vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: DC

Complaint narrative:
I disputed this account and requested full debt validation, including a signed agreement, proof of ownership through a chain of assignment or bill of sale, and a complete itemized account history supporting the amount being claimed. The company did not provide any of the requested documentation. 

I escalated the matter through the CFPB. In its response, the company claimed the account was accurate and valid and stated documentation would be provided. No documentation was produced or uploaded. 

Despite failing to validate the debt after dispute and regulatory escalation, the company continues collection activity and continues to represent an unverified balance as owed. Because no itemized history or proof of ownership has been produced, the amount being collected is unsupported. 

The companys conduct constitutes false representations regarding the status and amount of the alleged debt and continued collection activity without validation after dispute. This complaint concerns procedural noncompliance, not a disagreement over accuracy. The appropriate resolution is cessation of collection activity and removal of any related credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and inconsistent credit information and has failed to correct it after my disputes. 

Equifax is publishing inaccurate account/tradeline data, including inconsistent month-by-month payment status/delinquency history and dispute-related remarks/comments ( for example, language such as Account previously in dispute now resolved/ Dispute resolved ; reported by grantor, or similar dispute-status remarks ). In addition, Equifax is reporting key account fields inconsistently ( for example, reporting a revolving credit limit incorrectly as {$0.00} and/or other data points that do not match the other bureaus ). These errors are materially harming my credit profile. 

Actions taken : I submitted disputes to Equifax and requested correction/deletion of the inaccurate or unverifiable reporting and asked for the method of verification and the source used to verify each disputed item. Equifax has not provided an evidence-based explanation identifying the records reviewed and the specific source used to verify the month-by-month status, remarks, and account fields. I do not accept conclusory responses such as verified or updated without documentation. 

Equifax is required under the Fair Credit Reporting Act to maintain reasonable procedures to assure maximum possible accuracy and to conduct a reasonable reinvestigation when a consumer disputes information. If Equifax can not verify the disputed information with reliable records, it must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Law Office of Brett M. Borland, P.C.
State: PA

Complaint narrative:
I rent through public housing. My former landlord has been trying to collect extra rent from that is outside of my lease contract with public housing. The landlord sold a false banlance to an alleged debt collection company. The alleged collection company reported these false charges to public housing and they told public housing that I have a judgment against me as an attempt to collect money from me concerning my former landlord. I do not have a judgment against me. Currently my subsidy is now in danger of termination because of this alleged collection companies falsely reporting to public housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am demanding the immediate removal of several fraudulent credit inquiries that appear on my credit report. These inquiries were made without my knowledge, without my consent, and with absolutely no permissible purpose. I did not authorize them period. 

This is a clear case of identity theft. I have never had any dealings with the companies that pulled these inquiries, nor did I apply for credit with them. I discovered them only after reviewing my credit report, and I was shocked to see that someone had accessed my credit file without my permission.

Under 15 U.S. Code 1681c-2, I have the legal right to request the blocking and removal of any item on my credit report that is the result of identity theft. Thats exactly what Im doing here. These inquiries are not just errors they are fraudulent, and they have no business being associated with my name or my credit history.

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 2025-12-21 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: NY

Complaint narrative:
I am submitting this complaint due to TransUnions failure to comply with the Fair Credit Reporting Act following my report of identity theft. 

On XX/XX/year>, I mailed TransUnion a complete identity theft dispute package, including proof of identity, proof of address, an FTC Identity Theft Report, and itemized identification of fraudulent tradelines and unauthorized inquiries. 

TransUnion failed to block and delete the disputed information within the time required under FCRA 605B. The continued reporting of these items indicates a failure to follow non-delegable statutory duties.

TransUnion has also failed to provide a lawful method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Automated verification or conclusory statements do not satisfy federal requirements. 

This non-compliance is causing ongoing harm and must be corrected immediately.

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 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing an unauthorized charge of {$2500.00} on my Home Depot credit card account issued by Citibank. 

I did not make, authorize, or benefit from this purchase, and I did not permit anyone else to use my card or account. I reported the transaction as fraud. A Citibank manager initially agreed it was unauthorized and issued a credit. That credit was later reversed after the merchant claimed the transaction was valid. 

During multiple phone calls, I repeatedly requested basic information about the transaction, including : The items allegedly purchased Pickup or delivery records Signature or identification used Confirmation of the replacement account number Citibank representatives were reluctant or refused to provide these details, and the transaction information was hidden from my online account.

I informed Citibank that I had filed an FTC Identity Theft Affidavit and a police report, and that I was proceeding under the Fair Credit Billing Act. The following day, my account suddenly showed a {$0.00} balance listed as refund. During investigation period, Citibank already sent the disputed balance to consumer reporting agencies which is not right.

However, Citibank has provided no written confirmation that : The charge has been permanently removed I have no liability The dispute has been resolved in compliance with the Fair Credit Billing Act Given the prior reversal of credits and the lack of documentation or written resolution, I am concerned that the charge may be re-billed again.

I am requesting CFPB assistance to ensure Citibank properly completes its investigation, complies with federal law, and mail a written confirmation that I am not responsible for this fraudulent transaction.

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 2025-12-21 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: CO

Complaint narrative:
I got a notice from the credit bureaus that I had derogatory marks on my credit for {$38000.00} for collections charge off funds from XXXX XXXX XXXX XXXX This is a government guaranteed unsecured loan that I have nothing to do with. I have not taken out a loan with this agency. And I have not received any money from the XXXX XXXX XXXXThis is fraudulent activity by another party.I currently am in collections with this entity over incorrect information. I have filed a police report on XXXX XXXX XXXX XXXX  for fraud.The number associated with this department is disconnected and does not work.And I can not contact this department. These derogatory remarks are also on my wife 's credit report. 
The timing of this incident seems to coincide with the government shutdown and starting back up. Sometimes, scammers use these situations to take advantage of the public.

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 2025-12-21 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: CO

Complaint narrative:
I got a notice from the credit bureaus that I had derogatory marks on my credit for {$38000.00} for collections charge off funds from XXXX XXXX XXXX XXXX This is a government guaranteed unsecured loan that I have nothing to do with. I have not taken out a loan with this agency. And I have not received any money from XXXX XXXX XXXX XXXXXXXXThis is fraudulent activity by another party.I currently am in collections with this entity over incorrect information. I have filed a police report on XXXX XXXX XXXX XXXX for fraud.The number associated with this department is disconnected and does not work.And I can not contact this department. These derogatory remarks are also on my wife 's credit report. 
The timing of this incident seems to coincide with the government shutdown and starting back up. Sometimes, scammers use these situations to take advantage of the public.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I dispute the validity of this alleged debt in its entirety.

Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication with me regarding this matter unless and until you provide proper validation of the debt, including but not limited to : The name of the original creditor The amount of the alleged debt Proof that I am legally obligated to pay this debt If you continue collection efforts without providing proper validation, such actions will constitute violations of federal law.

This letter is not an acknowledgment of liability, nor a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was wrongfully attributed to me and the reporting is inaccurate.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Incorrect interest/fees, billing dispute not resolved, payment processing errors. 

I am filing a complaint regarding ongoing billing errors and failure to resolve disputes by Comenity Bank. I have consistently paid my account balances in full and am enrolled in automatic payments. Despite this, Comenity has repeatedly assessed improper fees and interest, which their representatives have acknowledged were caused by internal system errors. Issues include : Autopay amount mismatch, I authorized a payment of {$200.00}, but Comenity withdrew only {$190.00}, an amount determined by their system.

After this payment posted, my account reflected a {$0.00} balance.

Despite a {$0.00} balance, Comenity assessed a {$2.00} minimum interest charge on the next statement. 
I submitted a written dispute via certified mail on XX/XX/year>, which Comenity received on XX/XX/year>. 
The disputed charge was already present online on the date they received my letter. 
As of XX/XX/year> I have received no written response, no email, and no account correction. 
Prior disputes earlier in 2025 resulted in partial reversals, but fees continue to reappear in new forms. 
I believe Comenity is failing to properly suspend finance charges during an active dispute and is assessing interest caused by its own system errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 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: DISCOVER BANK
State: IL

Complaint narrative:
I disputed a credit card charge in the amount of {$6800.00} from XXXXXXXX XXXX UNCRATE. Discover issued a written decision dated XX/XX/2025 stating that the dispute was resolved in my favor based on information provided by both the merchant and myself, and that I would not be charged for the transaction. 

On XX/XX/2025, Discover reversed that outcome and reposted the charge, stating that a final review found the charge valid and enclosing merchant documentation. 

Critically, all merchant documentation provided is dated XX/XX/2025 or earlier. No new evidence was submitted after Discovers XX/XX/XXXX decision. The evidentiary record used for the XXXX reversal is identical to the record already reviewed when Discover resolved the dispute in my favor. 

Discover has not identified any new evidence, factual change, or specific investigative error that would justify reaching the opposite conclusion based on the same materials. Reversing a dispute outcome without new evidence or a documented error raises serious concerns about whether a reasonable investigation was conducted as required under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

I am requesting that Discover be required to : 1. Identify the specific new evidence or procedural error that justified reversing the XX/XX/XXXX decision, or 2. Restore the credit consistent with the original determination.

Absent either, the reversal appears arbitrary and inconsistent with FCBA dispute-resolution requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>, I made my full monthly mortgage payment using the companys mobile app. On XX/XX/year>, while traveling, I submitted two payments totaling the full amount due ( {$4000.00} and {$2400.00} ). The app allows users to enter partial payment amounts and does not warn that split payments can not be properly applied to the escrow portion of the mortgage. 

Several weeks later, I was notified that the account had been reported as 30 days past due. I contacted the company immediately. A representative confirmed that both payments were received, the funds were available, and the payments were made within the required timeframe. I was informed that the issue occurred because the mobile app does not allow two separate payments to be applied toward escrow and provides no customer-facing option to do so.

To resolve the issue internally, the representative manually applied both payments and waived the late fee. Despite this acknowledgment and correction, the company continued to furnish the XX/XX/year> payment as delinquent to the credit bureaus. 

I disputed the reporting directly with the company multiple times and also disputed with XXXX, XXXX, and XXXX. The company declined to correct the reporting, and the credit bureaus verified the information based on the companys continued furnishing. 

The payment was made in full and on time using the companys own system. The delinquency resulted from a system limitation and not from a failure to pay.

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 2025-12-21 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: Entrata Inc.
State: CA

Complaint narrative:
I had a report ran by XXXX XXXX verify and there income information was completely.off by {$50000.00} dollars annually and they had me link my checking to there system an the amount in my account was short {$20000.00} causing me to fail with the apartment complex im trying to rent from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: PA

Complaint narrative:
On XX/XX/year>, EQUIFAX received my formal identity theft blocking request submitted under the Fair Credit Reporting Act ( FCRA ) 605B. This submission was not a standard dispute under 611, but a formal demand for the blocking of fraudulent information resulting from identity theft. My package included all documentation required under 605B ( b ) : A copy of my government-issued ID Proof of current address ( bank statement ) A copy of my Social Security card A completed and signed FTC Identity Theft Report The fraudulent account identified in my credit report is : EQUIFAX confirmed receipt of my identity theft submission on XX/XX/year>, yet as of today ( well beyond 4 business days ), this fraudulent account remains on my credit report. This is a direct violation of FCRA 605B ( c ) ( 1 ) ( A ), which mandates that consumer reporting agencies must block all information resulting from identity theft within four business days after receiving proper documentation. Furthermore, EQUIFAX continued publication of information that it knows or should know to be false constitutes noncompliance with 623 ( a ) ( 1 ) ( A ), which prohibits furnishers or consumer reporting agencies from reporting information they know to be inaccurate. EQUIFAX failure to implement the required block also enabled continued data furnishing in violation of 623 ( a ) ( 5 ) ( A ), which requires furnishers to properly identify, suppress, and cease reporting accounts that have been confirmed as resulting from identity theft. By not fulfilling its blocking duty under 605B, EQUIFAX effectively allowed furnishers to continue transmitting fraudulent data undermining the legal protections Congress established to safeguard victims of identity theft. As a result, my credit report remains distorted, my credit score is artificially suppressed, and I continue to face unjust denials of credit and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: NV

Complaint narrative:
NBF Kept multiple debts on my record after multiple disputes saying that it was a debt that they had a right to attempt to collect when they did not have it anymore and it was cleared with the original owner of the debt, putting damaging remarks on my credit, and misrepresenting the ownership of the debt to the CFPB. These debts were the ones for XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation