vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TN

Complaint narrative:
This is a formal rebuttal to World Finance XXXX response regarding the account they claim I opened in XX/XX/XXXX. 

While I acknowledge that I did not make payments on this account, I am exercising my right under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to dispute the reporting of this account due to the following concerns : XXXX. No Proper Validation Was Provided I requested full debt validation under XXXX XXXX. XXXX ( b ). World Finance responded with a summary of the loan terms, but did not provide the signed contract or original loan agreement, nor a complete and itemized breakdown of how the balance was calculated. 

If a company can not fully validate the account, it must cease all collection efforts and remove the information from credit reporting. A spreadsheet summary is not legal validation under the FDCPA. 



XXXX. World Finance No Longer Owns This Account World admits that they sold the account to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. Once a debt is sold, the original creditor should not continue reporting any activity on that account. Reporting by both World Finance and XXXXXXXX XXXX  can result in duplicate XXXX reporting, which is inaccurate and unfair under the FCRA. 



XXXX. Permissible Purpose Does Not Override Accuracy While World claims to have a permissible purpose to report, the FCRA requires that all information must be accurate and verifiable. Since the account has been sold and XXXX no longer has ownership, their continued reporting violates XXXX XXXX. XXXX ( b ). It is not accurate to report a XXXX  balance after the account has been sold to a third party. 



XXXX. Request for Deletion I am formally requesting that this account be deleted from all XXXX XXXX maintained by XXXX XXXX XXXX XXXX  World Finance has not verified the debt in accordance with federal law, no longer owns the account, and is therefore not entitled to furnish information about this account any longer. 



Thank you for your attention to this matter. I request the CFPB to investigate this reporting violation and ensure this account is permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This is a new formal complaint regarding a previously disputed account reported as a charge-off by BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite having submitted multiple disputes through the proper channels, the account was simply marked as " verified '' without any documentary proof or a proper reinvestigation, as required by law. 

The account continues to reflect negative and inconsistent data across the credit bureaus : - Inaccurate payment dates, credit limits, and balances. 
- Conflicting statuses, such as " Paid Charge-Off '' vs. " Paid '' vs. " Derogatory ''.

- No proof has been provided to support the legitimacy or accuracy of the account. 

Furthermore, no IRS Form 1099-C has ever been issued, despite the debt being allegedly charged off, which directly violates 26 U.S. Code 6050P. According to federal law, this form must be provided if a debt has been forgiven or written off for tax purposes. The failure to provide such documentation suggests that the item is either unverified or improperly handled.

These actions violate the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681i ), the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and other consumer protection laws including the Gramm-Leach-Bliley Act ( GLBA ) and the Privacy Act.

This inaccurate and unverified account is actively damaging my credit profile. I am formally requesting that this account be removed from all credit reports due to failure of proper verification and multiple legal violations. I am attaching a formal dispute letter, my government-issued ID, and a copy of the credit report showing the inconsistencies for your review. 

If this matter is not resolved promptly, I will escalate this case to the FTC and my State Attorney Generals office.

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 2025-06-12 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: FL

Complaint narrative:
This is a new formal complaint regarding a previously disputed account reported as a charge-off by BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite having submitted multiple disputes through the proper channels, the account was simply marked as " verified '' without any documentary proof or a proper reinvestigation, as required by law. 

The account continues to reflect negative and inconsistent data across the credit bureaus : - Inaccurate payment dates, credit limits, and balances. 
- Conflicting statuses, such as " Paid Charge-Off '' vs. " Paid '' vs. " Derogatory ''.

- No proof has been provided to support the legitimacy or accuracy of the account. 

Furthermore, no IRS Form 1099-C has ever been issued, despite the debt being allegedly charged off, which directly violates 26 U.S. Code 6050P. According to federal law, this form must be provided if a debt has been forgiven or written off for tax purposes. The failure to provide such documentation suggests that the item is either unverified or improperly handled.

These actions violate the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681i ), the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and other consumer protection laws including the Gramm-Leach-Bliley Act ( GLBA ) and the Privacy Act.

This inaccurate and unverified account is actively damaging my credit profile. I am formally requesting that this account be removed from all credit reports due to failure of proper verification and multiple legal violations. I am attaching a formal dispute letter, my government-issued ID, and a copy of the credit report showing the inconsistencies for your review. 

If this matter is not resolved promptly, I will escalate this case to the FTC and my State Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: LA

Complaint narrative:
I placed a dispute for accounts on my collection report for anything inaccurate or incorrect. I have been receiving calls and emails from debt collectors. The name of the company on my credit report and the name of the company contacting me are different. The information disputed with the credit bureau 's was returned as verified and updated. The information can't be verified and updated if I have others trying to collect on the balance. The account with XXXX account number XXXX was removed from my Experian account but is still on my Equifax report. The following accounts were disputed XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) and returned as verified. I have attached a copy of my drivers license, social security card and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the XXXX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FC HoldCo LLC
State: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the XXXX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Used this app for years ( 2016 ) and never got a human response when I dispute an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX account is being reported by TransUnion on my credit report. 

I have disputed this account multiple times, and despite providing full documentation of identity theft, TransUnion has repeatedly failed to permanently remove or block this account from my report. 

On XX/XX/year>, I submitted a formal identity theft block request under FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), which included : An FTC Identity XXXX Affidavit A police report A written dispute letter Proof of my identity Under the law, TransUnion was XXXX to block and remove the fraudulent XXXX account XXXX XXXX business days of receiving those documents. 

As of XX/XX/year>, TransUnion has still failed to take action and continues to report the fraudulent account, in clear violation of federal law. The failure to block the account after multiple disputes and identity theft documentation is unacceptable and unlawful. 

Requested Relief : Immediate and permanent deletion of the XXXX account Written confirmation of the block and removal Penalties or compensation for continued noncompliance and repeated failures to act on my disputes 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 non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
b'Dear CFPB Officer,\nI am writing to file a formal complaint against multiple companies and credit reporting agencies for allowing unauthorized and inaccurate XXXX  inquiries to appear on my credit reports without my knowledge or permissible purpose, in violation of the Fair Credit Reporting Act (FCRA), specifically Sections 604(a)(3), 609(a), and 610(a).\nI have identified numerous inquiries that I did not authorize, nor did I initiate any credit application with these entities. These XXXX inquiries are XXXX  my credit score and financial standing unfairly.\nBelow is a list of the inquiries in question along with their reporting dates:\nInquiries in Violation (FCRA 604, 609)\n1.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 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 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 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 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 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  Inquiry\n No account application. Unfamiliar with this pull.\nViolation: FCRA 604(a)(3)\nSummary of Harm:\nThese inquiries are affecting my credit score XXXX without legal grounds, causing denial of credit, increased interest rates, and eXXXX XXXX. I have not received any disclosure, permissible purpose, or written consent for these inquiries.\nRelief Requested:\n1.\tImmediate removal of all listed unauthorized inquiries from my credit report.\n2.\tInvestigation into each company that made the inquiry.\n3.\tEnforcement of appropriate actions/penalties for violations of the FCRA.\nI request the CFPB to investigate this matter promptly and take appropriate action. I have tried resolving these disputes directly with the credit bureaus and the furnishers, but the issues persist.\nThank you for your time and assistance.'

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 2025-06-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am submitting this complaint because both XXXX and Experian are inaccurately reporting a late payment on an auto account with XXXX XXXX XXXX, account number ending in XXXX, which was opened on XX/XX/year> and currently reflects a past due amount of {$0.00}. I dispute this reporting as misleading, inaccurate, and damaging to my credit profile. A past due amount of {$0.00} indicates that the account is no longer delinquentif it ever wasbut the derogatory status remains, which unfairly penalizes me and misrepresents my payment history to lenders. This discrepancy recently impacted a credit application, and I was informed that although the account is marked as having no past due balance, the presence of a late payment is still affecting my overall credit standing. This is inconsistent with the Fair Credit Reporting Acts requirement under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of the information in my file. Reporting a late payment alongside a {$0.00} past due amount sends a contradictory message to any potential creditor evaluating my file, leading to unnecessary scrutiny and increased likelihood of credit denials.

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 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: WI

Complaint narrative:
I was a co-signer on a loan for my mother. My mother filed for bankruptcy and the co-debtor stay was lifted. At the time I couldnt make payments. Now I am looking to lay the loan off in full. I have scheduled it through the app and all three times there was nothing pending in the back account the bank didnt call me about any fraud or anything that the payment wouldnt go through. I called multiple times and asked for calls back and they didnt call me back. Recently they finally called me back after XXXX attempts of me calling. They started saying that the bank is bouncing it ( the bank has not had anything pending has not contacted me and there is over {$1000.00} more than what is needed to cover the loan available in the back account ) they started attacking me saying that why does it matter to pay it off now its all our fault for falling on hard times and cant make the payments I asked them to pull it a different way I asked them to try pulling from the bank again and the refused and got nasty with me. I asked about sending in a cashiers check and they gave me info about that but said since that takes time they will have to charge me more interest even though I have tried multiple times to pay off this loan before I got more interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
Im writing to formally dispute inaccurate information thats been reported on my credit file. Ive reviewed my credit report thoroughly, and Ive found an account/inquiry that is completely incorrect and does not belong to me. Let me be absolutely clear : this is not my debt, not my account, and I had no involvement whatsoever with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX 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. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a XXXX  card opened at XXXX XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from XXXX of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and XXXX  result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief