vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am submitting this complaint against CREDENCE RESOURCE MANAGMENT for failure to comply with federal debt collection laws under the FDCPA and Regulation F. 
CREDENCE RESOURCE MANAGMENT contacted me regarding an alleged debt tied to account # XXXX. 

However, they failed to send me a legally required written debt validation notice within XXXX ( XXXX ) days of their initial communication, as required under 15 U.S. Code 1692g ( a ) and 12 CFR 1006.34 ( Regulation F ).

I never received a validation notice including the amount of the debt, the name of the current creditor, my 30-day dispute rights, or my right to request the original creditor. No itemization of the debt was provided. No mailing confirmation, delivery log, or timestamped document has been submitted proving that a notice was ever sent. 

I formally disputed the debt and requested proof of compliance, including the exact date/time the notice was sent, a copy of the validation letter, and proof of ownership of the alleged debt. As of today, CREDENCE RESOURCE MANAGMENT has failed to provide any of the requested documents. 

If they are reporting this debt to any consumer reporting agencies without first complying with Regulation F, that also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for furnishing inaccurate or unverified data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX loans were transferred to this servicer with sufficient escrows to pay the last installment of property taxes. The servicer failed to pay the property taxes despite daily calls from me. ( Calls that were routinely dropped by the servicer ) A week late ( XX/XX/XXXX ), the servicer paid XXXX of the XXXX payments, but did not pay the fees ( {$190.00} ) that should be their responsibility due to their failure to pay the taxes on time. 
After repeated calling about the second loan ( on a different property ), I paid the property tax and penalties on XX/XX/XXXX as I did not want to incur additional penalties and interest ( this was in the amount of {$2000.00} ). Then the servicer claims to have paid that installment. I contacted XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX has not received the duplicate payment. 
I believe the servicer never sent the payment and has therefore stolen my property tax payment from my escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have disputed this credit card debt for XXXX now. It is not mine. They call nearly everyday, including sundays and weird hours. Im getting sick of it. Especially since the debt is not even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Since XX/XX/year>, I have been locked out of my Capital One online and mobile banking account ( last XXXX digits : XXXX ). Despite multiple attempts to resolve this issue by phone and in person, I remain unable to : Access my account digitally Link or transfer funds to external accounts such as XXXX XXXX XXXX XXXX XXXXXXXX Use the full functionality of my account

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

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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

Complaint narrative:
These accounts are being reported under my name without my authorization or consent. I have never opened, managed, or approved them. This is unacceptable, as it reflects false and misleading information on my financial record. I take my credit profile very seriously, and the presence of these fraudulent accounts is highly concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Me and my husband 's joint account in XXXX XXXX XXXX XXXX XXXX XXXX suffered a big fraud. Since XX/XX/year>, XXXX XXXX XXXX transactions have taken our money out continually and frequently with a different amount each time. Our online banking can not log in and XXXX XXXX XXXX  has not sent us monthly statements so I just find out on XXXX, XXXX. None of us has authorized transactions with XXXX XXXX at all. We already reported to bank but wish you can also give us some assistance if needed because it's a long time fraud. After I contacted XXXX XXXX, the agents told us the receivers ' XXXX XXXX and XXXX XXXX XXXX XXXX of them picked up money in XXXX, XXXX. However XXXX can not provide us the more detailed info like account number and card number but if police ask it, they definetely will help. The case number with XXXX is XXXX. Those money are our money and that's XXXX 's money too. If I can not fink those money back I can not live in the world anymore, don't let the criminals live in happy life and beyond the arm of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I mailed a formal written dispute to TransUnion challenging multiple inaccurate and unverifiable accounts on my credit report. I enclosed identification and proof of address.

A copy of that letter is attached to this complaint. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable investigation and provide me with the results of their reinvestigation within 30 days of receiving my dispute. To date, TransUnion
has failed to provide me with any written results or updated credit report.

This lack of response is a clear violation of my rights under the FCRA and has caused me ongoing harm by allowing inaccurate and derogatory information to remain on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint concerning the continued reporting of a XXXX  XXXX bankruptcy on my TransUnion credit report, which is outdated and unlawful under the Fair Credit Reporting Act ( FCRA ). I request the immediate deletion of this record from my credit file. 
Disputed Item Details : Type : XXXX  XXXX Bankruptcy Discharged Court : U.S. Bankruptcy XXXX XXXX XXXX XXXX New York Case Number : XXXX Date Filed : XX/XX/XXXX Date Discharged : XX/XX/XXXX Under FCRA 605 ( a ) ( 1 ), a bankruptcy may only be reported for seven years. This account has now been reported for over 8 years and 4 months, well past the permissible reporting period. Its continued inclusion is inaccurate, misleading, and a direct violation of federal law. 
On XX/XX/XXXX, I mailed a dispute letter to TransUnion, providing : Government-issued ID Social Security card Utility bill verifying my address In that letter, I requested full disclosure of TransUnions reinvestigation process, including : The method used to verify the bankruptcy The date of contact with the creditor/furnisher The name and contact information of the creditor/furnisher The identity of the individual who verified the information The communication method used ( phone, email, or mail ) Whether any of my personal identifiers ( SSN, address, DOB ) were shared during verification Instead of honoring my lawful dispute, TransUnion sent me a letter dated XX/XX/XXXX, claiming : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

On XX/XX/XXXX, I sent a second dispute with supporting documentation, again requesting : The name of the entity certifying accuracy The evidence relied upon to validate reporting The contact information of the certifying entity As of XX/XX/XXXX, TransUnion has not responded, again violating the statutory timeline under FCRA 611. 
As a result of these failures, I have suffered : Unjustified damage to my credit score Denial of financial opportunities Emotional distress from prolonged reporting of inaccurate information By refusing to delete this outdated record, TransUnion has willfully ignored its statutory obligations and is in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to XXXX XXXX XXXX XXXX XXXX XXXX  This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received a letter of writ saying that they are going to be garnishing my wages. I do not know what the debt is, or any communication, and they are doing this on a debt from 2006

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

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a non affiliated XXXX XXXX any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated XXXX XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX  ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX XXXX XXXXXXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief