vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing a complaint against Transworld Systems because they are reporting a {$130.00} XXXX XXXX collection account to XXXX XXXX XXXX  even though the debt has never been validated. I disputed the account directly with the collection agency and requested proper validation under FDCPA 1692g ( b ). Transworld Systems never mailed any documentation, never validated the debt, and never proved that I owe this debt or that they have legal right to collect it Despite failing to validate the debt, the company continues to report the account to the credit bureaus. This is a violation of FDCPA 1692g ( b ), which requires a collector to cease collection and reporting activity until validation is provided. They also failed to mark the account as disputed as required under FCRA 623 ( a ) ( 3 ). Additionally, they have not reported the Date of First Delinquency, which is required under FCRA 623 ( a ) ( 5 ). Because of these failures, I can not confirm the accuracy, ownership, or validity of the debt. 

I also disputed this account with both XXXX XXXX XXXX  and Transworld Systems still did not provide evidence to verify the account during reinvestigation. The reporting has inconsistent information across bureaus, and Transworld has not proven the debt belongs to me or that it is legally enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-11-27 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: IL

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.

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year>, the day before thanksgiving, I woke up in the morning to learn that capital one blocked access to my online account with their app. I attempted to make a payment and was unable to do so. Additionally I received NO notification via text message or email alerting me to this block when I called capital one I was transferred to a call center based in the XXXX. The call center representative informed me that I had to provide a copy of my drivers license and bank statement with my address to remove the block additionally I was informed that it will take capital one a minimum of XXXX business days to remove the block and I have no access to making payments during this time frame which means that I will be charged interest and late fees while capital one processes my documents so this block coincides not only with Black Friday but the entire holiday season. I was informed that I would receive a follow up email with a link to upload my documents. I never received the email and had to call capital one a second time and the representative could not sen the email either and transferred me to a supervisor. I explained that I had XXXX autopays connected to my capital one card and I was told that those autopays will be blocked after the call I deleted all of my autopays and transferred them to a different banking institution. I also had uber, XXXX and XXXX linked to my capital one account which I had to transfer to a different banking institution This could have disrupted my auto pay with a storage facility causing me to loose close to a million dollars worth of artwork and artifacts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies present on my credit report from the three credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below, I have separated the accounts in dispute for each bureau. 

Charged Off Accounts : XXXX  XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account # XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account # XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$1900.00} Bankruptcy - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX Payment Accounts : XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I am submitting a rebuttal to Affirms response. Affirms explanation is incorrect and does not match the actual events. I have documented proof that : Affirm incorrectly coded my loan ( XXXX ) as included in bankruptcy, This coding error prevented me from making further payments, I contacted Affirm and its servicer multiple times before any payment was ever late, My account was wrongfully closed/charged off while I was actively attempting to pay, Affirm provided misleading information in their response to the CFPB. 

Case Numbers Showing Early Contact & Attempts to Fix the Issue Before any delinquency occurred, I opened the following support cases with AffirmXXXX : Case # XXXX Case # XXXX Case # XXXX Case # XXXX These cases were all opened in XX/XX/year>, and they show clearly that I informed Affirm that : My loan was not included in bankruptcy, I wanted to continue making regular payments, The account was incorrectly coded as bankruptcy, I was trying to pay but Affirm was refusing/blocking payments. 

Affirm Refused or Blocked My Payments I made a confirmed payment on XX/XX/year>. After this date, I attempted to continue making payments, but Affirm and XXXX refused or prevented the payments due to their incorrect bankruptcy coding. 

I have emails and call logs proving that Affirm/XXXX  : Closed the account prematurely Refused payments Told me the account was charged off even though no payments were past due Affirms Delinquency Reporting Is Inaccurate Affirm reported that : No further payments were made, and the delinquency was due to my failure to pay. 

This is false. 

The delinquency and charge-off were caused by Affirms refusal to accept payments, not by me missing payments. Therefore : The delinquency is inaccurately reported The charge-off is inaccurately reported Affirms response to the CFPB is misleading This violates the Fair Credit Reporting Act ( FCRA ) Requested Resolution I am requesting : Removal of all delinquency and charge-off reporting for loan XXXX  Backdating the account to reflect accurate payment history Correction of all reporting to reflect that the delinquency was caused by creditor error A full investigation into why my account was coded as included in bankruptcy Review Affirms misleading statements provided to the CFPB I am prepared to provide emails, call logs, statements, and screenshots confirming my attempts to pay and Affirms refusal to accept payment. 

Thank you for reopening this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: OH

Complaint narrative:
The following accounts on my Experian credit report are being disputed due to inaccuracies or incomplete reporting : Charged Off Accounts [ Account details if applicable ] 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 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

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am formally challenging the listed accounts, as I have no connection to them and did not approve their creation. I request immediate deletion and a full review. Documentation accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: KS

Complaint narrative:
So today I ended up contact the dispute department for my-wisely regard filing a dispute for a transaction for a instant transfer that I noticed was unauthorized. after filing the dispute my account got locked and was told you submit to documentation for the account to be unlocked again. the amount of the dispute is {$200.00} I also have the claim number which is # XXXX also being told that I some type of signed letter for me to be able for provisional credit which I shouldnt have to sign because this complaint that Im should be the write off for me to get my provisional credit. its also been 3 months since ive used this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
There is no relationship between me and these accounts ; please remove them within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
This is a formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signatureProof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C. 1692c ( c ), I formally request that you cease further communication with me regarding this matter except as allowed by law ( e.g., to confirm you will stop contacting me or to notify me of specific legal actions you intend to take ) .Please note : Any further attempts to contact me outside the FDCPA guidelines may constitute a violation.Any attempt to sell, transfer, or assign this disputed debt to another collector without resolving my dispute will also be considered a violation.

If you have already reported this account to any credit bureau, you are required to mark it as disputed.I expect your response within the time allowed by law. Failure to provide proper validation will require that you immediately cease all collection activities and correct any related credit reporting. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
I am filing this complaint because Experian reinserted previously deleted accounts on my credit report without providing the mandatory reinsertion notice required under the Fair Credit Reporting Act ( FCRA ), and because Experian failed to respond to my repeated written requests for furnisher certification. 

On XX/XX/XXXX, Experian notified me that the disputed accounts had been deleted. However, later that same day, XX/XX/XXXX, Experian reinserted the same information back into my credit file without providing the required reinsertion notice. 

Under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ), a credit reporting agency must notify the consumer within 5 business days of reinserting previously deleted information. This notice must include : 1. That the item was reinserted 2. The name, address, and phone number of the furnisher 3. A statement of my right to dispute the information again Experian did not provide any reinsertion notice at allnot by mail, email, or electronically. I was never informed that the items had been placed back on my report. 

Additionally, under FCRA 611 ( a ) ( 5 ) ( B ) ( i ), Experian is required to obtain furnisher certification confirming the accuracy of any information before reinserting it. I sent Experian multiple written requests asking them to provide the furnisher certification they relied on ( if any ). Experian never responded to any of these requests, which further suggests the reinsertion did not follow federal law. 

The timeline is clear : XX/XX/XXXX ( initial notice ) : Experian told me the accounts were deleted. 
XX/XX/XXXX ( same day ) : Experian reinserted those accounts. 
No reinsertion notice was provided to me. 
I sent multiple furnisher certification requests, and Experian did not respond to any of them. 

This is a clear violation of FCRA reinsertion requirements. 

I am requesting that the CFPB require Experian to : Immediately remove all reinserted accounts that were added without proper notice Provide documentation showing furnisher certification ( if it exists ) Explain why no reinsertion notice was sent Confirm Experian will follow FCRA reinsertion procedures going forward Experians failure to notify me, combined with their refusal to provide furnisher certification despite multiple requests, has caused me credit harm, confusion, and prevented me from properly disputing or verifying the information. 

I am requesting the CFPBs assistance in enforcing Experians compliance with the FCRA.

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 2025-11-27 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: AZ

Complaint narrative:
Examine the attached materials ; the inquiries came suddenly and might not have been authorized.

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