vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: DE

Complaint narrative:
Complaint Summary : I am reporting an unlawful debt collection attempt by XXXX XXXX XXXX, which is attempting to collect additional money on a Delaware judgment that has already been fully satisfied. 

Details : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX ; Phone : XXXX ; Website : www.stillmanlaw.com ) obtained a judgment against me in the XXXX XXXX XXXX XXXX of the Peace Court No. XXXX ( XXXX XXXX. XXXX ) on XX/XX/XXXX. The total judgment amount, including post-judgment interest and court costs, was {$16000.00}, as stated in the courts XXXX of XXXX dated XX/XX/XXXX. 

Between XX/XX/XXXX, and XX/XX/XXXX, that full amount of {$16000.00} was paid in full through wage garnishments administered by my employer. These payments satisfied the judgment balance listed in the courts writ. 

However, on XX/XX/XXXX, XXXX XXXX XXXX sent me a new collection letter demanding an additional {$1000.00} for alleged post-judgment interest. This demand is not authorized by the court and appears to be an attempt to collect an amount not permitted by law or court order. 

In Delaware, under XXXX XXXX. XXXX XXXX ( a ), post-judgment interest is fixed by statute, and a creditor can not collect more than what the court awarded without obtaining an amended judgment or court order. XXXX XXXX has not done so. Their attempt to collect more money beyond the total specified in the writ violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( false or misleading representation ) and 1692f ( 1 ) ( collection of an amount not expressly authorized by law ). 

I have also discovered that XXXX XXXX does not have any attorneys licensed to practice in Delaware, meaning their debt collection activities in this case XXXX also constitute the unauthorized practice of law under Delaware Rule of Professional Conduct XXXX and XXXX XXXX. XXXX XXXX. 

I have disputed this debt in writing and requested validation on XX/XX/XXXX. I am requesting that the CFPB investigate this firms conduct for : Attempting to collect an amount not authorized by law ; Misrepresenting the balance due after the judgment was satisfied ; and Potentially engaging in unauthorized legal practice and improper collection activity in Delaware. 

Supporting Documents : I am attaching : The Writ of Garnishment ( dated XX/XX/XXXX ) Proof of payments showing full satisfaction of {$16000.00} The collection letter from XXXX XXXX dated XX/XX/XXXX My written dispute letter dated XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I am filing a complaint against XXXX  for inaccurate credit reporting and failure to conduct a reasonable investigation in violation of the FCRA. 

XXXX  is reporting a {$220.00} collection from IC System XXXX on behalf of XXXX. This information is inaccurate and only appears on XXXX  not XXXX  or XXXX. 

I have filed XXXX disputes with XXXX  : XXXX. Dispute XXXX XXXX Opened XX/XX/XXXX Closed XXXX days later without a proper investigation XXXX. Dispute XXXX  XXXX Filed XX/XX/XXXX On XX/XX/XXXX, XXXX  incorrectly stated the account was still open XXXX. Dispute XXXX XXXX Filed XX/XX/XXXX Filed as fraud because previous disputes were handled improperly and not thoroughly investigated Before filing any disputes, I contacted both XXXX  and IC System directly on XX/XX/XXXX. They confirmed on recorded calls that : No account exists with them The balance was paid and closed in XX/XX/XXXX There is no outstanding debt owed under my name Despite this, XXXX  continues to report the debt as open and refuses to remove it, causing ongoing harm to my credit. 

I have requested documentation showing how XXXX  verified this debt, and they have not provided any proof. 

I am requesting : - XXXX deletion of the inaccurate collection - Documentation XXXX  relied upon to verify the debt - Confirmation that this issue is fully resolved XXXX  has repeatedly failed to investigate correctly and continues to report false information, I need regulatory assistance to force 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been telling this debt collection agency that the debt they reported on my credit was before I validated the debt, and I never had an outstanding balance with XXXX when I ported my number to my current provider and continued using the same number. I was granted a refund because they had drafted more money from my account. I filed a dispute with my bank and won the claim. Then I sued XXXX for leaking my data, which caused identity theft, and I won. I have never received the XXXX  XXXX letter to dispute the alleged debt. I disputed it with the credit bureaus, and XXXX  is claiming the debt is valid, which is a lie. I have proof that the payment was made through my banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards regarding an account that continues to harm my credit profile after being sold. 

Account Information : Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Jefferson Capital Systems Account XXXX : Auto Loan / Installment Original Balance : {$16000.00} ( approx. ) Summary of Violations : XXXX. FCRA 623 ( a ) ( 1 ) ( A ) : XXXX continues furnishing data on a debt it no longer owns. Once sold, the tradeline must report a {$0.00} balance and cease updating. Instead, XXXX repeatedly updates as closed/charge-off with inconsistent dates and balances. 
XXXX. FCRA 607 ( b ) : Failure to maintain maximum possible accuracy. My reports ( XXXX, XXXX, and XXXX  ) show contradictory statuses ( closed, collection, sold, charge-off ), proving negligent data verification. 
XXXX. XXXX XXXX Guidelines : A sold account must be coded as Account Status XXXX  XXXX ( Transferred/Sold ) and Current Balance XXXX XXXX. XXXX is updating contrary to XXXX XXXX reporting rules. 
XXXX. FDCPA XXXX ( b ) : Jefferson Capital Systems has never provided written validation or the chain of title despite being requested. 
XXXX. Permissible Purpose Violation FCRA 604 : Neither company has permissible purpose to continue furnishing or accessing my credit report once the debt was transferred and closed. 

Impact : These actions have caused multiple credit denials, emotional XXXX, and measurable financial harm. The ongoing dual reporting by XXXX and XXXX XXXX is misleading, unfair, and violates federal consumer-protection laws.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the removal or correction of the following inquiries and late payment information on my credit report. 

Inquiries XXXX XXXXXXXX, XXXX Late Payment : XXXXXXXX XXXX  Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
On XX/XX/year>, I received a fraudulent debt collection email from XXXX XXXX using the address XXXX, purporting to represent XXXX XXXX XXXX XXXX and claiming a balance of {$270.00} under Ref XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The message was routed through XXXX marketing infrastructure, not a secured debt collection system. It included links to a payment portal and threatened to report the alleged balance to commercial and consumer credit bureaus. I have no contractual relationship with XXXX, and any prior interaction was terminated at inception due to XXXX breach of the agreement. The collector provided no substantiating documentation or validation notice as required under the Fair Debt Collection Practices Act. This email constitutes a deceptive and unlawful attempt to collect a nonexistent debt, employing false representations of credit authority and misusing my professional name and firm identity in the header.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have requested validation of the alleged debt from the debt collector on XXXX separate occasions, each sent via certified mail with proof of delivery. To date, the debt collector has failed to provide the required documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have no record of any written agreement between myself and the debt collector that grants them the authority to collect on this alleged debt.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe are inaccurate and need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please review and verify the information. If the information can not be verified, I request that it be removed from my credit report. Below is the list of items in dispute, separated by credit bureau : Inquiries 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 2025-11-05 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:
I respectfully request that Experian review the accounts listed below for accuracy. Any account information that can not be verified should be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXXXX/XX/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 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I was in a XXXX home XX/XX/year> and I was told I was eligible for XXXX. When I was approved for XXXX they said all my past bills would be paid. My brother did not believe it so I called XXXX again stressing ALL. XXXX said they would be paid. 
About XXXX I received a box of invoices from Transworld Systems XXXX with {$1700.00} worth of medical bills. I telephoned XXXX and inquired as to why I was never told these invoices were open. I asked them if I could be put on a payment plan, as I was prior to XX/XX/year>. They. Said no. I explained to them when my husband died I dealt with several collection agencies and some of them even though I had paid the amount in full continued to take money out of my checking account and I was very fearful of dealing with a collection agency again. I spoke to someone at PA XXXX XXXX XXXX and they never got back to me.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I am filing a Metro 2 factual dispute against First Credit Services for reporting an open collection for {$710.00} without providing validation or complete, accurate Metro 2 fields. The tradeline appears as an open collection ( placed for collection ) with a reported balance of {$710.00}, but no itemization, no original creditor contract, no notice history, and no proof of permissible purpose have been provided. This continued derogatory reporting despite disputes violates the FCRA ( 15 U.S.C. 1681s-2 ( b ), 1681i ).

I requested validation documents ( contract, itemized balance by component, statements, assignment/placement agreement, and proof of mailing of any required notices ), and corrected Metro 2 reportingor deletion if they can not validate, it's been over 60 days no response from bureaus or from you

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One restricted my accounts on XX/XX/XXXX and asked for proof of income. I submitted documents containing proof of income, but they said these documents were unacceptable, which I disagreed with. I called several times asking for information, and submitted additional documentation on XX/XX/XXXX, but they did not give any further information. Without warning, they closed my credit card accounts on XX/XX/XXXX. I called again on XX/XX/XXXX asking for more information, but they did not give any. 

Restriction and closure of these credit cards affected my spending, budgeting, and planning for my entire family, including the cancellation of an upcoming vacation because our payment method was declined. Furthermore, closure of the credit card meant that Capital One stole and invalidated {$300.00} worth of reward points I already had on that credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On Saturday, XX/XX/year>, a withdraw of {$4500.00} was made from my savings account at Truist bank. I noticed the next day when I checked my account online. Since it was a Sunday, I called the XXXX number for the bank, and was told Id have to wait until the transaction posted to the account before I could start the fraud reports. Once it was posted, I called my local bank in West Virginia and was told that I didnt need to come in to sign anything, that she would file the paperwork for me. They told me that someone in XXXX, Florida has a drivers license with my name, the same ID number as my license, and the same expiration date as my drivers license. The only difference is it is a Florida license and not a West Virginia license. I had all my accounts at Truist frozen, and went to withdraw the money from my other accounts and close them out on XXXX XXXXXX/XX/XXXX. I was told that I would be receiving phone calls and emails with updates regarding my fraud case, but I have not heard anything. Ive called back multiple times and have been given no real information other than they are performing their internal investigation. I do understand that is a process that needs to happen, but I also need to address my identity theft issue. In order for the XXXX Police Department to start an investigation into my identity theft, they need to know what branch this transaction took place at so they can pull security footage, and Truist is refusing to tell me. Truist said that they can not release the location of the branch to me until their investigation is complete, which could take up to 30 days. My concern is that 30 days from now is a long time to wait to start an identity theft case with the police.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am filing a complaint against Equifax for inaccurate credit reporting and failure to conduct a reasonable investigation in violation of the FCRA. 

Equifax is reporting a {$220.00} collection from XXXX XXXX XXXX on behalf of XXXX. This information is inaccurate and only appears on Equifax not XXXX or XXXX 

I have filed XXXX disputes with Equifax : XXXX. Dispute # XXXX Opened XX/XX/XXXX Closed XXXX days later without a proper investigation XXXX. Dispute # XXXX Filed XX/XX/XXXX On XX/XX/XXXX, Equifax incorrectly stated the account was still open XXXX. Dispute # XXXX Filed XX/XX/XXXX Filed as fraud because previous disputes were handled improperly and not thoroughly investigated Before filing any disputes, I contacted both XXXX and XXXX XXXX directly on XX/XX/XXXX. They confirmed on recorded calls that : No account exists with them The balance was paid and closed in XX/XX/XXXX There is no outstanding debt owed under my name Despite this, Equifax continues to report the debt as open and refuses to remove it, causing ongoing harm to my credit. 

I have requested documentation showing how Equifax verified this debt, and they have not provided any proof. 

I am requesting : - Immediate deletion of the inaccurate collection - Documentation Equifax relied upon to verify the debt - Confirmation that this issue is fully resolved Equifax has repeatedly failed to investigate correctly and continues to report false information, I need regulatory assistance to force compliance

Company response to consumer: Closed with explanation