vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint against COLUMBIA DEBT RECOVERY GENISIS for repeated and ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my explicit verbal requests for the company to cease phone contact, they have continued to call me repeatedly, often with rude and unprofessional behavior. I have spoken to both representatives and management at the company, and they have refused to honor my request for a settlement or to stop contacting me by phone. 

Their continued communication has caused me undue stress and constitutes harassment under 15 U.S.C. 1692d and unlawful contact under 1692c ( c ).

Below are details of the violations : Company Name : [ Columbia debt recovery Genisis ] XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Representative name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Continuous calls after a verbal request to stop ; refusal to communicate respectfully ; unwillingness to negotiate ; intimidating tone and harassment. 

Management was unwilling to negotiate or settle, advising me that those options werent available, unwillingness to help even after expressing hardship and trying to purchase a house. 

I respectfully request that your office investigate this companys practices and take appropriate action to ensure compliance with federal and state debt collection laws. 

I am also requesting written confirmation from [ Debt Collectors Name ] that they will cease all further communication with me except as permitted by law.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-30 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: MD

Complaint narrative:
Bankruptcy, XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} Bankruptcy, XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} Dispute Reason & Resolution Request : I am disputing these bankruptcy accounts because they may not be correctly reported. The accounts are listed as discharged with a balance of {$0.00}, but there may be inaccuracies with the reporting. I request that Experian verify these bankruptcy filings with the appropriate court or creditors. If the information can not be verified, I request that these accounts be removed from my credit report. Please provide written confirmation of the results of your investigation and any updates made to my report.

Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX ( 2 entries ) XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Duplicate Inquiries from Credit Report Dear TransUnion Representative, I am writing to request the removal of several duplicate hard inquiries that appear on my TransUnion credit report. After reviewing my report, I identified multiple entries from the same creditors made within close timeframes, which appear to be duplicates rather than distinct credit applications. These inquiries likely resulted from a single credit request or automated lender verification process and are unfairly affecting my credit score.

Below is a list of the duplicate inquiries I am requesting to be removed : 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/XXXX I respectfully request that TransUnion review and delete any duplicate or redundant inquiries listed above that were generated as part of the same credit application process.

Enclosed are copies of my government-issued identification and proof of address to verify my identity. Please confirm in writing once these duplicate inquiries have been removed from my file.

Thank you for your prompt attention to this matter. If additional information is required, I can be reached at ( XXXX ) XXXX. 
Sincerely, 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 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: NM

Complaint narrative:
I got a loan from regional finance XXXX XXXX location a couple months back and this girl XXXX has always been rude demanding me to pay it when at the time I couldnt but I still made the payment just a little late. Ive had 6 paid off loans with regional finance and to get treated like this is unacceptable. I was at a dr appt this morning, I couldnt answer their phone call mind you Im 8 days late on the loan. They called one of my references and was rude to him and gave him my personal information on my loan like the payment amount and due dates. I wouldnt recommend them anymore. They need to treat their customers better. Her name is XXXX from the XXXX XXXX regional finance in XXXX NM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
While checking my Equifax credit report on XX/XX/year>, I noticed this HARD inquiry : Date : XX/XX/XXXX, XXXX Company : EQUIFAX XXXX | Address : EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | Request Originator : XXXX XXXX. 

I did not authorize XXXX XXXX  to get a copy of my report. I can not even find any info on the said entity. 

I promptly opened a dispute on the Equifax website for this improper sharing. Request Confirmation Number is [ XXXX ]. On XX/XX/year>, I received the message that my dispute was resolved and that I can download the results of the investigation from the Equifax website. I promptly downloaded the " results of the investigation '' and found that it is nothing more than a boilerplate description of the process for addressing the disputes. So, Equifax provided no information that I requested and no changes in their apparently invalid sharing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: ID

Complaint narrative:
I am reporting multiple accounts appearing on my credit file that clearly belong to someone else and have been improperly mixed with my personal information. I never opened, authorized, or managed these accounts, yet they are being reported under my name, creating a false and damaging representation of my financial history. This misassociation is unacceptable, raises serious concerns about how my file is being maintained, and is causing me significant distress given how closely I monitor my credit. I require a full explanation of how these third-party accounts became linked to my identity and who is responsible for reporting them.

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 2025-10-30 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-10-30 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and 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 2025-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
This complaint follows CFPB case # XXXX against XXXX XXXX XXXX which was closed after XXXX directed me to MOHELA. My loans remain owned by XXXX XXXX XXXX XXXX but are serviced by MOHELA. I am requesting confirmation that these loans were reviewed for cancellation under the XXXX multi-state Attorney General settlement. 

My private Signature Student Loans were originated by XXXX XXXX in XXXX and XXXX, later transferred to XXXX XXXX XXXX XXXX and now serviced by MOHELA. Ive paid nearly twice the original amounts yet still owe nearly the full amount borrowed. The loans are high-risk, cosigned, and were more than 7 months delinquent prior to XXXX. I live in North Carolina, which participated in the XXXX Attorney General settlement with XXXX. On XX/XX/XXXX I contacted MOHELAs advocate office requesting written confirmation that my loans were reviewed for cancellation under that settlement. On XX/XX/XXXX I received a School Misconduct Discharge packet that was not applicable. I immediately clarified the error by email and asked for confirmation of AG-settlement review. MOHELA acknowledged receipt but provided no case number, advocate, or written response after more than two weeks. When I followed up by phone, the representative confirmed that I was not looking for a misconduct claim and advised me to contact the CFPB for resolution. Throughout the life of repayment, I was repeatedly placed into forbearance programs and temporary relief plans that caused interest to compound and capitalize, significantly increasing my balance despite continued payments. I believe these servicing actions and loan characteristics fit the criteria outlined in the XXXX AG settlement for review and relief. I believe my loans meet the criteria for review under the XXXX AG settlement and am requesting a written determination of eligibility or explanation of why they were excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am filing a complaint against Robinhood, the stock brokerage company.

They restricted and then deactivated my account with my life savings in it : {$86000.00}.

This was over a month ago.

Since ; Ive been emailing them every day as Ive ran out of personal money.

Im now behind on all my bills, have been evicted and last week finally lost my job as I ran out of money to go to and from work.

They have literally ruined my life and is causing me great financial and emotional distress.

They said they will be returning my money to my bank account ; but it could take 120 days. However in the past; depositing & withdrawing money never took more than 1-2 days.

Please help me! I filed a complaint that has since been closed by CFPB : XXXX I am literally depressed and is going through a really hard time emotionally since theyve held my money. Ive lost EVERYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I reported fraudulent charges on my Capital One credit card. The card was closed, and a new one was issued while the investigation remains open ( Capital One has 4590 days to complete it ).

Despite repeated requests, Capital One continues to report the fraudulent balance to the credit bureaus as if it were valid. They are also including those disputed charges in the new accounts balance, calculating interest on them, and adding them to my minimum payment.

This violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which prohibit reporting or collecting on fraudulent or disputed charges during an active investigation.

I have made multiple written and verbal requests for Capital One to either ( 1 ) remove the fraudulent amount from my new account until the investigation is resolved or ( 2 ) properly mark the account as in dispute. They have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or consented to them in any way. This is entirely unacceptable and constitutes a serious breach of accuracy and responsibility. These false entries misrepresent my financial history and have caused me considerable concern.

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 2025-10-30 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially.

time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief