vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
TransUnion ( Child Support Reporting Violation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal FCRA Dispute Ongoing Reporting Violations and Unlawful Favoritism of Child Support Account Dear TransUnion Dispute Department, This letter serves as a formal FCRA dispute and notice of continued noncompliance regarding the reporting of a Child Support Services account on my credit file. I have disputed this account over 67 times, yet the same materially inaccurate and incomplete data is being re-reported. 

As previously noted, the reported tradeline reflects : Monthly Payment : Not reported Term : Not reported High Balance : {$0.00} Current Balance : {$54000.00} These inconsistencies clearly violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ) and the Metro 2 standards which furnishers and CRAs are required to follow. You are knowingly reporting a balance of {$54000.00} without supporting figures for a monthly obligation or payment structure, while claiming a high balance of $ XXXX logical impossibility. 

This prompts a serious and urgent question : Why is Child Support Services being allowed to report blatantly inaccurate and incomplete data, in direct violation of the FCRAwhile every other furnisher, including debt collectors, is held to the strictest standards of compliance?

If Child Support Services is not a federal or state agency, but rather a contracted third-party servicer or private entity, then it must comply with the same FCRA reporting standards as any other furnisher. If it is a government agency, it still does not have legal immunity to furnish false or misleading information about a consumer to a credit reporting agency.

DEMAND FOR ACTION : Immediately delete this tradeline from my credit report, as continued reporting in this form violates my rights under FCRA 1681e ( b ) and 1681i, and causes ongoing harm to my creditworthiness.

If not deleted, you must provide all documentation used to verify this reporting, including the original contract, payment schedule, and source of balance. 
Explain in writing why this account is not required to meet the same accuracy and completeness standards as all other furnishers. 

Should this matter continue without resolution, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and pursue legal remedies under FCRA 616 for willful noncompliance and negligence.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-28 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> Equifax XXXXXXXX XXXX XXXX XXXX  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 any 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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'm a victim of XXXX and this still is happening to my credit. 

I kindly request that you take immediate action to permanently remove these fraudulent accounts and implement measures to block them from being re-added in the future. I would also like some compensation for the stress this is causing. 

See attachments

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, a fraudulent transfer from my business checking account was made thru XXXX. The amount that was taken from my account was {$490.00}. I contacted my financial institution, Chase, and they did an investigation. They concluded that the transaction was processed properly and was authorized- they also said that no adjustment will be made to my account. This was a total fraud that was perpetrated on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Experian Credit Bureau account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-05-28 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX Subject : Formal Dispute of Unverified Late Payments Request for Immediate Deletion To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding late payment entries currently reported on my credit file. These entries are reported by the following furnishers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy and verification of these late payment entries and requesting their immediate removal. Under the FCRA, you are required to investigate my dispute and remove any information that can not be verified with complete accuracy.

Legal Basis for Dispute FCRA 1681i ( a ) requires a reasonable reinvestigation of disputed information within 30 days. If the information can not be verified, it must be deleted from the consumer 's credit file.

FCRA 1681s-2 ( b ) requires furnishers of information to conduct a proper investigation when a consumer disputes information.

15 U.S.C. 1666b under the Truth in Lending Act provides that payments received must be credited promptly and accurately, and billing errors must be corrected. Improperly posted payments or delayed crediting may result in false late reporting, which violates federal law.

I am requesting the following actions : Immediate deletion of the late payment records from the above accounts.

Written verification and documentation of the exact dates and amounts alleged to be late.

Confirmation that any unverifiable or inaccurately reported information has been permanently removed from my credit file.

Failure to comply with your obligations under the FCRA and other applicable consumer protection laws may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office, in addition to legal action to seek damages.

Please consider this letter as my good faith effort to resolve this matter. I expect your written confirmation of your investigation results within 30 days, per federal law. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am filing a formal dispute regarding several late payment entries that continue to appear on my credit reports across XXXX, XXXX, and Equifax. These entries are negatively affecting my credit profile, despite all accounts reflecting a {$0.00} past due amount and having been resolved long ago. The accounts include XXXX XXXX ( XXXX ) reported with a delinquency dated XX/XX/XXXX, XXXX XXXX ( XXXX ) reported with a past due as of XX/XX/XXXX, XXXX XXXX ( XXXX ) with a delinquency dated XX/XX/XXXX, and XXXX XXXX  ( XXXX ) showing a past due as of XX/XX/XXXX. 

These entries are inaccurate and outdated under the Fair Credit Reporting Act ( FCRA ). As defined in 15 U.S.C. 1681c, negative information like late payments should not be reported beyond the allowable period, and once accounts are paid and brought current, those prior delinquencies should not continue to unjustly impair a consumers financial standing. Furthermore, under 15 U.S.C. 1666 and 1666 ( b ), creditors are obligated to ensure that any information reported to consumer reporting agencies is fair, accurate, and reflective of a consumers current status, especially when a balance and past due amount both reflect {$0.00}.

I recently lost my job, and dealing with these types of issues while navigating financial and emotional hardship has become increasingly difficult. These lingering marksdespite their resolved naturecreate unnecessary burdens and are not reflective of my current creditworthiness. It is extremely discouraging to know that information which should have long since fallen off or been updated is still allowed to weigh down my recovery efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: MO

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX MO XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: OH

Complaint narrative:
I purchased a Bedroom Set from " XXXX XXXX '' in XXXX Ohio. The amount was {$3200.00}. I made an initial payment of {$50.00} to receive the loan. I made a monthly payment of {$520.00}. In XXXX I told the representative that I will be paying the furniture off. On XX/XX/XXXX, I called requesting a payoff statement from KOALIFI ( the leasing company ) to confirm the payoff of my furniture loan. 

My original lease agreement specified a minimum payoff amount of {$3200.00}. I initially made a payment of {$520.00} which brought the balance down to {$2600.00}. On XX/XX/XXXX, I called the company to inquire about the total payoff amount. They provided me with the payoff figure that Saturday morning, and I paid the full amount of {$2600.00} that same day. 

After paying the payoff, I noticed that Koalifii charged my bank account an additional {$520.00}. The company did not explain the reason for this extra charge, despite my attempts to contact them. I disputed this charge because I was told the payoff amount was settled, and no one returned my calls or provided an explanation.

Since then, I have been receiving monthly charges of {$520.00} up until XX/XX/XXXX, even though I believe my account was paid off in full. Now, I am being told that I owe an additional amount, totaling over {$3000.00}, which I did not agree to or understand. This discrepancy has been ongoing for several weeks, and I am frustrated and upset. 

Furthermore, this issue has negatively impacted my credit report, hindering my ability to purchase a home and creating a significant financial hardship for me. I am seeking clarification and resolution regarding the payoff amount and the additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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