vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
i reached out to company and alert them of fraudulent activity and requested validation of debt and nothing was provided

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 2025-05-18 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: NV

Complaint narrative:
I am filing a formal complaint against Equifax and XXXX XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding a disputed collection account on my credit file.The account in question is being reported by XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and appears on my Equifax credit report. I have disputed this account with XXXX, providing documentation and requesting verification and validation. 



Despite my dispute, Equifax has failed to conduct a reasonable investigation, and XXXX XXXX XXXX XXXX XXXX has failed to provide proper validation or evidence that they have legal standing to collect or report this debt. The collection remains on my credit report, in violation of multiple provisions of the FCRA. 
Violations of the Fair Credit Reporting Act ( FCRA ) : 1.

Failure to Conduct Reasonable Reinvestigation FCRA 1681i ( a ) ( 1 ) ( A ) Equifax did not conduct a meaningful reinvestigation into the disputed account. There is no indication that they reviewed any documentation from XXXX XXXX XXXX or considered the supporting evidence I submitted. 



2.

Failure to Provide Investigation Procedure and Results FCRA 1681i ( a ) ( 6 ) Equifax failed to explain how the dispute was verified and what steps were taken. I was not informed of the method or basis for their decision to continue reporting the account. 



3.

Failure to Delete Unverifiable or Inaccurate Information FCRA 1681i ( a ) ( 5 ) ( A ) Equifax continued to report this account even though no adequate documentation has been provided by the data furnisher to substantiate it.

4.

Failure by Furnisher to Investigate Dispute FCRA 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX , as a data furnisher, is obligated to investigate disputes forwarded by a credit reporting agency and report the results. No evidence has been provided to me that any such investigation took place. 

I am formally requesting a copy of the forward flow agreement or other documentation demonstrating XXXX XXXX XXXX XXXX XXXX legal right to collect and report this debt. Under FCRA and general consumer protection principles, a debt collector must be able to prove their ownership of the debt or a contractual assignment from the original creditor. Without this, they are not legally authorized to furnish information to credit bureaus. 


Failure to provide this agreement calls into question the legitimacy of XXXX XXXX XXXX reporting, and the account must be removed from my credit report accordingly. 

These failures have caused ongoing harm to my credit, resulting in denial of credit, increased interest rates, and emotional stress. I am being penalized for a debt that has not been properly verified or legally validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I submitted a formal debt validation request to Portfolio Recovery Associates regarding a debt they claim to collect on behalf of XXXX XXXX. I exercised my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and demanded full validation of the alleged debt, including a signed contract, complete payment history, proof of assignment, and breakdown of the balance. 

Despite this, I have not received any legal documentation validating the debt. Portfolio Recovery continues to report this account to the credit bureaus, which constitutes a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act, and 15 U.S.C. 1692e ( 8 ) for reporting unverifiable or misleading information.

Their failure to validate the debt and refusal to remove it from my credit report is damaging my financial standing and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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 reached out to company and alert them of fraudulent activity and requested validation of debt and nothing was provided

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 2025-05-18 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: FL

Complaint narrative:
i reached out to company and alert them of fraudulent activity and requested validation of debt and nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have several false inquiries on my experian credit report XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX hard inquiry is fraud I have XXXX existing accounts opened XX/XX/XXXX and XXXX that I have maintained. This XXXX inquiry is false as I have not applied for any XXXX account. I had a XXXX card they reissued and renamed to XXXX but I did not apply to do so. 

I do not have an account with XXXX  and do not do business with them. The inquiry for XX/XX/XXXX is false. 

XX/XX/XXXX XXXX XXXX savings b hard inquiry is fraud. I had this account open since XX/XX/XXXX These XXXX hard inquiry errors on my experience credit report must be deleted

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 2025-05-18 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: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet took over my student loans from mygreatlakes. Per mygreatlakes service provider if I had automatic payments set up this would all transfer to the new service provider, nelnet. Nelnet did not take my automatic payments and did not notify me via mail that they needed payment. They then submitted negative late reports on my credit for 3 months, when I paid them up to date and set up automatic payments after the first month.

I then disputed this with the 3 credit bureaus, XXXX XXXX and XXXX and non of their investigation teams updated the payments or corrected nelnets negative reports. I provided screenshots from nelnet themselves that my accounts are in good standing and still experian did not update the records. My credit score went from 843 to 640 because these companies can't follow their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/scrub> 2025 I am showing an accuracy on my credit report for XXXX XXXX Equifax is not updating my payment history. I have no payment history for Equifax. I need this information updated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I made my payment for {$200.00} on XXXX XXXX. It cleared my checking account on XXXX XXXX and I spoke to this company in indigo and they said that I would not have available funds until XXXX XXXX. Why are they holding my money for 18 days when theyve already received it? I dont think this seems fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
XXXX XXXX has been repeatedly reporting incorrect account information to the credit bureaus regarding my personal credit card account ending in XXXX. 

