally, the same action was taken against my spouse, who also holds multiple American Express accounts. This demonstrates a recurring pattern of behavior in which American Express penalizes loyal customers who pay substantial annual fees for premium services, only to later undermine their financial standing by reducing their creditworthiness. 

This practice is unfair, abusive, and misleading. American Express markets its premium cards with high fees and promised benefits, yet later engages in actions that directly harm consumers credit profiles and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple account that do not belong to me fraudulently reporting.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  deleted the XXXX XXXX XXXX account from my credit report on XX/XX/year>2025. However, the same account is still showing on Equifax and TransUnion. I have disputed the account with both bureaus, requesting verification and removal if unverifiable. I am asking that Equifax and TransUnion fully verify the account details ; if they can not, it should be deleted from my credit reports.

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 2025-08-17 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 Subject : Dispute of Inaccurate Credit Reporting by Transunion XXXX XXXX, Accounts Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit report by Transunion to my accounts with XXXX  XXXX. According to my records and payment history, the balance for these accounts has been fully paid, and there is 0 % left to pay on each and current status and worst status should be current. Furthermore, I have consistently made 100 % of payments on time as agreed in the terms of these accounts and Current and worst status should be current Despite this, Transunion continues to report incorrect outstanding balances and fails to reflect the accurate payment history. This inaccurate reporting is adversely affecting my credit score and financial reputation. I have already contacted Transunion several times and since XX/XX/year>2025, but the error remains unresolved. I am requesting your assistance to ensure that Transunion corrects this misinformation promptly to accurately reflect that the accounts have been fully paid with no outstanding balance and a perfect payment history. Thank you for your attention to this matter. Please confirm receipt of this dispute and keep me informed about any actions taken. Sincerely, 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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Re : Request for Debt Validation Account Number : [ Insert if known ] To Whom It May Concern : I am writing in response to a [ letter/phone call ] received on [ date ], regarding the alleged debt referenced above. This is a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

I request that you provide proper documentation that : 1. Proves I am legally obligated to pay this debt ; 2. States the name of the original creditor ; 3. Includes a copy of any judgment ( if applicable ) ; 4. Provides a complete payment history, including the amount of the original debt, any interest, fees, or other charges added ; and 5. Shows you are licensed to collect debts in my state.

Until you provide this information, and in accordance with the FDCPA, you must cease all collection activities and not report this debt to the credit bureaus. If you have already reported it, you must notify the credit reporting agencies that the debt is disputed.

Please be advised that I am keeping detailed records of all correspondence.

Sincerely, [ Your Full Legal Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX, TX XXXX Phone number ( XXXX ) XXXX Subject : Request for Goodwill Deletion of Account from Credit Report I am writing to request the removal of an account from my credit report The account in question is : LOCKHART, MORRIS & MONT Creditor Name : Account Number : XXXX Reported Balance : {$880.00} I respectfully request that, given the resolution of the debt and my commitment to improving my credit standing, you consider removing this account from my credit report. Removing this account would greatly assist in my efforts to rebuild my credit. 

This is a medical bill and should not be placed on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TN

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I submitted a dispute directly to TransUnion regarding the fraudulent address. Along with my dispute, I provided a police report confirming that the address is fraudulent and not associated with me. Despite this, TransUnion has failed to correct my file and continues to report the false address.

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 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
On XX/XX/XXXX I was contacted by Genesis and told that I have until the XXXX of XXXX to contact them to dispute charges. On the XXXX of XXXX I contacted requesting verification of debt. I never received verification of debt, on XX/XX/XXXX, XXXX, and XX/XX/XXXX attempted collecting the full amount, on XX/XX/XXXX I was given a 75 % settlement offer. Still with no verification written back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to the CFPB lawsuit against XXXX XXXX. I requested that any and all related XXXX XXXX accounts be deleted 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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
For a lie to me, I dont understand why you keep sending me these form letters instead of a real letter explaining exactly why you denied my fraud claim. Each time you find a different problem this time you said that my authorized user benefited from the purchases, thats just not true. We reported that that was the car that was stolen. We already told you that thats where all the charges came from was the authorized user card because thats the one that is missing we told you that its a very beginning we did not benefit. Nobody I know was benefited from it. I dont know why you would think that we have jumped through every hoop and then you say we didnt provide the information you requested you have not requested any information I would have responded if you wouldve sent me a letter asking for something but you havent asked for anything thats just a lie. Tell me exactly what is it that you need and we will provide it if you dont tell me then were just gon na keep going through this over and over again hes a fraudulent charges. I should have a XXXX balance and you know it. This is just the big bank trying to take advantage of a small consumer. And Im posted this where they can publish what Im saying and what your response responses are so other people can see the type of customer service youre providing.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me and need to be removed, Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION

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 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I tried calling these credit furnishers XXXX XXXX  and XXXX. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the 1099 files for these charged off accounts for tax purposes with the IRS. I should have received copies since it has been written off by their companies with IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
XXXX - {$14000.00} XXXX {$14000.00} XXXX, XXXX XXXX {$4100.00} Dispute was taken place. Accounts were supposed to be moved off of credit. The information listed above is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). According to this statute, consumer reporting agencies must ensure the highest possible accuracy of the information they report.

Additionally, your agency is in breach of [ 15 USC 1681b ] ( a ) ( 2 ), as I have not authorized the sharing of my private and confidential records. This constitutes a violation of my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).

I demand the immediate deletion of the aforementioned items from my consumer file. Failure to comply will compel me to pursue legal action to protect my rights.

These actions are classified as Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), which is a felony punishable by up to two years in prison and civil liabilities. I am seeking compensation for the following damages : 1 Permissible purpose - {$1000.00} 2 Defamation of character - {$1000.00} 3 Damaged reputation - {$1000.00} 4 Damaged creditworthiness - {$1000.00} 5 Damaged mode of living - {$1000.00} 6 Infringed right to privacy - {$1000.00} Cease the dissemination of this erroneous information immediately.

Company response to consumer: Untimely response