vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing this complaint because XXXX and XXXX has erroneously reported a fully paid balance to a collections agency, and they have failed to take corrective action despite repeated notification and provision of evidence. 

Detailed Chronology of Events Date of Payment/Confirmation : XX/XX/year>XXXX  I was contacted by the Property Manager who confirmed that the previously disputed/erroneous charges on my account had been removed from the ledger. 

Immediately upon this confirmation, I submitted the full outstanding balance of {$570.00} using my XXXX credit card. 

I confirmed that the {$570.00} payment successfully posted to my XXXX account and was confirmed by the property 's ledger. 

All were confirmed on XX/XX/year>. 

Despite the payment being confirmed and posted, I began receiving notifications of a past-due balance. 

I called the property staff, and while I was on the phone, a staff member located the correct charge/payment and confirmed they had electronically forwarded this information to the internal billing department for correction. 

Ongoing Harassment/Non-Resolution : The incorrect billing continued, resulting in the repeated issuance of " Final Notices. '' Each time, I was forced to call the office, reiterate the facts, and walk staff through the evidence of payment. 

This repeated, documented failure to correct a confirmed error constitutes harassment and persistent incorrect billing regarding a closed obligation. 

The property management company has now, in error, referred this fully-paid balance to a collections agency COLUMBIA DEBT RECOVERY LLC DBA GENESIS The property management staff now refuses to communicate with me to resolve this issue, citing the transfer to collections. And I have still yet to hear back from the collection agency themselves with this matter. 

Attempted Resolution : I have provided the following documentation to XXXX and XXXX and directly to the Collections Agency : Screenshots/statements confirming the {$570.00} payment posted successfully on XX/XX/year>. 

I have requested a follow-up from the Property Manager on four separate occasions since the collections referral, and I have received no response to any of these messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I XXXX XXXX ACQUIRED A MORTGAGE LOAN ON XX/XX/XXXXXXXX  FROM FIRST HORIZON BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ACCOUNT NUMBER XXXX, ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX LOUISIANA XXXX I RECEIVED A BILL TO PAY MY MORTGAGE FROM XXXX XXXX  TO BE PAID TO THEM FOR XX/XX/XXXX, I THEN. RECEIVED A LETTER ON XX/XX/XXXXXXXX  A NOTICE OF SERVICING TRANSFER TO ANOTHER CALLED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR. XXXX THAT SERVICER WOULD NOW BE COLLECTING MY PAYMENTS STATING XX/XX/XXXX. TELLING ME TO SEND ALL PAYMENTS TO A XXXX XXXX XXXX XXXX, XXXX XXXX., NO PAPERWORK, NO NEW ACCOUNT NUMBER, I HAVE RECIEVED NOTHING FROM SAID NEW SERVICING COMPANY. I WAS NEVER GIVEN A 30 DAY OR 60 DAY NOTICE FROM FIRST HORIZON BANK FOR THIS TRANSFER OF MY LOAN AND WAS NEVER GIVEN ANY NEW PAPERWORK FROM XXXX XXXX. I CONTACTED AND NO ONE HAS STILL NOT SENT ME ANY NEW PAPERWORK ON LOAN OR GIVEN ME A NEW ACCOUNT NUMBER.I WAS NOT GIVEN A PROPER LEGAL NOTIFICATION THAT REQUIRES A 30 DAY NOTICE. TODAY IS XX/XX/XXXXXXXX  AND MY LOAN PAYMENT IS DUE AND I HAVE NO INFORMATION ON NEW LOAN, NEW LOAN NUMBER. THIS HAS BEEN VERY CONFUSING ON WHO WHAT WHERE TO PAY MY MORTGAGE PAYMENT TO .I BELIEVE THIS WAS NOT HANDLED IN A LEGAL WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Contacted this company XX/XX/year> and requested legal documentation as described by law. I asked for company not to contact me. I received a package in response to first letter but it did not contain items i had previously requested which where original contract w my signature, assignment of alleged debt, their legal authority to collect on the alleged debt, and itemized accounting of alleged original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citi XXXX Elite credit card and promptly paid the {$590.00} annual fee. I met the required spend to earn the XXXX bonus points, which Citi initially credited to my account, but those points were later taken away when my account was unexpectedly closed without clear explanation. I submitted the required IRS Form 4506-C income verification twice as requested, yet Citi closed my account without providing a detailed reason or resolving the issue satisfactorily. I have an excellent credit score above XXXX, and this unexpected closure, combined with the hard inquiry and loss of the bonus points, is negatively impacting my credit score and credit history. This account closure has caused significant inconvenience, including loss of access to the card, rewards, and benefits promised at signup. I request that Citi reinstate my account, restore my bonus points, waive the annual fee, or provide a full explanation with proper remediation. Despite multiple attempts to resolve this directly with Citi, I have received no clear communication or resolution.

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 monetary relief
Consumer complaint received 2025-11-01 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: NC

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 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 2025-11-01 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: NC

Complaint narrative:
Adult daughter applied for a student loan a long time ago. ( There is no way to apply for a student loan without some responsible adult co-signing. ) Adult daughter is behind in her payments. She is XXXX She no longer lives in the United States. She is her own woman in the world. Outstanding balance is {$7800.00}. 

I am a XXXX  citizen. I can not pay this loan, even if I wanted to. Because of her arrearages, I can not get a loan, buy a car, or actually do anything. This despite the fact that I pay all my bills on time, I have never discharged a loan in bankruptcy or defaulted on any loan at any time, or entered into a discharge arrangement with credit cards. ( I was raised to pay what one owes. ) When does this stop? When will the power of the FICO score and the agencies be broken, which serves nothing more than keeping people like myself perpetually down? They don't serve us ; they serve the banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-01 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a written cease and desist letter to Portfolio Recovery Associates on XX/XX/year>XXXX  requesting that they stop all communication regarding an alleged debt. The company received my letter, but they continued to contact me through text and letters. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which prohibits a debt collector from contacting a consumer after receiving a written request to cease communication. 

I am requesting that the CFPB investigate this violation and that Portfolio Recovery Associates be required to : Stop all further communication immediately, Remove any related negative information from my credit reports, and Consider the debt resolved or dismissed due to the FDCPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

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 2025-11-01 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:
CFPB COMPLAINT EXPERIAN INFORMATION SOLUTIONS , INC . 

Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Email : XXXX | Phone : ( XXXX ) XXXX Respondent : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX TX XXXX Summary of Complaint This complaint concerns Experians continued reporting of inaccurate and unverifiable information on my consumer credit file, and its failure to properly investigate my formal disputes as required under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

On multiple occasionsincluding on XX/XX/year>XXXX  and XX/XX/XXXX, XXXX submitted written disputes to Experian, each including documentary evidence supporting my position. The attached files ( titled XXXXXXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX Experian XXXX, XXXX Signature Verification, and XXXX XXXX XXXX XXXX ) collectively show that Experian received full verification of my identity, address, and supporting documentation but failed to conduct a reasonable investigation or provide a meaningful response. 

Despite clear notice and supporting evidence, Experian continues to furnish incomplete, inaccurate, and/or unverifiable information to third-party users of my credit file. This constitutes negligent and willful non-compliance with its obligations under the FCRA. 

Applicable Law Under 15 U.S.C. 1681i ( a ), a consumer reporting agency must : Conduct a reasonable reinvestigation of disputed items ; Record the current status of the disputed information or delete the item within 30 days ; Review and consider all relevant information submitted by the consumer ; and Provide written results of the reinvestigation, along with an updated credit report.

Further, 15 U.S.C. 1681s-2 ( b ) imposes duties on furnishers of information to : Investigate disputed data upon notice from a consumer reporting agency ; Correct or delete any inaccurate or unverifiable information ; and Report the results to all consumer reporting agencies to which the data was 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 2025-11-01 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: TX

Complaint narrative:
I demand that my credit profile and score be correct IMMEDIATELY because there is no way that my credit score took almost XXXX points dropped and I have no missed recent payments XXXX  and Kickoff needs to correct my credit profile and score IMMEDIATELY!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX XXXX for work. The room and taxes ( {$120.00} ) were prepaid in advance through my employers travel agency, XXXX XXXX XXXX, and charged to a corporate XXXX  card ( last four digits visible on the invoice ). 

At check-in, I provided my personal Citi card only to cover {$20.00} for parking. 

However, the hotel charged my Citi card {$140.00} ( room + taxes + parking ). This resulted in a duplicate charge for the room and taxes that were already prepaid. 

I submitted the following to Citi : XXXX XXXX XXXX showing the hotel confirmation number, dates, and prepaid {$120.00} on the corporate XXXX  ( balance {$0.00} ) XXXX XXXX showing {$140.00} charged to my Citi card for the same reservation and dates Written explanation clarifying that only {$20.00} parking should have been billed to my Citi card I also spoke with dispute supervisors, and was told my documentation was sufficient and the charge would be corrected. Instead, the dispute was denied, reopened, and denied again. It has been over two months and the issue is still unresolved despite providing all evidence requested. 

I am requesting assistance reversing the duplicate {$120.00} room/tax charge and leaving only the valid {$20.00} parking charge.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HW Holding, Inc
State: MO

Complaint narrative:
I have a public record on my credit report and I already payed the company their money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint regarding the account reported by TRUIST ( Account # XXXXXXXX XXXX XXXX ), opened on XX/XX/scrub>XXXX  with a balance of {$18000.00}, which is being reported with a late payment. This reporting is inaccurate and misleading, as I have never been late on this account. The alleged late payment is false and represents a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate and verifiable. 

The incorrect reporting by TRUIST has negatively affected my credit profile and caused unjust damage to my financial reputation. TRUIST has not provided any valid documentation to support this claim of delinquency.

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