vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with TransUnion, XXXX, and XXXX for their continual failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Your failure to adhere to these regulations has caused me significant stress and financial hardship. Despite my efforts to resolve the inaccuracies on my credit report, I have been unjustly subjected to high deposits and denied approval for a vehicle. As a veteran who has served this country, I believe I should be granted the same opportunities as any other citizen. 

My identity has been compromised, resulting in erroneous accounts being reported on my credit profile. I have submitted Federal Trade Commission ( FTC ) reports, character witness statements, and police reports, yet these inaccuracies persist. It is clear that your organizations, which profit from consumer debt, are willfully neglecting their legal obligations by refusing to remove these disputed items. 

Moreover, I have observed that your dispute processes have been outsourced to foreign nationals who lack the necessary understanding of U.S. regulations to verify the disputes accurately. When I request the method of verification, I am never provided with details on who verified the information, where it was verified, or the documentation used for verification. For example, how can a company verify a late payment or claim balances on charge-offs? It is unacceptable that I am dealing with negative items on my credit report that I did not create.

I am aware of the Consumer Financial Protection Bureau ( CFPB ) case against XXXX for fraudulently reporting investigations into consumer disputes. This further highlights the misconduct within your organizations. If these issues are not resolved promptly, I will have no choice but to pursue legal action for libel, defamation of character, and violations under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), as it is evident that you are colluding with creditors to extort consumers.

I demand immediate action to correct these inaccuracies and a thorough review of your dispute processes to ensure compliance with all relevant regulations. Failure to address these concerns will result in further escalation.

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 2025-01-13 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:
To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with XXXX, Equifax, and XXXX for their continual failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Your failure to adhere to these regulations has caused me significant stress and financial hardship. Despite my efforts to resolve the inaccuracies on my credit report, I have been unjustly subjected to high deposits and denied approval for a vehicle. As a veteran who has served this country, I believe I should be granted the same opportunities as any other citizen. 

My identity has been compromised, resulting in erroneous accounts being reported on my credit profile. I have submitted Federal Trade Commission ( FTC ) reports, character witness statements, and police reports, yet these inaccuracies persist. It is clear that your organizations, which profit from consumer debt, are willfully neglecting their legal obligations by refusing to remove these disputed items. 

Moreover, I have observed that your dispute processes have been outsourced to foreign nationals who lack the necessary understanding of U.S. regulations to verify the disputes accurately. When I request the method of verification, I am never provided with details on who verified the information, where it was verified, or the documentation used for verification. For example, how can a company verify a late payment or claim balances on charge-offs? It is unacceptable that I am dealing with negative items on my credit report that I did not create.

I am aware of the Consumer Financial Protection Bureau ( CFPB ) case against XXXX for fraudulently reporting investigations into consumer disputes. This further highlights the misconduct within your organizations. If these issues are not resolved promptly, I will have no choice but to pursue legal action for libel, defamation of character, and violations under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), as it is evident that you are colluding with creditors to extort consumers.

I demand immediate action to correct these inaccuracies and a thorough review of your dispute processes to ensure compliance with all relevant regulations. Failure to address these concerns will result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-13 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
On XX/XX/year>2024 on a recording I spoke to XXXX XXXX at that time I asked him to validate a collection he posted on my credit report I have no clue Who you are so after I verify who I was he research the account and found multiple accounts but he said he didnt find any accounts for me XXXX XXXX So I asked if hide company remove the inaccurate account.he is collection company and when did they start placing accounts on collections at that point he refused to give any details this not legal I sayed and I am reporting this to the BBB Followed By a law suit against your company for id theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was contacted by Discover about abnormal transactions. I panicked and agreed to cancel my XXXX cards and I was issued replacements and was steered in the direction of filling a fraud claim by discover. At the time I wasnt aware of the transactions. I found out the unauthorized transactions were made and covered up by someone in my home. Between XX/XX/XXXX through XX/XX/XXXX I believe Discover was deceitful and misled me by giving false hope and non factual information pertaining to the outcome of the investigation. The dispute department was also very unprofessional and very critical of me as a parent. I was told it was going in my favor and that it would be taken care of. I was told within XXXX hours it would be resolved. But what Discover fraud investigators did was remove the balance twice, and both times when they restored the balance they pushed me over the limit by a few thousands dollars. This not only damaged my credit score but it will cost me excess accrued interest fees. I have never been over my limit as a customer. I dont believe this is fair to treat customers this way and damage their credit score.

Obviously Im disappointed about the outcome because the XXXX investigator team assured me that as a customer I would never be held liable for unauthorized transactions. But even more so Im disappointed with how Discover financial services has damaged my credit score and pushed me over my credit limit. I dont believe I should be held responsible. I believe its deceitful due to the fact that they offer protection for its customers for unauthorized transactions. This was never about fraud, I was directed by Discover to file my complaint as fraud and I believe that made things worse for me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I requested the original creditor information that shows the debt was mine. I was told the original account was opened online. I requested documents and agreements with my signature and documents to show my identification to show it was me. Like my drivers license to show proof i opened this account. Also showing documents and agreements, for them to buy, sale and trade my personal information. And placing my personal information on sites that anyone can obtain or see without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am raising a formal complaint regarding TransUnion, XXXX, and XXXX for their repeated failure to address inaccuracies on my credit report. Despite submitting disputes multiple times, the errors remain uncorrected, showing a lack of compliance with legal requirements to ensure accurate reporting. 

FCRA 1681e ( b ) Violation : The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy in the information reported. The inaccurate information on my report demonstrates negligence in their verification processes.

FCRA 1681i ( a ) ( 1 ) ( A ) Violation : Despite my disputes, no meaningful reinvestigation has been conducted, and I have not been provided with any supporting documentation to validate the information in question.

FDCPA 807 ( 8 ) Violation : The collection account in question continues to report incorrect details, including an inflated balance, which is deceptive and harmful to my creditworthiness.

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 2025-01-13 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: TX

Complaint narrative:
I am raising a formal complaint regarding XXXX, XXXX, and Experian for their repeated failure to address inaccuracies on my credit report. Despite submitting disputes multiple times, the errors remain uncorrected, showing a lack of compliance with legal requirements to ensure accurate reporting. 

FCRA 1681e ( b ) Violation : The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy in the information reported. The inaccurate information on my report demonstrates negligence in their verification processes.

FCRA 1681i ( a ) ( 1 ) ( A ) Violation : Despite my disputes, no meaningful reinvestigation has been conducted, and I have not been provided with any supporting documentation to validate the information in question.

FDCPA 807 ( 8 ) Violation : The collection account in question continues to report incorrect details, including an inflated balance, which is deceptive and harmful to my creditworthiness.

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 2025-01-13 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-13 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police ReportXXXX identity theft report ( XXXX  REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX / XXXX XXXX. XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX  report, hoping that you make a better decision in my situation, thank you

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX in XXXX I fell behind on credit card bills, I have - XXXX yr old child, I pay out of pocket for daycare $ XXXX monthly depending on the month Ive reached out via chat every month to try and get fees waived and lowered payments. The plans Discover offered were astronomical and would close your card. I did temporarily enroll in XXXX because I was desperate they were taking {$200.00} plus dollars from me on the scheduled day and then still reporting my payments late to the credit bureau and charging late fees and interest it was almost as if the payment was never made I could not do it anymore financially and I had to cancel the payments plans. Im literally drowning. I have had this card for a decent length of time and I know credit age is important. In the coming years I would like to purchase a house and this is going to mess me up. Even when I make the payment amounts to keep the card open, they would report my payments as late. Now I understand it wasnt the full payment amount but I physically spoke with their agents who scheduled the payments just for me to still get late payments added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
XXXX XXXX SSN : XXXX DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit report agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX around XX/XX/year> under the account number XXXX, a collection account opened at XXXX XXXX around XX/XX/year> under the account number XXXX, a secured loan open at XXXX around XX/XX/year> under the account number XXXX, and a XXXX mobile landline account under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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