vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
To : XXXX XXXX Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Re : Accounts ending in XXXX and XXXX Request for Correction of Credit Reporting and Compliance with IRS Requirements Dear XXXX XXXX Customer Advocacy Office , I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced accounts. While you confirmed that both accounts are reported as charged-off, you have failed to address several material issues which require immediate correction. 

Debt Paid in Full / Incorrect Charge-Off Reporting Both accounts have been satisfied through full payment. Continued reporting of these accounts as charged-off with a balance due is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information. Once a debt has been paid in full, reporting it as a charged-off loss misrepresents the true status and materially damages my creditworthiness.

Failure to Issue IRS Form 1099-C If XXXX XXXXXXXX canceled, settled, or discharged any portion of these debts in excess of {$600.00}, you are required under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1 to issue a Form 1099-C for debt cancellation. To date, no such form has been provided. Failure to comply with IRS reporting requirements constitutes an additional violation. 

Demand for Corrective Action Accordingly, I demand the following remedies : Immediate removal of the charge-off designation from my credit reports for accounts ending in XXXX and XXXX. 

Update to reflect a {$0.00} balance, paid in full/closed status. 

Written confirmation of whether any portion of the debts was canceled, forgiven, or discharged, and if so, issuance of the required IRS Form 1099-C. 

Notification to all three consumer reporting agencies ( Experian, XXXX XXXX XXXX  ) of the corrected status. 

Notice of Escalation If XXXX XXXX fails to correct the inaccurate reporting and comply with IRS regulations, I will have no choice but to escalate this matter further by : Filing a supplemental complaint with the CFPB documenting your continued violations, Submitting a complaint to the IRS regarding failure to issue Form 1099-C, and Pursuing available remedies under the FCRA, which include actual damages, statutory damages, punitive damages, and attorneys fees.

I expect written confirmation of corrective action within 15 days of your receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CT

Complaint narrative:
To : XXXX XXXX Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Re : Accounts ending in XXXX and XXXX Request for Correction of Credit Reporting and Compliance with IRS Requirements Dear XXXX XXXX Customer Advocacy Office , I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced accounts. While you confirmed that both accounts are reported as charged-off, you have failed to address several material issues which require immediate correction. 

Debt Paid in Full / Incorrect Charge-Off Reporting Both accounts have been satisfied through full payment. Continued reporting of these accounts as charged-off with a balance due is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information. Once a debt has been paid in full, reporting it as a charged-off loss misrepresents the true status and materially damages my creditworthiness.

Failure to Issue IRS Form 1099-C If Capital One canceled, settled, or discharged any portion of these debts in excess of {$600.00}, you are required under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1 to issue a Form 1099-C for debt cancellation. To date, no such form has been provided. Failure to comply with IRS reporting requirements constitutes an additional violation.

Demand for Corrective Action Accordingly, I demand the following remedies : Immediate removal of the charge-off designation from my credit reports for accounts ending in 0446 and 0862.

Update to reflect a {$0.00} balance, paid in full/closed status.

Written confirmation of whether any portion of the debts was canceled, forgiven, or discharged, and if so, issuance of the required IRS Form 1099-C. 

Notification to all three consumer reporting agencies ( XXXX  Equifax, and XXXX  ) of the corrected status. 

Notice of Escalation If XXXX XXXXXXXX fails to correct the inaccurate reporting and comply with IRS regulations, I will have no choice but to escalate this matter further by : Filing a supplemental complaint with the CFPB documenting your continued violations, Submitting a complaint to the IRS regarding failure to issue Form 1099-C, and Pursuing available remedies under the FCRA, which include actual damages, statutory damages, punitive damages, and attorneys fees.

I expect written confirmation of corrective action within 15 days of your receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
Hello my name is XXXX XXXX XXXX i'm a victim of Identity theft below I will have the account 's that was put in my name that I never opened and these accounts bare fraud and need to be removed from my credit report. So according to FCRA 605B ( 15 U.S.C. 1681 c-2 ) you are to block and remove these accounts in 4 days from my credit report. I will have my FTC report attached to this complaint. Here are the accounts : XXXX Opened-XXXX Account number XXXX, XXXX XXXX XXXX XXXX Opened XXXX Account number XXXX. XXXX XXXX Opened XXXX Account number XXXX, XXXX XXXX  XXXX Opened on XXXX Account number XXXX, XXXX XXXX Opened on XXXX Account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
My car had been repossessed and was sent to an auction house even though I worked out a contract to get caught up on my payments, out of state in Arizona making me have to drive from XXXX XXXX to XXXX XXXX in Arizona a total of XXXX miles to get my car back. I then met an employee there named XXXX who informed me I had to pay a money order of {$200.00} and This was the fee for the key that had been made for my car. Upon my return home I had called American credit acceptance to find out what tow yard had my license plate and stuff that I had in my car, only to be told by them I had to pay yet again for the key they had wanted made for my car. They never called or approached me at home to return my keys for said vehicle, the representative I spoke to who only stated his name was XXXX and refused to further identify his employee identity couldnt even give me a consistent price for said key, he first said I OWE them {$340.00} then it was suddenly {$320.00} then {$280.00}. When I asked for the invoice to see why they are asking me for this I couldnt be given a straight answer and I was concerned at the fact he also kept changing the price. It seems like they arranged a agreement to purchase the key on their own, and now they are trying to charge me for something they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
I am writing to formally dispute the accuracy of the repossession remark being reported on my credit file related to my account with Alliant Credit Union.

