vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Under 15 USC 1692g. Validation of debts. - Please delete immediately.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I had no idea about this debt until it appeared randomly on my credit score. They couldnt provide me a bill or statement and were really intent on me paying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX you file a lawsuit against me. Your whole complaint is about an account. You are supposed to be debt collectors not account collectors. You show a phony bill of sale with 5 different parties involved yet in the complaint you say you bought the " account '' from XXXX XXXX. Your affidavit was created before the lawsuit was even filed. The affidavit is all heresay. I was working in another state yet you use the posting on a door as we served you properly. Get a default against me and attempt to garnish my wages. You are violating usg 1692e. A lawsuit against me with false and misleading documents. I will be suing both Midland and XXXX and XXXX in small claims shortly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX, I was the victim of an online scam/fraud. I had been looking to buy a camper or motor home. On XXXX, I went to this site XXXX. I saw a motor home I liked. It was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
It was priced at XXXX dollars. I tried to call about it but my call went to voicemail. I waited for several hours to get a call back when it didn't come I went back to the site and they had a buy now button so i hit it figuring if the motor home had sold nothing was lost. I put in my info and got a call back. they still had the motor home and I was instructed to go to my bank and arrange a wire transfer. I told the lady it was to late to make it to my bank that day I would go tomorrow around XXXX. She said she would send me the information on where to wire the money then. The next day at XXXX I got an email with Instructions on where to have the Money wired to. It was to be wired to XXXX XXXX. I went to my bank Pen Fed and arranged the wire transfer. They were going to deliver the motor home to me 5 days after the transfer so they had time to get everything signed and notarized and arrange the transportation of the vehicle. On XXXX XXXX I was looking at the paperwork and noticed there was no vin number on the paperwork. I mentioned this to a friend and she did a check on the vin number and found out the Motor home had just been sold 3 days prior in XXXX. And along with that this same motor home was listed on three other sites in the states along with one site in XXXX. I called Pen Fed and told them what we had found out. The woman I had talked to seemed to think Pen Fed could help me get my money back. The next day I called back to find out what had been done or could be done. This time I talked to a man and he put me on hold to go talk to someone. When he came back he told me there was nothing Pen Fed could do since I had Initiated the wire transfer. I responded that I guessed I would have to report it to the police or FBI. He told me those were some of the options I had. I did make a report to FBI Cyber Crimes Division.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Escalation Demand for Permanent Deletion of Misleadingly Reported Account ( New Material Facts ) Dear Sir/Madam, I am submitting this letter as a formal escalation of my prior disputes, specifically regarding the XXXX XXXX account reporting a balance of {$32000.00} on my credit reports. 

Important : This complaint contains new material facts that were not included in any previous submissions : Misrepresentation by XXXX XXXX : I was explicitly informed that I qualified for an in-school deferment and that submission of the school verification form would secure approval. I submitted the form in reliance on this assurance, but only after submission was I informed that I was ineligible. This resulted in derogatory reporting. 
Recent Data Breaches : Both XXXX  and Equifax have recently experienced large-scale data breaches, compromising the reliability of the information they report. 

These new facts materially affect the accuracy, verifiability, and legality of the reported account and were not addressed in my prior disputes. Therefore, this submission should be treated as a new, escalated complaint, not a duplicate. 

Violations 1. Misrepresentation/ Deceptive Practices Misleading assurances constitute a potential violation of XXXX XXXX and FCRA 623 ( a ) ( 1 ) ( A ).

2. Unverifiable Information Due to misrepresentation and data breaches, the account is unverifiable. Under FCRA 611, unverifiable information must be deleted, not merely re-verified.

3. Credit Reporting Accuracy Under FCRA 1681e ( b ), reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable or compromised information fails this requirement.

Requested Resolution ( Final Demand ) 1. Permanently delete the XXXX XXXX account from all credit reports. 
2. Cease any future reporting of this account.

3. Provide written confirmation once deletion is completed.

Notice of Escalation Failure to comply will result in : Filing complaints with CFPB, NY XXXX, and NY Attorney General Pursuing legal action under FCRA 611 and 623, and XXXX XXXX XXXX XXXX damages, attorney fees, and permanent deletion Attachments Credit monitoring screenshot showing the account still reporting Documentation of in-school deferment submission Prior correspondence ( to show prior disputes ) Evidence of recent TransUnion and Equifax data breaches -A email from XXXX  that says they granted the postponement but it was still reported on my credit report as highlighted in screenshot of my credit monitoring and was reported in XXXX I expect a written response within 15 business days confirming permanent deletion. Continued reporting of inaccurate, misleading, or unverifiable information constitutes ongoing violations of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: OH

Complaint narrative:
I have sent dispute letters since XXXX asking for verification of the charge/ collection account for XXXX XXXX and XXXX XXXX XXXX and the amount stated. I have not received any responses.

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 2025-09-08 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: OH

Complaint narrative:
I have sent dispute letters since XXXX asking for verification of the charge/ collection account for XXXX XXXX and XXXX XXXX XXXX and the amount stated. I have not received any responses.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX i had just woke up after XXXX XXXX XXXX XXXX XXXX XXXX XXXX and went to go check my cashapp to see where i could go with the {$170.00} i had left in my savings account on cashapp and as i was tapping onto the app it had seemed like i had logged out so i attempted to log in and it showed a warning message stating This account doesnt exist or cant be recovered with no warning or anything from cashapp after finally receiving my card in the mail the day before. So i called customer support and contacted help via chat support. According to them my account had been deactivated but couldnt go into full details on what went wrong or how i could resolve the issues so i could get a night at a hotel with the money i had saved. They informed me if i made a new account they would transfer the {$170.00} to my new account as long as my new account is associated with the same phone number and i had verified my account. So i followed through with all of their instructions with 3-4 different people and allegedly they couldnt do nothing for me past that point nor could they explain why my account was deactivated because it was private information. So not only did i lose my cashapp account but i also lost {$170.00} that my dad had sent me and supposedly they couldnt do nothing to help me after i finished every step to getting it all back. i got fed up after some point and im now trying to seek help because im not the only one that this has happened to but im homeless so i cant let stuff like this go lightly. at this point im very upset and disappointed that this had to happen to me at a vulnerable time in my life. i just want a resolution and if not i just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have attempted to reach a live customer representative to replace a lost debit card and clarify why my account states " Invalid Account Status. '' My payment was due to be paid to me on XX/XX/year>, and I have been reaching out for 35 days with no success. 
As a person with XXXX, this is incredibly infuriating. I am late on bills.

Company response to consumer: Closed with explanation