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

Complaint narrative:
I am filing a complaint against Transworld Systems , Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed Transworld Systems a written request for validation of an alleged debt associated with Reference No. XXXX / XXXXXXXX XXXX XXXX Under FDCPA 809 ( b ), they are required to cease all collection activity and provide proper validation before continuing to collect or report the debt.

Transworld Systems did not respond.

Despite my written request, they continued collection activity and/or continued reporting the debt to credit bureaus without providing ANY validation.

This is a direct violation of FDCPA requirements.

On a second attempt, I mailed a follow-up validation request, clearly stating they had failed to comply with federal law and giving them an additional 15 days to provide : A copy of the original agreement bearing my signature A full account history showing all transactions Proof of assignment or ownership The name/address of the original creditor This letter was also ignored.

Transworld Systems has never provided validation of any kind, yet continues reporting or attempting to collect. 

Because they failed to validate the debt after XXXX written requests, they are in violation of : FDCPA 809 ( b ) ( failure to validate/ continued collection ) FCRA 623 ( a ) ( 3 ) ( reporting unverifiable or inaccurate information ) I am requesting the CFPB require Transworld Systems to : 1. Provide full validation of the alleged debt as required by federal law, OR 2. Immediately delete the account from all credit bureaus if validation can not be provided, and 3. Cease all collection activity regarding this account. 

I have attached a copy of my second written validation request showing their lack of compliance. As well as the usps mail receipt showing delivery date. I dont have a copy of the receipt for the first letter. I apologize Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
Square deactivated my business account without cause and is withholding {$870.00} of my funds for 90 days. My business name is XXXXXXXX XXXX XXXXXXXX. The payment was processed on XX/XX/XXXX for automotive repairs that were fully completed. 

I provided Square with clear proof that the service was already performed and fulfilled, yet they refused to submit the case for Compliance review and told me the funds would not be released until XX/XX/XXXX. 

Square terminated my account after the transaction, kept the funds, and is refusing to escalate the issue. This is harmful to my small business operations and violates fair business practices. 

I am requesting that Square immediately : 1. Conduct a Compliance review of the fund hold 2. Release the withheld {$870.00}, since the transaction was legitimate and fulfilled 3. Provide a written explanation for the account termination and fund hold I am not disputing chargebacks or fees only the immediate release of legitimate business funds that Square is withholding without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TN

Complaint narrative:
My name is XXXX XXXX and I am a senior citizen. I am very careful with my information and I do not recognize any involvement with IQ Data. I was not asked for permission before my personal details were placed in the hands of this company. I did not receive any notice from them before they reported anything about me. As an older consumer, I am protected under federal rules that prohibit the misuse of a seniors personal information. This account appears without any confirmation that I approved their access. I am asking for proof that I ever agreed for IQ Data to handle or receive anything tied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
Huntington Bank put my account on hold because I told them I was going to report one of their managers for discrimination, and it is my account, and I can do whatever I want with it.. I also told them they were discriminating against me because I have been with them for 6 months and they said if I was with them for a year or two then I could overdraft my account more than the XXXX dollars .. again I told them I don't pay rent or a fee to have my account and I'll do whatever I want with my account cause I pay my bills. A manager kept calling me sir and I told her I'm NOT a man but she kept calling me sir and told me her system says I'm a man .. my XXXX goes into that account. They sent me a email late on the XXXX so I couldn't find out anything

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: MN

Complaint narrative:
I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by 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

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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/2025, I mailed a direct dispute to Credit Acceptance requesting a reinvestigation of inaccurate information they are reporting to the credit bureaus, including late payments, account status codes, and historical payment information. They were legally required to respond within 30 days under FCRA 623 ( a ) ( 3 ).

Credit Acceptance never responded to my direct dispute, never provided the method of verification, never supplied any supporting documentation, and never notified me of the investigation results.

Despite failing to respond to my dispute, Credit Acceptance continued to verify the information with XXXX XXXX XXXX  which is impossible because they provided me with no investigation results or documentation. 

XXXX reinvestigation states that the company certified the information as accurate. 
XXXX reinvestigation states that the creditor verified the current status and prior payment history as correct. 

This is a violation of the following laws : FCRA 623 ( a ) ( 3 ) Furnishers duty to investigate direct disputes FCRA 623 ( b ) Duty to conduct a reasonable investigation before certifying information FCRA 611 ( a ) ( 1 ) ( A ) Reinvestigation requirements FCRA 611 ( a ) ( 7 ) Failure to provide the method of verification I am requesting that the CFPB require Credit Acceptance to : Provide the full method of verification Provide all documents used to verify the account Provide the contract and complete payment ledger Delete the account if they can not produce documentation or if they failed to investigate my dispute as required by law The furnisher can not legally verify information with the bureaus without responding to the consumers direct dispute. This is why I am requesting deletion of the account.

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: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Complaint Against Bonneville Collections and XXXX XXXX XXXX I submit this complaint for review of the actions taken by Bonneville Collections in Utah, acting on a debt originally owed to XXXX XXXX XXXX. 

My husband and I had a balance with XXXX XXXX XXXX. About XXXX months after the balance became past due, the account was placed with Bonneville Collections. The balance at the time was under {$500.00}. 

After the agency contacted us, we agreed to make a payment at the end of XX/XX/year>. I called the agency several times throughout XXXX to make this payment. None of my calls were returned. 

Despite our attempts to pay in full, Bonneville Collections filed a lawsuit against us. They had our updated address and had already mailed other letters to the correct address, yet they sent the court documents to our former address. This prevented proper notice and limited our ability to respond. 

Later, a process server delivered the papers to our home. The envelope was not sealed. We received the documents only XXXX days before the court date. My husband works out of town, so he could not appear. 

After receiving the lawsuit notice, we again attempted to contact the agency to make payment. No calls were returned. 

In XXXX, Bonneville Collections contacted my husbands employer. They called his supervisor directly on a personal cell phone from XXXX to ask whether he was still employed. This occurred long after we attempted to pay the account in full. This contact was inappropriate and breached privacy. It caused stress and confusion at his workplace. When we called the same number back, we received no response. XXXX I CALLED BACK A wage garnishment was then ordered. Funds are now taken from my husbands paycheck. We have received no receipts, no updated balances, and no confirmation of how these payments are being applied. The agency has provided no written communication since the garnishment began. and as off XXXX still on our credit report as {$990.00} owed. But money was taken in XXXX to pay in full the balance from the lawsuit is {$1000.00} Bonneville Collections is reporting an incorrect balance on my husbands credit file. The amount does not match the wage garnishment. The account continues to report as negative with no updates, despite ongoing deductions from his pay.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
RE : Request for Reinvestigation XXXX / XXXX XXXX To Whom It May Concern : I am writing to request a formal reinvestigation of a charge-off account currently being reported on my consumer credit file. I previously sent a letter to the original creditor on XX/XX/year>, requesting verification, and I am now requesting that your bureau complete its duty to investigate this account and ensure that all information is accurate, complete, and properly verified. 
This request is being made pursuant to the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 611 ( a ) / 1681i Bureau must reinvestigate disputed information in a reasonable timeframe 15 U.S.C. 623 ( a ) ( 1 ) & ( a ) ( 3 ) Furnisher duties ; bureau must notify furnisher of dispute and ensure accuracy 15 U.S.C. 623 ( a ) ( 5 ) Unverifiable information must be corrected or deleted Please investigate the following items regarding this account : XXXX. Confirm the current balance, charge-off amount, dates of first delinquency, and payment history with the original creditor. 
XXXX. Verify that the account status, including sold, transferred, or charged-off, is accurate and properly reported. 
XXXX. Provide me with the results of your investigation, including documentation you received from the furnisher, as required by FCRA 611 ( a ) / 1681i. 
XXXX. Correct or delete any information that can not be verified or is inconsistent with XXXX XXXX reporting standards. 
Please respond to this request within XXXX  days as required by the FCRA. If you are unable to verify this account with the original creditor, you must update or remove the information accordingly. 
Thank you for your prompt attention to this matter. I look forward to your written response and a corrected credit file if any inaccuracies are found.

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app account closed No evidence. Comments " Based on your activity, your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed ''. 

Customer Service provided a XXXX  day wait with no evidence. I screen shot the transactions. Totaling less than {$80.00}. 

I used Cash App XXXX  times. XXXX transaction to mechanic didn't work.

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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone used my information without my knowledge or consent to open up fraudulent accounts.It was fraud.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
RE : Request for Reinvestigation XXXX / XXXX XXXX To Whom It May Concern : I am writing to request a formal reinvestigation of a charge-off account currently being reported on my consumer credit file. I previously sent a letter to the original creditor on XX/XX/year>, requesting verification, and I am now requesting that your bureau complete its duty to investigate this account and ensure that all information is accurate, complete, and properly verified.

This request is being made pursuant to the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 611 ( a ) / 1681i Bureau must reinvestigate disputed information in a reasonable timeframe 15 U.S.C. 623 ( a ) ( 1 ) & ( a ) ( 3 ) Furnisher duties ; bureau must notify furnisher of dispute and ensure accuracy 15 U.S.C. 623 ( a ) ( 5 ) Unverifiable information must be corrected or deleted Please investigate the following items regarding this account : 1. Confirm the current balance, charge-off amount, dates of first delinquency, and payment history with the original creditor.

2. Verify that the account status, including sold, transferred, or charged-off, is accurate and properly reported.

3. Provide me with the results of your investigation, including documentation you received from the furnisher, as required by FCRA 611 ( a ) / 1681i.

4. Correct or delete any information that can not be verified or is inconsistent with Metro 2 reporting standards.

Please respond to this request within 30 days as required by the FCRA. If you are unable to verify this account with the original creditor, you must update or remove the information accordingly. 
Thank you for your prompt attention to this matter. I look forward to your written response and a corrected credit file if any inaccuracies are found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I am XXXX XXXX and I am considered a senior citizen. I never approved any relationship with Credit Collection Services. No one asked me for consent, no one showed me any document with my agreement, and no one sent me advance notice. This company should not have my personal information without my authorization. Federal protections for seniors prohibit companies from mishandling or obtaining a seniors information without clear approval. This reporting raises concern because it does not match anything I knowingly agreed to.

Company public response: Company can't verify or dispute the facts in the complaint
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: FL

Complaint narrative:
I am reporting that this account was not opened or authorized by me. I did not apply for this credit account or give permission for it to be created. I have already contacted the card company and the credit reporting agencies to have this account and all related reporting removed, but nothing has been corrected so far. 



The account shows a {$250.00} limit and a reported balance of {$170.00}, along with a long history of missed payments that do not belong to me. This information is hurting my credit, and I need it fully investigated and removed.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am XXXX XXXX and I fall under senior citizen protection. LVNV Funding placed something under my name even though I never granted permission for them to receive or use my information. I was not given any advance notice. No one showed me a signed agreement linking me to this company. Federal consumer protection laws warn against taking advantage of seniors or placing them under collection activity without clear consent. This entry does not match anything I knowingly approved. I want to understand how they obtained my information.

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: World Acceptance Corporation
State: TX

Complaint narrative:
This account has been closed and sold without my authorization and has still been reporting negatively on XXXX  credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: FL

Complaint narrative:
The company is not lowering my payment based on my income. My payment is too high based on what I am currently bringing home.

Company response to consumer: Untimely response
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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to demand immediate action regarding the fraudulent and improper reporting of a collection account from XXXX XXXX on my credit file. This account is being reported to XXXX XXXX  in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax is legally obligated to ensure that all information reported is accurate, verifiable, and compliant with federal law. XXXX XXXX has a long history of questionable practices, and the reporting of this alleged debt is both misleading and damaging. I have not received proper validation of this debt, nor has XXXX XXXX provided proof that they have the legal right to collect or report it. 

By continuing to publish this account to XXXX  XXXX, Equifax is complicit in disseminating false and harmful information. This is unacceptable. I demand that Equifax : - * * Immediately investigate * * the XXXX XXXX account. 
- * * Provide full validation * * of the debt, including original creditor documentation. 
- * * Cease reporting * * this account to any XXXX  XXXX  until validation is complete. 
- * * Delete * * the account permanently if validation can not be produced. 

Failure to comply will result in escalation. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. Additionally, I will pursue all available legal remedies to hold Equifax accountable for damages caused by this reckless reporting. 

This is not a requestit is a demand. You have XXXX  days from receipt of this letter to respond in writing with proof of compliance.

Company response to consumer: Closed with explanation