vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several accounts that are currently being reported on my credit report. I believe these items to be inaccurate, incomplete, or unverifiable. I request a thorough investigation into each of the following accounts under the Fair Credit Reporting Act ( FCRA ) and that any unverifiable or incorrect information be corrected or removed from my credit file. 
The accounts in question are as follows : 1. Creditor : XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I believe this account is being inaccurately reported and request validation of the debt, including all supporting documentation. 
2. Creditor : XXXX Account Number : Ending in XXXX Reported As : Unknown Dispute Reason : This item is unclear and lacks proper identification or explanation. I request clarification and supporting documentation for this listing. 
3. Creditor : XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I dispute the accuracy of this account and request a full investigation and proper validation of the debt. 
4. Creditor : XXXX  Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I do not believe this debt is accurate. Please provide verification and proper documentation for this account. 
5. Creditor : XXXX Account Number : Ending in XXXX Reported As : Collection/Charge Off Dispute Reason : I challenge the accuracy of this reporting and request a complete investigation and documentation supporting this entry. 
6. Creditor : XXXX XXXX Account Number : XXXX Reported As : Collection Dispute Reason : I challenge the accuracy of this reporting and request a complete investigation and documentation supporting this entry. 

Please conduct a reasonable investigation into these accounts. If the information can not be verified, it must be removed from my credit file. I am including a copy of my ID and proof of address to assist with the process. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has my name listed four different ways w/ four different name id numbers. Experian should only have one name and one name id. I've spoken to Experian representatives. They assured me via phone that they would correct the problem. They have not. The first mistake is XXXX XXXX XXXX id # : XXXX. Then they spelled my name XXXX XXXX XXXX w/ name id # : XXXX. They have my name as XXXX XXXX with XXXX id # : XXXX. My name appears correctly as XXXX XXXX XXXX as name id # XXXX. That is the only name that should appear on the report. Experian should delete Name id # XXXX XXXX, XXXX and XXXX. There are cases and legal principles that address the issue of accuracy and dispute resolution within credit reporting agencies. It's incumbent on Experian to get this correct due to the fact that there is an established history of Experian making mistakes w/ the names and name id 's. These mistakes have added additional information to unsuspecting, innocent individuals credit reports. Experian has been sued over this issue multiple times. The only address that should appear on my account is my current address of XXXX XXXX XXXX, XXXX XXXX, Ca XXXX all the others should be deleted. I have a restraining order on an individual and I dont want them to find out any additional information about me, so by law when a client asks to remove data due to a life threatening situation Experian must comply. Lastly you should list XXXX XXXX XXXX as a former employer not as a possible former or current employer. You need to have a specific list for both you cant combine former and current employers under one list.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-19 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Not answering my request and returning my money fake customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I checked my credit report and noticed that it was in charged of status but still showing a past due amount. Dispute letter and supporting documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-19 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX I Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX I Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-19 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: WI

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$580.00}

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 2025-05-19 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-19 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: GA

Complaint narrative:
I am submitting this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

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 XXXXXX/XX/year>

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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I flew in and purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX, and the loan was financed through Westlake Financial. The contract falsely listed a {$5800.00} down payment, but I only paid {$3500.00}. I did not agree to or authorize this inflated amount. This misrepresentation affected my loan terms and led to unaffordable payments and a charge-off.

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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXXSubject: Formal Credit Reporting Dispute  XXXX XXXX XXXX XXXX XXXX XXXXPursuant to 15 U.S.C.  1681i(a)(5)(A)\nDear Equifax,\nI am writing to formally dispute the accuracy and completeness of information being reported on my Equifax credit report related to the above-referenced account with XXXX XXXX. This dispute is submitted under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(5)(A), which requires the correction or deletion of any information that is found to be inaccurate, incomplete, or unverifiable.\nI request that Equifax initiate a reinvestigation of this account and obtain the following documents from XXXX XXXX to verify the legitimacy and accuracy of the reporting:\n1.\tA copy of the original signed credit agreement or contract bearing my wet signature. A digital or pre-filled application is not sufficient to validate the authenticity of the account under federal law.\n2.\tA copy of Form 1099-C, if XXXX XXXX  has charged off or canceled this debt and claimed it as a loss on their profit and loss statements. The issuance of such a form affects the legality of continued negative reporting and has tax implications.\nIf the above documentation cannot be provided by the data furnisher, I respectfully request that this account be removed from my Equifax credit file pursuant to 15 U.S.C.  1681i(a)(5)(A).\nAttached to this letter are:\n\tA copy of my government-issued photo IDXXXXA recent utility bill as proof of addressXXXX copy of my Equifax credit report with the disputed XXXX XXXX  account highlighted\nPlease complete your reinvestigation and provide a written summary of the results within the 30-day timeframe required by law.\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CORELOGIC INC
State: MI

Complaint narrative:
XXXX, XXXX XXXX, and Core Logic are furnishing outdated information about me. I demand immediate deletion of any unverified, fraudulent, and inaccurate information related to my personal credit report.

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 2025-05-19 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: ID Analytics, Inc.
State: MI

Complaint narrative:
XXXX, XXXX XXXX, and Core Logic are furnishing outdated information about me. I demand immediate deletion of any unverified, fraudulent, and inaccurate information related to my personal credit report.

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: GA

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. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$610.00} XXXX XXXX XXXX XXXX {$160.00} XXXXXXXX XXXX XXXXXXXX {$830.00} 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
UCC 3-501- The original wet-ink or timestamped agreement between me and the original creditor A digital copy or account statement doesn't count.

UCC 1-308 I do NOT waive my rights to dispute just because I am responding I never agreed to do business with you My contract was with the original creditor not you.

Proof of Consideration ( under contract law ) A contract or document showing that I received something of value from the collection company directly ( no value X= no right to report ) There is no enforceable contract without consideration.

Proven Consent Under the GLBA ( Gramm-Leach-Billey Act ) - I demand documented, signed consent showing that I authorized my private financial data " including this alleged debt '' to be shared with any third-party debt collector ( Under the GLBA Privacy Rule ) never gave consent under GLBA to share my private info .

Under the Truth in Lending in Lending Act ( TILA ), 15 U.S.C 1631 and 1632, I hereby request the full written disclosure of all material terms of timestamped proof showing written acknowledgment of receipt Any relevant clauses that permit reporting, reselling, or transferring this obligation.

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