vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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 filing a formal complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the credit bureaus reporting this collection account for maintaining inaccurate and/or unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ) and 1681e ( b ). 

The account details are as follows : XXXX : XXXX XXXX XXXX Account XXXX : Ends in XXXX ( full number redacted for privacy ) Account Type : Collection Date Opened : XX/XX/XXXX Status : {$550.00} in collections as of XX/XX/XXXX Balance : {$550.00} Responsibility : Individual Last Status Update : XX/XX/XXXX I have disputed this account as inaccurate and unverifiable. To date, the credit bureaus and the collector have failed to provide documentation proving the validity or origin of this debt. According to 15 U.S.C. 1681i, any account that can not be verified must be deleted within 30 days. Continuing to report unverifiable information also violates 15 U.S.C. 1681e ( b ), which requires that all items be accurate and verifiable. 

I am requesting that the CFPB take action to ensure compliance with federal law and to facilitate the permanent removal of this account from all credit reports. 

XXXX Requested : XXXX deletion of the XXXX XXXX XXXX account from all consumer credit reports due to lack of verification. 

Written confirmation of the investigation outcome.

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 2025-04-07 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: TX

Complaint narrative:
Upon reviewing my credit record, I discovered late payments and have attempted to resolve this issue by sending letters over 30 days ago. However, I have not received any response, nor have they provided satisfactory validation of these reported late payments.

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 2025-04-07 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-07 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: GA

Complaint narrative:
I Had multiple accounts that were inaccurate on my consumer report. THESE ACCOUNTS WERE SUPPOSED BE DELETED ON MY CREDIT REPORT. I REQUESTED ITHIS FOR ALL OF THE ACCOUNTS. THEY WERE REPORTING DIFFERENT INFORMATION ON EACH ACCOUNT BETWEEN EQUIFAX, EXPERIAN, AND TRANSUNUION. THIS IS A VIOLATION OF THE FCRA BECAUSE THESE ACCOUNTS WERE VERIFIED AND UPDATED WITH KNOWN ERROS.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
{$5200.00} loan about in incorrect and unable to verify. This loan was forgiven and still showed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Despite numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. This unauthorized information, resulting from identity theft, has significantly impacted my life by causing substantial stress and 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I am being pursued for a medical-related debt tied to incomplete XXXX  XXXX  for my son. The original provider failed to deliver the full service ( braces were never fully installed ), and I ended care due to the lack of treatment. I do not believe I am legally responsible for this charge and never agreed to pay for an incomplete or unsatisfactory service. 

The collector ( Sequium Asset Solutions ) reported this account to all three credit bureaus without first notifying me or providing validation. I have disputed the debt with XXXX, XXXX, and XXXX, including documentation to show that I continued my sons care with a different provider. ( proof provided ) This collection is harming my credit and directly caused me to be denied a Grad PLUS loan that I depend on as a single mother and PhD student. 

I request that this collection be removed from my credit report and that further attempts to collect on this disputed debt be ceased under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TN

Complaint narrative:
Thank you for reviewing my complaint. However, I am requesting that my case be reopened as the response provided by Equifax is incomplete, does not fully address my concerns, and leaves several inaccuracies unresolved on my credit report. 

While some former names and addresses were removed, the primary disputed accounts including those inaccurately verified by Equifax were not properly investigated. My concerns relate to factual inaccuracies, improper furnishing of information, and lack of sufficient validation under the FCRA and XXXX XXXX compliance standards. 

Specifically : Equifax simply marked the accounts as verified without providing evidence or documentation to support that verification. 

No explanation or investigation details were provided for how the accounts were verified or how they determined the information was accurate. 

The updates they mention do not resolve the core issue, which is that the information being reported is either inaccurate, outdated, or does not belong to me. 

The accounts that were supposedly " updated '' are still negatively impacting my report without resolution or documentation. 

Under 15 U.S. Code 1681i ( FCRA ), I have the right to a reasonable reinvestigation and to receive the method of verification if I dispute the accuracy of information. 

Therefore, I respectfully request : That this case be reopened and re-reviewed. 

That Equifax be required to furnish proof of their verification methods. 

That any unverifiable or inaccurate items be removed from my credit report as mandated under the FCRA. 

I am attaching a copy of Equifaxs response and am happy to provide any additional information needed to assist in your review. 

Thank you for your time and support in resolving this matter properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I looked at my Capitol One transactions and noticed that car payments were being made but a few days later, they were being returned. I called them and talked with a person who said that this will be fixed and sent me papers to sign and fax back. They were supposed to correct the, " late payments '' because there weren't any, as a matter of fact, i paid double a few times months to correct the " payments made '' and they were to start my loan from where I found it before they

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: VA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This complaint is a follow-up to my previous complaint ( # XXXX ), submitted on XX/XX/year>, against Experian. 

In that complaint, I detailed how Experian failed to conduct a reasonable investigation into a disputed collection account reported by XXXX XXXX XXXX, which was being updated illegally during an active dispute and without proper validation from the furnisher. 

Experian submitted an interim response on XX/XX/year>, stating the matter was under review. However, as of XX/XX/year>, I have received no final response or resolution. 

This delay exceeds the CFPBs 15-day requirement for a substantive company response. I am filing this follow-up complaint to request escalation and resolution.

The original complaint involved : Illegal updates during a pending dispute in violation of FCRA 1681s-2 ( a ) ( 3 ) Failure to conduct a reasonable investigation under FCRA 1681i ( a ) Continued reporting by the furnisher without validating the debt

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 2025-04-07 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
My cash app card was lost and some home someone has found my cash app card and has been using it to make unauthorized purchases and I would like cash app to throughly investigate my disputes I have filled for all the unauthorized transactions I have submitted to cash app via dispute I did not make these charges and I demand cash app to retrieve my money back to my cash app account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am filing this complaint against Equifax regarding inaccurate and misleading reporting of a late payment on account # XXXX ( XXXX XXXX XXXX ), which has already been paid and closed. 

Equifax previously removed the charge-off designation from this account. However, a late payment remains on my report which is both inconsistent and inaccurate under Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1666b. 

I submitted a formal dispute via certified mail, along with identity verification documents. Despite this, Equifax failed to correct the reporting and responded with a vague verified status without proving how the information was lawfully verified. 

I specifically requested supporting documentation showing billing notices were issued in accordance with federal law. Equifax has not provided such proof and continues to report inaccurate data that causes financial harm. 

This is a clear violation of my rights under the FCRA and may be considered willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: VA

Complaint narrative:
I am filing a complaint against Equifax, Transunion, & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax, Transunion, & Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion & Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-07 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: VA

Complaint narrative:
I am filing a complaint against Equifax, Transunion, & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax, Transunion, & Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion & Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-07 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: GA

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) in relation to fraudulent activity on my credit report, which resulted from the exposure of my personal information in the XXXX data breach. Despite my efforts to resolve this matter with the credit bureaus, I have not received proper validation in accordance with the requirements set forth under Title 15 U.S.C. 1681, specifically the Fair Credit Reporting Act ( FCRA ). The FCRA outlines certain responsibilities for credit reporting agencies, users of credit reports, and those involved in reporting and investigating disputed information on credit reports. Under 1681i ( a ) ( 1 ), the FCRA mandates that a consumer reporting agency must conduct a reasonable investigation upon receiving a notice of dispute from a consumer, and it must complete the investigation within 30 days. However, I have not received the required validation or a timely resolution from the credit bureaus despite my repeated requests. Furthermore, under 1681c-2, the FCRA stipulates that consumers must be notified if their information has been impacted by fraudulent activity, yet I did not receive adequate notification or assistance in addressing the fraudulent accounts appearing on my credit report. Additionally, 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information reported. The failure to validate and properly investigate my disputes and address the fraudulent activity on my report is a direct violation of this provision, as the information remains inaccurate and unresolved. Due to these violations and the inability of the credit bureaus to properly validate the fraudulent activity and correct my credit report, I am seeking assistance through the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld, and that the erroneous information is properly rectified.

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