vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
i am submitting this formal complaint to bring attention to the credit reporting agencys failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my credit dispute. On XX/XX/year>, I submitted a written dispute with all required documentation including proof of identity, proof of address, and a notarized affidavit regarding multiple inaccurate and unauthorized accounts appearing on my credit report. 



Despite receiving my dispute, the credit reporting agency failed to conduct a reasonable investigation or provide any documentation verifying the disputed information. They also failed to complete the investigation within the mandated 30-day period required under FCRA 1681i ( a ). As of today, well beyond that timeframe, I have received no proper explanation or resolution.

This continued lack of action represents a direct violation of the FCRA. The agencys failure to respond in a timely and lawful manner has resulted in ongoing harm to my creditworthiness, emotional distress, and financial disadvantage. I am requesting that the CFPB investigate this noncompliance and require immediate corrective action. 



The inaccurate accounts still appearing on my report are from multiple furnishers, including but not limited to : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) I am requesting that the CFPB compel the credit reporting agency to complete their investigation, remove the inaccurate and unverifiable accounts, and provide written confirmation of compliance. Attached are copies of my original dispute letter and proof of delivery sent on XX/XX/year>. I expect a written response outlining corrective actions taken to ensure full compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
i am submitting this formal complaint to bring attention to the credit reporting agencys failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my credit dispute. On XX/XX/year>, I submitted a written dispute with all required documentation including proof of identity, proof of address, and a notarized affidavit regarding multiple inaccurate and unauthorized accounts appearing on my credit report. 



Despite receiving my dispute, the credit reporting agency failed to conduct a reasonable investigation or provide any documentation verifying the disputed information. They also failed to complete the investigation within the mandated 30-day period required under FCRA 1681i ( a ). As of today, well beyond that timeframe, I have received no proper explanation or resolution.

This continued lack of action represents a direct violation of the FCRA. The agencys failure to respond in a timely and lawful manner has resulted in ongoing harm to my creditworthiness, emotional distress, and financial disadvantage. I am requesting that the CFPB investigate this noncompliance and require immediate corrective action. 



The inaccurate accounts still appearing on my report are from multiple furnishers, including but not limited to : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) I am requesting that the CFPB compel the credit reporting agency to complete their investigation, remove the inaccurate and unverifiable accounts, and provide written confirmation of compliance. Attached are copies of my original dispute letter and proof of delivery sent on XX/XX/year>. I expect a written response outlining corrective actions taken to ensure full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
XXXX reports the account as transferred/sold, yet the CRAs continue to show derogatory information from both the XXXX  and the XXXX. This results in double-reporting and conflicting DOFD. 

Violations : 1681s-2 ( a ) ( 1 ) 1681s-2 ( a ) ( 5 ) 1681e ( b ) 1681i ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
XXXX reports the account as transferred/sold, yet the CRAs continue to show derogatory information from both the XXXX and the XXXX. This results in double-reporting and conflicting DOFD. 

Violations : 1681s-2 ( a ) ( 1 ) 1681s-2 ( a ) ( 5 ) 1681e ( b ) 1681i ( a )

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have no knowledge of this account. My information was compromised several times due to the number of data breaches that occured between XXXX to XXXX, Namely, XXXX and XXXX. 
Because this fraudulent account is now in collections, it continues to damage my credit score. 
As credit bureaus are required to report accurately on reports, I look forward to this account being removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX I was incarcerated. I was released on XX/XX/XXXX. Since then I have tried to gain access to a cash app account that I have not been successful with. I have XXXX in my checking account XXXX in the savings. I have called constantly I have called and called only to be told to open a new account and the funds well be transfered, at my social security number it closes leaving me unable to access the account, XXXX person told me to go to a super Cafe and ask a hacker to help me get in to my old email. I was told to send a picture of my id the front back and XXXX of me holding my which I have done XXXX  times. I had an apartment I lost it leaving me homeless and unable to pay bills. I lost my car. Things that could have been prevented if I had access to my money today is XX/XX/XXXX leaving me with XXXX  months of complaints. The money on my cash app account is child support that has been adding up since my incarceration. I have minimal clothes im still homeless I literally work to pay for a hotel room. Cash app has made no attempt to give me my money. The old telephone number associated with the account in question i no longer have access to ( XXXX ) the cash tag is $ XXXX the email associated is XXXX however I can't log into this either. My id that I just received and submitted to cash app has the address XXXX XXXX XXXX XXXX tx XXXX its the same address used on the cash app account. And still I've had no progress to seeing any of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
A fraudulent account was opened in my name while I was XXXX. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
A fraudulent account was opened in my name while I was XXXX. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this fraudulently negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this fraudulently account. I've proof of account showing deleted and reappearing. MIDLAND CREDIT MANAGEMENT INC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX XXXX ( {$1100.00} ) ( XXXX ), XXXX  ( {$6600.00} ) ( XXXX )XXXX XXXX XXXX ( {$560.00} ) ( XX/XX/XXXX ), XXXX XXXX  ( {$1300.00} ) ( XX/XX/XXXX ), XXXX ( {$5300.00} ) ( XX/XX/XXXX ), XXXX  ( {$300.00} ) ( XX/XX/XXXX )XXXX XXXX XXXX {$1300.00} ) ( XX/XX/XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within four business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information XXXX XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that the CFPB investigate these violations and require the companies involved to : Provide complete verification of each alleged debt, or permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am submitting this complaint regarding my former My Best Buy XXXX XXXX account issued by Citibank ( CBNA ), account ending in XXXX. 

A single late payment was reported on this account. I fully acknowledge the accuracy of the reporting. My request to Citibank is not to dispute accuracy under the Fair Credit Reporting Act ( FCRA ), but to request a goodwill adjustment based on the circumstances and the corrective actions I took. 

The late payment occurred during a temporary financial hardship, and it was an isolated event. The account was later closed, and once I realized the payment issue, I corrected it immediately. Since that time, I have maintained perfect payment history on all my other accounts and have made substantial efforts to rebuild my credit profile. 

I contacted Citibank twice to request a goodwill review. I received written responses dated XX/XX/year> and XX/XX/year>, in which Citibank stated they are required to report the information accurately. I understand and respect this obligation. However, these responses did not address my actual request, which was for a discretionary goodwill adjustment, not a claim of incorrect reporting. 

I am asking the CFPB to assist by encouraging Citibank to conduct a true goodwill reconsideration, taking into account : The delinquency was isolated and corrected immediately The account is now closed The payment issue involved a low balance I have maintained a perfect payment history since This request is solely a goodwill appeal, not a dispute of accuracy I greatly appreciate the CFPBs assistance and Citibanks reconsideration of my request.

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 2025-11-16 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Speedy cash title company in Florida about them pick up my car told need pay XXXX cash get back. But in XXXX XXXX  XXXX pay them XXXX monthly. Ready want car back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
am submitting this complaint because a fraudulenXXXX XXXX XXXX XXXX account is being reported on my credit report by Credence Resource Management. I did not open or authorize this XXXX XXXX XXXX account. This is identity theft. 

I have already notified the credit bureaus that this account is fraudulent and requested removal under FCRA 605B. I also requested documentation from Credence Resource Management under FCRA 609 ( e ). The account is still being reported and is damaging my credit. 

Credence Resource Management has failed to properly investigate, provide requested documentation, or remove the fraudulent account. I want this account removed immediately from my credit reports and for the furnisher to stop all collection activity. 

I am requesting : XXXX. Removal of the fraudulent XXXX XXXX XXXX account from all credit bureaus. 
XXXX. Cease collection activity on this identity theft account. 
XXXX. Provide all documentation they claim supports this account. 
XXXX. Compliance with FCRA 605B and 609 ( e ). 

This account is identity theft, and I need assistance ensuring it is deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Attempted to have CitiBank N.A. validate a debt by me ( consumer ), sending a validation of debt letter via certified mail XXXX in which they received on XX/XX/year>. They failed to validate the debt by providing the name and address of the original creditor per 15 US Code 1692. I ( Consumer ) sent CitiBank N.A. a cease and desist notice via certified mail XXXX in which the received on XX/XX/year>. I later sent an Affidavit of Truth. I then submitted a CFPB complaint as number XXXX in which CitiBank responded by stating " We received your written request to stop all collections contact with you regarding your accounts. This includes telephone calls to your home, work, and cell phone numbers, text message, letter, chat and emails. We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your accounts. '' Since this last communication I have not heard from them attempting to validate the debt in any way until CitiBank N.A. decided to hire an attorney by the name of XXXX XXXX XXXX XXXX XXXX. They sent me a letter dated XX/XX/XXXX. They violated the cease and desist notice in which is subject to {$1000.00} violation for each occurrence per 15 US Code 1692k. This is backed up by case law. I also consider this deceptive according to 15 US Code 1692j ( a ) and abuse 15 US Code 1692d ( 1 ) and 15 US Code 1692f ( 1 ) which is subject to another {$3000.00} violation on top of the {$1000.00} for breaching the cease and desist. XXXX XXXX XXXX XXXX XXXX is subject to pay {$4000.00} for their part in committing violations.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally request validation of the debt you claim I owe, as referenced in your communication, regarding an account allegedly in my name. This letter is sent in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which entitles me to request verification of any debt that I am purported to owe. 

To assist me in understanding the nature of this debt, I request the following information : XXXX. * * Verification of the Debt * * : Please provide a detailed statement of the amount owed, including any interest, fees, or charges that have been added. 

XXXX. * * Creditor Information * * : The name of the original creditor and any documentation confirming that I owe this debt. 

XXXX. * * Account Information * * : A copy of the original contract or agreement outlining the terms of the debt. 

XXXX. * * Proof of Assignment * * : Documentation that verifies your legal authority to collect this debt on behalf of the original creditor. 

Please consider this letter as a request for your validation of the debt. I kindly ask that you cease all collection activities until the requested validation is provided. I expect a written response within XXXX  days from the date of this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and TransUnion has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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