vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I signed up for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. XXXX told me they would send a network expander, but I never received it. Since I couldnt use the service, I returned the device in XX/XX/year> using VXXXX XXXX XXXX XXXX 

When I first called XXXX, they said the issue would be resolved and that my account would be corrected. I assumed the account would be disconnected, but it wasnt. Later, I received a new bill for {$260.00}, even though I wasnt using any service. 

I called again, and thats when XXXX finally disconnected my account. They applied a small credit of {$62.00}, which reduced the total balance to {$200.00}, but the charge was still incorrect. 

I contacted XXXX again and was given a case number, and the representative told me the balance would be resolved within XXXX hours. However, the correction never happened. 

Soon after, I received a debt collection letter for the {$200.00} balance. I called XXXX XXXX last time, and thats when they told me the case number didnt exist, they couldnt locate my returned device, and that they couldnt remove the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — VA 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: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a complete loan-modification application to New American Funding after my forbearance ended XX/XX/XXXX. The company never provided written acknowledgment, tracking information, or a status update confirming receipt, in order to receive any update, I repeatedly called their loss-mitigation department, XX/XX/XXXX even then they tried to convince me that I didn't need a loan modification and that I just need to sell the property before the auction date however they informed me that my loan modification was still " under review ''. I asked why my home was placed in active foreclosure while I was still in loss mitigation and under review for loan modification and they said they do it all of the time and that I don't have anything protecting me as a XXXX Veteran/homeowner. 

On XX/XX/XXXX, while my application was still under review, New American Funding issued a Notice of Acceleration of XXXX XXXX, demanding full payment of the loan balance. I later learned that a foreclosure auction was scheduled for XX/XX/XXXX. 

According to my most recent mortgage statement dated XX/XX/XXXX, my outstanding principal balance was {$410000.00}, my escrow balance was {$4200.00}, and the total amount due was {$23000.00}.

These actions occurred while my loss-mitigation review was active and before any written decision was provided. I have sent multiple written Notices of Error and Requests for Information asking the company to suspend foreclosure activity, assign a single point of contact, and provide written confirmation of my application status, but no written response or correction has been received.

I am requesting immediate intervention to require New American Funding to suspend all foreclosure and sale activity, rescind the acceleration notice, and complete the loan-modification review in compliance with federal servicing and VA loan regulations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: NY

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Date : XX/XX/year> Subject : Formal Complaint Inaccurate and Unverified Collection Reporting by TEK-Collect Inc Summary of Complaint I am submitting this complaint regarding an account being reported by TEK-Collect Inc , located XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX The account originates from XXXX XXXX XXXX XXXX XXXX and shows a reported balance of {$2800.00} as of XX/XX/year>. It is marked as Item in dispute by consumer, yet the company continues to report the account to XXXX  and other consumer reporting agencies.

Despite previous disputes, TEK-Collect Inc has failed to provide proper validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which obligates debt collectors to supply full verification upon request.

The companys continued reporting of an unvalidated balance constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2, which require data furnishers to ensure that information supplied to consumer reporting agencies is accurate, complete, and verifiable.

By maintaining this trade line without evidence of debt ownership, contract, or itemized statement, TEK-Collect Inc is furnishing inaccurate and potentially misleading information. This ongoing reporting harms my creditworthiness and violates federal consumer-protection standards.

Requested Resolution I respectfully request that the CFPB compel TEK-Collect Inc to : 1.Provide full written validation of the alleged debt per 15 U.S.C. 1692g, including : A copy of the original signed agreement or enrollment document.

An itemized account history or invoice substantiating the {$2800.00} balance. 
Proof of their authority to collect and furnish data on behalf of XXXX XXXX XXXX. 
2.Suspend all collection and reporting activity until validation is produced.

3.Delete the account from all consumer credit reports if verification can not be provided, pursuant to 15 U.S.C. 1681i and 1681s-2.

4.Ensure compliance with the Truth in Lending Act ( 15 U.S.C. 1637 ( 2 ) ) by confirming that any financial disclosures or billing statements associated with this alleged obligation were lawfully issued.

Attachments Screenshots from my XXXX  report showing the TEK-Collect Inc account and payment history.

Prior dispute confirmation referencing this same account. 



Certification I declare that the information provided in this complaint is true and accurate to the best of my knowledge and belief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
This company needs to close my accounts and remove all data and profiles from it's online database!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I dispute the accuracy and validity of the above-referenced account as it appears on my consumer credit reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to ensure the accuracy and integrity of any information you furnish to consumer reporting agencies.

