vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting an alleged Citibank account on my credit reports even though they can not validate the debt and have admitted in writing through their CFPB response dated XX/XX/year> ( Case # XXXX ) that : They do NOT possess the original contract. 

They do NOT possess a complete billing history or account-level documentation. 

They rely solely on verification information provided by the seller. 

The account is marked Cease & Desist, yet they continue credit reporting.

They can not provide competent evidence of the debt as required under FDCPA 1692g ( b ).

These admissions show clear violations of : FDCPA : 1692g ( b ) : Failure to validate 1692e : False representation 1692f : Unfair practices 1692c ( c ) : Reporting despite Cease & Desist status FCRA : 1681e ( b ) : Reporting inaccurate / unverifiable information 1681i : Failure to reasonably reinvestigate 1681s-2 ( b ) : Furnisher failed to conduct a reasonable investigation XXXX Credit Reporting Standards : A debt lacking documentation can not be furnished A dispute can not be verified without original creditor records A Cease & Desist account must not be furnished XXXX continues furnishing this account under paid/closed/collections status even though they can not legally verify ownership, balance accuracy, or contract terms. 

I am requesting the CFPB to investigate and require XXXX to : Permanently DELETE the XXXX XXXX XXXX account from XXXX, XXXX, and XXXX. 

Correct their internal validation procedures. 

Provide a full explanation of how they verify debts without original creditor documentation. 

I am attaching : The XXXX CFPB response My force-removal letter My affidavit Copies of bureau disputes Proof of violations This account is unverifiable, invalid, and illegally furnished. 
I am requesting full deletion.

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 2025-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Im submitting this report because my lender placed me into an unsuitable XXXX loan product with an interest rate close to XXXX percent and is now refusing to work with me on any form of loss mitigation. During underwriting, they did not properly review my income or financials, despite documentation being available, and structured the loan based only on projected XXXX income. The product was not appropriate for my actual income, qualifications, or long-term repayment ability. 

Now, even after Ive provided complete financial documentation including profit-and-loss statements, bank statements, and proof of strong business revenue they are refusing to review my information or offer any reasonable modification options. I also have significant equity in the property, yet they will not consider any solutions to help avoid default. 

Im requesting oversight because the lender both originated an unsuitable loan and is refusing to work with me in good faith on loss-mitigation options, despite my proactive efforts and complete documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SENTE MORTGAGE
State: TX

Complaint narrative:
For the second year in a row, my Home Owners insurance policy has not been paid. I am required to pay into an escrow account for this very purpose. I am current on all loan payments and I have never been late. I feel that this is intentional as this is the second year in a row, I was assessed a penalty for late payment last year by the insurer for late payment of my Home Owners policy

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: NV

Complaint narrative:
A collection account from IQ Data XXXX is being reported on my credit despite never being validated. The alleged debt comes from move-out charges from my former apartment in Nevada. 

On XX/XX/year>, before the debt was ever placed in collections, I sent an email to the property management company disputing the charges and requesting documentation. I specifically asked for itemized charges, photos of any alleged damage, the carpet replacement invoice, proof of cost, and depreciation calculations. The property management company never provided any documentation. 

On XX/XX/year>, I mailed a written dispute and validation request to IQ Data XXXX, which would reasonably have been delivered by XX/XX/year>. In that letter, I included copies of my earlier dispute emails to the property management company. I again requested full validation including photos, invoices, and depreciation. IQ Data did not provide any documentation at all. 

Under FDCPA 15 USC 1692g, a debt collector must stop collection activity and reporting until it validates a disputed debt. IQ Data continued reporting the account to the credit bureaus despite having no validation from the original creditor and receiving my written dispute. This is inaccurate information and a violation of both the FDCPA and the FCRA. 

I am requesting that the CFPB require IQ Data XXXX to cease all collection activity and remove this unvalidated collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Goodleap, the servicer of my loan. My husband, who was the sole income provider for our household, passed away. I immediately contacted Goodleap to notify them and to request assistance, including any available hardship options, bereavement review, or loss mitigation.

Despite informing them of my financial hardship and providing full context, Goodleap responded that because the account is still current, no assistance is available. This response does not address my situation, especially since I reached out proactively before the account becomes delinquent. 

I requested escalation, a formal review, and information on what documentation they require. I also asked for their written policies regarding assistance after the death of a borrower. My requests were ignored or dismissed without meaningful guidance. 

The company appears unwilling to review or assist unless the account first becomes delinquent, which feels unreasonable and predatory. I am attempting to prevent delinquency and communicate in good faith, yet Goodleap is refusing to provide any options, policies, or escalation contacts.

I am seeking CFPB assistance to ensure that Goodleap : Acknowledges and properly reviews my hardship request Provides access to any bereavement, hardship, or modification programs Escalates my case to the appropriate department Provides clear written guidance on next steps and required documentation I am acting in good faith and simply need the company to engage in a fair and reasonable review process following the death of a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

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 2025-12-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
LOCKHART, MORRIS & MONT is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART, MORRIS & MONT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-09 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:
The information furnished is incorrect and unrelated to my records.

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 2025-12-09 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Please see attachments for complete details. Experian is reporting MULTIPLE, MULTIPLE accounts that were written/charged off YEARS ago, as active and/or wil active balances and credit limits. This is a direct Metro 2 violation. ALL of these accounts MUST be updated and 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 2025-12-09 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Would you inspect this entry? The timing seems off and it may be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card account ending in XXXX. 
XX/XX/year>. This is the first returned payment in XXXX years of perfect payment history with Discover. The account has never been late and is currently in excellent standing. 
I requested a one-time courtesy waiver of the {$20.00} returned-payment fee. Front-line representatives and a supervisor stated they could not remove the fee. I was told this is not waivable despite numerous public reports of Discover granting identical XXXX-time waivers. 
I only threatened to close the account if the fee could not be removed. Discover is now attempting to close my account instead of granting a standard goodwill adjustment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XX/XX/year> XXXX XXXX Ombudsman, I wanted to follow-up after my last correspondence to the XXXX Department XXXX I have submitted several documents that prove I am a worthy candidate for a hardship deferment of payment for the full XXXX months requested. I am requesting that you do a full review of my case to determine if you agree with my finding. 

While you are completing the review, I would also like the following documents sent to me : a list of full escrow payments made on my behalf and a list of past payments. 

I am frustrated that the terms of my loan have changed once the loan was bought by XXXX XXXX. In the past I only paid my mortgage payment and paid my property tax separate. I would prefer this arrangement to have continued. Do I have any alternatives to seek another lender to work with currently? 

I appreciate your consideration, Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following items on my credit report. The items listed below have inaccuracies or discrepancies that need to be corrected.+ Charged Off Accounts : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} Inquiries : XXXX XXXX NA 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing an inaccurately reported late payment on my credit file under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666 ( b ), which outlines consumer rights regarding billing errorsincluding misapplied payments and incorrect statements. 

A late payment has been reported on the above-referenced account that is incorrect, unverified, and in violation of my rights under federal law. I am requesting an immediate reinvestigation. 

Basis of My Dispute The reported late payment for ( month/year ) is inaccurate. 
I either paid on time, the creditor misapplied my payment, or the creditor failed to send a correct, timely statementmaking the late fee and delinquency invalid under 15 USC 1666 ( b ).

Under this statute, any alleged delinquency resulting from a billing error can not be reported as late while the information is disputed or unverified. 

Required Action Under the Fair Credit Reporting Act ( FCRA ) and the FCBA : 1. Conduct a reinvestigation of the inaccurate late payment.

2. Require the furnisher/creditor to verify the accuracy of the late payment with documented proof.

3. Delete the late payment from my credit file if it can not be fully verified with proper records.

4. Provide me with a written response and an updated copy of my credit report once the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am formally disputing an inaccurately reported late payment on my credit file under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666 ( b ), which outlines consumer rights regarding billing errorsincluding misapplied payments and incorrect statements. 

A late payment has been reported on the above-referenced account that is incorrect, unverified, and in violation of my rights under federal law. I am requesting an immediate reinvestigation. 

Basis of My Dispute The reported late payment for ( month/year ) is inaccurate. 
I either paid on time, the creditor misapplied my payment, or the creditor failed to send a correct, timely statementmaking the late fee and delinquency invalid under 15 USC 1666 ( b ).

Under this statute, any alleged delinquency resulting from a billing error can not be reported as late while the information is disputed or unverified. 

Required Action Under the Fair Credit Reporting Act ( FCRA ) and the FCBA : 1. Conduct a reinvestigation of the inaccurate late payment.

2. Require the furnisher/creditor to verify the accuracy of the late payment with documented proof.

3. Delete the late payment from my credit file if it can not be fully verified with proper records.

4. Provide me with a written response and an updated copy of my credit report once the investigation is completed.

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