vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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 am submitting this complaint regarding TransUnions failure to ensure the accuracy and proper verification of information reported on my consumer credit file, as required under the Fair Credit Reporting Act. Despite my rights under federal law, TransUnion is reporting information that is inaccurate, unverifiable, and not associated with me, and has failed to maintain reasonable procedures to assure maximum possible accuracy. 
An address listed on my TransUnion credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is not mine. I have no knowledge of this address, have never lived at this location, and have no association with it. The continued reporting of this incorrect address indicates a lack of proper verification and must be corrected by deleting it from my credit file. 
TransUnion is also reporting a charge-off account from XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number ending XXXX, opened on XX/XX/XXXX with a reported high balance of {$7400.00}. I have no knowledge of this account and do not recognize it as mine. TransUnion has an obligation to verify the accuracy of this information with competent evidence, and if it can not do so, the account must be deleted. 
In addition, TransUnion is reporting a collection account from XXXX, account number ending XXXX, opened on XX/XX/XXXX with a reported balance of {$650.00}. I do not recognize this account, did not authorize it, and have no knowledge of any obligation related to it. This information is inaccurate and unverifiable and should not be appearing on my credit report. 
TransUnion is further reporting another collection account from XXXX XXXX, account number ending XXXX, opened on XX/XX/XXXX with a reported balance of {$510.00}. I have no knowledge of this account and do not acknowledge it as mine. TransUnion must either provide proper verification that this account belongs to me or remove it from my credit file. 
I am requesting that the CFPB require TransUnion to conduct a lawful and thorough reinvestigation of these items, delete any information that can not be verified as accurate, and correct my credit report to reflect only information that is fully substantiated. TransUnions continued reporting of unverifiable and inaccurate information is not compliant with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: Incomm Holdings Inc.
State: IN

Complaint narrative:
I received a physical prepaid visa card issued by XXXX. It had a balance of {$100.00}. I activated the card and shortly after, attempted to place an XXXX order that the gift card would have covered in full. The transaction was declined. 

I logged onto XXXX to view the card information, transaction history, balance, etc. 

There was an error message after logging in that explained a hold had been placed on the card and I would need to call customer service immediately. 

I spoke with XXXX representatives who insisted the card had been " compromised '' and insisted the only resolution was to send me a new card. 

This did not seem right since I had just activated the card moments prior. I attempted to explain that the only attempted charges on the card were from me. I verified the XXXX charge with them and confirmed it was me and not someone else. I explained it wasn't compromised as they suggested and asked if they could lift the hold for me. 

Again the only resolution was to provide my address for an entirely new card. I was hesitant to do this as they were having trouble understanding me and I didn't want a misunderstanding when giving my address. I also had read of a similar situation with this company of someone never receiving a replacement card. 

Upon further research it appears this company is notorious for having unnecessary security measures that make it hard to use cards online, especially XXXX. As well as poor customer support. 

As of right now the card is still locked and I have been locked out of the website to view the card information, likely due to their poor security flagging my IP or the card info itself for suspicious activity. 

All I did was activate it, attempt to use it, and now it's locked and the only resolution offered is to provide my address for a new card. 

No one can explain why it is locked, no one has offered to unlock it, no resolution or explanation at all, simply insisting I receive a new card. All so I can activate it, attempt to use it, and have it locked too for being " compromised ''. 

There are many reddit threads of people having similar situations with this company 's cards and especially on XXXX. 

As or right now my funds are inaccessible, my website access has been revoked and I have concerns regarding the reliability of their replacements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 am filing this complaint against Equifax for its repeated failure to accurately report a settled XXXX account ( ending in XXXX ). 

On XX/XX/XXXX, I reached a settlement with XXXX for a payment of {$670.00}. I have fully satisfied this agreement, and my Equifax report correctly reflects a {$0.00} balance as of XX/XX/XXXX. However, Equifax continues to report the account status as 'Charge Off ' with the remark 'Payment after charge off / collection. ' I have disputed this twice ( XXXX and XX/XX/XXXX ), providing the signed settlement letter each time. Equifax 'Verified " the incorrect 'Charge Off ' status both times. This is a violation of the FCRA requirement for maximum possible accuracy. Other credit bureaus are already reporting this account correctly as 'Paid in Settlement. ' I am attaching my settlement letter, the Equifax report showing the error, and a copy of my TransUnion report which shows the correct status to prove Equifax 's reporting is inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I disputed an account that appears only on my TransUnion credit report. The account is listed under XXXX XXXX, but XXXX XXXX  previously sold the account to XXXX XXXX, XXXX. 

Because of this, I filed a CFPB complaint against XXXX XXXX and requested validation. In their response, XXXX XXXX stated that they are not furnishing any information to the credit bureaus and that they are not reporting this account to TransUnion. They also did not provide full validation documents ( assignment, ownership, and complete accounting ). 

If XXXX XXXX is not reporting, and XXXX XXXX  sold the account, then TransUnion continues to publish information that is unverified and possibly being furnished by an entity that no longer owns the account. 

I requested validation and clarification regarding who is actually furnishing this tradeline, and the information was not provided. The account remains on my TransUnion report and continues to harm my credit. 

Under FCRA 623 ( b ), inaccurate or unverified information should not continue to be reported. I am requesting that TransUnion fully investigate this tradeline, identify the furnisher currently reporting it, and delete the account if it can not be fully validated with original documentation.

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 2025-12-27 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: AZ

Complaint narrative:
I am filing a complaint regarding improper handling of a credit card overpayment and misleading information provided by Concora Credit. 

I accidentally overpaid my account by {$180.00} due to delays and inaccuracies in Concoras online payment system. When I contacted customer service, I was explicitly told that the overpayment could NOT be applied to future purchases and that the only way to receive my money back was either to spend my full {$500.00} credit limit ( which I declined ) or to receive a refund check by mail. I was told a check would be mailed to me. 

I waited over XXXX weeks for this refund check and never received it. 

During that time, I made a purchase on the card. When I later logged in, my account was suddenly blocked for additional verification, even though the charge had already gone through. When I called customer service again, I was told that no refund check had ever been sent and that my {$180.00} overpayment had instead been applied to the purchase. 

This directly contradicts what I was previously told by Concora representatives. I was specifically told the overpayment could not be applied to purchases, yet Concora did exactly that without my consent or notification. This indicates the refund check was never processed as promised. 

To further complicate matters, I have since returned the purchase, meaning the account will again show a credit balance. Based on Concoras actions so far, I am concerned they will continue to withhold my funds or impose unreasonable conditions to access my own money. 

I am requesting that Concora : XXXX. Issue a refund of my full credit balance by check without requiring additional spending XXXX. Provide written confirmation of the refund XXXX. Correct their misleading and inconsistent customer service practices I believe Concoras actions are deceptive, unfair, and place an unreasonable burden on the consumer to retrieve their own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I disputed multiple credit accounts with TransUnion that I believe are inaccurate and unverifiable. TransUnion previously completed investigations and claimed the accounts were verified by the data furnishers. 

I later provided new and relevant information requiring reinvestigation, including documentation showing that Equifax deleted the same XXXX XXXX accounts because the furnisher was unable to verify the information. This creates furnisher inconsistency and directly calls into question the accuracy of TransUnions reporting. 

Despite receiving this new evidence, TransUnion refused to conduct a reinvestigation and stated it would not reinvestigate unless I provided creditor documents such as billing statements or letters from the creditor. This position misstates the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must reinvestigate when a consumer provides new relevant information. A consumer is not required to obtain or submit creditor documents to trigger a reinvestigation. 

TransUnion continues to report the disputed accounts even though they could not be verified with another consumer reporting agency, and TransUnion has not provided the method of verification or documentation supporting the accuracy of the accounts. 

This conduct violates the Fair Credit Reporting Act, including 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), and 1681e ( b ). I am requesting that TransUnion be required to conduct a lawful reinvestigation and delete any accounts that can not be verified with competent evidence.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Earned XXXX XXXX Gold status on XX/XX/year> by meeting the XXXX Elite Status Points threshold through spend on the Frontier Airlines XXXX XXXX ( Barclays ) and completed Frontier flights. Gold status was confirmed in both my Barclays cardholder account and XXXX XXXX account on XX/XX/year>. Flight on XX/XX/year> ( confirmation XXXX ) did not apply any Gold benefitswas charged for seat assignments and carry-on bag, assigned XXXX XXXX boarding instead of XXXX XXXX, did not receive priority customer care access, and did not earn the XXXX miles multiplier ( 40 % bonus ) despite active Gold status at time of travel.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding multiple credit inquiries that appear on my consumer credit report that were * * not authorized by me * * and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

I did not apply for credit, insurance, or any other financial product with the companies that initiated these inquiries, nor did I provide written or verbal authorization for my consumer report to be accessed. Despite this, the inquiries remain on my credit file and are negatively affecting my credit profile. 

Under * * FCRA 604 ( 15 U.S.C. 1681b ) * *, a consumer reporting agency may only furnish a consumer report when the requesting party has a valid permissible purpose. To date, neither the credit reporting agencies nor the inquiry companies have provided documentation demonstrating that such permissible purpose exists for the disputed inquiries.

I have disputed these inquiries as unauthorized, yet they have not been removed or properly substantiated. Reporting inquiries without permissible purpose is inaccurate, misleading, and noncompliant with federal consumer protection law. 

I am requesting that the CFPB require the involved companies to : * Provide documented proof of permissible purpose or consumer authorization for each disputed inquiry * Remove any inquiry that can not be fully verified as authorized * Correct my credit report to reflect only inquiries made with lawful purpose * Provide written confirmation of all corrections or deletions These unauthorized inquiries have caused unnecessary harm to my creditworthiness and financial opportunities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-27 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-27 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was gifted a {$50.00} XXXX gift card, and I opened it the information was completely scratched. This specific card didnt have engraving only a printed on number that appeared to have been scratched off completely. I called the number on the back only to have to keep repeating myself, the customer service employee provided no help and I had to come to my own resolution and ask him if it was easier to call the store and show the receipt for the card. I showed my cousin ( the one that gifted me the card ) and she called to have the issue resolved on XX/XX/XXXX. On XX/XX/XXXX she finally got the confirmation that a new card would be send in the mail. She gave it to me once it came, and now Im in possession of the card. As of XX/XX/year> I am now attempting at using it. Unfortunately it did not come activated, the sticker on the card stated to call a number to activate it, so I did. I attempted multiple times to enter my new cards number with no success I even got the phone hanged up on me multiple times!! Absolutely appalling that there is no one to help over the line, no button to indicate that all I need is to activate the card. I went on the website on the back of the card hoping to at least ensure that the balance is correct and was not able to log in due to a system error. I am incredibly, frustrated, aggravated and disgusted that there are no issues to resolve this matter and am only let to methods that dont work. I plan to take legal action if this doesnt get resolved soon. So disappointed. The receipt given is of the very first gift card that had its numbers scratched off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: PA

Complaint narrative:
To whom may it Concern, I am filing this formal complaint against the credit bureau for repeated violations of the fair credit reporting act ( FCRA ), specifically their failure to conduct a reasonable investigation and their continued reporting of fraudulent accounts on my consumer credit file. I have disputed multiple accounts that are the direct result of identity theft and fraud. These disputes were submitted multiple times through the credit bureau 's online dispute system and clearly stated that the accounts don't belong to me. Despite this, the credit bureau continues to " verify '' these fraudulent accounts without providing any evidence, documentation, or validation proving that the information is accurate or legally attributable to me. This pattern demonstrates a clear failure to conduct a reasonable investigation as required under FCRA 611. Automated or superficial verification processes do not satisfy the bureau 's legal obligation. Repeatedly marking fraudulent accounts as " verified '' without proper investigation constitutes willful noncompliance and reckless disregard for federal law. furthermore, the continued reporting of these fraudulent accounts is causing ongoing financial harm, credit denial, emotional distress and reputation damage. The credit bureau has been placed on notice multiple times that these accounts are fraudulent, yet they have failed to delete the inaccurate information as required under FCRA 607 ( b ). I am requesting that the CFPB required the credit bureau to immediately delete all fraudulent accounts that have been improperly verified.

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