vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
I am writing to formally dispute the reporting of paid and closed accounts that continue to reflect negative statuses on my credit file. I have reviewed my credit report and found the following accounts still being reported in a manner that is inaccurate, misleading, and outdated, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been paid in full and closed, and as such, should no longer be reported as negative. Continued reporting of these accounts is damaging my creditworthiness and may constitute willful noncompliance under FCRA Section 623 and Section 607 ( b ), which requires all information furnished to consumer reporting agencies to be complete and accurate. 

Furthermore, under : FCRA Section 611, I have the right to dispute incomplete or inaccurate information.

FCRA Section 605 ( a ) ( 5 ), adverse information should not be reported beyond the applicable time frame ( typically 7 years from the original delinquency ).

FCRA Section 602, credit reporting should be fair, equitable, and respect consumer privacy and accuracy.

Fair Credit Reporting Act ( FCRA ) Violations : 607 ( b ) Failure to ensure maximum possible accuracy in reporting.

611 ( a ) Failure to conduct a reasonable reinvestigation upon my dispute.

623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly or without correction.

605 ( a ) ( 5 ) Continued reporting of adverse information beyond permissible limits.

602 ( A ) General policy requiring fairness, impartiality, and respect for privacy. 

2. Fair Debt Collection Practices Act ( FDCPA ), where applicable : 807 ( 8 ) Reporting of false credit information, including failure to communicate that a debt has been paid. 

809 ( b ) Failure to verify a disputed debt within the required 30-day period. 

3. Consumer Rights Violations : This mishandling represents a failure to uphold consumer protections and the right to a fair and accurate credit profile. By continuing to report accounts that are paid and closed as negative, the entities involved are engaging in deceptive and harmful practices.

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 2025-05-17 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: NY

Complaint narrative:
I am writing to formally dispute the reporting of paid and closed accounts that continue to reflect negative statuses on my credit file. I have reviewed my credit report and found the following accounts still being reported in a manner that is inaccurate, misleading, and outdated, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been paid in full and closed, and as such, should no longer be reported as negative. Continued reporting of these accounts is damaging my creditworthiness and may constitute willful noncompliance under FCRA Section 623 and Section 607 ( b ), which requires all information furnished to consumer reporting agencies to be complete and accurate. 

Furthermore, under : FCRA Section 611, I have the right to dispute incomplete or inaccurate information.

FCRA Section 605 ( a ) ( 5 ), adverse information should not be reported beyond the applicable time frame ( typically 7 years from the original delinquency ).

FCRA Section 602, credit reporting should be fair, equitable, and respect consumer privacy and accuracy.

Fair Credit Reporting Act ( FCRA ) Violations : 607 ( b ) Failure to ensure maximum possible accuracy in reporting.

611 ( a ) Failure to conduct a reasonable reinvestigation upon my dispute.

623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly or without correction.

605 ( a ) ( 5 ) Continued reporting of adverse information beyond permissible limits.

602 ( A ) General policy requiring fairness, impartiality, and respect for privacy. 

2. Fair Debt Collection Practices Act ( FDCPA ), where applicable : 807 ( 8 ) Reporting of false credit information, including failure to communicate that a debt has been paid. 

809 ( b ) Failure to verify a disputed debt within the required 30-day period. 

3. Consumer Rights Violations : This mishandling represents a failure to uphold consumer protections and the right to a fair and accurate credit profile. By continuing to report accounts that are paid and closed as negative, the entities involved are engaging in deceptive and harmful practices.

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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake portfolio has not helped me with my payments came up missing right after they took over my account. I called them and explain to them that XXXX XXXX XXXX was doing shady business. Took 2 payments from me before they closed and my first two payments on my loans are missing. Westlake portfolio haven't did nothing. I requested a payment history sheet. Found out two payments are missing. The funny thing about it this was my first two payments on the car. Right when XXXX XXXX XXXX was closing down. Westlake portfolio told me they have nothing to do with that I got to take it up with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
Equifax ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern I was just looking over my credit report and found some addresses that appear to be Incorrect. I've enclosed documentation providing proof of my current address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX I also noticed that my name appears to be misspelled on my report. My name only has one correct spelling and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier. 

Here are the Incorrect spelling I see listed. 

XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement.

Additionally, as required by law, I was not provided with a statement 21 days prior. Therefore, no late payments should be recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice will also be submitted to the Consumer Financial Protection Bureau XXXX CFPB )XXXX XXXX XXXX XXXX XXXX and my State Attorney General. 

I look forward to your prompt response.

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 2025-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-17 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: MS

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 605B, demanding the immediate deletion of all negative and derogatory reporting by XXXX ( XXXX XXXX XXXX  ), account number XXXX. 

This account is listed as : Closed Status : 60 Days Past Due One ( 1 ) Late Payment Reported XX/XX/year>XXXX  Balance : {$0.00} Original Balance : {$1000.00} Date Opened : XX/XX/year>XXXX  I did not authorize or validate this negative payment history. My personally identifiable information ( PII ) was exposed in a data breach, and this accountalong with the derogatory reportingwas the result of identity theft or compromised information. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am submitting this written request with supporting documentation to have this account blocked and deleted from my credit report. The law mandates removal within four ( 4 ) business days upon receipt of this dispute and identity theft notice.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and Attorney General, and I will pursue civil litigation under FCRA Sections 1681n and 1681o for damages, legal fees, and punitive relief.

You are now on notice. This dispute requires immediate attention and lawful resolution. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
My XXXX app has been taken money out of it since XXXX  until now I have asked for my money back I asked to get a investigation and never heard nothing or my money no one reaches out nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
I got a text and email saying I was approved for a loan through prosper loans. I realized it was a scam after it was too late. Prosper does say I have no current loan application in progress. I checked their site. They have my routing and account XXXX  through 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 2025-05-17 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-05-17 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: MD

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 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 2025-05-17 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:
I am submitting this complaint against TransUnion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Information : there are inconsistencies among the three credit bureaus regarding the date opened, date last active and furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there is a name variation reporting on my credit reports that is not mine. 
I would like to have the name XXXX XXXX deleted from my Experian, TransUnion and Equifax credit report and replace it with XXXX XXXX, XXXX, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-05-17 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there
should be no late payment recorded on these accounts.

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX, and my State Attorney General. 

I look forward to your prompt response.

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