vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
On XX/XX/2025, I mailed a written dispute and request for validation to RentDebt Automated Collections ( RDAC ) via USPS Certified Mail ( Tracking # XXXX ). Their letter stated that I had until XX/XX/2025 to dispute the debt. USPS tracking confirms my dispute was mailed before the deadline and was delayed only due to USPS transit issues. 
Under FDCPA 809 ( b ), a dispute is considered timely based on the date it is mailed, not the date received. Despite my timely dispute, RDAC continued collection activity and reported the debt to the credit bureaus while my dispute was still pending. They also failed to mark the debt as disputed, which violates FCRA 1681s-2 ( a ) ( 3 ). 
RDAC has not provided any validation of the debt, itemization, lease documentation, or the legally-required Georgia move-out documentation under O.C.G.A. 44-7-33. Reporting this debt without first validating it and during an active dispute constitutes unlawful furnishing and continued collection activity. 
I am requesting CFPB assistance because the company furnished inaccurate and incomplete information to the credit bureaus in violation of the FDCPA, FCRA, and Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: OH

Complaint narrative:
I am submitting this complaint regarding the following inaccurate and incomplete information appearing on my credit report from the major credit bureaus. I request a thorough investigation and correction of the listed accounts that are either inaccurately reported or have discrepancies that do not comply with FCRA and Metro 2 standards. Please find the details below. 

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

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 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank retire money from my account without my authorization. I contacted customer service multiple times, but the bank refused to return my money. I requested a dispute and a Regulation E provisional credit, but they still did not resolve the issue. I need the Consumer Financial Protection Bureau to investigate and require the bank to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
I am filing a complaint regarding my American Express credit card account XXXX. 

Account Closure and Transfer Without Notice : My account was closed and transferred to a third-party collections agency. I was NEVER notified that this would happen. Amex has stated that my account is now out of their hands. I did not receive any written notice of the transfer, which I understand is required under standard credit and debt reporting regulations. 

Miscommunication About Payments : Prior to the account being closed, I went to use my card in XX/XX/XXXXXXXX   at a gas station where I had been making the minimum payments and had roughly {$8000.00} left of credit of my XXXX credit limit. I was sent an email from Amex that my minimum payments were not sufficient and that I needed to pay approximately {$20000.00} for them to open the card or it would remain unusable, which was never stated in the agreement. I have been with Amex for 5 years with no issues, I have 4 other credit cards that show no late payments and no negative reporting. Even though I had available credit and was making minimum payments on time toward the account they still shut it off trying to bully me into paying them $ XXXX to reopen the card for use. This conflicting information prevented me from resolving the account properly. I was left stranded in a small town outside of XXXX with no money, no gas and I lost the job due to not being able to arrive on time. 

Inaccurate Credit Reporting : The account closure and reported late payments of 3 months have resulted in an almost XXXX drop in my credit score. This reporting is misleading and does not accurately reflect my payment history or my attempts to communicate with Amex to resolve the account. 

Request for Resolution : I request that the CFPB investigate the following with American Express : Removal or correction of the reported late payments resulting from this miscommunication Correction of the account status from closed by creditor to closed at consumers request, if applicable Verification of whether proper notice was provided regarding account closure and transfer to collections of which I was never notified and Amex claims it is out of their hands. 

This situation has caused significant harm to my credit profile and was a result of Amexs miscommunication and failure to properly notify me, not due to negligence on my part.

Thank you for your assistance in investigating and resolving this matter. 

Consumer Contact Info : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC ( PRA ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) related to an alleged debt that PRA claims I owe. 

XXXX. PRA Refuses to Provide Proper Debt Validation I formally requested debt validation under FDCPA 15 U.S.C. 1692g ( b ). PRA responded only with billing statements and usage history, which do not meet legal validation requirements. They have not provided : signed contract or application, original creditor agreement with my signature, chain of assignment, bill of sale, or any documents showing PRA has standing to collect. 

XXXX. PRA Has Not Provided Chain of Title / Ownership Documents PRA refuses to provide required proof of ownership, chain of custody, or assignment from the original creditor. 

XXXX. PRA Is Continuing Collection Activity Without Validation Despite failing to provide proper validation, PRA continues reporting to credit bureaus and attempting collection, violating FDCPA 1692g ( b ). 

XXXX. Inaccurate Credit Bureau Reporting Since PRA can not prove they own or have the legal right to collect this alleged debt, any reporting to the credit bureaus may constitute violations of FCRA 1681s-2 ( a ) and 1681s-2 ( b ). 

XXXX. Relief Requested I request the CFPB compel PRA to produce full validation, cease all collection activity until validation is provided, remove all credit reporting if they can not validate ownership, and investigate PRAs violations.

Summary : PRA has failed to validate the debt, failed to prove ownership, continued collection activity illegally, and reported potentially inaccurate information. I request the CFPBs assistance in resolving these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am disputing an apartment debt and civil judgment being reported and collected by Hunter Warfield on behalf of XXXX XXXX XXXX XXXX. The balance being reported is inaccurate, inflated, and based on incorrect accounting records. 

I obtained two different ledgers : ( 1 ) the original system-generated ledger from the apartment ( 2 ) a handwritten, reconstructed ledger used by Hunter Warfield . 

These ledgers do not match. The original ledger shows : Rent was paid through XX/XX/year> All months from XXXX XXXX XXXX show {$0.00} balances A credit of {$3400.00} in XXXX ( meaning I was ahead, not behind ) A posted {$1600.00} rent payment for XXXX that is not shown in the collection ledger A documented {$1100.00} credit in XXXX A {$1000.00} money order paid to XXXX XXXX ( proof attached ) A {$5700.00} write-off applied by the apartment, which was never disclosed to the court or me No missing rent or carried balances until the property transferred the account to collections However, the ledger used by Hunter Warfield : Removes all Cash Received entries Removes credits applied by the apartment Includes handwritten changes by property staff Rebuilds the balance from scratch in a way that is mathematically incorrect Conflicts with the apartments official accounting system Shows inflated charges and incorrect beginning balances Includes utilities and fees after my move-out date Shows rent amounts inconsistent with the original ledger Additionally, I have email correspondence with the former property manager showing : My submitted payments were misplaced or not properly posted She acknowledged missing money orders and stated she contacted corporate Corporate refused to adjust the ledger despite receiving proof This resulted in ledger errors that were never corrected Hunter Warfield has admitted in writing that because of the age of the debt, they can not sue me, which indicates they do not have proper documentation or validation. 

I am requesting the CFPB to : Investigate the inconsistencies between the two ledgers Require the furnisher to provide accurate documentation or delete the tradeline Correct or remove the judgment-related reporting Stop reporting inaccurate balances Ensure compliance with FDCPA and FCRA validation requirements I have attached : The original ledger from XXXX XXXX The handwritten/reconstructed ledger used by collections Email correspondence with management Proof of money orders and payments Ledger discrepancy analysis Screenshots and documentation showing accounting errors This account is inaccurate, misleading, and unsupported by proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MD

Complaint narrative:
I am an active-duty servicemember filing a complaint regarding Tower Loans failure to apply Servicemembers Civil Relief Act ( SCRA ) protections to a preservice loan. The original loan amount was {$600.00}, and the interest rate was approximately XXXX percent. I have paid a total of {$560.00} toward this loan, yet Tower Loan is still attempting to collect approximately {$1400.00} as the amount required to settle the account. 

This debt was incurred before I entered XXXX XXXX, which qualifies it for SCRA protections. Under 50 U.S.C. 3937, the interest rate on a preservice loan must be reduced to XXXX percent retroactively. This requires the creditor to remove all interest above XXXX percent, remove fees tied to excess interest, recalculate the balance using the corrected rate, and update credit reporting. 

Each time I have contacted Tower Loan about applying SCRA protections, my requests have been dismissed or ignored. I am either told that applying SCRA wont help, that the account is charged off, or that it will be forwarded to an attorney, but I never receive any follow-up or written information. The balance they are reporting and attempting to collect is significantly inflated due to interest and fees that exceed the legal limit allowed for service members. 

Because Tower Loan has not applied the required XXXX percent interest rate, has not recalculated the balance, and has not validated how the amount they are requesting is accurate or lawful, the information reported to the credit bureaus is inaccurate under the Fair Credit Reporting Act. 

I am requesting that the CFPB require Tower Loan to apply the SCRA interest rate reduction, recalculate the balance based on the corrected rate, remove all excess interest and related fees, update the credit bureaus, and provide an accurate and lawful balance owed. I am also requesting that they provide this itemized document from the previous loan account as well as the updated and corrected documentation of this account. 

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 2025-11-27 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I am writing as a consumer to dispute the accuracy of the following accounts reported on my credit file. I request that Equifax investigate and correct any inaccuracies or outdated information under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : Arkansas XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$1100.00} XXXX XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$1200.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX Late Payment : XXXX XXXX  XXXX, Account # XXXX I dispute the accuracy of these entries and request that Equifax validate the information with the original creditors. If verification can not be provided, I request that the information be removed from my credit report. 

Please provide written confirmation of your findings and any updates made to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-27 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: CA

Complaint narrative:
I have no ownership of these accounts ; please ensure their removal within 15 days under USC 1681g.

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 2025-11-27 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: UT

Complaint narrative:
I am disputing several items on my credit report that I believe are inaccurate or incomplete. Below are the details of the accounts in dispute, separated by credit bureau : CHARGED OFF XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-11-27 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: CT

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report, which I believe are inaccurate or require further investigation. The details are as follows : Inquiries : XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXXXXXX 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> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> Late Payments : DEPT OF EDUCATION/XXXX Account Number : XXXX DEPT OF EDUCATION/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : 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 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: RANLife, Inc.
State: UT

Complaint narrative:
I closed on a mortgage loan in XX/XX/year> with RANlife, and went on XXXX XXXX military orders on XXXX XX/XX/year>. I requested SCRA protection benefits to include interest rate reduction but was denied protection because I was on orders at the time of the loan. I contend that although I was on orders, the new set of orders that began on XXXX XXXX are a new period of eligibility because it is a new period of XXXX XXXX service. I have sent both sets of orders and spoken to a bank representative several times, but have been denied twice.

Company response to consumer: Closed with explanation