I hereby demand that you immediately cease and desist from reporting or continuing to report any inaccurate, misleading, or unverifiable information related to this account to any credit reporting agency, including but not limited to XXXX, Experian, and XXXX, until such information has been properly verified in compliance with federal law.

Specifically, I request the following : 1. Conduct a thorough investigation into the accuracy of all information reported concerning this account.

2. Provide written documentation supporting the validity of the account, including original signed agreements, payment history, and any records substantiating your reporting.

3. If you can not provide verifiable documentation within 30 days as required by the FCRA, you must immediately delete or correct the disputed information from all credit reporting agencies. 
Please note that continued reporting of inaccurate information after receipt of this notice constitutes a willful violation of the FCRA and may subject your company to legal liability, including civil damages and attorneys fees under 15 U.S.C. 1681n and 1681o.

I also request that you cease any collection activity or communication regarding this account, except to confirm receipt of this notice or to provide documentation verifying the validity of the alleged debt.

Please respond in writing within 30 days of receipt of this letter to confirm your compliance.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I dispute the accuracy and validity of the above-referenced account as it appears on my consumer credit reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to ensure the accuracy and integrity of any information you furnish to consumer reporting agencies.

I hereby demand that you immediately cease and desist from reporting or continuing to report any inaccurate, misleading, or unverifiable information related to this account to any credit reporting agency, including but not limited to XXXX XXXX and TransUnion, until such information has been properly verified in compliance with federal law.

Specifically, I request the following : 1. Conduct a thorough investigation into the accuracy of all information reported concerning this account.

2. Provide written documentation supporting the validity of the account, including original signed agreements, payment history, and any records substantiating your reporting. 
XXXX. If you can not provide verifiable documentation within 30 days as required by the FCRA, you must immediately delete or correct the disputed information from all credit reporting agencies.

Please note that continued reporting of inaccurate information after receipt of this notice constitutes a willful violation of the FCRA and may subject your company to legal liability, including civil damages and attorneys fees under 15 U.S.C. 1681n and 1681o.

I also request that you cease any collection activity or communication regarding this account, except to confirm receipt of this notice or to provide documentation verifying the validity of the alleged debt. 
Please respond in writing within 30 days of receipt of this letter to confirm your compliance.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally notify you that I dispute the accuracy and validity of the above-referenced account as it appears on my consumer credit reports. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are required to ensure the accuracy and integrity of any information you furnish to consumer reporting agencies. 
I hereby demand that you immediately cease and desist from reporting or continuing to report any inaccurate, misleading, or unverifiable information related to this account to any credit reporting agency, including but not limited to Equifax, XXXX XXXX XXXX until such information has been properly verified in compliance with federal law. 
Specifically, I request the following : XXXX. XXXX a thorough investigation into the accuracy of all information reported concerning this account. 
XXXX. Provide written documentation supporting the validity of the account, including original signed agreements, payment history, and any records substantiating your reporting. 
XXXX. If you can not provide verifiable documentation within 30 days as required by the FCRA, you must immediately delete or correct the disputed information from all credit reporting agencies.

Please note that continued reporting of inaccurate information after receipt of this notice constitutes a willful violation of the FCRA and may subject your company to legal liability, including civil damages and attorneys fees under 15 U.S.C. 1681n and 1681o.

I also request that you cease any collection activity or communication regarding this account, except to confirm receipt of this notice or to provide documentation verifying the validity of the alleged debt. 
Please respond in writing within 30 days of receipt of this letter to confirm your compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: OH

Complaint narrative:
This account was charged off on the following date Since then the date of last activity has been inconsistently updated. On Equitax the date last active and on Transunion if the information is coming from the original creditor the dates should be the same. We can not say these account are XXXX % accurate so it is deemed INACCURATE. Please delete this account 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
This XXXX company needs to close my accounts and remove all of my data and profiles from it's online database!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-11-06 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: CA

Complaint narrative:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization.

The fraudulent account is XXXX  XXXX XX/XX/XXXX ( Account Number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The fraudulent inquiries are XXXX XXXX - XX/XX/XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Identity Theft Request to Block Fraudulent Account and inquiries under FCRA 605B I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent account and inquiries were initiated without my knowledge or authorization.

The fraudulent account is XXXX  XXXX XX/XX/XXXX ( Account Number - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The fraudulent inquiries are XXXX XXXX - XX/XX/XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law. I am not requesting a fraud alert to be placed on my credit file.

Do not place any fraud alert or security alert on my credit report as part of this request.

Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law.

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 2025-11-05 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:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I sent XXXX rounds of dispute letter, yet the same in accurate info still remains.

Company response to consumer: Closed with explanation