vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint because Transworld Systems Inc., located in XXXX XXXX XXXX XXXX, is reporting false, inaccurate, and unverified information on my credit report. 

I have never had any financial relationship or business dealings with this company. I have not authorized them to collect or report any debt associated with my name or Social Security number. Therefore, their reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Violations of Law : 15 U.S.C. 1681s-2 ( a ) Transworld Systems Inc. is furnishing information that is inaccurate and unverifiable, which is strictly prohibited under the FCRA. 

15 U.S.C. 1681i This statute requires that all disputed information be properly verified or promptly deleted. Despite disputes, this unverifiable information remains on my credit report, which demonstrates noncompliance. 

This company is acting in bad faith, damaging my credit profile with unsubstantiated and incorrect information. They are failing to follow proper procedures for verifying the accuracy of the data they are furnishing. This behavior is harmful, unlawful, and completely unacceptable. 

My Demands : Immediate removal of this fraudulent and inaccurate entry from all consumer credit reports.

A full investigation into Transworld Systems Inc.s credit reporting and data furnishing practices. 

Regulatory action taken to ensure they are held accountable for FCRA violations.

If this matter is not resolved quickly, I will pursue civil legal action under the FCRA, and escalate the complaint to both the Federal Trade Commission ( FTC ) and my State Attorney General for further enforcement. 

This is not merely a dispute this is a legal violation, and I expect swift corrective action. 

Company Reporting False Information : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
To Whom It May Concern, This letter is in direct response to ChexSystems correspondence regarding my filed complaint. Your response contains several misstatements of law and fact which must be addressed.

Identity Theft Report : I have already filed a valid FTC Identity Theft Report. Under 15 U.S.C. 1681c-3 ( b ), upon receipt of such report, ChexSystems is required to block the reporting of the disputed fraudulent information within 4 business days. Your attempt to delay this process by claiming you have not received the report directly is not supported by the statute. Please confirm where to forward the report so compliance can occur immediately.

Accuracy Obligations : Under 15 U.S.C. 1681e ( b ), ChexSystems has a duty to ensure the maximum possible accuracy of information in my file. Under 1681i, you must conduct a reasonable reinvestigation when a consumer disputes any item. Passing responsibility to your clients does not absolve ChexSystems of its statutory duties as a consumer reporting agency.

Retention Period : While your form letter cites a 5-year retention policy, FCRA makes clear that inaccurate or fraudulent information must be blocked or removed regardless of retention policies. Continuing to report information you know or should know is fraudulent constitutes willful noncompliance under 1681n, subjecting ChexSystems to statutory, actual, and punitive damages.

Removal of Derogatory Information : In addition to the disputed fraudulent account ( s ), I am formally demanding the deletion of all derogatory, inaccurate, and fraudulent information currently reported in my ChexSystems file. Any item that can not be 100 % verified as accurate and authorized must be permanently deleted under the FCRA.

Accordingly, I demand : Immediate blocking of all reported fraudulent and derogatory accounts under 605B.

Written confirmation of removal within 4 business days of this notice.

A full reinvestigation consistent with 611, with supporting documentation provided.

Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General, as well as initiation of legal action for willful and negligent violations of 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 2025-08-20 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: FL

Complaint narrative:
national direct loans impersonated us department of education and place an erroneous loan and amount and address on Equifax. I did go to school in the XXXX but not XXXX - if someone obtained a loan in my name at an erroneous address years ago why is it showing on my report now? All companies impersonating the us dept of Ed need to show up honestly and not after a XXXX XXXX and with actual true loan information. I paid my loans long ago with the help of a lawyer for this to show up and then be just marked as closed on my credit accounts hurts me unnecessarily. I will alert the FTC as the entity did not accept certified mail, regular mail or registered mail- all was sent back and phone numbers proved to be false as well. In other words I can't get the false information off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 2025-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am disputing an XXXX XXXX XXXX XXXX account reported by Radius Global Solutions on my Experian credit report. The original delinquency date is XX/XX/XXXX. This account has been re-reported multiple times by different collection agencies, and Experian marked my current dispute as verified even though the collection agency stated that validation is forthcoming. 

The collection agency stated that they sent a letter in XXXX to the wrong address. I requested that the agency provide documentation showing what address the letter was sent to, but they refused to provide this information. The collection agency is also refusing to provide proof of the debt, including documentation of the original account, itemized charges, and original delinquency date ( DOFD ). Reporting the debt without proper validation violates FDCPA 809 ( b ) and FCRA 605 ( a ), 611 ( a ), and 623 ( a ) ( 5 ). Additionally, the account has been re-aged and reported under an incorrect address, which is illegal and harms my credit report.

I request that the CFPB require the collection agency to provide full validation, including proof of where any letters or notices were sent, or permanently remove the account from my credit report. I also request that Experian ensure the account is reported accurately and the original delinquency date is maintained.

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 2025-08-20 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. The fraudulent accounts appearing on my TransUnion credit report include an XXXX XXXX account # XXXXXXXX XXXX  opened on XX/XX/XXXX with a reported balance of {$240.00}, and a XXXX XXXX credit card account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$3200.00}. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection opened at UNAUTHORIZED COLLECTION on XX/XX/XXXX under account XXXXXXXX XXXX with a {$240.00} balance, and a credit card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$3200.00} balance. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I demand that these fraudulent items be removed from my consumer credit reports and that all collection activity related to them cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-20 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-20 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-20 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint against Midland Credit Management for furnishing inaccurate, misleading, and structurally non-compliant information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and industry-standard XXXX  XXXX reporting requirements. 

Background Since XX/XX/year>, I have disputed XXXX XXXX collection accounts ( original creditors : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  ) multiple times with the credit bureaus. Despite repeated disputes, XXXX continues to furnish inaccurate information, and Experian and TransUnion have verified the accounts as updated but not corrected. 

On XX/XX/year>, I sent XXXX a formal Debt Validation Letter requesting validation of these alleged debts under FDCPXXXX XXXX XXXX has failed to provide the required documentation, including chain of custody, assignment, contract, itemized accounting, licensing information, and IRS 1099-C if applicable. 

Violations Midlands tradelines contain the following systemic furnishing violations : XXXX XXXX Field XXXX ( Account Status ) : Reported as past due, which is inaccurate. Collections do not have a past due balance only an outstanding balance. 

XXXX XXXX Field XXXX ( Terms Frequency ) : Reported as XXXX  Month, which is prohibited for collections. 

XXXX XXXX Field XXXX ( Scheduled Monthly Payment ) : Furnished as Not Reported. Collections must report XXXX. 

XXXX XXXX Field XXXX ( Payment History Profile ) : Improper delinquency codes ( C, ND ) are being reported month-to-month on collections, which should not carry a rolling delinquency history. 

XXXX XXXX Field XXXX ( Credit Limit/Original Amount ) : Reported as Credit Limit or Original Amount. Collections must only display the Original Amount.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information.

FCRA 623 ( a ) ( 5 ) : Potentially inaccurate reporting of the Date of First Delinquency ( DOFD ).

FDCPA 1692g : Failure to validate the alleged debt after timely request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Account # : XXXX Resurgent Capital/LVNV Funding LLC is attempting to collect a debt in the amount of XXXX without proof of ownership and without producing the legal chain of title. I dispute this debt in its entirely and demand full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You claim to have purchased this account from the original creditor. All debts originated by major creditors are routinely securitized, transferred to a trust, and owned by that trust. The trust then becomes the legal creditor. This raises serious questions : 1. Identify the trust that originally held this account after securitization. 2.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 3. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 4. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim I owe. 5. Proof that the original creditor securitized the debt. You are required to produce : 1. The full chain of title for this account, from origination to present, including all assignments, bills of sale, and transfer agreements. 2. A copy of the original signed agreement creating the alleged obligation. 3. Proof that you have legal standing to collect, including documentation naming Resurgent Capital/LVNV Funding LLC as the current creditor. 4. Proof that the debt was not securitized and sold to a trust, or if it was, documentation showing every transfer since securitization. 5. A complete accounting of the amount you claim is owed, including principal, interest, fees, and how these amounts were calculated. If you can not produce these documents, you must : Remove any reference to this account from any credit reporting agency, cease all collection activity, Refrain from selling, transferring, or assigning this account to any other entity. Until you provide full and complete validation, you must cease all collection activity, including reporting or furnishing information to any credit reporting agency. If you have already reported this account, it must be marked as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). Any attempt to collect without providing proper validation will be considered a violation of federal law and may result in legal action against you. You have 30 days from receipt of this letter to provide the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I met all requirements towards a {$3500.00} bonus promotion for my Wells Fargo Premier Checking Account, including maintaining a balance of at least {$500000.00} in my Wells Fargo WellsTrade brokerage account from XX/XX/year> through today. 

Wells Fargo denied me this bonus by falsely claiming that I did not maintain a balance of {$500000.00} even though I have provided them statements proving that it was maintained. They have stopped responding to my emails and calls. 

I have attached statements proving that I maintained a balance of at least {$500000.00} in my Wells Fargo WellsTrade brokerage account from XX/XX/year> through today.

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 monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA XXXX. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>

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 2025-08-20 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: GA

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. 
XXXX XXXX  Account Number : 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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
This is a continuation of my original complaint regarding Discovers handling of my charged-off account and their referral to Glasser & Glasser without proper notification. Despite my previous request for debt validation and written notice of my right to dispute, XXXX failed to provide these disclosures. Instead, they blocked access to my online account, redirected me to outside legal counsel ( Glasser & Glasser ), and did not send me any formal notification that the debt had been placed with a third-party collector.

Glasser & Glasser later accepted a payment without ever sending required debt validation. This confirms that they were collecting without proper documentation a violation of federal law. Furthermore, XXXX has not clarified their involvement in this arrangement or acknowledged the compliance issues raised. 

I stand by my initial request that this debt be marked as settled, uncollectible, and legally unlitigatable based on these unresolved violations. I am submitting this as a formal update to ensure my record reflects the full extent of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one agreed to settle debt by pay to delete, which is the amount they agreed on Since I paid the amount they have agreed on they have not keep the paid for delete agreement, this account is keeping me from obtaining credit,

Company response to consumer: Closed with explanation