vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
I am filing a formal complaint against Credit World Services, which is unlawfully attempting to collect a debt that I do not recognize and has failed to properly validate. Their collection efforts and potential credit reporting violations directly violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ).

Issue Summary : 1. Unverified & Potentially Fraudulent Collection Attempts Credit World Services has attempted to collect a debt without providing any legal validation, despite my right to request proof. 
Under 15 U.S.C. 1692g ( b ) ( FDCPA ), debt XXXX must provide verification upon request before pursuing collection efforts. Their failure to do so is a clear violation of federal law. 
2. False & Misleading Credit Reporting XXXX XXXX XXXX has furnished potentially inaccurate or unverifiable information to XXXX. 
Under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), they are required to investigate and correct any disputed debt. 
Reporting an unverified debt is illegal, and they are obligated to remove any inaccurate information from my credit report. 
3. Consumer Rights Violation & Damages I have suffered financial harm and emotional distress due to these fraudulent collection attempts and their impact on my credit profile. 
Their continued collection efforts and credit reporting, despite lacking verification, constitute a direct violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and 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 2025-03-06 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:
Subject : Formal Complaint Regarding Violations of FCRA by TransUnion Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized information on my credit report. Despite my efforts to dispute these entries, TransUnion has not fulfilled its legal obligations to investigate and provide evidence in regard to the reinvestigation. The accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA my consumer rights are in violation of : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : Federal courts have clarified that accounts such as delinquent child support, municipal fines, and statutory debts do not arise from a credit transaction and therefore can not be included on credit reports. TransUnions continued reporting of the XXXX XXXX XXXX account directly violates this section. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) : The furnishers of the disputed accounts have failed to provide accurate and verifiable information. TransUnion, as the reporting agency, is responsible for ensuring that only compliant and verified information is reported, which has not occurred in this case. I want the procedures in documentation that was used to verify the accounts listed above. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : TransUnion has not conducted a reasonable investigation of my disputes as required. The FCRA mandates the deletion of unverifiable or inaccurate information, and I have provided sufficient documentation to demonstrate the inaccuracies in these accounts. Also, this issue is not from a human trafficking dispute. I called Transunion and spoke with a representative to remove that from the system. This problem we have here is my consumer rights are being violated, 15 U.S.C. 1681e ( b ) ( Accuracy of Information ) : TransUnion is required to ensure maximum accuracy of the information reported. Continuing to include erroneous accounts on my credit report is a direct violation of this provision. Federal rulings, including XXXX XXXX XXXX XXXX TransUnion LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, explicitly state that non-credit-related accounts like child support obligations and municipal fines can not be reported under the FCRA unless tied to a valid credit transaction. TransUnions notice further acknowledges these rulings.

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 2025-03-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX INQUIRIES : XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally file a complaint against Synchrony Bank regarding a fraudulent account reported on my credit report. This account was allegedly opened on XX/XX/year>, when I was a minor under the age of XXXX and legally unable to enter into a binding credit agreement under 15 U.S. Code 1633 and State Minor Contract Laws. Therefore, I am asserting that this account is fraudulent and was not authorized by me.

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, any account resulting from identity theft or fraud must be blocked from my credit report upon proper notice. Additionally, under 15 U.S. Code 1681i ( Procedure in Case of Disputed Accuracy ), I am requesting an immediate investigation into this matter and removal of this account from all credit reporting agencies.

Enclosed are the following documents to support my claim : A copy of my government-issued ID I request that the CFPB assist in ensuring that Synchrony Bank complies with federal regulations and completes an investigation within the 30-day period allowed by the FCRA. If no evidence of authorization by me can be produced, I expect this account to be permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: Kikoff Inc.
State: NY

Complaint narrative:
I was told when I purchased a vehicle that it wouldnt affect my credit score and that wasnt the case it is hindered me from buying anything else and that is unconstitutional to my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off listed on my credit report for the following account : Creditor Name : [ World finance ] Account Number : [ XXXX ] Charge-Off Date : [ XXXX XXXX ] 1.Lack of 1099-C Compliance ( IRS Requirement ) Under IRS regulations ( 26 U.S. Code 6050P ) , creditors are required to issue Form 1099-C for canceled debts. Since this debt was charged off in 2021, and I have not received a 1099-C, the debt may not have been legally canceled, or the creditor has failed to comply with IRS reporting rules. Therefore, the accuracy and legal status of this charge-off are questionable. 2. Fair Credit Reporting Act ( FCRA ) Violation According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reports must be accurate and verifiable. If the creditor has written off the debt and has not issued a 1099-C, then it is unclear whether they consider the debt fully canceled. If the account can not be verified with complete and accurate records, it must be removed from my credit report. 3.Failure to Validate the Debt ( FDCPA Violation, If Applicable ) Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), if this debt has been sold or transferred to a third party, I have the right to request full validation. If the debt has been sold, the original creditor should not continue reporting it as a charge-off. If no valid records exist, this charge-off must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am filing a formal complaint against Consumer Adjustment Co. for failing to conduct a proper investigation and reporting inconsistent and inaccurate information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, I disputed the accuracy of this account with XXXX and XXXX, but both bureaus illegally verified and updated the account as accurate without providing a Method of Verification ( MOV ) or any supporting documentation to substantiate their claim. The information reported by Consumer Adjustment Co. is full of discrepancies, contradicting details, and unverifiable data, which renders this account inaccurate and in violation of federal law. 

Major Discrepancies and Violations : Different Date of First Delinquency ( DOFD ) : XXXX : Reports XXXX  as XX/XX/XXXX. 
XXXX : Reports XXXX as XX/XX/XXXX. 
These inconsistent DOFDs violate FCRA Section 623 ( a ) ( 5 ), which requires accurate reporting of the date of first delinquency. 
Conflicting Payment History : XXXX reports a full payment history, while XXXX does not report any payment history at all. 
This is a clear violation of FCRA Section 607 ( b ), which mandates the maximum possible accuracy of reported information. 
Inconsistent Account Status : XXXX : Reports the account as open. 
XXXX : Reports the account as closed. 
A debt can not legally be both open and closed at the same time. This contradicting information makes the account unverifiable and inaccurate.

Consumer Rights Violations : Consumer Adjustment Co. has failed to provide any debt validation or evidence supporting the accuracy of this account. 
They have not responded with proof that I owe this debt or that they are legally authorized to collect it. 
This is a direct violation of FDCPA 15 U.S.C. 1692g, which requires a debt collector to validate a debt upon request.

Failure to Verify the Debt Before Reporting : Consumer Adjustment Co. has no legal standing to report this debt if they can not validate it. 
Reporting unverifiable information is a violation of FCRA Section 623 ( a ) ( 3 ) and must result in immediate deletion. 
Illegally Updating the Account Instead of Deleting It : XXXX and XXXX updated the account instead of removing it after my dispute, without supplying any verification or documentation.

FCRA Section 611 ( a ) ( 5 ) ( A ) requires that if disputed information can not be verified, it must be deleted.

Consumer Adjustment Co. Did Not Respond Within 30 Days : XXXX and XXXX failed to complete the dispute investigation within the required 30-day time frame.

FCRA Section 611 ( a ) ( 1 ) ( A ) states that if a CRA does not complete an investigation in time, the disputed item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-06 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:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with explanation