vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Innovative Recovery regarding improper collection practices, failure to provide required notices, and unauthorized reporting to my credit file. 
On XX/XX/year>, I received a call from a phone number I did not recognize. The phone rang once and the caller hung up. I immediately called the number back, but the representative did not identify herself, did not state the purpose of the call, and I could hear her speaking to someone else in the background. I hung up because no one addressed me. 
Approximately 30 minutes later, the same representative called again. When I answered, I asked who she was and what the call was regarding. She said XXXX, but provided no further information. I informed her that I had been a victim of identity theft due to multiple data breaches affecting my personal information, and that I was recording the call for documentation. She stated that I could not do that, and abruptly ended the call. 
I have never received any written correspondence, validation notice, debt information, or initial communication from Innovative Recovery prior to this call. Despite this, they reported a collection account to my credit report without providing me any written verification or validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 
This is a violation of : 15 U.S.C. 1692g ( a ) failure to provide a written notice of debt within 5 days of initial communication 15 U.S.C. 1692d harassing and unprofessional communication practices 15 U.S.C. 1692e failure to identify themselves and provide meaningful disclosure of callers identity Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) furnishing inaccurate or unverifiable information to credit bureaus Innovative Recovery has never contacted me before this, has never mailed me any notice, and has never validated this alleged debt. Additionally, I am recovering from multiple identity theft related data breaches involving my Social Security number, date of birth, and full identity. This collection account may be fraudulent or linked to compromised information.

They are reporting {$2800.00} as a past due balance to all three Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Equifax only collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe account is shown in collection on TransUnion and Equifax only also showing XXXXate payment history on Experian and Equifax only collection account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Equifax only also showing late payment history on Experian and Equifax only collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian only which is being inconsistently reported among the national credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this second-round dispute because my credit report with TransUnion continues to display a fraudulent collection account that I did not authorize or open. This account is the result of identity theft, and despite my previous dispute, this information remains on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Collection Account Creditor : XXXX  Account Number : XXXX Opened : XX/XX/year> Balance : {$50.00} I did not authorize or open this account, and I have no knowledge of it. This account is negatively affecting my credit and was placed without my consent, in violation of my consumer rights under federal law, including : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed.

15 U.S.C. 1681s-2 Furnishers must not report inaccurate or unauthorized information.

15 U.S.C. 1681b No permissible purpose for reporting this account.

15 U.S.C. 1692e Prohibits false or misleading representations in debt collection ( FDCPA ).

Attached Legal Documentation To verify the accuracy of my personal information and substantiate that I did not authorize this account, I have attached the following supporting documents : Government-issued photo ID Social Security card Proof of current address ( utility bill or bank statement ) Identity Theft Affidavit or police report ( if available ) Demand for Correction I am formally requesting the immediate and permanent deletion of this collection account from my TransUnion credit report as it is a result of identity theft, and written confirmation once it has been removed. 

This is a second-round complaint to the CFPB, as the previous dispute was not resolved. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$14000.00} Inquiries XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: AZ

Complaint narrative:
Kikoff is reporting an XX/XX/year> XXXX late payment on my credit report that is inaccurate, unverified, and in violation of federal law. 

I disputed this directly with Kikoff. During their reinvestigation, Kikoff failed to provide the legally required documentation to verify a delinquency. They did not provide : The date my XX/XX/year> payment was actually received The date it was credited to my account Timestamped system logs A ledger showing the account was ever 30+ days past due Instead, they relied on internal grace period rules and email reminders, which are not valid proof of a delinquency under federal law.

Under 15 U.S.C. 1666b, creditors must credit payments as of the date received, not the posting date. Kikoff did not provide any documentation showing when my payment was received or credited.

Under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), a furnisher must delete any information they can not fully verify. Kikoff has not verified the delinquency with legally sufficient evidence.

I made a bulk catch-up payment of {$140.00} on XX/XX/year>, which should have been applied to the oldest amount due. XXXX did not provide any documentation showing that this oldest payment was ever 30 days late. 

Because Kikoff failed to verify this late payment in accordance with federal law, I am requesting that the CFPB require Kikoff to either : Delete the XX/XX/year> late payment from all credit bureaus, or Provide full legal verification ( date received, date credited, timestamped logs, and proof of 30+ day delinquency ).

Kikoff has not met their obligations under the FCRA or FCBA, and the late payment should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am submitting a complaint regarding the following charge-off account that is appearing on my credit report : TARGET/TD Account # XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/year> Status : Charge Off * * I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative charge-off is harming my credit profile without any valid basis. I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX  are reporting a {$710.00} collection account from POSSIBLEFINA ( Account : XXXX ), and I never received any notice of this alleged debt before it appeared on my credit report. Under FDCPA 1692g ( a ), the collector is required to send me a written notice within five days of first contacting me, and under 1692g ( b ), they must provide full validation if the debt is disputed. I disputed this account more than 60 days ago, and to this day I have not received a single document required to validate this debt. Since Possible Finance and the collector clearly do not understand what validation requires, here is what the FDCPA and FCRA mandate : they must provide the original signed agreement, itemized statements, a complete and accurate account ledger, the breakdown of all charges, proof of assignment, the full chain of title, and evidence that the collector has the legal right to collect this debt. NONE of this has been provided. XXXX XXXX XXXX also violated its obligations under FCRA 611 ( a ) by marking the account verified without receiving any actual documentation, and under 607 ( b ) by failing to ensure maximum possible accuracy. Under FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified MUST be deleted. This is a legal requirement not a personal request. Because I never received a validation notice, never received any documentation, never received proof of ownership, and because CRAs continued reporting this alleged debt without verification, the law requires its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
After I paid off my Acima lease early on XX/XX/year>, Acima emailed me a confirmation stating Congratulations! Youve completed your lease ( # XXXX ) and even invited me to start a new lease. This demonstrates that Acima fully acknowledged the lease was paid in full and closed. 

After I disputed a duplicate charge from XX/XX/year> ( two identical charges of {$170.00} ), Acima retaliated by reopening my closed lease and claiming I still owe a balance. This is illegal and deceptive. Acima is attempting to recreate a debt that did not exist. I have screenshots proving the early payoff, the duplicate charges, and Acimas email confirming my lease was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from " XXXX, '' allegedly from XXXX XXXX, XXXX XXXX XXXX  at XXXX XXXX XXXX. The email offered me a position as XXXX XXXX. I replied approximately two weeks later and after a week-long XXXX XXXX XXXX  process, was presented with a job offer package from Director of XXXX, XXXX XXXX as well as a check for {$25000.00} to start furnishing my home office. I was instructed to purchase : ( 1 ) XXXX and an XXXX, ( XXXX ) XXXX XXXX XXXX totaling {$1000.00} and ( 3 ) " IT installation fee '' payments totaling {$3900.00} by XXXX and SoFi XXXX. I was informed to overnight those purchased devices to their " offsite IT Team '' for installation of programs with the XXXX XXXX XXXX I purchased to address : Open XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Shortly after, I received a call from SoFi that it had incorrectly endorsed the check and that to resubmit by endorsing the correct way, which I did. 

On XX/XX/year>, I received another email from a company called XXXX offering me a very similar position XXXX XXXX. I noticed that the email prompt and job description was identical in wording to the one of XXXX XXXX XXXX. I sent inquiries to both XXXX and XXXX XXXX ( XXXX XXXX XXXX ) asking how they obtained my information but received no response. Realizing I had been scammed, I came to the XXXX XXXX XXXX to file a police report and started the dispute processes with my XXXX  XXXX XXXXXXXX XXXX XXXX and SoFi Bank. 

On XX/XX/XXXX, I received a letter from SoFi stating the check ( reference # XXXX ) had bounced for forgery reasons ; which was expected due to the nature of the Theft by Trickery Scam. 

On XX/XX/XXXX & XXXX, XXXX, I received notification from SoFi that disputes XXXX and XXXX for XXXX & SoFi XXXX transactions totaling {$3900.00} were denied despite providing a police report, IC3 report and other evidence to support that my case falls under the category of 'qualifying imposter scam ' for voluntary reimbursement from SoFi Bank and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX  data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. XXXX  's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting a proper reinvestigation of the following items on my TransUnion credit report. Some of these accounts appear inaccurate or incomplete, and I want to ensure everything on my report is correct and fully verifiable as required by the FCRA. 

CHARGED-OFF ACCOUNTS ( TU XXXX XXXX Account Number : XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES ( TU ) XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS ( TU ) XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation