vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am writing to file a formal complaint against Transworld Systems XXXXnc. ( TSI ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been attempting to resolve this matter directly with the company, but their actions have been in direct violation of my rights as a consumer.

I sent Transworld Systems Inc. a certified letter disputing the validity of an alleged debt and requesting validation, verification, and other clarifications in accordance with 15 U.S.C. 1692g of the FDCPA. I also explicitly requested that they cease all communication through calls, texts, and emails, as permitted by 15 U.S.C. 1692c ( c ). 
I have received no response from Transworld Systems Inc. providing the requested validation or any of the other information I demanded in my letter.

Despite the pending dispute and my clear request for validation, Transworld Systems Inc. has reported this alleged, unverified debt to my consumer credit report. This action is a direct violation of 15 U.S.C. 1692g ( b ), which requires a debt collector to cease all collection activities ( including credit reporting ) until they have provided verification of the debt. Furthermore, my research suggests that Transworld Systems Inc. may not be licensed to collect debts in the State of New York, a requirement for debt collection agencies operating in this jurisdiction. The actions taken by Transworld Systems Inc. in this matter are unacceptable and represent a clear pattern of non-compliance with federal and state law. Their failure to validate a disputed debt while continuing to report it to credit bureaus is a serious violation of my consumer rights under both the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NY

Complaint narrative:
Social security number XXXX complaint the negative account charge off ending in XXXX and XXXX XXXX balance is XXXX and other ending in XXXX has balance of XXXX XXXX XXXX accounts that are charge off supposed to be removed like they removed the others recently normally they remove negative account information i have a federal trade commission identity report on filed please have TransUnion Legal Department removed the XXXX negative account XXXX ending in XXXX and XXXX their both charge off their federal trade commission identity report on filed and on experian theirs a negative amount ending in XXXX supposed to be removed that's 30 days late

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 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
On XX/XX/year>2025, I first contacted Radius Global Solutions, LLC about a collection account showing on my credit report. During that call, I was told that Radius could not delete the account even if paid in full, as they were only collecting on behalf of XXXX XXXX, and that XXXX would need to authorize any deletion. 

Later that same day, at approximately XXXXXXXX XXXX I called XXXX XXXX and spoke with a representative named XXXX, who told me that if I paid the full balance of {$230.00} with him during that call, the collection account would be removed from all three credit bureaus within XXXXXXXX XXXX I paid the full amount immediately based on that promise. 

More than XXXX  days have passed, and the collection has not been deleted. In fact, it now shows a small remaining balance something that was never disclosed or agreed to. 

I followed up again on XX/XX/year>2025, and this time XXXX told me they can not control what Radius does, while Radius had previously told me they only act based on what XXXX instructs. This contradiction has left me stuck in the middle, with no accountability from either party. 

This ongoing issue has halted a time-sensitive home refinance, and is financially harming me. I acted in good faith and fulfilled my part of the agreement.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
in XX/XX/year>, I discovered that my information have been compromised and I fell victim to third parties having exposure to my personal information and social security number. There are XXXX fraudulent accounts on my credit report. XXXX {$7200.00}, XXXX XXXX {$1600.00}, XXXX XXXX XXXXXXXX {$540.00}, XXXX XXXX {$2600.00}

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 2025-08-03 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
b'I am writing to formally dispute an account listed on my credit report, originally held by Capital XXXX  and now being reported by XXXX XXXX XXXX\n\nThis account was sold or transferred without my knowledge or consent, and I was never properly notified by Capital XXXX. I also did not authorize the sharing of my personal or account information with XXXX XXXX XXXX or any other third-party collection agency. Under the Fair Credit Reporting Act (FCRA), consumers have the right to privacy, accurate reporting, and fair notice of account actions that affect their credit profile.\n\nWhile the account may reflect correct payment dates or amounts, the transfer and data sharing were unauthorized, and I was denied the opportunity to address or resolve the debt directly with the original creditor. This is a violation of my rights under the FCRA and has resulted in an account that is now negatively affecting my credit.\n\nI am formally requesting that the credit bureau:\n\t\tMark this account as in dispute by the consumer\n\t\tInitiate a reinvestigation under the FCRA\n\t\tRequire Capital XXXX  or XXXX  XXXX XXXX to provide proof that I was notified of and consented to the sale or data sharing\n\t\tConsider removal or suppression of this account if such documentation cannot be produced\n\nAttached are copies of my identification and proof of address to assist with verifying my identity.\n\nPlease confirm receipt of this dispute in writing, and provide your findings once the reinvestigation is complete, as required under the FCRA.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a prescription hoodie and an XXXXXXXX XXXX from the company free the sheep That company has no phone number for contact. 

I only received one item ( prescription hoodie ) and the other item I purchased did not arrive. This was in the middle of May. I have been disputing and waiting for resolution for months. 

I paid XXXX for 2 items. Only one item arrived. Both items cost the same. 

I am entitled to XXXX $ or the XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute for the collection account reported by XXXX XXXX XXXX ( XXXX ). 

I mailed formal disputes between XX/XX/XXXX and XX/XX/year>, requesting verification and deletion of several inaccurate collection accounts. Equifax completed the re-investigation on XX/XX/year>, but never provided a written explanation of their findings, which is required under FCRA 611 ( a ) ( 6 ).

While every other account I disputed was properly deleted, the XXXX account remains yet no explanation has been given for why this specific account continues to report or how it was verified. No original signed contract, chain of assignment, forward flow agreement, or itemized account history has been provided. 

In addition, I was not sent a free updated credit report or a description of the re-investigation procedure used to verify the XXXX account both of which are required by law. 
This violates several sections of the FCRA : FCRA 611 ( a ) ( 6 ) : Failure to provide written reinvestigation results FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) : Failure to provide an updated credit report FCRA 611 ( a ) ( 7 ) : Failure to provide the re-investigation method FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable information The XXXX account is being reported inaccurately and without proper validation. The balance is inconsistent, and the reported terms do not match any agreement Ive signed. 
I am requesting that Equifax immediately delete the XXXX account if it can not be verified with complete documentation. I also request a written explanation of how the account was verified and a free copy of my updated credit report reflecting any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: IL

Complaint narrative:
Had a gentleman named XXXX XXXX call me saying hes from the foreclosure department and if insend him XXXX dollars he can stop the foreclosure of my home. Then come to find out he wanted me to go to XXXX which indid because in a panic on not trying to lose my home i did it. he is a scammer

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 2025-08-03 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: Receivables Management Corporation
State: GA

Complaint narrative:
The company response did not address the core issue raised in my complaint. My original complaint was against Receivables Mgmt Corp for violating FDCPA XXXX ( c ) by continuing to contact me after I sent a certified cease-communication letter. However, the complaint appears to have been routed as a credit reporting issue and answered by XXXX  which is unrelated to my claim. 
As a result : The wrong company responded. My complaint was about Receivables Mgmt Corps illegal communications, but XXXX  responded about updating credit reporting data. 

The FDCPA violation was ignored. There is no mention of Receivables Mgmt Corp stopping communication, reviewing my cease-communication letter, or compliance action being taken. 

Resolution was incomplete. The response only references a credit report update and instructs me to check my credit file, without addressing the unlawful contact behavior.

I request that the CFPB reopen or refile this complaint under Debt Collection Communication tactics so that the correct party ( Receivables Mgmt Corp ) is required to respond to the actual FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
So I'm a victim of identity theft and I have a police report to support that and also have a Federal trade commission report to support those unauthorized charges on the PayPal account they told me that they would reimburse me my money they have yet to do that they have not pay me my money and also if you go on my paypal.com do my transactions the merchants reimburse me but PayPal did not give me that money my account is now froze I can't get in my account and also PayPal took my account to a negative I was not in the negative I shouldn't be negative PayPal have a creditor calling me saying I owe them no that's not right that's not fair they owe me the merchants of those unauthorized charges they paid they paid it back but PayPal didn't give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX OR File online : https : //www.consumerfinance.gov/complaint/ Subject : Complaint Regarding Unauthorized Hard Credit Inquiries To Whom It May Concern : I am submitting this complaint to bring to your attention a serious issue regarding unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. 

On or around XX/XX/year>, several companies performed hard credit inquiries in my name without my knowledge or consent. These inquiries are not the result of any loan application, account opening, or credit-seeking behavior on my part. 

The companies that accessed my report without permission include : 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 These unauthorized inquiries are damaging my credit score and were not initiated or authorized by me. 

I have contacted the credit bureaus and requested a formal investigation and removal of these inquiries. I am requesting the CFPB to investigate how these inquiries were allowed and to hold the furnishers accountable under the FCRA and FACTA for illegal access to my credit file. 

Please let me know what additional information is needed. I am attaching a copy of my ID and relevant pages of my credit report. 

Thank you for your assistance. 

Sincerely, 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
as of recently, I had a credit check and discovered fraudulent accounts on my credit report that were not done by me. After research I discovered my personal information and social security number was stolen to acquire these fraudulent accounts, XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX {$780.00}, XXXX  {$5600.00}, XXXX XXXX XXXX {$1500.00}

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