vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
b'CFPB Complaint  Transworld Systems, Inc.\n\nCategory: Debt collection  Attempted to collect wrong amount / debt not verified \nCompany: Transworld Systems, Inc.\nReference Account: XXXX XXXX  Acct. No.XXXX\n\nWhat Happened\n\nTransworld Systems, Inc. is reporting an American Express account that has been handled by multiple agencies, including XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX.\nEach collector reports conflicting data for the same alleged account  including different Date Opened, Date of Last Activity, Date of Last Payment, and Comments/ Status fields  causing the account to appear as multiple debts on my credit reports.\n\nI disputed these errors in writing with the credit bureaus and with Transworld directly by certified mail. Each dispute was delivered and signed for (XXXX  XXXX  receipts attached). # XXXX XXXX XXXX XXXX XXXX XXXX\nDespite receipt, Transworld failed to provide proper validation or to mark the tradeline as disputed, continuing to furnish inaccurate information. This conduct violates FDCPA  1692g(b) and FCRA  1681s-2(a)(3) and (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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: 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: DC

Complaint narrative:
I am filing this complaint against TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ). I am a verified victim of human trafficking, debt bondage, and identity theft, and I have provided TransUnion with proper victim determination documentation, proof of identity, and address verification as required by federal law.

Despite submitting a formal legal demand, TransUnion has failed to properly investigate, block, and remove fraudulent and coercion-based information from my credit file as mandated by the FCRA. The information in question was the result of trafficking-related coercion and identity theft, and therefore must be permanently blocked and deleted under federal law.

Items that should have been deleted or blocked : Addresses to delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer to delete : XXXX XXXX XXXX Accounts to block : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5800.00} Hard inquiry to remove : XXXX XXXX XX/XX/XXXX Under FCRA 605C, TransUnion is legally required to block all information resulting from human trafficking once valid documentation is submitted. Under FCRA 605B, TransUnion must block all information resulting from identity theft within four business days of receiving notice and verification.

TransUnion has failed to comply with these statutory obligations by continuing to report these accounts, addresses, and inquiries despite being notified with full documentation. Their inaction has caused ongoing harm, emotional distress, and damage to my credit reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$740.00} XXXX Date Opened XX/XX/XXXX Balance {$14000.00} XXXX  Date Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX CXXXX 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
validation of these accounts, please remove inaccruate information asap!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
validation of these accounts, please remove inaccruate information asap!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX ( FCRA XXXX ) and XXXX U.S.C. XXXX ( FCRA XXXX ). I am a verified victim of human trafficking, debt bondage, and identity theft, and I have submitted all required documentation, including a certified victim determination, proof of identity, Social Security number, and current address, to TransUnion. 

Despite receiving my formal legal demand and supporting evidence, TransUnion has not properly investigated, blocked, or removed fraudulent and coercion-based information that continues to appear on my credit report. Under FCRA XXXX, consumer reporting agencies must block any adverse information that resulted from human trafficking once valid documentation is provided. Under FCRA XXXX, they must also block all information resulting from identity theft within XXXX business days after receiving notice and verification. 

TransUnion has failed to uphold these legal obligations. The continued reporting of the following items constitutes a violation of my consumer rights and federal law. 

Addresses to delete : XXXX XXXX XXXX, XXXX, NY XXXX Employers to remove : XXXX XXXX  Not Applicable Accounts to block : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXXXX/XX/XXXX- XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XX/XX/XXXX - {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$1400.00} Hard inquiries to remove : XXXX  - XX/XX/XXXX XXXX FCU - XX/XX/XXXX TransUnions failure to delete or block this information has caused ongoing harm, including emotional distress, credit denials, and further victimization. Their refusal to comply with FCRA XXXX and XXXX demonstrates a pattern of negligence and disregard for federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am officially asking for the deletion of this incorrect account from my credit report, as I never authorized its creation or use. I have included the necessary documentation to verify my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I previously filed a dispute with TransUnion on XX/XX/year> and submitted a CFPB complaint ( CFPB ref # XXXX ). I have also recently filed a new TransUnion dispute through the TransUnion portal. TransUnion has a history of marking my tradelines verified without producing original source documents, original signed contracts, or assignment documentation proving the accuracy of the accounts. TransUnion must conduct a reasonable reinvestigation under 15 U.S.C. 1681i and is required to delete any item that can not be verified.

I request CFPB assistance to ensure TransUnion provides the exact documents and methods used to verify each tradeline or to delete the tradelines if such proof can not be produced. I have submitted supporting documentation and a written FCRA dispute statement, but TransUnion continues to report these items without lawful verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: MN

Complaint narrative:
I had pulled money out of my bank account onto Cashapp but my money had left my account and it was not me who had used my money. I had an amount of {$880.00} total on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Herbert P. Sears Co., Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of information reported by you regarding my credit profile and to formally demand the removal of this information as it violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I believe that the information you have reported is inaccurate and has negatively impacted my credit score. Under 1681, I have the right to challenge the validity of any information that is reported about me. Therefore, I request the immediate removal of the following inaccurate information from my credit profile : - [ ALL ACCOUNTS ASSOCIATED WITH XXXX XXXX XXXX XXXX ] Additionally, I request that you provide me with documentation that verifies the accuracy of the information you have reported. If you can not provide such verification, I expect the immediate removal of the disputed information from my credit profile. Please treat this letter as a formal request for the necessary action. I expect a response within 30 days of your receipt of this letter. If this matter is not resolved satisfactorily, I will have no choice but to escalate it to the appropriate regulatory agencies and seek legal counsel to protect my rights. Thank you for your prompt attention to this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I never authorized its creation or use. Included are the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: DE

Complaint narrative:
I received a letter from an XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX ( attached XXXX ), for an apparent medical debt in the amount of {$3300.00} for services provided on XX/XX/XXXX, that they are claiming I owe them. I am not familar with this company nor have I ever used their services. 

A certified letter ( attached XXXX & XXXX ) was sent to them by me requesting validation, but as expected, the documents they sent ( attached XXXX ) did not provide any validation or verification that I have any outstanding debt owed as claimed by APEX Asset Management , LLC. The documents provided are a collection of random unsigned papers filled with unfamiliar and incorrect personal information.

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

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I never authorized its creation or use. Included are the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I state that the false late payment entries on my accounts are in violation of 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: MD

Complaint narrative:
XXXXRausch Sturm LLP has attempted to collect and report an alleged XXXX XXXX debt that has also been handled by XXXX XXXX XXXX XXXX. Each collector, along with XXXX XXXX, is furnishing conflicting information to the three major consumer reporting agencies  XXXX XXXX, and XXXXThe reported inconsistencies include different Date Opened, Date of Last Payment, Date Last Reported, and Account Status/Comments fields for what appears to be the same obligation.\nThese conflicts make my credit file materially inaccurate and misleading in violation of FCRA 1681e(b) and 1681s-2(b).\n\nI previously sent certified disputes to both XXXX XXXX  and Rausch Sturm LLP, and each was received and signed for (USPS Form 3811 attached).\nDespite receiving notice, Rausch Sturm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to furnish inaccurate data and failed to mark the account as disputed, violating FDCPA 1692g(b) and 1692e(8).\n\nThis pattern shows reckless disregard for data accuracy and consumer rights.'

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

Complaint narrative:
PayPal took my money my check over at dispute that it happened against myself which I had taken care of I am an XXXX patient I get XXXX XXXX once a month and I have trouble remembering things so I disputed a case against myself and then I found out that it was me that did that and I got it fixed with my Banks they found out that I did I let them know that I did and then it was fixed and they still will not let me have my money I need my money so I can pay my bills and get my meds or I will die I've told them this and they don't care I or my family will see them for wrongful death if I am going to die because I can't get my medication and I'm going to end up homeless! Please help me please

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

Complaint narrative:
I am officially asking for the deletion of this incorrect account from my credit report, as I never authorized its creation or use. I have included the necessary documentation to verify my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREENSTATE CREDIT UNION
State: GA

Complaint narrative:
I am writing to dispute the accuracy of information reported by you regarding my credit profile and to formally demand the removal of this information as it violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I believe that the information you have reported is inaccurate and has negatively impacted my credit score. Under 1681, I have the right to challenge the validity of any information that is reported about me. Therefore, I request the immediate removal of the following inaccurate information from my credit profile : - [ ALL ACCOUNTS ASSOCIATED WITH XXXX XXXX XXXX XXXX ] Additionally, I request that you provide me with documentation that verifies the accuracy of the information you have reported. If you can not provide such verification, I expect the immediate removal of the disputed information from my credit profile. Please treat this letter as a formal request for the necessary action. I expect a response within 30 days of your receipt of this letter. If this matter is not resolved satisfactorily, I will have no choice but to escalate it to the appropriate regulatory agencies and seek legal counsel to protect my rights. This account has also been ONLY taken off of XXXX! Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation