vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following accounts must be removed immediately : XXXX XXXX  Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed.

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 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
A {$590.00} XXXX collection account suddenly appeared on my credit report. I never received any written notice, validation letter, or communication about this debt. The collection agency ( Transworld Systems I ) used an incorrect mailing address and email, so I was never notified and was never given my legally required 30-day right to dispute the debt. I only discovered the debt through my credit report.

When I called the collection agency, they told me there is an additional {$970.00} XXXX debt that they claim I owe, but this second debt has never been reported, and I was never notified about it either. I have received no written communication or validation for either amount. 

Reporting one debt without notice and withholding information about another alleged debt is misleading and violates the FDCPAs notice requirements. Additionally, the {$590.00} account is being reported with a recent date opened, even though the alleged date of first delinquency is from 2020. This may constitute inaccurate reporting or re-aging under the FCRA. 

I am requesting a full investigation, validation of both alleged debts, proof of the correct DOFD, and removal of any information that is inaccurate, unverifiable, or improperly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal dispute for the following accounts on my credit report, which I believe to be inaccurate or reported incorrectly. Below are the details for the accounts that need review : Charged-Off Accounts : XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Equifax ( EQ ) : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/year> Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> Balance {$670.00} * * Inquiries * * XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/year> Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> Balance {$670.00} * * Inquiries * * XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> 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 2025-11-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please treat this letter as my official dispute concerning the referenced accounts. I do not recognize them and did not authorize their creation. I request deletion and a full evaluation. Evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
First contact from Debt Collection Agency Listed Above XX/XX/year> Last contact XX/XX/year>. 
Unaware of who this is? 
A Debt Validation 809 Letter was sent to the above referenced Company On XX/XX/year> Along with Cease and Desist Communication was also sent Via Certified Mail with Return Receipt. 
The mail was Delivered and considered accepted on XX/XX/year> with Tracking and Return Receipt. 
Thereafter I still Received Text on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. In entirety 5 times via text. 

For example the Text goes as follows DivAdjustServ-Debt Collector : Your bill is SEVERELY PAST DUE! TO AVOID FURTHER ACTION Pay at XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Optout txt STOP For a limited time, pay 50 % of your balance With Diversified Adjustment Service- Debt Collector. Call Phone number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for details. To Optout txt STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
Credit bureau continues to lie and report inaccurate information- they have to be held liable and sued! The credit bureaus are even blocking disputes! This practice is totally against the credit guidelines and the ethics of the fair credit act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CBC Companies, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance Corporation RE : Demand for IRS Form 1099-C Account No. XXXX ( Written-Off : {$2300.00} ) To Whom It May Concern : This letter serves as a formal demand for the immediate issuance of IRS Form 1099-C for the above-referenced account. Your reporting shows that this account was charged off with {$2300.00} written off.

Under 26 U.S.C. 6050P, any creditor that cancels, forgives, or writes off indebtedness of {$600.00} or more must file Form 1099-C unless the creditor can prove the debt remains legally enforceable.

You are required to provide within 15 days : 1. A properly issued IRS Form 1099-C for the amount written off ; OR 2. Full documentation showing evidence of continued enforceability. 
Failure to provide proper documentation or the required IRS form will be considered noncompliance with federal reporting standards. 
-- -- -- -- -- -- -- -- -- -- -- -- - CASE LAW SUPPORT SECTION -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Commissioner The court ruled that when a creditor indicates a debt is no longer collectible, this may constitute a cancellation event requiring proper IRS reporting. 
XXXX v. Commissioner The court affirmed that a charge-off may be an identifiable cancellation event triggering IRS Form 1099-C. 
In re XXXX The issuance of Form 1099-C signifies a creditor 's abandonment or cancellation of a debt.

