{"took":141,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5030,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9781018","_score":13.816106,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the collection account reported by \" Transworld System Inc '' on my credit report and to request an investigation into their practices and compliance with federal consumer protection laws. \n\n1. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my repeated requests, \" Transworld System Inc '' has failed to provide the necessary validation information for the alleged debt. This failure to provide validation before placing the collection account on my consumer report is a clear violation of this regulation.\n\n2. Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the validity of a debt. However, \" Transworld System Inc '' has not provided me with a proper opportunity to dispute the account, nor have they acknowledged or addressed my disputes in accordance with this regulation. \n\nXXXX. Misleading and Deceptive Practices : I believe that \" Transworld System Inc '' is in violation of the Fair Debt Collection Practices Act ( FDCPA ) by employing false, misleading, and deceptive means in their collection practices. Their conduct is not only unethical but also in direct violation of federal regulations protecting consumers from such practices. \n\n4. Unauthorized Reporting and Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency is prohibited from furnishing any account to a consumer reporting agency without first providing all required disclosures. \" Transworld System Inc '' has not adhered to these requirements, thereby violating my consumer rights. \n\nXXXX. Proof of Licensing and Bonding : Additionally, I request that \" Transworld System Inc '' furnish proof that they are licensed and bonded as required by state and federal law to engage in debt collection activities. This documentation is necessary to ensure their legitimacy and compliance with legal standards. \n\nRequest for Action : I dispute owing any and all debts to \" Transworld System Inc ''. \nI request immediate debt validation, including the purchase agreement between \" Transworld System Inc '' and the original creditor. \nI revoke any and all rights \" Transworld System Inc '' may have to communicate with me through email, text, or phone calls. \nI request proof that \" Transworld System Inc '' is licensed and bonded to collect debts. \nI request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against \" Transworld System Inc '' for their non-compliance with the aforementioned regulations. I also request that you assist in ensuring the removal of the disputed collection account from my credit report until proper validation and proof of licensing and bonding are provided. \n\nThank you for your attention to this matter. Please confirm receipt of this letter and provide me with an update on the progress of your investigation. \n\nSincerely,","date_sent_to_company":"2024-08-14T03:06:50.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"9781018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-08-14T02:54:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am writing to formally dispute the collection account reported by \" Transworld <em>System</em> Inc '' on my credit report and to request an <em>investigation</em> into their <em>practices</em> and compliance with <em>federal</em> consumer protection laws. \n\n1. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request."],"company":["TRANSWORLD <em>SYSTEMS</em> INC"]},"sort":[13.816106,"9781018"]},{"_index":"complaint-public-v1","_id":"11888321","_score":13.781406,"_source":{"product":"Checking or savings account","complaint_what_happened":"I would like to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have paid. Despite having sufficient funds when transactions were authorized, I was charged fees due to the system lagging when posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.","date_sent_to_company":"2025-02-01T20:00:48.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"37072","tags":null,"has_narrative":true,"complaint_id":"11888321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-01T19:45:29.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I believe these <em>practices</em> are unfair and request an <em>investigation</em> into my account transactions."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[13.781406,"11888321"]},{"_index":"complaint-public-v1","_id":"9780914","_score":13.725693,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute the collection account reported by \" Southwest Credit Systems '' on my credit report and to request an investigation into their practices and compliance with federal consumer protection laws. \n\nXXXX. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my repeated requests, \" Southwest Credit Systems '' has failed to provide the necessary validation information for the alleged debt. This failure to provide validation before placing the collection account on my consumer report is a clear violation of this regulation.\n\n2. Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the validity of a debt. However, \" Southwest Credit Systems '' has not provided me with a proper opportunity to dispute the account, nor have they acknowledged or addressed my disputes in accordance with this regulation. \n\nXXXX. Misleading and Deceptive Practices : I believe that \" Southwest Credit Systems '' is in violation of the Fair Debt Collection Practices Act ( FDCPA ) by employing false, misleading, and deceptive means in their collection practices. Their conduct is not only unethical but also in direct violation of federal regulations protecting consumers from such practices. \n\nXXXX. Unauthorized Reporting and Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency is prohibited from furnishing any account to a consumer reporting agency without first providing all required disclosures. \" Southwest Credit Systems '' has not adhered to these requirements, thereby violating my consumer rights. \n\nXXXX. Proof of Licensing and Bonding : Additionally, I request that \" Southwest Credit Systems '' furnish proof that they are licensed and bonded as required by state and federal law to engage in debt collection activities. This documentation is necessary to ensure their legitimacy and compliance with legal standards. \n\nRequest for Action : I dispute owing any and all debts to \" Southwest Credit Systems '' I request immediate debt validation, including the purchase agreement between and the original creditor.\n\nI revoke any and all rights \" Southwest Credit Systems '' may have to communicate with me through email, text, or phone calls. \nI request proof that \" Southwest Credit Systems '' is licensed and bonded to collect debts. \nI request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against \" Southwest Credit Systems '' for their non-compliance with the aforementioned regulations. I also request that you assist in ensuring the removal of the disputed collection account from my credit report until proper validation and proof of licensing and bonding are provided. \n\nThank you for your attention to this matter. Please confirm receipt of this letter and provide me with an update on the progress of your investigation. \n\nSincerely,","date_sent_to_company":"2024-08-14T02:52:49.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"9780914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2024-08-14T02:39:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the collection account reported by \" Southwest Credit <em>Systems</em> '' on my credit report and to request an <em>investigation</em> into their <em>practices</em> and compliance with <em>federal</em> consumer protection laws. \n\nXXXX. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request."],"company":["Southwest Credit <em>Systems</em>, L.P."]},"sort":[13.725693,"9780914"]},{"_index":"complaint-public-v1","_id":"8804464","_score":13.580823,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against the collection agency, I C System. This collection account is reporting not only as open but also shows a past-due balance of {$2200.00}. I am disputing the validity of the alleged debt claimed by I C System and have significant concerns regarding their compliance with federal consumer protection laws. \n\n1. Violation of Validation Requirements : I C System has failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have proceeded to place the collection on my consumer report without my consent or proper notification.\n\n2. Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to dispute the debt within a certain timeframe upon notification. I C System has not provided me with an opportunity to dispute the account, thereby denying me my rights under federal law.\n\n3. Deceptive Practices : I believe that I C System is engaging in deceptive and misleading practices, which is a violation of my consumer rights. They have used false information and deceptive means in their attempts to collect a debt, actions which I consider to be unethical and illegal.\n\n4. Unauthorized Reporting : Furthermore, I C System has no authority to report any debt to consumer reporting agencies without fulfilling all legal disclosures required by 12 CFR 1006.34 ( d ) and 15 USC 1681_S 2 ( 7 ) ( a ). Their failure to provide these disclosures before reporting the debt is a clear violation of federal law.\n\nGiven these concerns, I hereby : -Dispute any and all debts claimed by I C System.\n\n-Revoke all consents previously given, if any, to I C System for communication through email, text messages, and telephone calls, in accordance with the rights afforded to me under the Federal Debt Collection Practices Act.\n\n-Request a copy of the purchase agreement between I C System and the original creditor to substantiate their claim.\n\n-Request proof that I C System is licensed and bonded to collect debts in my state.\n\nPlease take immediate action and investigate these matters thoroughly. I expect I C System to comply with all legal standards and cease all deceptive and unauthorized practices immediately.\n\nThank you for your attention to this urgent matter. I look forward to your prompt response and resolution.","date_sent_to_company":"2024-04-19T00:47:55.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"32209","tags":null,"has_narrative":true,"complaint_id":"8804464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2024-04-19T00:27:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["-Revoke all consents previously given, if any, to I C <em>System</em> for communication through email, text messages, and telephone calls, in accordance with the rights afforded to me under the <em>Federal</em> Debt Collection <em>Practices</em> Act.\n\n-Request a copy of the purchase agreement between I C <em>System</em> and the original creditor to substantiate their claim.\n\n-Request proof that I C <em>System</em> is licensed and bonded to collect debts in my state.\n\nPlease take immediate action and <em>investigate</em> these matters thoroughly."],"company":["<em>System</em>, Inc."]},"sort":[13.580823,"8804464"]},{"_index":"complaint-public-v1","_id":"13019519","_score":13.490324,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against National Credit Systems for failing to properly investigate my disputes regarding inaccuracies in my credit report. \nDespite me speaking with them, National credit systems consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, National Credit Systems actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure National credit systems complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-04-16T06:24:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30101","tags":null,"has_narrative":true,"complaint_id":"13019519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-04-16T06:06:39.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am filing a complaint against National Credit <em>Systems</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. \nDespite me speaking with them, National credit <em>systems</em> consistently responds stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. \nThis <em>practice</em> violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"company":["National Credit <em>Systems</em>,Inc."]},"sort":[13.490324,"13019519"]},{"_index":"complaint-public-v1","_id":"20221574","_score":13.419067,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Jefferson Capital Systems , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ).\n\nJefferson Capital sent text messages regarding an alleged debt to my spouse, who is not a co-borrower, co-signer, or otherwise legally responsible for this account. This constitutes improper third-party disclosure of debt information under 15 U.S.C. 1692c ( b ).\n\nI formally notified the company in writing to cease third-party communication and to communicate only with me by mail. Despite this, they continue attempting to collect and disclose account information through unauthorized communications.\n\nI am requesting that the CFPB investigate this conduct and require Jefferson Capital Systems to cease improper communications and comply with federal law.\n\nBased on the documented communications, this appears to be part of a pattern and practice of unlawful third-party disclosure in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), and I request that the CFPB investigate whether Jefferson Capital Systems , LLC is engaging in similar conduct with other consumers.","date_sent_to_company":"2026-03-12T23:29:48.000Z","issue":"Electronic communications","sub_product":"Credit card debt","zip_code":"45840","tags":null,"has_narrative":true,"complaint_id":"20221574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-03-12T23:01:05.000Z","state":"OH","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> this conduct and require Jefferson Capital <em>Systems</em> to cease improper communications and comply with <em>federal</em> law.\n\nBased on the documented communications, this appears to be part of a pattern and <em>practice</em> of unlawful third-party disclosure in violation of the Fair Debt Collection <em>Practices</em> Act ( 15 U.S.C. 1692c ( b ) ), and I request that the CFPB <em>investigate</em> whether Jefferson Capital <em>Systems</em> , LLC is engaging in similar conduct with other consumers."]},"sort":[13.419067,"20221574"]},{"_index":"complaint-public-v1","_id":"11672499","_score":13.137206,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Navy Federal Credit Union in regards to many overdraft fees I have inccured. Despite having sufficient funds available when transactions were authorized. I was charged fees due to their lagging system posting charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.","date_sent_to_company":"2025-01-17T08:48:43.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"274XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11672499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-01-17T08:09:13.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I believe these <em>practices</em> are unfair and request an <em>investigation</em> into my account transactions."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"]},"sort":[13.137206,"11672499"]},{"_index":"complaint-public-v1","_id":"11801629","_score":13.038143,"_source":{"product":"Debt collection","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Transworld Systems Inc. for Alleged Debt Collection Practices Dear CFPB, I am filing this complaint against Transworld Systems Inc. for their attempts to collect an alleged debt they claim I owe to XXXX XXXX. Their practices violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and other federal laws. \n\nDetails of the Issue : Transworld Systems Inc. has sent me a collection notice dated XX/XX/year>, regarding an XXXX XXXX account with a balance of {$4100.00}. The debt collector failed to provide adequate validation of the debt, as required by XXXX XXXX. XXXX. Specifically : 1. They have not provided proper proof of ownership of the debt or any signed agreement tying me to\n\nthis obligation. 2. Their correspondence lacks a clear accounting of the alleged amount owed, making it difficult to verify its accuracy. Additionally, the aggressive collection tactics used by Transworld Systems Inc. inc\nlude vague language and insufficient details, which I believe are deceptive and violate my rights under FDCPA provisions prohibiting false or misleading representations.\n\nRequested Resolution : I request that the CFPB investigate the following : 1. Whether Transworld Systems Inc. has sufficient documentation to validate and prove their legal authority to collect on this alleged debt.\n\n2. Whether their communication practices comply with the FDCPA and other applicable regulations.\n\n2. False and Deceptive Practices : Under XXXX XXXX XXXX  Transworld Systems Inc. has engaged in deceptive practices by attempting to collect on a debt without proper evidence of their authority or ownership. This creates a misleading impression of their right to collect, violating federal law. \n3. Violations of the Fair Credit Reporting Act ( FCRA ) : If this alleged debt has been reported to the credit bureaus, Transworld Systems Inc. and XXXX XXXX have likely violated XXXX XXXX XXXX by reporting inaccurate information without proper investigation or substantiation. \n\n\nXXXX. Improper Assignment and Handling of Debt : XXXX XXXX has written off this account as charged-off and is now attempting to collect on the account through Transworld Systems XXXX XXXX XXXX ). Based on my understanding : If XXXX XXXX has issued a XXXX form for this account, it legally signifies that the debt has been canceled and is no longer enforceable for collection under IRS guidelines XXXX \nIf a XXXX has not been issued, XXXX XXXX XXXX XXXX : XXXX that the debt remains legally enforceable ; Documentation confirming that the receivable was not securitized or sold to an investor or trust, rendering it unenforceable. \n\nXXXX XXXX simultaneous charge-off of the debt and assignment to a third-party collector ( XXXX ) for recovery raises serious legal and ethical concerns. This practice amounts to extortionate behavior and potential double-dipping, in clear violation of XXXX XXXX. XXXX. \n\n\nXXXX. XXXX Practices ( XXXX XXXX. XXXX ) : The attempt to recover this charged-off debt constitutes an extortionate collection practice. The predatory behavior is evident through : XXXX of Credit Card Receivables : XXXX XXXX commonly securitizes credit card receivables into trusts, transferring the rights to payment to investors or other entities. This indicates that the debt is no longer owned by XXXX XXXX","date_sent_to_company":"2025-01-27T21:52:50.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11801629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-01-27T21:28:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Transworld <em>Systems</em> Inc. for Alleged Debt Collection <em>Practices</em> Dear CFPB, I am filing this complaint against Transworld <em>Systems</em> Inc. for their attempts to collect an alleged debt they claim I owe to XXXX XXXX. Their <em>practices</em> violate several provisions of the Fair Debt Collection <em>Practices</em> Act ( FDCPA ) and other <em>federal</em> laws."],"company":["TRANSWORLD <em>SYSTEMS</em> INC"]},"sort":[13.038143,"11801629"]},{"_index":"complaint-public-v1","_id":"19217129","_score":12.980563,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by Southwest Credit Systems. \n\nSouthwest Credit Systems is attempting to collect and/or reporting an alleged debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have disputed the alleged debt and requested validation, including proof that I am legally obligated to pay, proof of ownership of the debt, and a complete chain of title from the original creditor. \n\nTo date, they have failed to provide sufficient documentation to validate the debt. Despite this, the company has continued collection activity and/or continued reporting the account to consumer reporting agencies while the debt remains disputed. \n\nReporting an unverified or disputed debt and continuing collection efforts without proper validation is misleading and constitutes improper collection practices. \n\nI am requesting that the CFPB require Southwest Credit Systems. to either : Cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. \n\nI request that the CFPB investigate Southwest Credit Systems debt collection and reporting practices for compliance with federal law.","date_sent_to_company":"2026-02-03T18:37:37.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"19217129","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2026-02-03T18:27:30.000Z","state":"TX","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Reporting an unverified or disputed debt and continuing collection efforts without proper validation is misleading and constitutes improper collection <em>practices</em>. \n\nI am requesting that the CFPB require Southwest Credit <em>Systems</em>. to either : Cease all collection activity and delete the account from all consumer credit reports if validation can not be produced. \n\nI request that the CFPB <em>investigate</em> Southwest Credit <em>Systems</em> debt collection and reporting <em>practices</em> for compliance with <em>federal</em> law."],"company":["Southwest Credit <em>Systems</em>, L.P."]},"sort":[12.980563,"19217129"]},{"_index":"complaint-public-v1","_id":"15600881","_score":12.866034,"_source":{"product":"Debt collection","complaint_what_happened":"Jefferson Capital Systems Failure to Validate Debt / Fair Credit Reporting Act & Fair Debt Collection Practices Act Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Jefferson Capital Systems regarding their unlawful debt collection practices and failure to comply with federal credit laws.\n\nJefferson Capital Systems is attempting to collect on an account allegedly under my name. However, they have failed to provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, despite my repeated written requests. Under the FDCPA, a consumer has the right to request full validation of an account, including : Proof that the debt exists and is owed by me. \n\nA complete payment history and accounting. \n\nProof of their legal right to collect the alleged debt. \n\nA copy of the original signed agreement or contract. \n\nTo date, Jefferson Capital Systems has not provided any of these documents, yet continues to report this account to the credit reporting agencies, which constitutes continued collection activity without validationa direct violation of the FDCPA.\n\nAdditionally, this conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires furnishers of information to credit reporting agencies to report accurate and verifiable information. Since Jefferson Capital Systems has not validated the debt, their reporting of this account is inaccurate, misleading, and damaging to my credit profile. \n\nI am requesting that the CFPB investigate this matter and require Jefferson Capital Systems to : Provide full and proper validation of the alleged account in compliance with the FDCPA. \n\nImmediately cease all collection activity until such validation is provided. \n\nRemove any unvalidated or inaccurate information they have furnished to the credit reporting agencies. \n\nEnsure compliance with all applicable federal credit laws moving forward. \n\nThis account has caused unnecessary stress, reputational harm, and credit damage. I ask that the CFPB take prompt action to address Jefferson Capital Systems unlawful practices. \n\nThank you for your assistance.","date_sent_to_company":"2025-08-29T17:27:19.