vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding Transworld Systems Inc. ( TSI ) for engaging in illegal and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Details of Violations : XXXX. Impersonation and Misrepresentation TSI representatives have contacted me stating the call was regarding a business matter or account rather than truthfully disclosing it was a debt collection attempt.

This is a violation of 15 U.S.C. 1692e ( FDCPA 807 ), which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of a debt.

2. Failure to Provide Proper Disclosure TSI failed to identify themselves as a debt collector during communications and did not provide the required mini-Miranda disclosure. 

This violates 15 U.S.C. 1692e ( 11 ), which requires disclosure that the communication is from a debt collector, and 15 U.S.C. 1692d ( 6 ), which requires meaningful disclosure of the callers identity.

3. Deceptive Tactics to Obtain Information By misrepresenting the nature of the call as a general business matter, TSI attempted to trick me into providing personal information or acknowledging a debt under false pretenses.

This is a violation of 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect a debt or to obtain information about a consumer. 



XXXX. Right to Clear Validation Notice In addition, collectors are required under 15 U.S.C. 1692g to send a written validation notice within five days of initial communication. TSI has not properly provided this notice.

These tactics are unlawful, misleading, and abusive. I respectfully request that your office investigate TSIs practices, hold them accountable for these violations, and take appropriate enforcement action to prevent further harm to consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX weeks ago, I received a notification from XXXX that my address was updated on my auto loan with Capital One. I did not change this, so I flagged the notification and contacted Capital One the next day. Their representative informed me that my personal information ( address, email, and phone number ) was updated without my knowledge, so I can't access the online account. I expressed my concern and noted that an investigation was needed to see why and how this change was authorized. The representative could not correct my information, so I escalated it to the highest level ( according to them ). They reported they would call me back in XXXX days. I didn't receive a call back and attempted to call again on XX/XX/year>. I was again referred to an escalated office, which was unavailable. I have yet to have my information corrected or any information on how this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for the XXXX credit card with Wells Fargo and was denied twice in the last month for having an existing account. I closed my prior account over 6 months ago. This is a credit card I can use to pay rent and receive rewards and the denial is costing me meaningful rewards that were part of my decision to lease my apartment vs. other apartments that didnt offer XXXX. I have asked Wells Fargo to escalate since my account was closed and they said they are unable to reopen the app manually.

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 2025-09-23 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: MD

Complaint narrative:
I am writing this letter due to Experian, Equifax and Transunion refusal to remove inaccurate information from my credit report. I have requested verification of the items reported that are found to be inaccurate such as late payments, account balances and collections, I am requesting that either verification of these accounts from the original creditors be sent to me in writing showing that I signed for these accounts and my signature is attached or the items be removed from my credit history. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this request through the CFPB to ensure that Equifax, Experian and TransUnion receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing this letter due to Experian, Equifax and Transunion refusal to remove inaccurate information from my credit report. I have requested verification of the items reported that are found to be inaccurate such as late payments, account balances and collections, I am requesting that either verification of these accounts from the original creditors be sent to me in writing showing that I signed for these accounts and my signature is attached or the items be removed from my credit history. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this request through the CFPB to ensure that Equifax, Experian and TransUnion receives my letter and is held accountable for responding properly and lawfully.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing this letter due to Experian, Equifax and Transunion refusal to remove inaccurate information from my credit report. I have requested verification of the items reported that are found to be inaccurate such as late payments, account balances and collections, I am requesting that either verification of these accounts from the original creditors be sent to me in writing showing that I signed for these accounts and my signature is attached or the items be removed from my credit history. These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this request through the CFPB to ensure that Equifax, Experian and TransUnion receives my letter and is held accountable for responding properly and lawfully.

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 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am writing to follow up on my previous request for debt validation, which I sent over a month ago. I have yet to receive any response or the documents I requested to validate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to delete any account that can not be properly validated. Since I have not received the requested validation, I now expect this account to be removed from my credit reports immediately. Additionally, I was never provided with any notice of this account prior to it being reported to the credit bureaus. This raises serious concerns that your office may not possess the required documentation to validate this debt, as per 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 non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXXXXXX 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 2025-09-23 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: NJ

Complaint narrative:
I am submitting this complaint because TransUnion is reporting inaccurate and/or unverifiable information on my credit report.The following accounts contain information that may be inaccurate, outdated, or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts were disputed due to issues such as unverified balances, incorrect delinquency reporting, and lack of proper validation or supporting documentation. I requested that TransUnion either verify the accuracy of the information or remove any data that could not be confirmed. 

To date, I have not received satisfactory evidence or confirmation that these entries have been fully investigated in accordance with the FCRA. TransUnion has a legal obligation to ensure the information they report is accurate, complete, and verifiable.

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 2025-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The Cfpb won a case this year XXXX against national collegiate trust for illegal debt collecting practices. I put in a complaint almost a year and a half ago about this same company. stating that the uses false and misleading affidavits, sue me for debts the trust couldn't prove that were owed.im a XXXX XXXX XXXX  and my check has been garnished since XXXX XXXX i've been garnished roughly about XXXX unjustly. 


https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The personal information on my credit report is no longer up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX  to advise that I did not owe this debt in the amount of {$1400.00}. XXXX my insurance at this time had already paid the original provider XXXX XXXX XXXXXXXX XXXX. The original provider sold the debt to a collections agency even though they had been paid. When I offered to get documentation from the insurance they refused it. I also had my insurance to reach out to the original provider to remove this as my benefits covered all the services related to XX/XX/year>. I have tried to dispute this with all of the credit bureaus, and they also refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I phoned XXXX on XXXX to resolve this debt at which time I was told XXXX, XXXX XXXX XXXX had my account and was given phone number. The receptionist at this firm told me they didn't have my account after searching using my social security number. I called XXXX back and was told it could take several weeks for the account to transfer at which time aI made a payment XXXX {$140.00} toward my account until I received information from this firm. I never received anything from them so I called on XXXX am and was confirmed they had my account. I was transferred to XXXX 's voicemail and I left a message asking her to please reach out to me to resolve this debt. I didn't receive a call back, I phoned again and was sent to a general XXXX voicemail at this firm and again left the same message. I never received a call, I called back XXXX XXXX and asked for a supervisor. I was told he was not in yet and was sent to his voicemail which I left the same message asking g for a return call wanting to resolve this debt. on XXXX since I received no return call, I sent a certified letter outlining these occurrences and my request to resolve this. I will be sending a certified letter today requesting validation of this debt. I had to search the address using their phone number because the receptionist couldn't give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-09-23 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: TX

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a legal adult residing in Texas, USA and I am born in the USA. I am XXXX XXXX XXXX and have had my PayPal account for XXXX years. PayPal permanently closed my account and stated the reason was that I was either underage or living outside of a supported country. Neither is true, and I have provided documentation proving my age and residency. Despite this, PayPal has closed my account and is holding {$11000.00} of my funds for XXXX days. This action is both incorrect and harmful, as I rely on access to these funds. Additionally, they have recently began returning payments back to clients for work that I have already provided to these clients. 

I request that PayPal : XXXX. Provide the specific contractual or legal basis for permanently closing my account under false reasoning. 
XXXX. Immediately release my {$11000.00} balance, or at minimum, shorten the unreasonable XXXX hold. 

I am filing this complaint because PayPal has not addressed the facts and continues to withhold funds anas well as return payments to clients whose services have already been rendered to under invalid reasoning.

Company response to consumer: Closed with explanation