vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XX/XX/XXXX- Responded to XXXX XXXX, FL letter of rent renewal and increase, stating the increase was out of line and requested no increase, Stated if this was not possible then consider this as my 60 Day notice to vacate and terminate the lease. XXXX was set to expire on XX/XX/XXXX. Plenty of notice. 

XX/XX/XXXX - ( beginning of XXXX lockdown ) hand delivered to office at XXXX XXXX XXXX XXXX Notice of intent to terminate lease and vacate the property at the end of the lease XX/XX/XXXX. 

Recieved no response on either of these notifications. 

XX/XX/XXXX- XXXX deliverd notice to above office location requesting refund of all applicable deposits and final notice of any defects which would affect the refund. No reponse. Was asked to leave the keys and garage door openers on the kitchen counter and to leave the front door unlock. We complied. 

Never recieved a copy of final walk through which was requested. At the end of the legal period in Florida for notification of the refund status, hand delivered request for refund. No response. Followed up 30 days later. No response. 

Never recieved a notice of any monies owed or due to XXXX, nor did I recieve an explanation as to why the refund was not returned. 

In XXXX of XXXX recieved a collection notice from Columbia Debt Recovery LLC, dba Genesis, XXXX. XXXX XXXX XXXX, WA XXXX, via email, that I owed {$2100.00}. I responed within the legal time frame requesting the above information. Genesis did not supply the requested information.

Genesis continues to add interest and does not communcate in the manner requested which by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD Bank USA/TargeXXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX$370.00} ) Cease and Desist Request I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NC

Complaint narrative:
DEPT of ED/Nelnet XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Amount owed {$7400.00} Cease and Desist Request Regarding Account Number XXXX. I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In XXXX, I served with a lawsuit from Portfolio Recovery Associates, due to my ignorance of the scope of the Legalities of Debt collection. I took Portfolio Recovery Associates for their word and entered a settlement with them. 
XXXX I was notified of the then violation brought to Portfolio Recovery Associates from CFPB for Illegal Debt Recovery Practices. 
Open my own personal research of the Company and inform myself with the CFPB. I've learned that there were several steps I should've taken before entering a settlement with Portfolio Recovery Associates. I should've asked for a debt validation letter. To ensure that I wasn't one of the many people Portfolio Recovery Associates were accused of using illegal recovery practices. 
In XXXX, I asked Portfolio Recovery Associates for these documents of proof and instead was met with a request for judgment against me filed in XX/XX/XXXX. 
As of today, Portfolio Recovery Associates claims that I owe them {$510.00} of {$1200.00} to which I paid {$750.00}. 
I request the formal proof of debt validation letter from Portfolio Recovery Associates, before any future payments. Due to their history, I'm inclined to believe I've been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am disputing multiple late payment notations that are inaccurately reported on my credit reports by the three major credit XXXX XXXX, and TransUnion. The accounts listed below either reflect a {$0.00} past due balance or are fully closed and paid, yet they continue to show derogatory payment history without verification or valid documentation : XXXX XXXX - XXXX - XX/XX/XXXX - This account shows a past due balance of {$0.00}, yet it is still flagged with a negative payment history. No documentation has ever been provided to confirm the validity of this late payment, and there is no permissible justification for reporting derogatory marks on an account that is no longer past due. 

XXXX XXXX XXXX - XXXX - This account is closed, paid in full, and reflects a XXXX balance. However, it is still reporting a late payment history without any supporting evidence from the furnisher or the credit bureaus. This constitutes negligent and harmful reporting. 

XXXX - XXXX - XX/XX/XXXX - Despite being fully paid and closed with a XXXX balance, this account continues to reflect a negative payment history. No valid or verified documentation has been provided by the data furnisher to substantiate this reporting. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - This account was closed and paid with a XXXX balance, yet it still includes harmful late payment notations. The bureaus have failed to verify this item or remove it as required under FCRA XXXX. 

XXXX XXXX  - XXXX - XX/XX/XXXX - This account is closed and shows a XXXX balance, yet continues to report derogatory late payments without verifiable evidence. This is causing undue harm to my credit profile and misrepresents the true status of the account. 

These inaccurate late payment notations are misleading, unverified, and continue to damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), particularly sections 1681e ( b ) and 1681i ( a ), credit reporting agencies are required to ensure maximum accuracy and conduct timely and thorough reinvestigations when a dispute is submitted. They have failed to do so.

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 2025-06-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
Hello I was scammed through a Chime prepaid Visa debit card issued by XXXX XXXX XXXX  I authorized a {$50.00} transaction based on a false promise of a {$2000.00} in return. I believe this was fraud and would like to dispute the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
Summary for CFPB Complaint : I am submitting this complaint regarding inaccurate and unverifiable negative items that remain on my credit reports with Equifax, Experian, and TransUnion. I previously sent formal dispute letters to each bureau requesting investigation and removal of these accounts due to issues such as incorrect balances, lack of proof of ownership, and questions about the validity of the debt.