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"15600881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-08-29T17:21:49.000Z","state":"NV","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Jefferson Capital <em>Systems</em> Failure to Validate Debt / Fair Credit Reporting Act & Fair Debt Collection <em>Practices</em> Act Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Jefferson Capital <em>Systems</em> regarding their unlawful debt collection <em>practices</em> and failure to comply with <em>federal</em> credit laws.\n\nJefferson Capital <em>Systems</em> is attempting to collect on an account allegedly under my name."]},"sort":[12.866034,"15600881"]},{"_index":"complaint-public-v1","_id":"19193538","_score":12.844116,"_source":{"product":"Debt collection","complaint_what_happened":"FORMAL CONSUMER COMPLAINT CREDIT REPORTING ABUSE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX Date : XX/XX/XXXX Against : IC System Inc. ( Debt Collector ) XXXX  XXXX XXXX  Re : Federal Credit Reporting and Debt Collection Violations To Whom It May Concern : I am filing a formal federal complaint against IC System Inc. and XXXX XXXX XXXX for unlawful debt collection and credit reporting practices in violation of federal law. \n\nIC System is reporting a collection account under my name : Creditor : IC SYSTEM INC Account Number : XXXX Balance : {$760.00} Opened : XX/XX/XXXX This account is being reported to XXXX  as a valid debt despite IC System having no lawful proof that the debt is mine, legally owed, or legally reportable. \n\nIC System has never provided : A signed contract A bill of sale A chain of custody An itemized statement Proof of reporting authority Despite this, they are publishing this information to XXXX, damaging my credit, blocking me from credit approval, and causing financial injury.\n\nThese actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681i, 1681e ( b ) ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e ) This illegal reporting has caused me : Credit denials Financial loss Emotional XXXX  Damage to my reputation I request the CFPB and FTC to : 1. Order the immediate deletion of this account 2. Investigate IC System for unlawful credit reporting 3. Impose regulatory penalties 4. Require restitution and damages This company is using credit reporting as a weapon to extort money on unverified debt, which is illegal under federal law. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2026-02-10T12:49:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"06610","tags":null,"has_narrative":true,"complaint_id":"19193538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-02-02T21:56:51.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["FORMAL CONSUMER COMPLAINT CREDIT REPORTING ABUSE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX Date : XX/XX/XXXX Against : IC <em>System</em> Inc. ( Debt Collector ) XXXX  XXXX XXXX  Re : <em>Federal</em> Credit Reporting and Debt Collection Violations To Whom It May Concern : I am filing a formal <em>federal</em> complaint against IC <em>System</em> Inc. and XXXX XXXX XXXX for unlawful debt collection and credit reporting <em>practices</em> in violation of <em>federal</em> law."],"company":["<em>System</em>, Inc."]},"sort":[12.844116,"19193538"]},{"_index":"complaint-public-v1","_id":"19273054","_score":12.812326,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Complaint Against Jefferson Capital Systems , LLC FDCPA & FCRA Violations I am submitting this complaint against Jefferson Capital Systems , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nJefferson Capital Systems , LLC has engaged in improper debt collection practices and inaccurate credit reporting regarding an alleged debt they claim I owe. \n\nSummary of Issues : - Jefferson Capital Systems , LLC has reported the same alleged debt more than once to consumer reporting agencies, creating duplicate tradelines. \n- This duplicate reporting inaccurately inflates my debt and misrepresents the character, amount, and legal status of the account. \n- I have disputed this inaccurate reporting directly with the credit bureaus. \n- I have also demanded that Jefferson Capital Systems , LLC cease collection activity and correct the inaccurate reporting. \n- Despite this, the inaccurate and duplicate reporting remains, and collection activity has continued. \n\nViolations Include : - Misrepresentation of a debt in violation of 15 U.S.C. 1692e - Use of unfair or unconscionable collection practices in violation of 15 U.S.C. 1692f - Failure to report accurate information and failure to properly investigate disputed information in violation of 15 U.S.C. 1681s-2 Resolution Requested : - Immediate correction or deletion of all inaccurate and duplicate credit reporting - Immediate cessation of all collection activity - Written confirmation that these violations have been remedied - Assurance of future compliance with federal consumer protection laws I am requesting the CFPBs assistance in resolving this matter and ensuring Jefferson Capital Systems , LLC complies with all applicable federal laws.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-02-05T15:58:43.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"40324","tags":null,"has_narrative":true,"complaint_id":"19273054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-02-05T15:49:28.000Z","state":"KY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["have been remedied - Assurance of future compliance with <em>federal</em> consumer protection laws I am requesting the CFPBs assistance in resolving this matter and ensuring Jefferson Capital <em>Systems</em> , LLC complies with all applicable <em>federal</em> laws."]},"sort":[12.812326,"19273054"]},{"_index":"complaint-public-v1","_id":"20790730","_score":12.772283,"_source":{"product":"Student loan","complaint_what_happened":"I am filing a complaint regarding inaccurate and conflicting reporting of my federal student loan status by MyEdDebt. \nMy FAFSA records indicate that I am not in default ; however, MyEdDebt is reporting my loans as in default and has taken collection control. Additionally, there is a discrepancy with my legal name in federal systems, which appears to be contributing to the inconsistency. \nThis conflicting reporting is actively preventing my ability to enroll in school and access federal financial aid. I have attempted to resolve this directly, but the issue remains unresolved. \nI am requesting immediate investigation, correction of any inaccurate reporting, and coordination with Federal Student Aid to ensure all systems reflect accurate and consistent information. This situation involves unfair and inaccurate reporting practices that are causing harm to my ability to access education. \nMy federal student loan status is being reported inconsistently. My FAFSA indicates that I am not in default, while MyEdDebt is reporting my loans as in default and has placed them in collections. Additionally, there is a discrepancy with my legal name in the National Student Loan Data System ( NSLDS ), which appears to be contributing to the inconsistency.","date_sent_to_company":"2026-03-30T23:15:42.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20790730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2026-03-30T23:05:45.000Z","state":"TX","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["This conflicting reporting is actively preventing my ability to enroll in school and access <em>federal</em> financial aid. I have attempted to resolve this directly, but the issue remains unresolved. \nI am requesting immediate <em>investigation</em>, correction of any inaccurate reporting, and coordination with <em>Federal</em> Student Aid to ensure all <em>systems</em> reflect accurate and consistent information."],"company":["Maximus <em>Federal</em> Services, Inc."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[12.772283,"20790730"]},{"_index":"complaint-public-v1","_id":"8395330","_score":12.764139,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Jefferson Capital System for Violation of Consumer Laws on XX/XX/2023, in the amount of {$1400.00} Dear Sir/Madam, I am writing to file a formal complaint against Jefferson Capital System regarding their egregious violations of consumer protection laws. As a diligent consumer, I have become aware of several instances where Jefferson Capital System has flagrantly disregarded key provisions outlined in federal consumer laws, thereby jeopardizing my consumer rights and financial well-being. \nSpecifically, Jefferson Capital System has violated the following four consumer protection laws : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Despite their obligation under federal law to furnish validation information, Jefferson Capital System has neglected to provide any such validation information while simultaneously placing a collection on my consumer report.\n\n2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by federal regulations. Jefferson Capital System 's failure to provide a platform for dispute directly contravenes the protections afforded to consumers under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).\n\n3. Employment of Deceptive Practices : Jefferson Capital System has engaged in false, misleading, and deceptive practices, thereby infringing upon my consumer rights. These misleading practices include but are not limited to misrepresentation of information and deceptive means of communication.\n\n4. Furnishing of Account Information without Proper Disclosure ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Jefferson Capital System has unlawfully furnished account information to consumer reporting agencies without providing the requisite disclosures mandated by federal law. This blatant disregard for disclosure requirements constitutes a clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).\n\nIn addition to addressing these violations, I request the following : 1. Debt Validation Letter : I kindly request that Jefferson Capital System provide a thorough debt validation letter, including all pertinent details related to the alleged debt. This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ).\n\n2. Agreement Between Jefferson Capital System and the Original Creditor : I also request a copy of the agreement between Jefferson Capital System and the original creditor pertaining to the alleged debt. This documentation is essential for understanding the legitimacy of the debt and ensuring compliance with relevant consumer protection laws.\n\nThese requests are made in accordance with my rights as a consumer, and I expect Jefferson Capital System to fulfill these requests promptly and in adherence to the applicable laws.\n\nI trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into Jefferson Capital System 's practices and take appropriate enforcement action to remedy these violations. Furthermore, I request that Jefferson Capital System be held accountable for their actions and be compelled to rectify any harm caused to affected consumers, including myself. Additionally, I kindly request that the Bureau keep me informed of any developments regarding this complaint.\n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt and decisive action to uphold consumer rights and ensure compliance with federal consumer protection laws. \nSincerely","date_sent_to_company":"2024-02-22T16:47:41.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"73110","tags":"Servicemember","has_narrative":true,"complaint_id":"8395330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-02-22T16:35:41.000Z","state":"OK","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["These requests are made in accordance with my rights as a consumer, and I expect Jefferson Capital <em>System</em> to fulfill these requests promptly and in adherence to the applicable laws.\n\nI trust that the Consumer Financial Protection Bureau will conduct a thorough <em>investigation</em> into Jefferson Capital <em>System</em> 's <em>practices</em> and take appropriate enforcement action to remedy these violations."]},"sort":[12.764139,"8395330"]},{"_index":"complaint-public-v1","_id":"16413249","_score":12.735128,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing the accuracy of the account reported by IC System , Inc. ( Account # XXXX ). I have no knowledge of this alleged debt and was never provided proper notice or an opportunity to dispute it as required under the Fair Debt Collection Practices Act. If IC System contends that notice was provided, please supply verifiable proof, including certified mail with my signed receipt. In the absence of such evidence, I request immediate deletion of this account from my credit reports pursuant to the Fair Credit Reporting Act. I respectfully request that the CFPB investigate this matter to ensure compliance with federal law.","date_sent_to_company":"2025-10-07T20:04:39.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"60618","tags":"Servicemember","has_narrative":true,"complaint_id":"16413249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-10-07T19:49:54.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB <em>investigate</em> this matter to ensure compliance with <em>federal</em> law."],"company":["<em>System</em>, Inc."]},"sort":[12.735128,"16413249"]},{"_index":"complaint-public-v1","_id":"12075594","_score":12.720842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. \n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate Consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigation that fail to address consumer disputes properly. \nReinserting previously disputed and inaccurate information without explanation. \nFailing to notify consumers about investigation results effectively. \nThese allegations highlight systems issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.","date_sent_to_company":"2025-02-11T19:27:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48504","tags":null,"has_narrative":true,"complaint_id":"12075594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T18:50:20.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am aware of my rights under the Fair Credit Reporting Act and request a thorough <em>investigation</em> into these inaccuracies, as required by <em>federal</em> law. \n\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly <em>investigate</em> Consumer disputes, citing \" sham <em>investigations</em> '' and other unlawful <em>practices</em>. These <em>practices</em>, as outlined by the CFPB, include : Conducting inadequate <em>investigation</em> that fail to address consumer disputes properly."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.720842,"12075594"]},{"_index":"complaint-public-v1","_id":"20701263","_score":12.704745,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding a collection account being reported by I.C. System, Inc. that I have formally disputed and requested validation for.\n\nI sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA 809 ), requesting documentation to support the validity of this alleged debt. Specifically, I requested a copy of the original contract, billing statements, proof of assignment, and verification of the amount being reported.\n\nAs of this complaint, I.C. System has not provided any documentation verifying this debt. Despite this, the account continues to be reported on my credit report, which is inaccurate and unverified.\n\nAdditionally, this account has already been removed or is not reporting with another credit bureau after investigation, further demonstrating inconsistency and lack of proper verification.\n\nI.C. System is continuing to report this account without providing proper validation, which is a violation of federal law.\n\nI am requesting CFPB assistance to ensure compliance with the Fair Debt Collection Practices Act and Fair Credit Reporting Act.","date_sent_to_company":"2026-03-27T00:37:37.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"20701263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2026-03-27T00:27:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, this account has already been removed or is not reporting with another credit bureau after <em>investigation</em>, further demonstrating inconsistency and lack of proper verification.\n\nI.C. <em>System</em> is continuing to report this account without providing proper validation, which is a violation of <em>federal</em> law.\n\nI am requesting CFPB assistance to ensure compliance with the Fair Debt Collection <em>Practices</em> Act and Fair Credit Reporting Act."],"company":["<em>System</em>, Inc."]},"sort":[12.704745,"20701263"]},{"_index":"complaint-public-v1","_id":"11212020","_score":12.695847,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding Southwest Credit Systems and their handling of an account that has been reported on my credit report. I have no knowledge of this debt, and despite my efforts to seek validation and resolution, Southwest Credit Systems has failed to comply with applicable federal credit reporting and collection laws. \n\nNature of the Complaint Southwest Credit Systems has reported a collection account to the credit reporting agencies without providing proper documentation or validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I have made repeated requests for : Verification of the alleged debt, including the original agreement or contract. \nA detailed breakdown of the amount owed, including principal, interest, and any added fees. \nProof that Southwest Credit Systems has the legal right to collect this debt. \nUnder the FDCPA ( 15 U.S.C. 1692g ), I am entitled to a written validation of the debt within 30 days of my request. Southwest Credit Systems has failed to meet this legal obligation, leaving me with no clarity about the legitimacy of this account. \n\nAdditionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I have disputed the accuracy of the information with the credit reporting agencies. Despite this, the collection account remains on my credit report without any investigation or resolution, which violates their responsibility to ensure accurate reporting.\n\nImpact on Credit Profile The continued reporting of this account is causing undue harm to my creditworthiness, impacting my ability to access fair credit opportunities. I believe this constitutes a violation of my rights under both the FDCPA and FCRA.\n\nRequested Actions Validation of the Debt : Southwest Credit Systems must provide documentation that substantiates the debt or immediately cease collection activities. \nRemoval from Credit Reports : If Southwest Credit Systems can not validate the debt, I request the immediate deletion of the account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). \nInvestigation of Reporting Practices : I request the Consumer Financial Protection Bureau ( CFPB ) investigate Southwest Credit Systems compliance with federal credit laws to ensure they uphold the rights of consumers. \nConclusion This matter has caused significant distress and negatively affected my financial well-being. I trust the CFPB will take appropriate actions to address these issues and hold Southwest Credit Systems accountable for any violations. \n\nThank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal laws and resolving this issue.","date_sent_to_company":"2024-12-19T18:13:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89115","tags":null,"has_narrative":true,"complaint_id":"11212020","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2024-12-19T18:04:33.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Investigation</em> of Reporting <em>Practices</em> : I request the Consumer Financial Protection Bureau ( CFPB ) <em>investigate</em> Southwest Credit <em>Systems</em> compliance with <em>federal</em> credit laws to ensure they uphold the rights of consumers. \nConclusion This matter has caused significant distress and negatively affected my financial well-being. I trust the CFPB will take appropriate actions to address these issues and hold Southwest Credit <em>Systems</em> accountable for any violations."],"company":["Southwest Credit <em>Systems</em>, L.P."]},"sort":[12.695847,"11212020"]},{"_index":"complaint-public-v1","_id":"15346473","_score":12.680969,"_source":{"product":"Debt collection","complaint_what_happened":"Illegal Re-Aging of Debt by Jefferson Capital Systems, I am filing this complaint regarding Jefferson Capital Systems and their unlawful reporting practices. \n\nJefferson Capital Systems previously reported a collection account to the credit bureaus under ( XXXX XXXX XXXX XXXX ). After I disputed the account, Jefferson Capital failed to provide proper verification and the credit bureaus deleted the account in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) back in XX/XX/year>. \n\nHowever, XXXX XXXX has since re-reported the same account with a new open date, reporting XX/XX/year> effectively re-aging the debt. I sent a letter to the collection company and the credit bureaus stating \" By re-reporting this account with a false open date, Jefferson Capital Systems has engaged in deceptive reporting practices, damaged my creditworthiness, and violated my rights under federal consumer protection laws. That the last investigation lead to this account being deleted off all bureaus. Thereafter, Jefferson Capital Systems reopened an account as reporting date XX/XX/year> to restart all the years without proof. I also asked Jefferson Capital Systems to immediately, permanently delete the account from all credit bureaus.","date_sent_to_company":"2025-08-18T18:14:12.000Z","issue":"False statements or representation","sub_product":"Telecommunications debt","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"15346473","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-08-18T17:38:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I sent a letter to the collection company and the credit bureaus stating \" By re-reporting this account with a false open date, Jefferson Capital <em>Systems</em> has engaged in deceptive reporting <em>practices</em>, damaged my creditworthiness, and violated my rights under <em>federal</em> consumer protection laws. That the last <em>investigation</em> lead to this account being deleted off all bureaus. Thereafter, Jefferson Capital <em>Systems</em> reopened an account as reporting date XX/XX/year> to restart all the years without proof."]},"sort":[12.680969,"15346473"]},{"_index":"complaint-public-v1","_id":"21940695","_score":12.677073,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing a formal complaint regarding a solar loan originally associated with XXXX XXXX XXXX XXXX and financed through Mosaic, now being serviced by Solar Servicing LLC. \n\nThis loan is disputed due to material misrepresentation, system non-performance, and failure of consideration. \n\nAt the time of sale, I was told that the solar system would significantly reduce my electricity costs and that I would receive a federal tax credit in the first year that could be applied toward the loan. These representations were critical in my decision to proceed. \n\nHowever, the written agreement explicitly states that there are no guarantees regarding system performance, savings, or tax incentives. This directly contradicts the sales representations made to me and constitutes deceptive and misleading practices. \n\nAdditionally, the solar system has not performed as expected and is not providing the promised benefits. The installer, XXXX XXXX XXXX XXXX, is now bankrupt and unable to fulfill its contractual warranty obligations, leaving me with a non-performing system and no support. \n\nThe loan was issued based on the expectation of a functioning system providing economic value. That has not occurred. Therefore, this represents a failure of consideration. \n\nI am requesting : XXXX. Full validation of the debt, including proof of ownership and complete chain of assignment from Mosaic to the current holder XXXX. Suspension of collection activity while the dispute is under investigation XXXX. A fair resolution, which may include loan discharge, reduction, or other remedy I believe I have been subjected to unfair and deceptive practices and request immediate investigation. \n\nI am prepared to pursue further legal action if this matter is not resolved","date_sent_to_company":"2026-05-06T17:40:35.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"02905","tags":null,"has_narrative":true,"complaint_id":"21940695","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Solar Mosaic LLC","date_received":"2026-05-06T16:21:17.000Z","state":"RI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Suspension of collection activity while the dispute is under <em>investigation</em> XXXX. A fair resolution, which may include loan discharge, reduction, or other remedy I believe I have been subjected to unfair and deceptive <em>practices</em> and request immediate <em>investigation</em>. \n\nI am prepared to pursue further legal action if this matter is not resolved"]},"sort":[12.677073,"21940695"]},{"_index":"complaint-public-v1","_id":"10980361","_score":12.669442,"_source":{"product":"Debt collection","complaint_what_happened":"Transworld Systems Inc. Violating Debt Collection Laws I am submitting this complaint regarding Transworld Systems Inc. ( TSI ) for violating my rights under XXXX  law and the federal Fair Debt Collection Practices Act ( FDCPA ). TSI has repeatedly sent me letters attempting to collect on an alleged debt, as shown in the attached document. Despite my clear requests for debt validation, they have failed to provide the required documentation to validate the legitimacy of the alleged debt. \n\nUnder the FDCPA, debt collectors are required to cease collection efforts until they have validated the debt upon request. TSI has continued to send collection letters without ever responding to my requests for validation. This constitutes harassment and a violation of my consumer rights under both state and federal law. \n\nI do not owe the alleged debt, and TSIs refusal to validate the debt while continuing collection attempts has caused significant frustration and distress. I request that the CFPB investigate Transworld Systems Inc. for its practices, require them to validate the alleged debt or cease all collection efforts, and ensure compliance with all relevant debt collection laws.\n\nAttached is the most recent letter I received from TSI, which further demonstrates their ongoing refusal to validate the alleged debt. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-11-30T19:09:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"187XX","tags":null,"has_narrative":true,"complaint_id":"10980361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-11-30T19:04:30.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["This constitutes harassment and a violation of my consumer rights under both state and <em>federal</em> law. \n\nI do not owe the alleged debt, and TSIs refusal to validate the debt while continuing collection attempts has caused significant frustration and distress. I request that the CFPB <em>investigate</em> Transworld <em>Systems</em> Inc. for its <em>practices</em>, require them to validate the alleged debt or cease all collection efforts, and ensure compliance with all relevant debt collection laws."],"company":["TRANSWORLD <em>SYSTEMS</em> INC"]},"sort":[12.669442,"10980361"]},{"_index":"complaint-public-v1","_id":"19530356","_score":12.631944,"_source":{"product":"Debt collection","complaint_what_happened":"National Credit Systems , Inc is reporting a collection account on my credit report in the amount of approximately {$12000.00}. \n\nI do not have a valid contract or agreement with National Credit Systems , Inc, and they have not provided proper documentation proving their legal authority to collect or report this alleged debt. \n\nUnder federal law, including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt collector must provide full validation of the debt, including : A signed lease or agreement bearing my signature Full account history and itemized charges Proof of legal assignment or ownership of the debt Documentation demonstrating their legal authority to collect and report this account National Credit Systems , Inc has reported this account without providing sufficient documentation to verify its accuracy or validity. \n\nReporting unverified or inaccurate information violates federal law, including : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable investigation FDCPA 809 failure to properly validate the alleged debt This inaccurate reporting is damaging my credit profile. \n\nI am requesting a full investigation and immediate deletion of this account if proper documentation can not be provided. \n\nFailure to correct or delete inaccurate reporting constitutes negligent and willful noncompliance with federal law.","date_sent_to_company":"2026-02-16T17:33:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"19530356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2026-02-16T17:28:57.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under <em>federal</em> law, including the Fair Credit Reporting Act and the Fair Debt Collection <em>Practices</em> Act, a debt collector must provide full validation of the debt, including : A signed lease or agreement bearing my signature Full account history and itemized charges Proof of legal assignment or ownership of the debt Documentation demonstrating their legal authority to collect and report this account National Credit <em>Systems</em> , Inc has reported this account without providing sufficient documentation to"],"company":["National Credit <em>Systems</em>,Inc."]},"sort":[12.631944,"19530356"]},{"_index":"complaint-public-v1","_id":"13337905","_score":12.617754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a fraudulent entry on my ChexSystems consumer report that is labeled as \" suspected fraud activity. '' This information does not belong to me and is incorrect. \n\nOn XX/XX/year>, I submitted a formal dispute to ChexSystems asking them to investigate and remove the entry. On XX/XX/year>, ChexSystems responded that the information had been \" verified '' and would not be removed, but they did not provide any evidence or documentation to support that decision. \n\nOn XX/XX/year>, I submitted a written request for a description of the procedures used to verify the disputed information, as is my right under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), and am still awaiting a proper response.\n\nThis incorrect reporting has resulted in significant harm, including being denied access to basic financial services such as opening a bank account. I am requesting that the CFPB investigate ChexSystems ' dispute handling practices and ensure that they comply with their obligations under federal law.","date_sent_to_company":"2025-05-13T20:13:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55412","tags":null,"has_narrative":true,"complaint_id":"13337905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-05-05T23:06:05.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> Chex<em>Systems</em> ' dispute handling <em>practices</em> and ensure that they comply with their obligations under <em>federal</em> law."]},"sort":[12.617754,"13337905"]},{"_index":"complaint-public-v1","_id":"20283898","_score":12.572812,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Jefferson Capital Systems , LLC regarding an alleged collection account being reported on my credit report for {$570.00} ( Account # XXXX ). \nOver XXXX XXXX  ago, I formally requested proper validation of this alleged debt from Jefferson Capital Systems in accordance with federal law. Despite multiple requests, they have failed to provide any legitimate documentation validating the debt, yet they continue to report the account to consumer reporting agencies. \nI never received the required written notice of the debt prior to it being reported on my credit report, which raises serious concerns regarding their compliance with federal consumer protection laws. \nIt is extremely concerning that in 2026, companies like Jefferson Capital still attempt to report alleged debts without providing the documentation required by law. Consumers today have access to information through XXXX, XXXX, XXXX XXXX, and federal regulations, and we know what proper debt validation actually requires. What Jefferson Capital has provided is not validation and does not meet legal standards. \nBecause of this failure to comply with federal law, I have already filed complaints with the Federal Trade Commission ( FTC ) and the Office of the Attorney General regarding Jefferson Capitals practices. \nI am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this company and hold them accountable for their continued violations. I also request that this complaint be publicly visible on the CFPB website to warn other consumers about Jefferson Capital Systems and their practices. \nIf this account can not be properly validated in accordance with federal law, it must be immediately removed from my credit report.\n\nIf Jefferson Capital continues to report this account without proper validation, I am fully prepared to pursue legal action for violations of federal consumer protection laws.\n\nJefferson Capital Systems may be in violation of the following federal laws : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Failure to provide proper validation of the debt 15 U.S.C. 1692e Misrepresentation of the character, amount, or legal status of a debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to report an account as disputed 15 U.S.C. 1681i Failure to conduct a reasonable investigation Metro 2 Compliance Standards Reporting incomplete or unverifiable data Failure to maintain accurate reporting standards required for furnishers of information Under federal law, proper validation of a collection account must include : The name and address of the original creditor The original account number A copy of the original signed contract or agreement Documentation showing the consumers legal obligation to pay the debt A complete itemized payment history showing how the balance was calculated Documentation proving the debt was legally assigned or sold to Jefferson Capital Systems Copies of the original billing statements Verification that the account is within the statute of limitations Documentation showing the account is being reported accurately under Metro 2 compliance standards Again, this is not my interpretation these are the requirements under federal consumer protection laws.","date_sent_to_company":"2026-03-15T21:42:58.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20283898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-03-15T21:32:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I am requesting that the Consumer Financial Protection Bureau ( CFPB ) <em>investigate</em> this company and hold them accountable for their continued violations. I also request that this complaint be publicly visible on the CFPB website to warn other consumers about Jefferson Capital <em>Systems</em> and their <em>practices</em>. \nIf this account can not be properly validated in accordance with <em>federal</em> law, it must be immediately removed from my credit report."]},"sort":[12.572812,"20283898"]},{"_index":"complaint-public-v1","_id":"20284121","_score":12.5404415,"_source":{"product":"Credit card","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A NEW COMPLAINT CONCERNING ATTEMPTS TO MAKE A PAYMENT AND CONTINUE ERROR MESSAGE FROM TD BANK WHO IS REFUSING TO FIX THE PROBLEM! \n\n\nI am filing this complaint to request an investigation into TD Bank 's payment processing system used for Nordstrom credit card accounts, which appears to be blocking or interfering with my ability to submit payments, resulting in potential late fees and penalties. Recently, TD Bank assumed responsibility for processing payments for Nordstrom credit card accounts. Since this transition, I have experienced repeated problems attempting to make a payment on my account. Specifically : The system refused to process or accept my payment attempts, preventing me from making a timely payment. I contacted TD Bank customer service multiple times and was placed on extended holds exceeding XXXX minutes. After the hold, a representative returned and claimed they could not hear me, then instructed me to call back. This effectively terminated the call without resolving the payment issue. Because the system and customer service channel failed simultaneously, I was prevented from making a lawful payment on the account. This raises serious concerns that : TD Banks system may be improperly blocking payments. The failure of both online and phone payment channels may create a situation where consumers incur late fees or penalties through no fault of their own. The conduct may constitute unfair or deceptive practices under federal consumer protection law. Requested Investigation I respectfully request that the Consumer Financial Protection Bureau investigate : Whether TD Banks payment system is blocking or delaying legitimate consumer payments. Whether customers are being improperly charged late fees or penalties due to system failures. The contractual and operational relationship between TD Bank and Nordstrom Card Services regarding payment processing and fee assessment. Whether this conduct violates federal consumer protection laws prohibiting unfair or deceptive financial practices. Requested Resolution I request that : My account be credited for any fees or penalties resulting from the inability to submit payment. TD Bank ensure that payment systems function properly and allow consumers to make payments without obstruction. The CFPB determine whether systemic issues exist affecting other consumers. Supporting Evidence Available I can provide : Call logs showing repeated attempts to contact TD Bank. Records of payment attempts. Documentation showing the timing of the system failures.","date_sent_to_company":"2026-03-15T22:15:52.000Z","issue":"Problem when making payments","sub_product":"Store credit card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20284121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-03-15T22:12:16.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Because the <em>system</em> and customer service channel failed simultaneously, I was prevented from making a lawful payment on the account. This raises serious concerns that : TD Banks <em>system</em> may be improperly blocking payments. The failure of both online and phone payment channels may create a situation where consumers incur late fees or penalties through no fault of their own. 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