This remark is inaccurate, misleading, and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to : Report only complete and accurate information ( 15 U.S.C. 1681s-2 ( a ) ).

Conduct a reasonable investigation of disputed information when notified directly by a consumer ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc . ) due to inadequate Customerservice and unfair practices, which violate the consumer financial protection act. ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, if they did not comply with air solution require requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial laws, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
The issue is related to complaint ID XXXX. 

Although I disagreed with the company 's claim that I still owe {$33.00}, I am tired of fighting so I paid off in XX/XX/year>. The company sent me an email confirmation of the payment. XXXX days ago, I received the statement saying that I still owe {$33.00} plus a fee of XXXX. The total current balance becomes {$75.00}. That is ridiculous. I called them twice. But their customer service representatives are very difficult to communicate. They seemed not understanding the issue, and I had very hard tiime understanding their English. My understanding is that they insisted they did not receive my payment of {$33.00}.

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 2025-08-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: ID

Complaint narrative:
Received fraud alert on email saying an open account from the Department of Education for XXXX XXXX had been placed on my account in the amount of {$3700.00}. The account was opened in XX/XX/year> and went into collection on XX/XX/year>. A XXXX  address also appeared which was linked to my account. I have never lived in XXXX  and I have never had any student loans or received any XXXX XXXX. I began the process to dispute this but information is still on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
# Hard Inquiry Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Dispute of Unauthorized Hard Inquiries Demand for Deletion To Whom It May Concern, I am disputing the accuracy and legality of the following hard inquiries appearing on my credit report. These inquiries were not authorized by me and were made without a permissible purpose under the * * Fair Credit Reporting Act ( FCRA ) * * : XXXX XXXX XXXX XXXX XXXX  Disputed Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 * * * FCRA 604 ( 15 U.S.C. 1681b ) * * A consumer reporting agency may only furnish a consumer report for a permissible purpose. These inquiries lack proof of permissible purpose.

* * * FCRA 611 ( 15 U.S.C. 1681i ( a ) ) * * You must conduct a reasonable reinvestigation of disputed items. If unverifiable, they must be deleted.

* * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * You must ensure maximum possible accuracy. Reporting unverifiable inquiries violates this duty.

* * * FCRA 611 ( a ) ( 5 ) ( A ) * * If an item can not be verified, it must be permanently deleted.

* * * 15 U.S.C. 1681n & 1681o * * Willful or negligent noncompliance makes you liable for damages, attorneys fees, and costs.

-- - # # # My Demand 1. * * Provide the Method of Verification * * under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, including signed authorization and proof of permissible purpose for each inquiry.

2. If such verification can not be produced within * * 30 days * *, these inquiries must be * * permanently deleted * *.

3. Send me written confirmation once the deletions are completed.

-- - # # # Notice If you fail to comply, I will escalate this matter with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney General * *, and I will pursue legal remedies under the FCRA.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Account Reporting XXXX XXXX XXXX Acct Ending XXXX To Whom It May Concern, I am formally disputing the XXXX XXXX trade line on my Experian credit report. The information reported is inaccurate, incomplete, and contradictory, violating your duty under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i. 
Specific discrepancies include : Balance conflicts : Experian lists a high balance of {$1200.00}, Equifax shows {$680.00}, and TransUnion shows {$0.00}. These can not all be accurate. 
Credit limit inconsistencies : Experian/TransUnion report {$700.00}, while Equifax reports {$0.00}. 
Contradictory updates : Status is shown as Updated XX/XX/XXXX, yet balance is Updated XX/XX/XXXX. 
Payment history errors : Experian displays overlapping Charge-Off and late-payment codes, which is impossible and misleading. 
Under FCRA 611, you must conduct a reasonable reinvestigation. If you can not obtain competent, original documentation from XXXX proving the accuracy of each data point, you are legally required to delete this account from my credit file. Further, provide the method of verification and the full business name, address, and telephone number of each furnisher pursuant to FCRA 609 ( a ) ( 1 ). If you can not verify within 30 days, this account must be permanently deleted from my report. 
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 2025-08-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Account Reporting XXXX XXXX XXXX Acct Ending XXXX To Whom It May Concern, I am formally disputing the XXXX XXXX trade line on my Experian credit report. The information reported is inaccurate, incomplete, and contradictory, violating your duty under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i. 
Specific discrepancies include : Balance conflicts : Experian lists a high balance of {$1200.00}, Equifax shows {$680.00}, and TransUnion shows {$0.00}. These can not all be accurate. 
Credit limit inconsistencies : Experian/TransUnion report {$700.00}, while Equifax reports {$0.00}. 
Contradictory updates : Status is shown as Updated XX/XX/XXXX, yet balance is Updated XX/XX/XXXX. 
Payment history errors : Experian displays overlapping Charge-Off and late-payment codes, which is impossible and misleading. 
Under FCRA 611, you must conduct a reasonable reinvestigation. If you can not obtain competent, original documentation from XXXX proving the accuracy of each data point, you are legally required to delete this account from my credit file. Further, provide the method of verification and the full business name, address, and telephone number of each furnisher pursuant to FCRA 609 ( a ) ( 1 ). If you can not verify within 30 days, this account must be permanently deleted from my report. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2025-08-19 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:
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the payment history reported for the XXXX account listed on my credit file.

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