vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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 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 non-monetary relief
Consumer complaint received 2025-12-18 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: CL Holdings LLC
State: IN

Complaint narrative:
A standalone statement does not establish : ( 1 ) that I owe the debt, ( 2 ) that your company has the legal right to collect it, or ( 3 ) that the amount you are demanding is accurate. This is a formal notice that your validation is deficient. To cure this deficiency, provide the following in writing : Identification of the current creditor/owner of the alleged debt ( legal name and address ) and the original creditor ( if different ). Proof of your authority to collect ( whether you are the owner or acting as an agent ), including documentation showing your relationship to the current creditor. Chain of title / assignment sufficient to show the alleged debt was transferred to the current owner ( at minimum, documents identifying the account and confirming the transfer ). Full itemization of the amount claimed, including principal, interest, fees, credits, and payments, and an explanation of the contractual or legal basis for any interest/fees. The date of default, date of last payment, and the date the balance was calculated ( as of date ). A record showing the alleged account is associated with me ( not just a generic statement ), such as the account identifiers and the consumer information you relied on to match it to me. Cease collection activity until proper validation is provided. Because you have not provided adequate validation, you are directed to cease collection efforts unless and until you provide the documentation above. This includes calls, letters demanding payment, and any continued collection pressure. Credit reporting notice If you are reporting or have reported this account to any consumer reporting agency, be advised that furnishing unverifiable or incomplete information after receiving notice of dispute may constitute inaccurate reporting. If you can not fully validate, you must request deletion or suppression of any tradeline you furnished. If you believe your one-statement mailing satisfies your obligations, state so explicitly and identify which documents you contend establish ( a ) ownership/authority, and ( b ) the accuracy and itemization of the amount demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tilt Finance, Inc.
State: AL

Complaint narrative:
Tilt Cash Advance withdrew the full payment for my cash advance from my bank account. After the withdrawal, the company told me the payment did not clear and said I still owed the same balance. My bank records show the payment was successful. The funds left my account.

I was approved for another advance once the current balance was paid. That approval was based on the understanding that the account was settled. Since Tilt Cash Advance already collected the payment, the balance should show XXXX and the approval should still stand. 

Customer service has not helped. I experienced multiple dropped calls. When I asked for a supervisor, the request was denied. No one provided an explanation or corrected my account. 

The company also told me I had two accounts. I have only one. I never opened or authorized a second account.

I am requesting a full refund of the money withdrawn. Tilt Cash Advance pulled the payment, then reported the balance as unpaid. I want written proof of the withdrawal, proof of this supposed second account, and a correction showing the account was paid. I am also requesting confirmation of my approval for the new advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off accounts are being reported on my TransUnion credit report, and I dispute their accuracy XXXX XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiries are listed on my TransUnion credit report, and I dispute their validity. I request that you verify permissible purpose for these inquiries, or remove them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 

Fraudulent Accounts to Be Blocked : Account Name : COLUMBIA DEBT RCVY Account Amount : {$260.00} Account Number : XXXXXXXX XXXX XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion. 

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and 3. Identification of fraudulent information. 

I have provided all required information. 

Demand I therefore demand that you : 1. Block and delete the fraudulent accounts and related information within 4 business days, 2. Provide me written confirmation of the deletion, and 3. Send an updated copy of my credit report once the block is complete. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Re : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am formally requesting that your agency block and delete all fraudulent accounts and inquiries that resulted from identity theft, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have included the required documentation to prove my identity and the identity theft, including : FTC Identity Theft Report Government-issued ID Social Security documentation Proof of address These documents meet the statutory requirements for processing an identity theft block under the FCRA. A police report is not required under federal law, and you must accept my FTC Identity Theft Report as sufficient documentation. 

Fraudulent Accounts to Be Blocked : Account Name : XXXXXXXX XXXX XXXX Account Amount : {$260.00} Account Number : XXXXXXXX XXXX XXXX These accounts were not opened or authorized by me, and I am requesting an immediate block and deletion. 

FCRA Compliance Requirement Under 15 U.S.C. 1681c-2 ( a ) and ( b ) your agency is required to block the reporting of this fraudulent information within 4 business days of receiving : 1. Proof of identity, 2. A valid identity theft report, and 3. Identification of fraudulent information. 

I have provided all required information. 

Demand I therefore demand that you : 1. Block and delete the fraudulent accounts and related information within 4 business days, 2. Provide me written confirmation of the deletion, and 3. Send an updated copy of my credit report once the block is complete. 

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention. Please send confirmation to the mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate reporting of the following charged-off account ( s ) on my credit report. Below, I have outlined the details for each bureau. 

Charge Off Accounts : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Again, this account is inaccurately marked as a charged-off account with a {$0.00} balance. I am requesting that it be corrected or removed from my report.

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 2025-12-18 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: TN

Complaint narrative:
The inquiries on my credit bureau are on XXXX XXXX, 5 different inquiries, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was supposed to be soft pulls on my bureau .I was rate shopping for a vehicle. The company 's pulled my credit without my permission. I reached out several times to correct this situation no resolve. Transunion and the other bureaus direct me to file a claim. Thank you!! The other account on my bureau is with XXXX XXXX XXXX XXXX is reporting inaccurate information, I have all my receipts showing that I wasn't late on my payments.I paid the account off in full but they are still reporting inaccurate information. I have gone to the XXXX office 4 times trying to get this matter resolved .. I waited for an hour each time, waiting for someone to talk to me about my account .. I will attach receipts and business cards of the people I have spoken with pertaining to my account!! I need this account corrected or removed from my bureau .. This negative reporting is causing me high interest rates and declines for employment!! Thanks for your help in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-18 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate reporting of the following charged-off account ( s ) on my credit report. Below, I have outlined the details for each bureau. 

Charge Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Similar to the information provided for XXXX this account is being reported incorrectly as charged-off with a {$0.00} balance. It should be updated or removed from my report accordingly.

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 2025-12-18 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which mandates the removal or blocking of information stemming from identity theft. 

The fraudulent accounts and inquiries that I am disputing are documented in my FTC affidavit, which legally requires you to remove these fraudulent accounts from my report immediately. 

My information was leaked in multiple data breaches, including the TransUnion data breach, the Social Security data breach, the XXXX  XXXX  data breach, the XXXX XXXX breach, and the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which mandates the removal or blocking of information stemming from identity theft. 

The fraudulent accounts and inquiries that I am disputing are documented in my FTC affidavit, which legally requires you to remove these fraudulent accounts from my report immediately. 

My information was leaked in multiple data breaches, including the TransUnion data breach, the Social Security data breach, the XXXX  XXXX  data breach, the XXXX XXXX breach, and the Equifax 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
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate information being reported on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$490.00} Issue Reported : Late Payment The above-referenced account is being reported with a late payment history. This information is incorrect. I have never made a late payment on this account. The payment history currently being reported does not accurately reflect my actual account activity. 

I previously disputed this inaccurate late payment directly with the credit reporting agencies and/or the furnisher ; however, the incorrect information continues to be reported without proper correction. This raises serious concerns regarding the accuracy and reasonableness of the investigation conducted. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), both credit reporting agencies and furnishers are required to : Report information accurately, and Conduct a reasonable reinvestigation when a consumer disputes information.

I am requesting that the CFPB review this matter and require the furnisher to : Conduct a proper and lawful reinvestigation, and Correct the inaccurate late payment history to reflect that no late payment occurred. 

I am not requesting deletion of this account. I am requesting correction of the inaccurate payment history so that my credit report accurately reflects my true account performance. 

Thank you for your assistance in ensuring compliance with federal credit reporting laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief