vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I sent Transworld Systems Inc. ( TSI ) a formal FDCPA debt validation request regarding a reported XXXX XXXX  balance of {$380.00}. I requested : A breakdown of the debt A copy of the original signed agreement Proof of Transworlds legal authority to collect TSI never provided validation within the statutory period. Despite this, on XX/XX/year>XXXX  the tradeline was updated on my credit report continuing to report the debt without validation, in violation of FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). 

Later, through my CFPB complaint, TSI submitted a single billing statement. Courts have held that a bill or computer screen print is not full validation because it does not establish ownership, assignment, or itemization. They also claimed to have mailed validation on XX/XX/year>XXXX but I never received it, and no certified/trackable proof was provided. 

As of today, the account continues to be reported as an unpaid collection, despite being unverified and disputed, in violation of FCRA 1681e ( b ), 1681i, 623 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I submitted multiple disputes to Experian, TransUnion, and Equifax regarding fraudulent accounts, hard inquiries, and personal information tied to identity theft. I provided legally sufficient Identity Theft Reports, police reports, proof of identity, and sworn affidavits, meeting all requirements under 15 U.S.C. 1681c-2 ( c ) ( d ).

Despite this, all three credit bureaus refused to comply with the law requiring them to block fraudulent information within 4 business days. Instead : Experian refused to block any fraudulent information and claimed investigations were completed, despite the same sham investigation practices for which CFPB is currently suing them ( XXXX XXXX, XXXX  ). 

TransUnion improperly marked fraudulent accounts as closed instead of removing them entirely, violating 1681c-2 ( b ). On XXXX XXXX XXXX, TransUnion sent me a data breach notice admitting my SSN and DOB were exposed directly supporting my identity theft claims but they still refused to block the fraudulent information. 

Equifax also marked fraudulent accounts as closed instead of removing them, the same practice for which CFPB fined them {$15.00} XXXX in XXXXXXXX XXXX 

Over the past 4 months, I filed XXXX CFPB complaints against the bureaus ( including Complaint IDs # XXXX, # XXXX, and # XXXX filed on XXXX XXXX XXXX  ). Each complaint was closed with generic company responses, but the violations continue today. 

As a result, fraudulent accounts, inquiries, and addresses remain on my credit files, causing ongoing harm to my creditworthiness and financial standing. The bureaus are in willful violation of 1681c-2, ignoring both my disputes and CFPB oversight, despite active CFPB enforcement actions against them for the exact same misconduct.

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 2025-09-23 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: OH

Complaint narrative:
This letter serves as a formal dispute of the late payment currently reported on my credit file. The entry is inaccurate, does not reflect my consistent payment history, and has caused undue harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries from my Credit profile off Experian, Equifax and TransUnion immediately! 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

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding fraudulent accounts listed in my credit report. I have no association with these accounts, did not authorize them, and never granted permission for their creation. Their inclusion is erroneous, misleading, and harmful, resulting in an inaccurate depiction of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
This company is continuing to report the Alleged account # XXXX under original creditor XXXX XXXX name after I've repeatedly asked for validation and verification only to be repeatedly ignored. I also filed bankruptcy on this account back in XX/XX/year> and all debt was discharged.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has been reporting a debt that doesn't belong to me. I've tried many times to resolve this and can't get anyone to help me. I'm a XXXX XXXX XXXX veteran and I had my information stolen before and I think it could be linked to the person who stole it. I've never heard nor done business with them or Check n Go. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint to put on federal record that the debt XXXX claims to have sold to Midland Credit Management can not be verified and has already been discredited by contradictory reporting and bureau deletions. 

XXXX reported conflicting charge-off and status dates across my reports ( including XX/XX/year> vs. XX/XX/year> ), creating inaccurate and misleading information. 

XXXX XXXX XXXX ( XXXX ) was briefly involved but then pulled back, further showing uncertainty about who had lawful right to the account. 

XXXX and XXXX have already deleted this account from my credit reports, which demonstrates the information was not verifiable. 

Only XXXX continues to report it, which puts them out of alignment with the other CRAs. 

Now XXXX states they sold the account to XXXX in XX/XX/year>, yet no proper debt validation has been provided. If XXXX attempts to report or collect on this account, they will be building on top of a record that has already been proven contradictory, unreliable, and removed by multiple credit bureaus. 

I want the CFPB to make clear that no company has the right to report, furnish, or attempt collection on an account that has already been deleted as unverifiable. Any attempt by Midland to do so would not only damage my credit standing but would also knowingly rely on inaccurate and misleading information in violation of the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: FL

Complaint narrative:
IN CORRECT INFORMATION ON MY CREDIT REPORT FRAUD AND IDENTITY THEFT AND INCORRECT REPORTING ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These Collection accounts need to be deleted from all three credit bureaus according to XXXX USC XXXX XXXX USC XXXX XXXX USC XXXX ( b )

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have a Robinhood account. Suddenly, they have blocked my ability to withdraw my money, and they keep on asking me to do Identity Verification, which I already did twice... but their computer is in a loop asking again and again nonstop... Result : They don't let me withdraw my money, and they don't have ANY support channel that actually works..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: HI

Complaint narrative:
The late payment being reported for XX/XX/year> is inaccurate and should not appear on my credit report. I have written confirmation from my servicer, XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, in which their Ombudsman Department approved suppression of the negative reporting for that month. Their letter clearly states that there would be no negative or positive reporting for XX/XX/year> and that I may use the letter as evidence until the credit bureaus update. Despite this, the late payment continues to appear. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), as the furnisher has already acknowledged the reporting was inaccurate. Please correct this error immediately by removing the XX/XX/year> late payment from my file.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
XX/XX/XXXX my joint account was restricted and set to close with no explanation. We have continuously reached out for information and given the same response that we would hear soon about receiving our balance. It has been a month and a half and no answers and all of our money held in this account we can not access can not close and can not speak with anyone about. I'm beginning to worry they're stealing our money. They will not allow me to speak with management and all they say is it's under review and we will hear soon. It's the same response from day one. Something isn't right. We're s family with XXXX kids and out of nowhere all of our funds were gone. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Collection accounts on my credit report appear to contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these accounts be reviewed, and if verification can not be provided, they must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My autopayment was not completed due to NSF on XXXX for {$4900.00}. 
As soon as I received notice of a problem with the account I made payment foe the total statement via another account my XXXX account, cancelled autopay and updated my payment method going forward to XXXX. 
AMEX then refilled my XXXX account. 
After repeated calls each representive has given me a different reason why they have not yet refunded the double payment. 
They refused to overnight mail a check and refused to refund any of my connected bank accounts. It has now been 14 days since the double payment. This is causing significant financial problems. AMEX has still to provide refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
" To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts listed in my credit file. I did not authorize or open these accounts, and their reporting is misleading and damaging. The presence of these accounts has negatively affected my credit record and financial standing.

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