Despite providing them sufficient time under the Fair Credit Reporting Act ( FCRA ), the credit bureaus failed to provide adequate documentation or verification from the original creditors, and they did not remove the disputed items from my credit report. This lack of response and failure to conduct a proper investigation is in violation of my rights under federal law. 

I am requesting the CFPB to intervene by contacting the credit bureaus and requiring them to either provide proper validation or permanently remove these unverifiable and inaccurate items from my credit reports. 

Thank you for your assistance.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Summary for CFPB Complaint : I am submitting this complaint regarding inaccurate and unverifiable negative items that remain on my credit reports with Equifax, Experian, and TransUnion. I previously sent formal dispute letters to each bureau requesting investigation and removal of these accounts due to issues such as incorrect balances, lack of proof of ownership, and questions about the validity of the debt.

Despite providing them sufficient time under the Fair Credit Reporting Act ( FCRA ), the credit bureaus failed to provide adequate documentation or verification from the original creditors, and they did not remove the disputed items from my credit report. This lack of response and failure to conduct a proper investigation is in violation of my rights under federal law. 

I am requesting the CFPB to intervene by contacting the credit bureaus and requiring them to either provide proper validation or permanently remove these unverifiable and inaccurate items from my credit reports. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-06-20 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: AZ

Complaint narrative:
I am filing this complaint because all three major credit bureausXXXX XXXX and TransUnionare currently reporting a late payment from XXXX XXXX ( Account Number : XXXX ) with a delinquency date of XX/XX/year>. This account is inaccurately reflecting a derogatory payment history that does not align with my actual payment behavior or account history, and no supporting documentation has been provided to validate this reporting. 

I have attempted to dispute this late payment directly with the credit bureaus and with XXXX, yet no legally sufficient documentation has been returned to demonstrate that this alleged late payment was valid or properly communicated in compliance with federal law. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, once a consumer submits a dispute under 15 U.S.C. 1681i, the bureaus are legally required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and verifiable. To date, this obligation has not been fulfilled. 

The continued reporting of this late payment, without substantiation or original creditor verification, is materially misleading. It causes damage to my credit score, affects lending decisions, and misrepresents my payment reliability to creditors and financial institutions. I should not be penalized for a record that is both unverified and disputed in good faith.

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 2025-06-20 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: TX

Complaint narrative:
I am responding to XXXX notice that the XXXX XXXX account remains after their reinvestigation. 

This account is tied to a court case XXXX in XXXX XXXX XXXX TX which was dismissed without prejudice on XX/XX/year>. I provided the court dismissal order as evidence multiple times, including during a supervisor-level phone call on XX/XX/year>. 

Experian is reporting the furnisher verified the account, but this ignores the official court record, which proves there is no judgment or legal debt. This failure to consider verified documentation violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

I am now requesting full deletion of the account and asking the CFPB to ensure Experian conducts a reasonable investigation, as required by law. If this is not resolved promptly, I will escalate to the Texas Attorney Generals Office and consider legal action under the FCRA.

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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I used Paypal for an online purchase of a product on XX/XX/year>, for {$63.00}, from the company XXXX XXXX. 

The product did not work, was totally defective. I contacted seller multiple times, and just got a automated replies how to fix it. I then went thru Paypal, and asked seller to return it with a pre-paid return label, as I didn't think it should cost me to send the item back out of the Country. The company just sent more automated replies. Also, the company was giving conflicting information and the return addresses. 

I then opened a formal Paypal Dispute. After XXXX days I called to check on it, and nothing had been updated. I explained that I would return it, but what I wanted was a pre-paid return label. The rep said he'd make notes about that, and for me to wait to hear back from Paypal as they worked with the seller to get a pre-paid label for a return/refund. 

Then a week later I got a notice that the case was closed as I had " not provided a tracking # ''. I called Paypal back, and said I was told to wait to hear back on the pre-paid shipping label. The rep apologized, and opened an Appeal. 

After a week went by, on XX/XX/year>, I checked online with Paypal, and it showed no updates. I did also upload XXXX pics of the screenshots sent by the seller with conflicting return info and addresses. 

Then today I got a notice the Appeal was denied, because I " didn't provide tracking ''. 

Paypal is saying XXXX thing, but doing another. They are not honoring their Purchase Protection policy. I trusted them and sued them to pay for this product, and they are not even aware apparently, of the actual reason I filed a Dispute in the first place. Their website says " If there's an issue, we'll help get it resolved. On average, claims are settled in 14 days ... '' I called once again today, and after a XXXX min wait, again asked to speak to a supervisor. After a long wait, I was told XXXX was not available. They took my number and said a spvsr would call me. I have yet to get a callback from Paypal. 

I have had a Paypal acct for decades, and they have made much $ from my transactions. 
They need to put someone senior on this issue and resolve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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: DE

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief