vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Formal Dispute of Duplicate Reporting Account with XXXX XXXX  / AllianceOne To Whom It May Concern, I am formally disputing inaccurate and duplicate information that appears on my XXXX credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The account in question is : XXXX : XXXX XXXX, XXXX. 
Account Number ( partial ) : XXXX Balance : {$640.00} Status : Charged Off / Closed This account has already been reported by XXXX XXXX and is showing on my XXXX  credit file. However, I am now also receiving collection notices from AllianceOne XXXX XXXX XXXX XXXX, regarding this same exact account and balance. This creates a duplicate entry for the same debt, which is misleading, inaccurate, and violates my rights under FCRA 602 ( A ) and 607 ( b ) ( requiring maximum possible accuracy ).

Duplicate reporting of the same account unfairly damages my credit by making it appear as though I have two separate derogatory accounts when in fact it is the same XXXX XXXX account. 

Accordingly, I demand that XXXX : 1. Immediately investigate this matter pursuant to FCRA 611 ( 15 U.S.C. 1681i ). 
2. Remove any duplicate reporting of the XXXX XXXX account being furnished through AllianceOne or otherwise correct the reporting so that it only appears once. 
XXXX. Provide me with written confirmation of the results of your reinvestigation. 

Please be advised that I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter, as this inaccurate reporting is in violation of federal law. 

Attached are supporting documents : AllianceOne collection letter dated XX/XX/XXXX. 
XXXX  credit report showing the XXXX XXXX account already listed. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-08-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX  XXXX DC XXXX Date : XX/XX/year> Subject : Formal Complaint and Dispute of Inaccurate and Unverifiable Credit Reporting Experian, Equifax, and TransUnion Dear CFPB, I am filing this complaint against the three major credit reporting agencies Experian, Equifax, and TransUnion for reporting inaccurate and unverifiable information on my credit files. 

Under the Fair Credit Reporting Act ( FCRA ), these agencies are required to maintain maximum possible accuracy and to properly reinvestigate disputes. Despite this, the following accounts continue to appear on my reports even though they are inaccurate, incomplete, or unverifiable. 

Accounts in Dispute Experian XXXX. Dept of EdXXXX Acct # XXXX XXXX. Dept of Ed/XXXX Acct XXXX XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. Dept of Ed/XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX Equifax XXXX. XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. Dept of EdXXXX Acct XXXX XXXX XXXX. XXXX Acct XXXX XXXXXXXX XXXX. Dept of EdXXXX Acct XXXX XXXXXXXX XXXX. XXXX XXXX Acct XXXX XXXX TransUnion XXXX. XXXX Acct # XXXX XXXX. XXXX of XXXX Acct # XXXX XXXX. Dept of EdXXXX AccXXXX XXXX XXXXXXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. Dept of EdXXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXXXXXX Basis for Dispute XXXX. Violation of FCRA 1681e ( b ) and 1681i ( a ) : Each bureau is required to ensure maximum possible accuracy and conduct proper reinvestigations. These obligations have not been met. 
XXXX. Failure to Verify : The above accounts are either inaccurate or unverifiable. If they can not be verified within the statutory time frame, they must be deleted immediately. 
XXXX. Recent Legal Actions : Federal enforcement and lawsuits against Experian and Equifax confirm systemic failures in ensuring report accuracy. 


Action Requested I am requesting that the CFPB require Experian, Equifax, and TransUnion to : Immediately conduct proper reinvestigations of the accounts listed above. 
Delete any account that can not be fully verified with documented proof. 
Provide me with written confirmation of deletions or corrections within 30 days. 


If these agencies fail to comply, I ask that the CFPB take appropriate enforcement action to protect my rights under the law. 

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 2025-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have been a loyal Cash App user for over 10 years without any issues. On Friday, at XXXX XXXX, my account card was suddenly frozen without any prior notice or explanation. Initial contact with customer service resulted only in vague information citing " suspicious activity '' with no further details. -- - * * Details of Incident : * * - Despite multiple calls from Friday through Monday ( XXXX times each day ), no clear information was provided until I connected with an agent named XXXX on Monday. - XXXX informed me there was a security hold under investigation by specialists and assured me the freeze would be lifted by Tuesday, XXXXXXXX XXXX XXXXXXXX. - However, as of Tuesday XXXXXXXX XXXX XXXXXXXX, my account remains frozen with no further updates. - When I contacted customer service again, I was told the issue still persists and all they could do was escalate the case to a specialist, ignoring my prior assurances and conversation with XXXX. - I have received no email notification from Cash App explaining this freeze or providing status updates. -- - * * Impact : * * Because of this unfounded freeze and lack of communication, I was unable to access funds necessary to support my family during this period. This caused considerable distress, including being unable to provide food, resulting in emotional distress for me and my children. The handling of this situation by Cash App is unacceptable from a financial service providers standpoint. -- - * * Requested Resolution : * * 1. Immediate unfreezing of my account so I regain access to my funds. 2. Clear, timely communication about the nature of the issue and steps being taken to resolve it. 3. Explanation and formal apology regarding the lack of communication and the undue hardship caused. 4. Assurance that proper notification procedures are implemented in the future to prevent similar experiences for me and other customers. -- - Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Subject : Furnisher and Bureau Violations Inadequate Verification and Continued Reporting I am filing this complaint against Toyota Motor Credit and the credit reporting agencies ( XXXX XXXX, and XXXX  ) for inaccurate and unverifiable reporting related to : Toyota Motor Credit Account # XXXX. 
Despite my written disputes, the furnisher only sent a generic letter claiming 'verification ' without providing required documentation such as the original signed contract, full payment history, and proof of the alleged delinquencies. This is a direct violation of 15 U.S.C. 1681i and 15 U.S.C. 1692g. 
I request that the CFPB enforce the deletion of this unverifiable account and investigate the parties involved for failing to comply with federal law. 
This continued reporting is causing me financial harm, including denial of credit and increased rates, despite the lack of verifiable evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
b'nothing wating on new company card at capital one.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The following open complaint # XXXX was filed against American Express with regard to conflicting requirements on a review that was being done on my account. Subsequent financial records that were sent in to this company were never acknowledged to have been reviewed nor processed. On XX/XX/year>2025 ( days prior to the deadline that American Express had noted in their electronic messages to me ), a letter was sent to me stating that my account status had been changed. Since this time and having an excellent payment history with this company, all my transactions have been declined. Also as of the date on this complaint, American Express has not responded to the above listed complaint filed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IN

