vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: SC

Complaint narrative:
This account represents a fraudulent rental agreement that was opened without my authorization or consent. Under Section 605B of the FCRA, I am demanding the immediate removal of this fraudulent account from my credit report. 
As this is a clear case of identity theft, I request that you investigate this matter and delete the account within 4 days of receipt of this dispute, as required by law. Attached are copies of my identification and any supporting documents to substantiate this claim. 
Please confirm in writing that this account has been removed from my credit report. If you do not resolve this dispute within 4 days, I will escalate this matter to the Federal Trade Commission and other authorities as necessary. 
Thank you for your prompt attention to this urgent 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 2025-05-02 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: CA

Complaint narrative:
Was directly effected by the Equifax data breach. my sensitive information was compromised address, social security number, drivers license number, date of birth and my name. I was directly affected by this breach, as confirmed by the official breach notification letter and control number provided to me by Equifax. Despite acknowledging the breach, Equifax failed XXXX to protect my personal information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and other consumers. I am also concerned about the continuing risk of Identity theft, financial fraud, and other misuse of my personal data. I am asking that the CFPB hold Equifax fully accountable for their failure to safeguard consumer data, for the harm caused, and for then ongoing risks consumers like myself now face as a result of their negligence. I have taken the steps to safeguard my information freezing my credit reports, changing passwords. I am asking for immediate corrective actions, including but not limited to : extend credit monitoring, financial restitution where appropriate, permanent data security improvements, and full transparency regarding the breach impact and protections offered to affected individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Why this must be accepted : This complaint is based on a brandnew incidentthe unauthorized, unnotified reinsertion of a tradeline after Experian had already promised removal. It is not a duplicate of your XXXX filing, but a continuation of willful noncompliance and fresh evidence of FCRA and XXXX violations. 

What happened? 
XXXX Unauthorized Reinsertion On XXXX, Experian sent XXXX an email stating that a fraudulent XXXX ( XXXX ) tradeline I had previously blocked due to identity theft was reinserted into my credit report. I had never requested any new dispute, and Experian provided no written notice of reinsertion, in direct violation of FCRA605B ( c ) ( 2 ), which requires that the consumer receive notice before any blocked information is reinserted. 

XXXX Original Fraud Dispute & False Promises On XXXX, I filed a formal fraud dispute with Experian and submitted : FTC Identity Theft Report ( XXXX XXXX ) XXXX XXXX police report Governmentissued photo ID XXXX  proof of address Federal Witness/Victim Protection letter Evidence of my inclusion in the XXXX  breach class action On a recorded call, XXXX ( Experian XXXX XXXX. ) confirmed receipt of all documents and promised removal of the XXXX tradeline within XXXX business days under XXXX. 
As of XXXX, the tradeline still appeared on my credit report, contradicting that promise and Experians later claim to the XXXX that it was blocked on XXXX. 

XXXX Contradictory Investigations I did not open any dispute on XXXX ; yet on XXXX, Experian opened and closed a new investigation, then emailed me that the tradeline would remain. 
XXXX XXXX another Experian rep ) later falsely told me they never received my documentsdespite XXXX confirmationdemonstrating systemic inconsistencies and failure to properly reinvestigate under FCRA611 ( a ). 

Ongoing Harm As of XXXX, the fraudulent tradeline continues to harm my credit, blocking me from home financing and causing severe emotional and financial damage.

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 2025-05-02 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OR

Complaint narrative:
Unreasonably low credit limit despite XXXX years of responsible use Ive had a Discover card since XXXX XXXX XXXX years now and my current credit limit is still only {$3400.00}. Thats barely a {$1000.00} increase over the lifetime of the account, despite consistent on-time payments, responsible usage, and a significant income increase ( now $ XXXX ). 

In contrast, I have credit cards opened much later with other issuers some started with just a {$1000.00} limit that have grown to over {$8000.00} in less than XXXX years. Ive used my Discover card the same way, including paying off large balances immediately, but repeated limit increase requests have been denied without clear justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> is a bankruptcy indicated on n my credit that the Experian Credit Reporting agency is reporting that was apart of a crime that was previously reported to them were they received all government issued documentation for verification and have been given ample amount of time to remove ALL fraud related disputes.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
To see this invalid data on my Experian Credit Report. Log into Experian, you will see my Inaccurate credit score, XXXX. 
Scroll all the way down to bottom of Report to see ( Credit ). 
Click ( Credit ) you will see XXXX categories listed vertically. On the bottom of the Report you will see ( Auto, Credit Cards, Mortgages ). 

ALL data reported here is NOT accurate. 
I had XXXX XXXX XXXX XXXX XXXX XXXX. Roughly {$32000.00} loan and was NEVER late on my payment. Data referencing my payments is NOT accurate. 
I've had many Credit Cards that I can't say was on time or paid perfectly. 
I've ( Never ) had a mortgage. Therefore All of the related data to mortgage is NOT valid. 

It appears as though someone copied and pasted all of this Inaccurate information. 
Please have Experian to accurately represent me. 
Thanks much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
To see this invalid data on my Experian Credit Report. Log into Experian, you will see my Inaccurate credit score, XXXX. 
Scroll all the way down to bottom of Report to see ( Credit ). 
Click ( Credit ) you will see XXXX categories listed vertically. On the bottom of the Report you will see ( Auto, Credit Cards, Mortgages ). 

ALL data reported here is NOT accurate. 
I had XXXX XXXX XXXX XXXX XXXX XXXX. Roughly {$32000.00} loan and was NEVER late on my payment. Data referencing my payments is NOT accurate. 
I've had many Credit Cards that I can't say was on time or paid perfectly. 
I've ( Never ) had a mortgage. Therefore All of the related data to mortgage is NOT valid. 

It appears as though someone copied and pasted all of this Inaccurate information. 
Please have Experian to accurately represent me. 
Thanks much.

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 2025-05-02 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-02 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: NC

Complaint narrative:
pecific violations include : Duplicative collection reporting based on another previously charged-off account. 
Potential inability to properly validate ownership of the alleged debt. 
Failure to comply with XXXX XXXX formatting and FCRA requirements.

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 2025-05-02 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: GA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I rented a car from XXXX at XXXX XXXX in XXXX. Upon pickup, I documented extensive pre-existing damage with timestamped photos. Despite submitting that documentation, XXXX later charged me XXXX for alleged vehicle damage. I immediately disputed the charge directly with XXXX and through my credit card company, XXXX XXXX. 

On XX/XX/XXXX, XXXX sent written confirmation that the charge had been voided and no further action would be taken ( Case # XXXX ). Based on that communication, I considered the matter resolved. 

However, in early XXXX, I received a debt collection notice from Receivable Management Services ( RMS ), attempting to collect the same XXXX that XXXX had already voided. I was never notified that the matter would be referred to collections, and the debt was never validated. 

I immediately contacted XXXX, provided all prior correspondence, and demanded a formal resolution. I also disputed the debt with RMS and sent a written demand for full validation under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, XXXX sent me a letter on company letterhead confirming that the case was closed, no balance was owed, and no further action would be taken. However, XXXX has refused to confirm whether they formally instructed RMS to void the collection or to obtain written confirmation from RMS that the debt is no longer being pursued. I remain concerned that this collection record could affect my credit or resurface in the future. 

I am a XXXX XXXX member with XXXX. Despite my status and documented evidence, the company allowed a voided charge to escalate to collections, causing me unnecessary stress, reputational risk, and legal expenses. Ive made repeated requests for accountability and proper closure, but XXXX has failed to take responsibility or offer compensation for the time and harm caused. 

This is a clear violation of consumer protection standards and the FDCPA. I am requesting that the CFPB investigate the handling of this case and ensure that XXXX and RMS are held accountable for the improper escalation, failure to validate the debt, and ongoing refusal to provide sufficient documentation that the collection has been fully canceled.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion LLC for unlawfully denying me access to my own consumer credit report, despite multiple attempts made to obtain it. I have complied with their verification instructions, yet my requests have been repeatedly denied or blocked without justification. 

This is a direct violation of my rights under 15 U.S.C. 1681g ( a ) of the Fair Credit Reporting Act ( FCRA ), which entitles all consumers to obtain a free copy of their credit report annually, as well as upon request in connection with disputes, credit denials, or other qualifying circumstances. 

Details of the Violation : I have made multiple valid requests to access my credit report from TransUnion via their website and/or by mail. 

Each attempt was either denied, resulted in an error message, or required unreasonable hurdles that prevented successful access. 

In some cases, I was told I could not be verified despite providing all required identifying information. 

I am not under any credit freeze that should prevent access, and I am not barred from access due to fraud or identity theft flags. 

I submitted appropriate proof of identity and residence, yet access continues to be denied. 

Legal Authority : Under 15 U.S.C. 1681g ( a ) of the FCRA : Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request There is no lawful basis for TransUnion to continuously withhold this information from me. Denying me access to my report interferes with my ability to : Dispute inaccuracies ; Understand my credit standing ; Exercise my rights under federal law.

Harm Suffered : This denial has caused me : Delay in addressing inaccuracies or potential identity theft Denial of access to necessary financial services Emotional distress and frustration in dealing with a system designed to make access difficult

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company 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 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
In XX/XX/year> I noticed a negative report from XXXX on my XXXX credit report for a credit card that didnt belong to me in the amount of {$1600.00}. I immediately contacted XXXX and filed a fraud report. They indicated the card had been opened in an email and phone number that have never belonged to me. Ive never received a bill from XXXX nor did I receive any product from the unauthorized use of this card. XXXX replied several months later denying my claim and saying I was responsible for the charge despite me having no knowledge of this card. I did not open this card and the account doesnt belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2025-05-02 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: TX

Complaint narrative:
Experian is reporting XXXX hard inquiries from XXXX on XX/XX/year> and XXXX XXXX on XX/XX/year>. I did not authorize these applications, and they appear to be linked to unauthorized activity or a potential data breach.

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