vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Genesis aka Columbia Debt Recovery LLC contacted me first on XXXX regarding debt owed to XXXX XXXX from XXXX This was the first time I'd ever been contacted. I was told I could not dispute the debt becuase my reasons weren't valid. After speaking with a lawyer, they recommended I mail a dispute letter that they helped me draft. I included in proof of unsafe housing. This included pictures and police reports from the time we resided there. I sent it certified mail. I know the package was recieved and signed for. I asked in the letter for them to confirm it was received, which never happened. Supposedly, the were going to report my debt at the end of XXXX. It still hasn't shown on my credit report. However, I am still receiving calls, texts and emails in XXXX. So is my husband. This debt is not valid. We left after multiple dangerous interactions on site and left the apartment in immaculate shape. I wish for all communication to stop, as I do believe they're just fishing now. XXXX is currently dealing with a Class Action Law Suit for unethical communication practices. The collector calling me calls himself " XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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  has violated my rights. 

EQUIFAX 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  has violated my rights. 

EXPERIAN 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 DOD XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
please help me remove the frauudelnt accounts that are frauudelntly reporting on my credit file. I am a victim of identity fraud XXXX these are accounts are showing up only credit profile XXXX  hurting me. please remove XXXX block these address that I am reporting XXXX 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 2025-05-08 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: IN

Complaint narrative:
I am writing to report that I have been the victim of identity theft and that my personal information was used without my authorization to fraudulently open auto loan accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were not initiated by me, and I did not authorize any applications or agreements with either of these companies. 



Currently, my credit report reflects that I owe {$7000.00} to XXXX XXXX XXXX and {$8300.00} to XXXX XXXX XXXX. These debts are the result of fraudulent activity carried out by individuals who illegally obtained my personal information, likely through a data breach. I have no knowledge of the vehicles or contracts associated with these loans. 



The presence of these fraudulent accounts on my credit profile is causing serious and unjust harm to my credit standing. I discovered the unauthorized accounts while reviewing my credit report and have since taken steps to address the issue, including placing fraud alerts, filing an identity theft report with the Federal Trade Commission ( FTC ), and submitting a police report to my local law enforcement agency. 



I am formally requesting that all auto loan accounts fraudulently opened in my name with XXXX XXXX XXXX and XXXX XXXX XXXX be thoroughly investigated and immediately removed from my credit file. These accounts do not belong to me and should not reflect on my credit history. 



Please confirm receipt of this statement and provide a timeline or process for resolving and removing the fraudulent 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 2025-05-08 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: PA

Complaint narrative:
I am filing this complaint due to the continued reporting of 8 separate DPT EDXXXX XXXX XXXX accounts on my EQUIFAX credit report. These accounts are reported as open and current, but I did not authorize DPT EDXXXX to handle these loans. I have no original signed promissory notes, and the original lender has not been disclosed or verified. 
DPT EDXXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
This violates : 15 USC 1681e ( b ) Maximum accuracy is not met due to inflated balances vs. original high credit.

15 USC 1681i ( 5 ) ( A ) Unverified and inaccurate info must be deleted, not updated.

15 USC 1681b No permissible purpose shown to report these student loans.

15 USC 1692e & 1692f Reporting multiple fragmented accounts is misleading and creates an artificially high debt load.

FERPA Educational records have been disclosed to and used by third parties without signed consent. There is evidence in the public domain confirming government overreach and misuse of student borrower records.

TILA I have never been provided disclosures by DPT EDXXXX nor given informed consent. 
I demand the immediate deletion of these XXXX DPT EDXXXX accounts from the EQUIFAX credit report. The servicer can not validate the origin or assignment of these debts, and the continued reporting is harming my financial standing without due process. 
If this matter is not resolved promptly, I reserve the right to escalate this with formal legal action under the aforementioned federal statutes. 
Delete all XXXX DPT EDXXXX accounts from EQUIFAX, immediately. Provide full investigation details and proof of permissible reporting and origin of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation XXXX transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX  XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX Date XX/XX/year> XXXX Date XX/XX/year> XXXX XXXX Date XX/XX/year> XXXX  XXXX XXXX Date XX/XX/year> XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX Date XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal dispute to address multiple instances of inaccurate and conflicting personal identifying information currently being reported by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This section of the FCRA mandates that credit reporting agencies maintain data that is accurate, complete, and up to date. The current information associated with my credit file fails to meet that legal standard. 

Only the following information is accurate and verifiable : My Full Legal Name is : XXXX XXXX XXXX XXXX XXXX of Birth is : XX/XX/year> My only Social Security Number is : XXXX My Current Address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX My only Employer is : XXXX Attached to this dispute are three official and verifiable documents : My Florida state-issued photo ID My Social Security card A recent utility bill verifying my residential address Each of the three credit bureaus has failed to maintain accurate personal identifiers on my file. They continue to report variations of my name, past or incorrect addresses, and potentially unverifiable or obsolete employment information. This kind of outdated, incorrect, or duplicated data introduces the risk of file fragmentation, identity mismatch, or even identity theft, all of which can lead to credit denials, increased interest rates, and reputational harm. 

