vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I signed a lease with XXXX XXXX at XXXX XXXX, managed by XXXX XXXX, in XXXX, XXXX My lease was signed on XX/XX/XXXX, with a move-in date of XX/XX/XXXX. I paid approximately {$3200.00} upfront in money orders for prorated XXXX rent, full XXXX rent, pet fees, and deposits. I still have all receipts for these payments totaling {$3200.00}. 

Upon move-in, the apartment was filthy, damaged, and uninhabitable. Multiple fixtures were broken, including cracked toilets, cracked sinks, and non-working lights. The showers had visible mildew and black buildup, and the carpet smelled awful, with stains and heavy odor throughout. It was clear the carpet had never been replaced or cleaned. When I complained, management told me to just put a rug over it and use a bath mat in the shower, insisting I should be satisfied because it was their most expensive unit. 

They promised cleaners would arrive immediately but no one ever came. After a full week without resolution, and upon seeing multiple XXXX  and XXXX reviews from other tenants describing identical experiences, I realized this was an ongoing issue. On XX/XX/XXXX, I signed an Intent to Vacate form and I actually never moved into the unit. 

Management told me I would be refunded for the pet rent and pet fees I had already paid. I later followed up by phone, and they confirmed they had mailed a check to my forwarding address but I never received any refund. During that same call, they also confirmed that the unit had already been re-rented, which means the property did not lose rental income. 

I was very clear with them that they could contact me if any balance remained they had my email, my phone number, and my husbands phone number. I was never once contacted about owing any balance. 

Now, in XX/XX/XXXX, more than two years later, I was contacted by RentDebt Automated Collections ( RDAC ) claiming I owe a {$440.00} reletting fee. This is completely false and baseless. I paid for XXXX in full, left due to uninhabitable conditions, and they re-rented the unit immediately. 

I have photos, lease records, communication history, and money order receipts supporting this. I am requesting that the CFPB investigate XXXX XXXX, XXXX XXXX at XXXX XXXX, and RDAC for deceptive, retaliatory, and unfair practices, and that all collection activity cease until this alleged debt is fully validated under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
In XX/XX/XXXX, I attended a XXXX XXXX XXXX  ( formerly XXXX XXXX ) timeshare presentation at the XXXX XXXX XXXX in XXXX. The sales team served alcohol and pressured me to sign while under the influence. They also instructed me and the co-purchaser to say we were married to qualify for the offer, which was false. 

I disputed the resulting account with Experian, XXXX, and XXXX  by certified mail, requesting verification of any valid documentation. On XX/XX/XXXX, XXXX XXXX XXXX  responded by sending a copy of a promissory note with my signature but did not address the misrepresentation or my impairment during signing. Experian then reported that the company certified the information as accurate. 

Afterward, XXXX XXXX XXXX confirmed by email that I have no active account with them. Despite that written confirmation, they continue to report a delinquent balance to Experian. This is inconsistent and inaccurate. 

I am requesting that the CFPB investigate XXXX XXXX XXXX reporting and verification process under the Fair Credit Reporting Act. The companys documentation does not show that I knowingly or voluntarily entered the contract, and it contradicts their own admission that no active account exists.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NC

Complaint narrative:
Subject : Complaint Regarding Unresolved Damage Claim XXXXXXXX XXXX at XXXX, GA XXXX I am submitting a complaint regarding a rental experience with XXXX at the XXXX, GA XXXX on XX/XX/year>, and the unresolved billing dispute that followed. 
Upon arrival, I was informed by the counter representative that the only available vehicle had pre-existing damage. I was not offered an alternative and was told that due to limited inventory, I could either accept the damaged vehicle or leave without a rental. I agreed under pressure, and the damage was documented at the counter. I signed an agreement acknowledging the damage was already present and was verbally assured that I would not be held responsible. 
I returned the vehicle after hours and was unable to obtain a final receipt. Despite multiple attempts, I was never provided with the final bill. 
On or around XX/XX/year>, I received a letter stating I owed {$1200.00} in damage fees. I contacted the location and spoke with a manager who acknowledged that the charge was due to a documentation error. He confirmed via email that his team was working with XXXX, XXXX third-party claims administrator, to resolve the issue. 
Only after receiving the damage claim did I request a copy of the vehicle log and all documentation related to my rental. These materials were not provided at the time of rental or return. 
Despite XXXX acknowledgment of error, I continue to receive collection notices from XXXX. XXXX Customer Service later informed me that the matter was out of their hands and that I must deal directly with XXXX. This is unacceptable, as the issue originated from XXXX internal mistake. 
I submitted a formal inquiry under XXXX # XXXX and Ticket # XXXX. In response, XXXX Customer Service confirmed that no damage charge currently appears on my rental record and requested a PDF copy of the billing letter to continue their investigation. I complied with this request. 
On XX/XX/year>, I received a debt collection notice from Viking Client Services , LLC, stating I must pay {$1200.00} by XX/XX/year>. This escalation occurred despite my documented efforts to resolve the matter and XXXX own acknowledgment of error. 
I am requesting that XXXX take full responsibility for this mistake and intervene directly with XXXX and Viking Client Services to clear this claim. The continued burden placed on me is unjust and has caused undue stress. 
Relevant Details : - Rental Date : XX/XX/year> - Location : XXXX, GA XXXX - Claimed Damage Fee : {$1200.00} - XXXX Case Number : XXXX - Reservation Number : XXXX - Collection Notice Date : XX/XX/year> - Payment Deadline : XX/XX/year> Thank you for your attention to this matter. I am seeking a full resolution and removal of this erroneous charge from all third-party collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-11-04 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: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-11-04 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing the accuracy and completeness of the following account appearing on my Experian credit file : Furnisher/Collection Agency : Caine & Weiner XXXX for Progressive ) Account/Reference : XXXX Balance reported : {$2000.00} Date opened reported : XX/XX/XXXX Balance updated date : XX/XX/XXXX Factual basis of dispute : XXXX ) I have never received any notice of this alleged account from the collector or original creditor and have no record of owing this debt. 
XXXX ) Please verify that all required fields are accurate and supported under the XXXX XXXX standard ( including creditor name, ownership/assignment, status code, date of first delinquency balance and date logic, open/closed status, and compliance condition codes ). I have also, reached out to the collection company as well, along with filing a CFPB complaint XXXX ) If the furnisher can not fully substantiate the account with original records and correct XXXX XXXX formatting, the item must be deleted. Under FCRA 611 ( a ), please conduct a reasonable investigation, correct or delete any information found to be inaccurate or unverified, and send me written results. Also provide the method of verification under 611 ( a ) ( 6 ) - ( 7 ), including the business name, address, and telephone number of the furnisher you contacted and the specific documents relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Attempted to cash a {$300.00} check drawn on a First Hawaiian Bank account at the XXXX XXXX branch. Staff refused to process the check, refused to verify my identification, and refused to provide any explanation for why the check could not be cashed. I was told to have the check reissued at the site of the employer, who then confirmed that they had the authority to sign the check. After doing so, the bank again refused without providing any reason other than we cant help you. 

This appears to be a violation of fair banking practices and UCC 3-501. The lack of ID verification or check authentication suggests an arbitrary or discriminatory denial of service. I am XXXX, and the refusal happened without the bank following its own standard procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> ACH transfer {$2000.00} from XXXXXXXX XXXX XXXX to Capital one checking the money never arrived. XXXX XXXXXXXX XXXX gave me proof money was sent. One says they have no record case close denied. 
Capital one checking account number XXXX. XXXXXXXX XXXX XXXX checking account number XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRIAD FINANCIAL SERVICES, INC.
State: IN

Complaint narrative:
Triad Financial Services is reporting a charged-off manufactured home loan with a balance of {$52000.00} that has not been properly verified or updated since 2023. I disputed this account and requested documentation proving its accuracy, including the original signed loan agreement, payment history, and proof of any repossession or deficiency balance. The company failed to provide any of this information. Despite not verifying the debt, Triad continues to report it as a valid charge-off, which is inaccurate and misleading. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and ensure the accuracy and completeness of any information they report to the credit bureaus. This inaccurate account continues to damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the erroneous late payment notations on my accounts violate 15 U.S.C. 1666. I have consistently paid on time, and any discrepancies in reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Block, Inc.
State: NC

Complaint narrative:
Look I've got money on my cash app and it's all I've got. They closed my account saying that my account was XXXXXXXX XXXX XXXX Now my car payment is due and I can't access my funds so im about to lose my vehicle!. Ive been a cash app costumer for 4 or 5 yrs now and this is no way to treat someone. I think they should be shut down permanently!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> Details of Personal Information Incorrect Name - XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MA, XXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

Company response to consumer: Closed with explanation