vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage , which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY. 

Credit Card XX/XX/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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc.
State: CA

Complaint narrative:
Account opened, charged my personal bank account for a loan never received {$650.00}. This account opened fraudulent. Attached account details no loan, account details no account, details loan XX/XX/year> opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number HXXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AZ

Complaint narrative:
I'm writing to you because I'm facing a very stressful situation. Several collection agencies are demanding money from me for a debt I've never heard of. 
What's more, each agency gives me a different amount and address, and I don't understand where it's coming from. I've never had an account or signed a contract with the creditor they mention. Despite my inquiries, I haven't received any clear proof or valid documentation to justify this debt. 
I fear this is a mistake or perhaps even identity theft. Meanwhile, these agencies are causing me a lot of XXXX 
I ask you to please. 
verify the legitimacy of this debt. XXXXXXXX XXXX XXXX XXXX total XXXX acount number XXXX original creditoXXXX XXXX action take collection. Equifax, TransUniom XXXX  and XXXX XXXX debt collection total XXXX ask the agencies to stop collection efforts until they have proven that the debt belongs to me. 
help me correct any false information that may have been transmitted to my credit report like this collection that leaves me with no sleep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
urgently disputing an unauthorized ATM withdrawal that occurred on XX/XX/year>, at XXXXXXXX XXXX XXXX in XXXX, California. I reside in XXXX XXXX, Nevada, and I did not authorize or perform this transaction. This transaction was from cash app. 

This fraudulent withdrawal has drained my account, leaving me without access to essential funds for transportation, food, and daily living needs. Under the Electronic Fund Transfer Act ( EFTA ), I am entitled to prompt investigation and protection from unauthorized withdrawals. Given the severe financial hardship this has caused, I am requesting : Immediate provisional credit of the full disputed amount back into my account. 
1 Confirmation that my account has been secured and that no further unauthorized transactions can happen again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Received an email from a company called XXXX XXXX  regarding a loan with Prosper XXXX XXXX  it clearly states on the email that We restrict access to nonpublic personal information about you to employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with Federal laws to guard your nonpublic personal information. on and that i should reach out to them to resolve. It threaten to report to credit bureau and inform my employer. This morning there was a collection account on my XXXX  credit file. for XXXX and XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified I never had an account with XXXX XXXX and demand proof right to collect from me. please submit proof of ownership of loan how they acquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with XXXX XXXX XXXX. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit. I demand all transactions in which i signed that states i owe XXXX XXXX any money. If they purchased the debt from Proper personal loan then a transaction of how much they paid, AND ARE FROM THIS POINT MOVING FORWARD NOT ALLOWED TO CONTACT ME EMAIL ME OR CALL ME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have been paying down an open line of credit for some time, but never received replacement cards when Citi expiration was due. We called Citi and was informed that the line of credit was closed, but still listed as an active line of credit. Citi failed to notify us. And we have been making large payments on this line of credit. We were listed as having a Citi XXXX card with available credit. Citi stated our XXXX late payments in a period of 5 years with the last missed payment was 11 months ago. Citi has performed this behavior before where we have made large payments and reduced our credit line to keep our usage high. They were reported to CFBP in XXXX of XXXX, and corected their action. This time, we have been making large payments with one being a day after they stated that the card was closed. They are also reporting our credit score from XXXX  wrongly. We are at our wits end with Citi. During our last call they stated three different pay off amounts, account for interest on a balance that we were paying down aggressively. We have done nothing wrong. Citi has once again did the same behavior to us that they did prior. We need resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My identity was stolen to open a fraudulent account. About a month ago I was reviewing my credit account via XXXX XXXX and noticed an account that had been opened in XXXX of XXXX that did not belong to me. It was a student loan and the status showed that it was in deferred status until XX/XX/XXXX. The loan is now due and payable and does not belong to me. 

I filed XXXX disputes with TransUnion, both of which were responded to in XXXX business day with the results " information accurate. '' I filed a second dispute requesting the information they used to support that this account belonged to me. I was given yet another generic response that they determined the information was accurate. This is ridiculous as I am a XXXX old full-time working XXXX  of XXXX ( all under the age of XXXX ) and I am not a student. It's also ridiculous because no actual reasonable investigation could have taken place in that short time. 

I also contacted the lender who apparently granted me this federal student loan of {$1700.00}. I was told I would receive a response within XXXX XXXX. It's been probably XXXX XXXX and I have yet to receive a response. Below is the only information I have about the lender, which was taken from my XXXX XXXX account. It now shows up as XXXX separate accounts since it has become due and payable as of this month. 

XXXX XXXX XXXX - {$1700.00} Monthly Payment - {$50.00} Date Opened - XX/XX/XXXX Term - XXXX XXXX Status - Current XXXX XXXX - {$1700.00} Date Opened - XX/XX/XXXX Status - Open Remarks - Payment Deferred Lender Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity of the following account appearing on my Experian credit file : Creditor Name/Collection Agency : LVNV FUNDING LLC All Account Number Balances : {$1100.00}, {$820.00}, {$960.00}, {$3300.00} Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a proper investigation and provide documentation to validate this account. Specifically, I am requesting : 1. A copy of the purchase agreement between the original creditor and any subsequent debt buyer ( s ).

2. Proof of cancellation of debt from the original creditor, if applicable.

3. The complete chain of title/assignment, showing every transfer of ownership of this account.

4. The date the last payment was received by the original creditor.

5. Any judgment information related to this account, if one exists.

6. Confirmation of whether the statute of limitations has expired on this alleged debt.

If you are unable to provide the above documentation, this account is not verifiable and must be deleted from my credit file immediately in compliance with the FCRA. 

Failure to provide proper verification will constitute a violation of my rights under federal law. Please remove this account from my file immediately if you can not supply the requested documentation within the time allowed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
On [ date ], I signed up for a Clover POS equipment lease online for my business. The next day, a XXXX sales representative called me and misled me into creating a second account and signing a second, duplicate lease. I did not request or need a second lease, and I was misled into signing it. 

I contacted the company to request cancellation of the duplicate lease, written confirmation that I would not be billed for either contract, and acknowledgment that my business relationship with XXXX and its affiliates is terminated. The company has refused to resolve the matter. 

I am being billed for multiple unnecessary contracts, and I consider the second agreement invalid due to misrepresentation and high-pressure sales tactics. I am seeking cancellation of both leases and a confirmation that I will not be charged further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of XXXX XXXX, and I am requesting that you take immediate action to ensure my credit report accurately reflects my circumstances. As a result of my situation, my personal and financial information has likely been compromised and there is a concern that fraudulent activity has occurred using my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : [ Your Email Address ] Via Certified Mail Trident Asset Management, LLC XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Arbitration Election & Pre-Settlement Demand Account No. XXXX To Whom It May Concern : I am writing regarding the above-referenced account you continue to report and attempt to collect. This letter serves as notice that I have already elected arbitration under the XXXX XXXX XXXX XXXX. My arbitration demand will be filed and administered with the XXXX XXXX XXXX ( XXXX ). 

However, in the interest of efficiency and fairness, I am extending this one opportunity to resolve the matter directly before the arbitration case proceeds further. 

Violations Your actions constitute violations of federal law, including : FCRA reporting XXXX  months of negative history inaccurately and without lawful verification. 

FDCPA attempting to collect without the required legal documentation.

Despite lawful requests, you have failed to provide : An unbroken chain of assignment from the original creditor to Trident.

Flow agreements evidencing lawful transfer. 

Double-sided accounting showing all debits and credits. 

The original wet-ink signature contract.

The required 5-day notice with XXXX tracking upon re-reporting.

The method of verification used to continue furnishing data. 

XXXX XXXX XXXX have consistently held that debt buyers must prove ownership and standing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

You have not met these standards, rendering your claim defective. 

Settlement Proposal To avoid the time and expense of arbitrationincluding XXXX administrative fees, arbitrator hourly fees, and your obligation to consider advancing my filing feesI am offering to resolve this matter on the following terms : Settlement Amount : {$4000.00} USD Terms : Immediate deletion of the tradeline from all consumer reporting agencies, closure of the account, and a written release of all claims. 

If you accept these terms, I will dismiss the arbitration case in full and release Trident Asset Management from liability regarding this account. 

Notice of Intent If you decline or fail to respond within the time allowed, arbitration will proceed without further notice, and I will pursue all available relief, including damages for FCRA and FDCPA violations. 

Demand for Response Please respond in writing within 10 calendar days of receipt of this letter. Failure to respond will be treated as refusal, and the arbitration case will continue. 

Email : XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX, I filed a dispute with Cashapp for an amount totaling around XXXX. Initially the claim was denied. After submitting documents to support my claim of identity theft, they decided to reopen my case. However given it has been past the initial XXXX business days a provisional credit needed to be issued and they did not issue one. I asked on XXXX separate occasions, and called numerous times and each time they ignored the question or blatantly lied to me over the phone stating that I could not contact their support team about this situation. This claim is now being re-investigated again because they could not provide any sufficient documentation as to why they denied the claim other than the fact that the transfers were successful. I claim that they were unauthorized and they have yet to look into that. Also when requesting documents they seem to not be willing to provide any on the second investigation. My lawyer has advised me to reach out to the CFPB before taking further legal action against cashapp. Attached will be the documents showing my identity theft report, the back and fourth conversation on email with their team on this issue as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax XX/XX/year> claimed they could not locate my file due to not actively using credit or even having any that within the past XXXX XXXX plus. Ive called numerous times starting of last year. They either tell me that I have not provided enough information to prove my identity or they just hang up. Oddly even attempting to send them the report I was sent by EQUIFAX themselves yet my identity keeps getting screwed.

Company response to consumer: Closed with explanation