The Federal Trade Commission ( FTC ) and numerous court rulings have reaffirmed that credit reporting agencies bear a legal obligation to investigate disputed data and correct or delete unverifiable or inaccurate information. The continued reporting of these false identifiers not only violates FCRA 1681i ( a ), which mandates timely reinvestigation and correction of disputed information, but may also expose the bureaus to civil liability under FCRA 1681n and 1681o for willful or negligent noncompliance.

If these inaccurate entries are not corrected and confirmed in writing within the required 30-day window, I am prepared to escalate this issue by filing supplemental complaints with the FTC, the State Attorney General, and pursuing legal action under FCRA liability statutes. This notice serves as both a formal dispute and demand for correction. 

Sincerely, 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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX XXXX XXXX appears to have switched credit card providers. 

1. They did not provide any notice in the mail or otherwise and did not provide a replacement card before deactivating my current card.

2. I am unable to access my card or make payments.

3. The branch refuses to assist, and the phones dont allow me through because I don't have a valid card number.

4. I can not make a payment online because they deactivated the portal.

5. I can not mail payment because they switched servicers and did not provide new mailing address.

4. It appears that they are deliberately preventing me from making payments in order to renege on the introductory interest and implement a penalty interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I was scammed with multiple payments to 2 email addresses over several months. 
PayPal refuses to acknowledge that there's an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
Breach of personal information and card issues with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX XXXX, I looked at my credit report, and noticed some inaccuracies. I sent a letter to XXXX XXXX Equifax asking them to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent letters certified mail & they did the investigation they sent back the information & said the accounts was verified. And according to the 15 USC 1681i ( 5 ) i see it states after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and has violated my rights. I sent a report back on XXXX XXXX & I still haven't seen a change. I need this account deleted because it's not fair that a car company can report something false on your credit report & get away with it. I'm done trying make things right with this company. I need it deleted within XXXX or next step is contacting my lawyers & also Adress does not match will also provide License. Resolution : Please update and delete these accounts XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting multiple accounts on my credit report with inaccurate, incomplete, and unverifiable derogatory information. Despite prior disputes, they have failed to correct or delete this information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. The items in question contain serious delinquencies or charge-offs that can not be verified with complete and accurate documentation, as required by law. 

Experian failed to provide verification or documentation for the following accounts after my dispute, and continued reporting them : XXXX XXXX Account # XXXX Reports 30, 60, 90-day late payments Violations : FCRA 609 ( a ) ( 1 ), 611 ( a ), 623 ( b ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Reports 30 and 60-day late payments Violations : FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( A ) XXXX XXXX  Account # XXXX Reports 4 delinquencies up to 120 days, account closed in XXXX Violations : FCRA 623 ( b ), 611 XXXX Account # XXXX Reports XXXX late payments before closure in XXXX Violations : FCRA 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ) XXXX XXXX Account # XXXX Charged off and reporting 55 derogatory months Violations : FCRA 605 ( a ) ( 5 ), 611 ( a ) ( 5 ) Experian has not met its statutory obligations to properly investigate and remove these items under FCRA 611, nor have they provided the method of verification or documentation required by FCRA 611 ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My TransUnion credit report contains multiple inaccuracies related to collection and charge-off accounts that have caused immense financial strain and emotional distress. The XXXX XXXX  account ( XXXX XXXX XXXX * * ) from XX/XX/XXXX shows a balance of {$7100.00}, which is incorrect and unvalidated. Similarly, the XXXX account ( XXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX reflects a {$0.00} balance yet is inaccurately listed as a charge-off. The PERSONIFY account ( XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX, the XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) from XX/XX/XXXX, and the XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX all show {$0.00} balances but are still being reported as negative items, which is both misleading and harmful to my financial profile. Additionally, the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) from XX/XX/XXXX shows a substantial balance of {$6600.00}, and the XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX  ) from XX/XX/XXXX is also incorrectly listed as a charge-off with a {$0.00} balance. The XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) from XX/XX/XXXX and the XXXX account ( XXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX reflect {$0.00} and {$1900.00} balances, respectively, yet these inaccuracies remain. These errors are not just a minor oversight ; they are a significant breach of my financial privacy and security, potentially stemming from a data breach that has put my sensitive information at risk. Such misreporting violates 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), which clearly outline the responsibility of credit bureaus to report accurate 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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bepensa Capital, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXXXXXX XXXX  XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX Financing was arranged through FinBe USA. 

Several serious issues occurred : - The dealership falsely reported a {$7000.00} down payment to the lender, when I only paid {$1500.00} in cash. I was told the remaining amount would be covered through my monthly payments, which was not true. 
- I was informed by the dealership that the number submitted with my application was an internal number for the loan ( believed to be an ITIN ), but I later discovered FinBe processed it as a Social Security Number. I never authorized that. 
- I was given possession of the vehicle before the financing was finalized and was not provided a copy of the signed retail installment contract until months later. 
- The loan carries an extremely high APR of 21.95 % over XXXX months, resulting in a total repayment of over {$31000.00} for a {$21000.00} vehicle. 
- XXXX insurance was added to the loan for {$890.00} without my consent or proper explanation. 

I raised these concerns in writing to FinBe in XXXX and again in XXXX. Their response did not address the misrepresentation or the unauthorized use of my identifying number. I have now filed this complaint due to the lack of resolution and because I believe the loan was originated under fraudulent conditions.

Company response to consumer: Closed with explanation