In re Washington The court noted that charge-offs constitute identifiable events for IRS reporting . 
In re XXXX Charge-offs and cessation of collection activity strongly indicate debt cancellation. 
XXXX v. XXXX Law Firm Creditors must maintain clarity and transparency in the enforcement and reporting of debt. 
XXXX XXXX XXXX, XXXX, XXXX & XXXX Creditors must provide documentation supporting the legal enforceability of a debt. 
XXXX v. BB & T ; Creditors may not provide misleading, incomplete, or inaccurate information in credit reporting. 
XXXX v. Temple University Lack of proper documentation or justification may violate FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is a result of identity theft and data breach. These are not transactions that were made by me or benefited me. I never signed an agreement or contract with XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX XXXX XXXX. Please remove within 4 business days. This is a violation of my consumer rights and my privacy rights. This is a direct violation of the Gramm Leach Bliley Act. I do not know these companies and never signed a contract with them. They have access to my non public personal information without my consent and without permissible purposes. This is a violation of contract law, as well. According to FCRA Section 605B, this is a violation and should be removed in 4 days. These accounts are produced without lawful authority making them fraudulent, deceptive and unlawful. False and misleading and deceptive business practices. They never produced ownership or validation or verification of original contract or my wet ink signature. Again, these are not transactions that were made by 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 2025-11-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit file. I request an immediate review of these accounts as the information provided is not accurate, and I believe these accounts may be in violation of the Fair Credit Reporting Act ( FCRA ). I am specifically challenging the accuracy of the reporting on the following charged-off account. 

Account Name : XXXX  Account Number : XXXX * Date Opened : XX/XX/year> Balance : {$10000.00} Reason for Dispute : Incorrect Reporting / FCRA Violation

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my credit card account. 

I submitted Form 4506 to Citi on time, exactly as requested. Despite fulfilling this requirement, my credit card was closed without justification, and Citi failed to waive the annual fee on the account. 

This situation is both unfair and contrary to the instructions I received. I complied fully and promptly with Citis request, and the adverse actions taken against my account have caused unnecessary inconvenience and financial impact. 

I respectfully request that Citi : Reopen my credit card account or provide a clear, detailed explanation for why it was closed despite timely compliance ; Refund or waive the annual fee that should not have been charged under these circumstances ; and Confirm that no negative information related to this issue has been or will be reported to credit bureaus. 

Please review my case and provide a written response confirming the corrective actions taken. 

Thank you for your prompt attention. I look forward to a 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 monetary relief
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting an investigation into the following inquiries and late payments, as the information appears inconsistent or unverifiable. 

INQUIRIES XXXX XXXX XXXX XX/XX/scrub>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

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have just started using Robinhood Gold Card for about a month when all of a sudden they required me to send my selfie face photo ( biometric data ) in claim that they needed to verify my identity for my protection. There are no legit credit card company that has ever asked me to do this and I have been using credit cards for decades. I asked Robinhood if I can be verified any other way, such as by sending me a text code or bank deposits that I can verify the amounts. I even asked if I could go in person to their office and show my ID to verify my identity. They refused all and said the only way they will restore my account is after I send in my face photo. I strongly believe this is Robinhood 's ploy to harvest user 's biometric data by forcing users by suspending their accounts. It certainly feels like my rights and privacy is being violated. No where in their terms and conditions does it say the user needs to give their face selfie photos. So this seems like a breach of their own terms and conditions. 

In addition, XXXX has no phone number to speak to a live person. The way XXXX operates seems so shady. If they never went IPO, I would not trust this company at all. Many of the emails I got seemed like automated emails with canned responses. I received over a dozen emails that didn't seem like my emails were read. However, I did receive some emails that finally seemed like a real person but still were not that helpful and repeated the same thing that I had to send in a selfie photo. I think companies ought to allow the user to opt-in or opt-out in giving their biometric data. Or Robinhood ought to give other options to verify the user. If Robinhood was serious about verifying the user, how come they didn't accept the idea of me going in person to their office with my ID. That is the ultimate verification. So again, I think this is ploy for Robinhood to get user biometric data. I wonder how many other users are not feeling comfortable about Robinhood 's demand of sending their selfies. I wonder if a class action lawsuit could be initiated to prevent Robinhood from abusive tactics to force users to give up their biometric data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation