vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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 viewed my credit report and noticed errors and erroneous information. It is an account by the name XXXXXXXX XXXX XXXX on my credit report. I googled the address it states XXXX XXXX of child support services XXXX XXXX XXXX XXXX XXXX Ca XXXX The address and name of this account differs from my credit report in result is inaccurate reporting. This is a clear violation of 15 U.S Code 1681e ( a ) & 15 U.S code 1681e ( b ) Accuracy of report Identity.

FA CHTRA CS is also in Violation of the privacy act 1974 5 USC 552a. I did not give written consent to share my information. ( see attached laws ) They are also in Violation of California Family Code 5611 I never received any written contract, nor did I sign a contract. They are also in Violation of California family 5614 ( 4 ) Safeguard records violation of California family code 5614 ( 3 ) sections 1788.10 to 1788.16 ( see attached laws ) They also Violated of 15 USC 1692j ( a ) They are also in violation of 45 CFR 302.35 ( ii ) The State PLS shall not release information from the computerized support enforcement system required under part 307 of this chapter, IRS information, or financial institution data match information, nor shall the State PLS forward a non-IV-D request to another State IV-D agency. 
XXXX5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions. XXXX XXXX of child support is not a creditor extending credit. 
Under 15 U.S.C 1692g ( a ) I want this debt validated. I am also requesting documents. A signed contract bearing my signature. State Child Support Enforcement ( IV-D ) Private Collection Agency ( PCA ) Policy states I have a right to request the license and bond of XXXX XXXX XXXX XXXX support being a debt collection company or XXXX with the government. 
If proof is not sent, I request immediate deletion of my credit report. This is a FDCPA violation this is not a connection with credit or extending credit to a consumer. I have attached a picture of California child support not having a liscense to collect debt which is violation of 1692e ( 8 ). They are not vouched for or bonded by the government.

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 2025-04-04 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: CA

Complaint narrative:
I viewed my credit report and noticed errors and erroneous information. It is an account by the name XXXXXXXX XXXX XXXX on my credit report. I googled the address it states XXXX XXXX of child support services XXXX XXXX XXXX XXXX XXXX Ca XXXX The address and name of this account differs from my credit report in result is inaccurate reporting. This is a clear violation of 15 U.S Code 1681e ( a ) & 15 U.S code 1681e ( b ) Accuracy of report Identity.

FA CHTRA CS is also in Violation of the privacy act 1974 5 USC 552a. I did not give written consent to share my information. ( see attached laws ) They are also in Violation of California Family Code 5611 I never received any written contract, nor did I sign a contract. They are also in Violation of California family 5614 ( 4 ) Safeguard records violation of California family code 5614 ( 3 ) sections 1788.10 to 1788.16 ( see attached laws ) They also Violated of 15 USC 1692j ( a ) They are also in violation of 45 CFR 302.35 ( ii ) The State PLS shall not release information from the computerized support enforcement system required under part 307 of this chapter, IRS information, or financial institution data match information, nor shall the State PLS forward a non-IV-D request to another State IV-D agency. 
XXXX5 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions. XXXX XXXX of child support is not a creditor extending credit. 
Under 15 U.S.C 1692g ( a ) I want this debt validated. I am also requesting documents. A signed contract bearing my signature. State Child Support Enforcement ( IV-D ) Private Collection Agency ( PCA ) Policy states I have a right to request the license and bond of XXXX XXXX XXXX XXXX support being a debt collection company or XXXX with the government. 
If proof is not sent, I request immediate deletion of my credit report. This is a FDCPA violation this is not a connection with credit or extending credit to a consumer. I have attached a picture of California child support not having a liscense to collect debt which is violation of 1692e ( 8 ). They are not vouched for or bonded by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 previously submitted a complaint regarding inaccurate bankruptcy information on my credit report, and I have not received a satisfactory resolution. The credit bureaus and creditors are required to ensure all reported information is accurate and verifiable under the Fair Credit Reporting Act ( FCRA ). 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>XXXX  Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request documented proof of verification or immediate correction of these inaccuracies. Reporting unverifiable or incorrect bankruptcy information harms my financial standing and violates consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 previously submitted a complaint regarding inaccurate bankruptcy information on my credit report, and I have not received a satisfactory resolution. The credit bureaus and creditors are required to ensure all reported information is accurate and verifiable under the Fair Credit Reporting Act ( FCRA ). 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>XXXX  Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request documented proof of verification or immediate correction of these inaccuracies. Reporting unverifiable or incorrect bankruptcy information harms my financial standing and violates consumer protection laws.

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 2025-04-04 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: GA

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Previous Address : The following previous addresses are wrong : ncorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Previous Address : The following previous addresses are wrong : ncorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX, GA, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting 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 2025-04-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX 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 AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Balance {$1200.00} Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I received on XX/XX/year> a dispute investigations from XXXX stating Bridgecrest reported the account was XXXX delinquent and XXXX past due. My account was late in XXXX due to a unexpected death in my family.i caught the account up immediately in XXXX my balance went from XXXX to XXXX currently XXXX I call Bridgecrest today, the representative stated the account is not late or in delinquent status and this information was in their system I read the information provided by XXXX she responded they have not provided Any credit bureau my payments for the month of XXXX my truck payment is paid up a month ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint against Nelnet and the XXXX Department of Education for the unauthorized reporting and disclosure of my federal student loan account to the credit bureaus without my consent or permission. 

I have never authorized the reporting of this account to XXXX, XXXX, or XXXX, and there is no documentation on record bearing my wet signature approving such disclosure. This is a direct violation of : FCRA 15 U.S.C. 1681b & 1681e ( b ) FERPA 20 U.S.C. 1232g The Privacy Act of 1974 5 U.S.C. 552a Additionally, I am concerned that my federally protected loan data has been accessed by unauthorized third parties tied to XXXX XXXX and XXXX  ( Department of Government Efficiency ). Multiple news sources confirm XXXX agents unlawfully entered federal buildings, locked employees out, and accessed government data systems. I believe my records XXXX have been accessed in this manner. 

XXXX response on XX/XX/XXXX ignored these legal issues and failed to : Provide documentation with my wet signature Explain or investigate third-party access Justify reporting my account without consent I am requesting : Immediate deletion of this account from all credit bureaus XXXX XXXX XXXX full investigation Proof of lawful authorization or removal if none exists If not resolved in 15 days, I will pursue further legal action and escalate to the FTC, XXXX Department of Education XXXX and Florida Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Friday, XX/XX/year> I deposited XXXX checks in my Truist checking account totaling {$650000.00}. Right after I made the second deposit ( a check for XXXX ) I received an email stating my funds would be on hold until XX/XX/year>. I immediately called Truist Customer Service line and I explained that I need my funds right away. The representative that I spoke with claimed there was not a problem and advised me my funds would be available right way. On Saturday, XX/XX/year> the deposit in question ( XXXX ) was showing as part of the available balance in my checking account. The same occurred on Sunday, XX/XX/year>. Since I spoke with the representative and I saw the funds available in my checking, i assume everything was okay and I started paying bills. XXXX and behold on Monday XX/XX/year> Truist decided to remove the deposit of XXXX from my available balance as a result, my account contained insufficient funds for XXXX of my transactions. For each transaction an overdraft fee of XXXX was charged. Truist is only willing to refund XXXX overdraft fees to me. This not fair because : XXXX ) Me, the consumer saw the funds as being available via mobile banking. XXXX ) Additionally, an representatives advised me there was no issue with my deposit and the funds would be available. This is unethical! You should not allow a consumer to see funds that you are planning to take away!!!,

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 2025-04-04 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-04 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: IN

Complaint narrative:
The account was told to be closed at XXXX XXXX. It was opened XXXX XXXX. I have XXXX disputes dating back all the way to 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 2025-04-04 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: FL

Complaint narrative:
I did not authorize these companies to report on my credit file.According to the FCRA Section 605B. It is illegal to report information on my credit report without my permission.

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

Complaint narrative:
I did not authorize these companies to report on my credit file.According to the FCRA Section 605B. It is illegal to report information on my credit report without my permission.

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 2025-04-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Formal Dispute of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that have been recorded on my Experian credit report. These inquiries were not initiated by me, and I did not provide permissible purpose or written authorization as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. Accordingly, these inquiries constitute a violation of federal law and must be removed. 

The inquiries I am disputing are as follows : XXXX. XXXX XXXX Inquiry XXXX : XX/XX/XXXX Type : Automobile Dealers, New Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Finance Companies - Non Specific Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Auto Financing Companies Phone Number : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Type : Auto Financing Companies Phone Number : ( XXXX ) XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Type : All Banks - Non Specific Phone Number : ( XXXX ) XXXX Under FCRA guidelines XXXX any party requesting access to my credit report must have a legitimate and documented permissible purpose, and I have no established business relationship with any of the above-listed entities. I demand immediate removal of these inquiries from my credit file. 

Please conduct an investigation and provide a written response confirming the deletion of these unauthorized inquiries. If these inquiries are not removed within 30 days of receipt of this letter, I will be forced to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies. 

Attached are copies of my government-issued ID and proof of address to assist in verifying my identity. 

Thank you for your prompt attention to this matter.

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 2025-04-04 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX La XXXX, California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
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