Complaint narrative:
I am disputing the accuracy of a collection account being reported on my Equifax credit file. 

The tradeline appears with the notation Original Creditor : XXXX. However, this reporting is incomplete and misleading because : The account does not clearly identify the current owner or collection agency handling the debt. 

The tradeline is presented in a way that implies I still owe a balance directly to XXXX, when in fact the debt has been transferred to a third party. 

This presentation is inaccurate and fails to provide a complete picture of the account history. 

Under the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish. 

1681i ( a ) : If disputed, the CRA must conduct a reasonable reinvestigation and delete or correct any incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Formal Complaint - Collection Account Reporting Without Full Validation | FCRA 611, FDCPA 809 ( b ) To Whom It May Concern, I am filing this formal dispute and complaint regarding a collection account that is being reported on my consumer credit file by XXXX XXXX, who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continues to report inaccurate or unverifiable information in violation of the Fair Credit Reporting Act, 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). Despite my timely and certified request for validation under FDCPA 809, the collector either : Sent only generic billing statements or screenshots not tied to my identity. Could not supply an original signed contract or application showing my agreement to this debt, Continued to report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( 3 ).

Under FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights. RESOLUTION REQUESTED : I respectfully request that the Consumer Financial Protection Bureau open an investigation into this matter and enforce : Immediate removal of this unvalidated debt from all consumer reporting agencies. : A review of the collectors reporting and compliance procedures, A permanent cease and desist from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identity fraud or reporting errors are also involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
XX/XX/year>, XX/XX/year>, XX/XX/year> I faxed a letter requesting a detailed statement for debt collection from XXXX XXXX XXXX. 

I spoke on the phone with a representative from I.Q. Data XXXX XXXX XXXX on XX/XX/year> requesting a letter detailing what the collection bill was for. The lady on the phone stated she saw the request in my record but that I probably had not received it because I was using a different address. I verbally requested a copy of the detailed letter and stated I needed to receive that letter to take the apartment complex to court for discrepancies. After that phone call I sent two more fax requests. I have not received the detailed letter after sending three fax requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
XXXX XXXX  I am filing a complaint against XXXX XXXX  for inaccurate credit reporting. They are reporting a charged-off account with a remaining balance.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate information. A charged-off account that is closed and should not show a balance.

Also, since the balance is reported for {$1000.00} and they are showing it as charged off. I believe they need to file a 1099-C with the IRS.

Under IRS rules ( 26 U.S.C. 6050P ), a creditor must issue a Form 1099-C ( Cancellation of Debt ) if {$600.00} or more. If they claimed they did file a 1099-C, they should produce it as proof. I have asked for this proof. I have not received this proof.

If they claim the debt is still owed and report a balance, but also filed a 1099-C with the IRS, that can be inaccurate or even double-dipping ( because they told the IRS its canceled but are telling the credit bureaus its owed ).

Overall, this company continues to verify false information despite disputes filed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
XXXX XXXX  I am filing a complaint against XXXX XXXX  for inaccurate credit reporting. They are reporting a charged-off account with a remaining balance. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate information. A charged-off account that is closed and should not show a balance.

Also, since the balance is reported for {$1000.00} and they are showing it as charged off. I believe they need to file a 1099-C with the IRS.

Under IRS rules ( 26 U.S.C. 6050P ), a creditor must issue a Form 1099-C ( Cancellation of Debt ) if {$600.00} or more. If they claimed they did file a 1099-C, they should produce it as proof. I have asked for this proof. I have not received this proof.

If they claim the debt is still owed and report a balance, but also filed a 1099-C with the IRS, that can be inaccurate or even double-dipping ( because they told the IRS its canceled but are telling the credit bureaus its owed ).

Overall, this company continues to verify false information despite disputes filed with the credit bureaus.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy : Experian : XXXX XXXX Account ending in XXXX ( Balance : {$440.00}, Limit : {$400.00} ) XXXX  Account ending in XXXX ( Balance : {$3000.00}, Original {$9500.00} XXXX XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) Equifax : XXXX XXXX Account ending in XXXX ( Balance : {$290.00}, Limit : {$300.00} ) XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) XXXX XXXX Account ending in XXXX XXXX Closed XX/XX/XXXX, Status : Paid, but reporting negative/late history ) TransUnion : XXXX XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Status : Collection/Chargeoff ) XXXX Account ending in XXXX ( Closed XX/XX/XXXX, Balance {$0.00} XXXX Status : Negative ) XXXX  Account ending in XXXX ( Closed XX/XX/XXXX, Status : Transferred, reporting 90+ lates ) XXXX XXXX Account ending in XXXX ( Balance {$140.00}, Status : Collection/Chargeoff )

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: 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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief