vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I am very upset to see that unauthorized inquiries continue to show on my credit report. They were not removed when I refreshed my browser. I demand that the documents I sent be thoroughly examined immediately to prevent any further stress.

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 2025-12-24 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: TX

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! 


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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: MI

Complaint narrative:
I've asked this company who i have no relationship with to stop sending me spam texts. I filed a XXXX  complaint, XXXX responded with a vague answer claiming that he already responded. I never seen a response hence why, still after filing a complaint i was sent another scam text about credit. His response is : Dear there, Thank you for reaching out and sharing your concerns. We take these matters very seriously and appreciate the opportunity to address them. Upon reviewing your account, we can confirm that your request has been processed. We apologize for any distress our communications may have caused. We value your feedback and are committed to ensuring a satisfactory resolution. If there are any outstanding issues or further assistance we can provide, please do not hesitate to contact us directly. Sincerely, XXXX It's odd that he says they responded but there was no response to my intial complaint. I have screenshots shots the numerous spam texts sent to me by them. If there's an account in my name then this is something i need to know being that i myself have never engaged with them. REMOV3 MY INFORMATION AND STOP TEXTING MY PHONE WITH SPAM. I'VE NEVER DEALT WITH Y'ALL, XXXX XXXX LEAVE ME ALONE AND DON'T SEND BACK A SCRIPTED ROBOTIC RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IN

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AR

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I requested validation of the debt from Portfolio Recovery Associates LLC and did not receive any response. Now I see that the debt is being reported by XXXX companies and per FCRA regulations that is fraudulent accounting. Its shows XXXX XXXX XXXX  and Portfolio Recovery Associates LLC for the same amounts and debt which in accurate and needs to be removed immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I was approved for a XXXX XXXX XXXX XXXX XXXX XXXX The XXXX website promised a promotion with the card as promised on their website, which says ( verbatim ) : " Earn XXXX XXXX XXXX XXXX after first purchase within the first XXXX days of account opening. Spend {$3000.00} in purchases within the first XXXX days of account opening to keep XXXX XXXX XXXX for XXXX months ''. Reports from other people who got the same card said they received XXXX XXXX XXXX within XXXX day of making their first purchase, but it has been over XXXX days and I still do not have XXXX XXXX XXXX in my XXXX account. I have spent {$5800.00} on my card and I am still only shown as a basic " Member '' in my XXXX XXXX account rather than an XXXX XXXX member as promised. 

I called XXXX customer service on XX/XX/XXXX, and the customer service representative did not know about the promotion clearly stated on their website. I asked the representative to upgrade me manually to XXXX XXXX XXXX and they said they were not able to.

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 2025-12-24 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: CORELOGIC INC
State: NC

Complaint narrative:
ADDITIONAL XXXX XXXX XXXX  FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

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 2025-12-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This complaint concerns a materially deceptive consumer auto loan originated by USAA Federal Savings Bank and enforced through repossession despite unresolved misrepresentations and inconsistent loan documents. 

USAA approved, documented, and consummated a consumer loan using conflicting loan amounts, APRs, finance charges, and funding structures, depriving me of informed consent. Despite these defects, USAA repossessed the vehicle on XX/XX/year>, compounding consumer injury through enforcement of a tainted obligation. 

Key Facts XXXX. USAA represented approval of a loan up to {$82000.00} at 7.94 % APR, yet issued the approval letter after its stated expiration date, inducing reliance on a non-existent offer. 


XXXX. USAA required execution of a Nonnegotiable Promissory Note reflecting : Loan Amount : {$82000.00} APR : 8.1977 % Total of Payments : {$100000.00} XXXX. USAA subsequently altered the transaction through a Final Loan Terms Addendum, reducing the amount financed to {$71000.00}, changing the APR and finance charge, and redirecting proceeds to a dealerwithout explanation or reconciliation. 

XXXX. On XX/XX/year>, USAA repossessed the vehicle, enforcing a loan whose material terms were misleading, inconsistent, and never clearly disclosed. 

Consumer Harm Loss of informed consent Financial injury through enforcement of deceptive loan terms Deprivation of personal property via repossession Credit damage and loss of transportation Substantial injury not reasonably avoidable by the consumer Legal Basis USAAs conduct constitutes : Deceptive and unfair acts under 12 U.S.C. 5531 & 5536 Violations of the Texas Deceptive Trade PracticesConsumer Protection Act Unfair enforcement of a contract formed through deception

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I am formally disputing the following account as inaccurate, incomplete, and unverifiable : Creditor : AMERICAN CREDIT ACCEPTAN Account Type : Auto Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$2300.00} This account was closed on XX/XX/XXXX, yet it continues to report a balance and ongoing activity. Reporting a balance on a closed account without proper documentation is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am submitting this complaint regarding the alleged debt reported by Columbia Debt Recovery. This is my third complaint regarding this account. 
Despite my previous complaints and multiple written requests, Columbia Debt Recovery has refused to provide any documentation or verification showing how the balance they are reporting was calculated. The amount they are reporting includes interest that is not authorized by my lease agreement. 
My lease agreement and confirmation from the original property manager and their attorney confirm that the amount being reported is inaccurate. Columbia Debt Recovery continues to report this incorrect balance to credit reporting agencies, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I have previously requested : A copy of the original lease or contract showing my liability. 
An itemized statement of all amounts claimed, including interest and fees. 
Proof that Columbia Debt Recovery is authorized to collect and report this debt. 
Columbia Debt Recovery has REFUSED to provide any of these documents and continues to report the account inaccurately. 
I am requesting that Columbia Debt Recovery : Immediately REMOVE this account from all credit reports. 
Cease all collection activity until proper verification is provided. 
Provide written confirmation that the account has been deleted. 
Attached are supporting documents : Copy of my lease agreement showing no interest is owed Written confirmation from the property manager and their attorney confirming the correct balance Credit report showing the inaccurate amount reported Previous correspondence where Columbia Debt Recovery refused to provide verification Columbia Debt Recoverys continued failure to verify this debt and reporting of inaccurate information is causing harm to my credit and is unacceptable under federal law. All documents they have responded with previously on XX/XX/year> CONFIRMS my complaint and does NOT provide information on why they are reporting an inaccurate amount or validates the amount they are reporting. I request that the CFPB intervene to ensure the account is corrected or removed immediately.

Company response to consumer: Closed with explanation