vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-09-02 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:
he account listed as XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX is reporting inaccurately on my credit file. It shows a current balance of {$4900.00} but only a highest balance of {$3000.00}, which is contradictory and misleading. By definition, the reported balance can not exceed the highest balance. 

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ), which requires furnishers and credit bureaus to maintain maximum possible accuracy and delete unverifiable or inaccurate 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The account listed as XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting inaccurately on my credit file. It shows a current balance of {$2200.00} but only a highest balance of {$1700.00}, which is contradictory and impossible. By definition, the current balance can not exceed the highest balance. 

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ), which requires credit information to be accurate and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
The account listed as XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting inaccurately on my credit file. It shows a current balance of {$2200.00} but only a highest balance of {$1700.00}, which is contradictory and impossible. By definition, the current balance can not exceed the highest balance. 

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ), which requires credit information to be accurate and not misleading.

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 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
According to the Fair Debt Collection Practices Act, the debt collector is required to provide the original creditor information. This was not provided. On XX/XX/2025, a letter was sent to vacate an order. It was requested that the original contract be provided. only credit card statement were provided. A judgment was entered, and my account was levied. I was not notified of the court date or provided with a letter of notification. I want to know who own the debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Provided management with written notice of our intention to vacate in XX/XX/scrub> 2024 due to safety concerns at that time, and then the XXXX came after, along with a copy of the XXXX orders. Significant safety concerns that made the property uninhabitable were submitted in writing following a shooting and an attempted armed carjacking within the property. We submitted formal complaints, police reports, and photographic evidence of security issues. As these conditions were not addressed, we were forced to vacate under what Texas law and your lease ( Clause 15.4 ) recognize as constructive eviction. 
Clause 7.3 of your lease acknowledges early termination in cases of XXXX or transfer. These protections apply to military and federally assigned personnel acting under official government orders. I request that your office immediately reverse all charges, recall the collection account, and formally acknowledge lease termination as valid and justified under the law and the lease agreement. I have brought up the same concern to XXXX XXXX XXXX since XX/XX/year>2024, with no response or resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am writing to formally dispute an unauthorized or inaccurate credit inquiry that appears on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681b ( c ), I am requesting a reinvestigation and prompt removal of this inquiry, as it was not initiated or authorized by me. 
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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 non-monetary relief
Consumer complaint received 2025-09-02 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: NH

Complaint narrative:
I request removal of this closed account and all hard inquiries that i had no knowledge of here are the inquiries XXXX XXXXXXXX XXXX2025, XXXX XXXX XXXX XXXX XXXX XXXX2025. as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ) and FCRA Section 623. please remover all misleading and incorrect information and fraudulent inquiries from my credit report. 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 2025-09-02 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: TX

Complaint narrative:
Ive recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARVANT FINANCIAL LLC
State: CT

Complaint narrative:
Someone use my information with Carvant Financial LLC under false presence to optain auto loan as a joint owner or cosigner, I am asking Carvant to uphold their statuary obligation towards accuracy and fairness according to the FCRA and provide me every information they use to verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I obtained a loan through Affirm in the amount of {$11000.00} to pay for several bounce houses advertised and sold to me as new. 

Upon receipt, it became immediately clear that the items were used, aged, and unacceptable. Manufacturer tags confirmed that they were over XXXX years old, and the overall condition was inconsistent with what was advertised. These items were not as described at the time of sale, and therefore fall under misrepresentation and failure to deliver goods as contracted. 

I immediately reached out to the seller to request a return and refund, but they refused to accept responsibility and declined to process a return. I then filed a dispute with Affirm, providing detailed documentation including : Photos of the bounce houses showing significant wear, dirt, and prior use. 
Manufacturer tags proving the units were several years old, contrary to the representation of new. 
Copies of my communication with the seller where they refused to resolve the issue. 

Despite this clear evidence, Affirm closed the dispute in the sellers favor and continues to hold me financially liable for merchandise that was misrepresented and is unusable for its intended purpose. 