Specifically, they are reporting the balance and transactions from my separate business credit card account ending in XXXX under my personal account, causing my personal credit utilization and score to be negatively impacted. 

This is a serious reporting error that appears to stem from a backend issue at XXXX XXXX, possibly a data mismatch or account merge. 

I already disputed this through XXXX via XXXX XXXX, and the correction was briefly applied. However, the incorrect data reappeared the next day, suggesting that XXXX XXXX is re-reporting inaccurate balances every cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
XXXX XXXX has been repeatedly reporting incorrect account information to the credit bureaus regarding my personal credit card account ending in XXXX. 

Specifically, they are reporting the balance and transactions from my separate business credit card account ending in XXXX under my personal account, causing my personal credit utilization and score to be negatively impacted. 

This is a serious reporting error that appears to stem from a backend issue at XXXX XXXX, possibly a data mismatch or account merge. 

I already disputed this through XXXX via Credit Karma, and the correction was briefly applied. However, the incorrect data reappeared the next day, suggesting that XXXX XXXX is re-reporting inaccurate balances every cycle.

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 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Kane & Weiner for Inaccurate Debt Collection and Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Kane & Weiner , LLC regarding an inaccurate debt collection account that has been reported on my credit report. The account in question is related to an alleged debt of {$130.00}, which Kane & Weiner claims I owe on behalf of my previous insurance provider, XXXX. 

The issue is as follows : I was incorrectly charged by XXXX due to a disputed insurance overpayment situation. XXXX agreed to adjust or waive this charge but failed to properly communicate or resolve this before Kane & Weiner placed the account in collections.

Despite multiple disputes filed with Kane & Weiner and credit bureaus, the derogatory mark remains on my credit report, damaging my creditworthiness.

Kane & Weiner has failed to provide adequate validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 


I request that the CFPB investigate this matter promptly and take appropriate action to ensure Kane & Weiner removes this inaccurate derogatory mark from my credit report, and ceases any further unfair collection activities. 


Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: MN

Complaint narrative:
On XXXX XXXX XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX XXXX. At check-in, the hotel placed a temporary incidental hold of {$100.00} on my Cash App XXXX XXXX, which is standard practice. I checked out on XXXX XXXX XXXX, with no damages or additional charges. 

Since then, I have contacted the hotel and received confirmation via email that no final charges were made and that the {$100.00} hold was released. Despite this, the charge is still pending on my Cash App account more than a week later. 

Ive contacted Cash App support multiple times and provided all documentation, including a folio and email from hotel management confirming no outstanding balance. Yet, I am being told I must wait until XXXX XXXX XXXX ( a full 30 days ) for the funds to be released. 

This delay is unreasonable and excessive. It is also inconsistent with standard industry practices and with Cash Apps own ability to release holds when proof is provided. I am requesting immediate assistance in getting this matter resolved and the hold removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I had a new credit card that incurred multiple unknown charges from XXXX. I filed a dispute. The credit card company issued a new card, cancelled the old card with the fraudulent charges and credited my new card. However, and only by accident, I realized that they had turned the old card with the disputed charges over to a debt collector as a bad debt. All payments were current. In addition the debt collector demanded payment in the amount I had disputed while refusing to confirm the card number they were collecting for. 
In essence, they issued a new card to me with the fraudulent charges removed but rather than investigating my dispute and refunding the fraudulent charges they turned the old card over to a debt collector as a bad debt and did not advise me of any actions regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Actions taken by company when I received money from clients or loved ones they shut my account down or either delayed and didn't add all money on to my account putting me In a tight spot to pay my bills and take care of my XXXX children

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-18 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account # XXXX. Account name. # XXXX. Account # XXXX. Has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions, and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account # XXXX. Account name. # XXXX. Account # XXXX. Has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 602 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions, and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

This information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity.

I am distressed that you failed to maintain reasonable procedures to assure the maximum possible validity completeness, accurateness and correctness in the credit reports that you provide to creditors.

This letter is a formal complaint that you are reporting invalid and incomplete account information as well as both inaccurate and incorrect account information.

After consultation, I found that there are Federal Laws to ensure credit reporting bureaus such as yours may only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors.

The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

Company response to consumer: Closed with explanation