vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: ID

Complaint narrative:
XXXXMy social security check was  $XXXX  short.XXXXCalled local Social Security XXXX  Put on hold.  Call drops after XXXX  and you need to call back in. Tried at least 4 timesXXXXCalled Main Social Security XXXX   On hold XXXX XXXX XXXX minutes.  No answerXXXXAlternated calling both numbers.\n\nReached an agent at XXXX but she was unable to help me because I didnt answer security questions correctly.  She sat up a phone appt. with my local office to get straightened out.  She also gave me the number for the treasury fiscal department.XXXX XXXX XXXX XXXX XXXX XXXXThey still had my address listed in XXXX XXXX.  The agent updated it to XXXX XXXX  address.   She also updated my telephone number and email addressXXXXShe then referred me to Transworld System Collection Agency. XXXX  because the debt had been turned over to collection agency they couldnt give me any informationXXXXCalled Transworld Systems Collection Agency.  Left word for them to call me.XXXXTransworld System Collection Agency XXXXXXXXAsked for proof of debt.  They told me I was being charged 1% interest.  They advised me to pay debt and they would take a reduced payment.  I still wanted proof of debt.   They said they would send the request to me to fill out.  I needed to return to them and they would send to Tresury department and they would send to defense department and when to tricare.  It will take 6 to 9 months to get a replyXXXXReceived Debt Collection notice.  Filled out and return.XXXXRealized I had no proof that I had sent form.  Sent a certified copy of Debt Collection Notice.   I did received the completed delivery notice.  It was signed but not dated. XXXXUSPS article Number. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: MS

Complaint narrative:
I have had money tooking off my without knowledge I have been over charged to send in receive money for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-01 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Disputed several credit card accounts appearing on my credit report with capital one, I had no known knowledge of these accounts Late payments reported on my capital one auto finance that were not late under 30 days late should have not been reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for failing to conduct a thorough investigation regarding the account they are attempting to collect on. Despite my formal dispute, XXXX XXXX XXXX has not provided proper documentation or proof to validate the debt. Specifically, they have failed to produce the original contract, any evidence of legal standing or ownership, or the purchase and assignment agreement that would demonstrate their right to collect on this account. 

Without these required documents, XXXX XXXX XXXX has not substantiated their claim and continues to report inaccurate and unverified information. This lack of verification not only violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but also causes unnecessary harm to my credit and financial reputation. 

I request that this matter be fully investigated, and that XXXX XXXX XXXX either provide proper proof of ownership and validation of the alleged debt or immediately cease collection efforts and remove the account from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Re : Cease and Desist for Account XXXX, XXXX, XXXX To Whom It May Concern, I am formally requesting that Jefferson Capital Systems , LLC immediately CEASE AND DESIST all communication with me regarding the alleged debt referenced above.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all forms of communication with me, including but not limited to phone calls, letters, emails, and text messages.

Please note the following : I dispute the validity of this alleged debt. Unless you can provide full validation of the debt as required under 15 U.S.C. 1692g ( b ), you must cease collection activities.

Any further attempt to collect without proper validation, or any attempt to contact me after receipt of this letter, will be documented and considered a violation of federal law. 
Should you fail to comply with this notice, I will not hesitate to file complaints with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
This letter is being sent to you via certified mail with return receipt requested for my records. 
I expect written confirmation from Jefferson Capital Systems , LLC acknowledging that you have received and will honor this cease and desist request. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent XXXX XXXX XXXX XXXX by CHEX SYSTEMS , INC . I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. As a consumer reporting agency 15 u.s.c. 1681, you are governed by the FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681. XXXX XXXX protect consumers from inaccurate, outdated, or invalidated information reporting to ensure that all information contained within consumer file is accurate and free from errors. 

" According to federal law, you are required to comply with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, users of consumer reports, and furnishers of information to these agencies must ensure the accuracy, fairness, and privacy of the data. Violations of the FCRA can result in penalties and legal consequences. 

ACCORDINGLY, I REQUEST YOUR COMPANY TO PROVIDE VERFIAIBLE DOCUMENTARY PROOF ( ORIGINAL CONSUMER CONTRACT OR SIMILAR BEARING MY WET INK SIGNATURE ON IT ) YOU HAVE ON FILE OF ACCOUNTS/ITEMS LISTED BELOW. UNDER FCRA, IF YOU DO NOT HAVE PROVIDE DOCUMENTS AND VERFIABLE PROOF, YOU MUST REMOVE ALL UNVERIFIED, INVALID, DEROGATORY INFORMATION FROM MY CONSUMER 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 2025-09-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I discovered an inaccurate Equifax XXXX listed as DP OF EDUC ( Acct XXXXXXXX XXXX XXXX XXXX XXXX  ). Equifax shows : Account Type Unknown Educational, Status Derogatory, Payment Status Unknown, Date Opened XX/XX/XXXX, Balance {$0.00}, Past Due {$0.00}, Last Reported XX/XX/XXXX, and comments XXXX XXXX  XXXX Student loan Included in bankruptcy. A {$0.00} XXXX {$0.00} past-due student-loan entry should not be coded as a current derogatory with XXXX XXXX : Unknown. In addition, the XXXX  remark is unsubstantiatedno XXXX  schedule or docket has been produced listing this specific loan. Critical dates are incomplete/inconsistent ( no Date of First Delinquency supporting any derogatory code, while the Last Reported date is very recent ). This violates the FCRAs accuracy and reinvestigation duties ( 15 USC 1681e ( b ), 1681i ( a ) ), and any unverifiable information must be deleted or corrected ( 1681i ( a ) ( 5 ) ). If Equifax or the furnisher claim the remark is valid, I request the Method of Verification ( 1681i ( a ) ( 7 ) ) and, after notice, the furnisher must correct/delete inaccurate data ( 1681s-2 ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I returned an item through XXXX and XXXX never issued a refund back to my TD Bank checking account debit card. So I filed a dispute with TD Bank and they credited my account with the refund amount but then reversed it, stating the dispute was denied. I provided proof of the XXXX return, but TD Bank still closed the case without resolving the issue. I am requesting that TD Bank review the evidence of the XXXX refund/return and reinstate the funds that were wrongly taken back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$55.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$14000.00}

Company response to consumer: Closed with explanation