This situation has left me with a substantial loan balance for defective and misrepresented goods. Affirms refusal to properly evaluate the evidence and protect consumers is unacceptable and places an undue burden on me * * I have opened this dispute back up several times I respectfully request that Affirm be compelled to : 1. Cancel or reverse the {$11000.00} loan, given that the goods provided were not as described and the seller failed to honor their obligations.

2. Conduct a proper review of the documentation I submitted.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
I have discovered several unauthorized hard inquiries on my credit report from Equifax. These inquiries were made without my knowledge, permission, or any interaction with the respective lenders.

These hard inquires : 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 

I suspect this may be the result of fraudulent activity, such as an attempt to open credit in my name by a third party. These unauthorized inquiries are unlawfully damaging my credit history and lowering my credit scores, which directly impacts my financial opportunities and the terms of any credit I might receive.

I have already attempted to resolve this issue directly with Equifax by disputing these inquiries through their online portal. However, Equifax ignored my claim/refused to remove the inquiries without conducting a proper investigation or providing proof of their legitimacy.

Under my rights under the FCRA ( Fair Credit Reporting Act ), I demand that Equifax conduct a full and fair investigation into the origin of these inquiries. Since I did not provide permission for them, they must be immediately deleted from my credit report to restore its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy 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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting an account for XXXX  XXXX ( Acct ending XXXX ) with a " Date Opened '' of XX/XX/XXXX. 

This is inaccurate and misleading. My XXXX  XXXX billing statement for the period XX/XX/XXXX XX/XX/XXXX proves the account was active in XXXX. The Date of First Delinquency must reflect when the account first became delinquent with XXXX XXXX, not when PRA purchased or began reporting it. 

I previously disputed this account with XXXX  ( and other credit bureaus as applicable ), and PRA responded by providing billing statements yet the credit bureau continued to verify the account without correcting the inaccurate date. 

I am requesting that PRA, XXXX XXXX XXXX XXXX coordinate to verify the correct date with the original creditor and update my credit reports accordingly. If the correct date can not be verified, the account must be permanently deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX ( Order # XXXX, {$4900.00} ) using my Revolut card. 

XXXX tracking XXXX shows the shipment was refused at delivery on XX/XX/year> ( I was out of town ; a family member declined the package ) and then repeatedly marked Returned to Sender on XX/XX/XXXX and XX/XX/year>. XXXX subsequently confirmed the return was delivered back to the sender on XX/XX/year>. The merchandise was never delivered to me.

Despite this objective carrier history, Revolut denied my dispute. Revoluts notice states ( verbatim ) : After careful investigation of the dispute request, your claim has been declined. 
We reached out to the merchant for their response to the dispute. 
They provided documentation showing the goods related to the transaction were provided. 
Unfortunately, that means we can no longer pursue the claim. 
So, we won't be able to refund your transaction or assist further in the dispute. 

This determination is incorrect. Carrier records document non-delivery and return-to-sender, not fulfillment to me. On XX/XX/year>, the marketplaces support agent approved an appeal and processed a refund of {$4900.00} back to my Revolut card ( 35 business days ). No credit ever posted. 

I believe Revolut failed to conduct a fair review of the transaction dispute and ignored definitive documentation ( XXXX Returned-to-Sender scans, sellers 57 day return-processing note, and the marketplaces refund approval on XXXX ). I am requesting CFPB assistance. 

Whether governed by Regulation E ( 12 C.F.R. 1005.11 ) for debit/EFT transactions or by card-network chargeback rules, Revolut was obligated to conduct a reasonable, good-faith investigation of the evidence and issue a corrective credit where appropriate. Simply accepting a merchants assertion of goods provided in the face of XXXX scans and refund confirmation is not a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-09-02 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: FL

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

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im a victim of identity theft someone opened a Wells Fargo credit card in my name without my knowledge of the account

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