vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: MO

Complaint narrative:
I am disputing a medical collection account being handled by CPI / Collection Professional Inc. related to services from XXXX XXXX XXXX. 

I first became aware of this alleged debt through my credit report. I did not receive a billing notice or validation notice from CPI prior to seeing the account reported.

I disputed the debt with CPI in writing via email and certified mail and requested validation. CPI has not responded to my dispute or provided any documentation validating the debt. 

The underlying charges are invalid. XXXX XXXX XXXX XXXX ( XXXX ) has confirmed in writing that psychotherapy services billed by Mile High Psychiatry on XX/XX/year> were denied as not documented in the patients medical records, and that the patient should not be billed for the undocumented services. XXXX also confirmed that no insurance claim exists for the XX/XX/year> date of service. 

Additionally, XXXX XXXX XXXX has admitted in writing that due to errors in their prior billing system, they are unable to produce a complete billing register, show no record of payments, and relied on internal notes rather than an auditable billing ledger when determining the balance before sending the account to collections.

Because the provider can not substantiate a valid balance and the insurer has stated the patient should not be billed, CPI is attempting to collect a debt that is not owed. CPI has failed to validate the debt after receiving my dispute and continues to maintain the account without proof of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report regarding an alleged eviction and/or unpaid rent reported by my former landlord/property management company. 
On or about XX/XX/XXXX my apartment unit became uninhabitable due to a fire. As a result, I was legally unable to occupy the unit, and the lease was effectively terminated under habitability laws. I did not owe rent for the period following the fire, Despite this, an eviction and/or rental debt has been reported to my credit file. This information is factually incorrect and misleading, as the unit was rendered unlivable through no fault of my own. Reporting this as an eviction or delinquency violates the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be complete and accurate. 
I am requesting that this item be investigated immediately and removed from my credit report. Enclosed or available upon request is documentation supporting my claim, including evidence of the fire and loss of habitability. 
Please confirm in writing once this inaccurate information has been corrected or deleted. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already filed an FTC complaint against XXXX regarding the inaccurate reporting of multiple student loan accounts, including account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These same issues occurred across all of these accounts. I understand that XXXX reports late payments once an account reaches XXXX days delinquent, and I am not disputing that reporting standard. What I am disputing is the material discrepancies in how these alleged late payments were reported across Equifax , XXXX XXXX XXXX 
During the same reporting periods, the same XXXX accounts were reported as XXXX days late with XXXX credit bureau, while being reported as current, unavailable, or differently delinquent with the other bureaus, followed by months where payment history disappeared entirely or suddenly changed to paid on time. These reports do not match, and they can not all be accurate at the same time. Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), furnishers are required to report information that is accurate, complete, and consistent. In addition, Metro 2 reporting standards require that payment history be furnished uniformly across all consumer reporting agencies. XXXX failed to meet these requirements. 
In addition, I was never properly notified that my student loans were coming out of deferment or that payments were due before negative credit reporting occurred. This was not an isolated issueover XXXX XXXX borrowers were impacted nationwide when XXXX loans were reported late without proper notice following servicing and system transitions involving the XXXX XXXX XXXX. It is not reasonable or lawful to suggest that millions of borrowers independently failed at the same time. Reporting late payments without proper notice is inaccurate and misleading and violates FCRA 623 ( a ). 
Despite disputes, XXXX has continued to report contradictory and confusing information, demonstrating a failure to conduct a reasonable investigation as required under FCRA 611 ( a ) and 623 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
My account was closed after they let a charge go through I filed for help they closed my account and holding all I have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2026-02-05 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this dispute through the Consumer Financial Protection Bureau regarding inaccurate credit reporting by XXXX for account ending in XXXX. 

XXXX is reporting late payments on this account for the period of XX/XX/XXXX through XX/XX/XXXX. I dispute the accuracy and validity of these reported late payments. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information have a duty to report information that is complete, accurate, and verifiable. At this time, XXXX has failed to provide proper verification that these late payments are accurate, timely, and reported in accordance with federal law. 

I am requesting that XXXX : 1. Conduct a reasonable investigation into the disputed late payments 2. Provide documentation proving the accuracy of the reported late payment history for XX/XX/XXXX through XX/XX/XXXX XXXX. Correct or delete any information that can not be fully verified as accurate 4. Update all consumer reporting agencies accordingly Continued reporting of inaccurate or unverified late payments may constitute a violation of the Fair Credit Reporting Act. This letter does not constitute an acknowledgment of liability for the alleged late payments. 

I respectfully request that this matter be investigated promptly and resolved by correcting or removing the disputed late payment entries from my credit report. 

Thank you for your attention to this matter.

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 2026-02-05 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:
To Whom It May Concern, I am submitting this dispute through the Consumer Financial Protection Bureau regarding inaccurate credit reporting by XXXX for account ending in XXXX. 

XXXX is reporting late payments on this account for the period of XX/XX/XXXX through XX/XX/XXXX. I dispute the accuracy and validity of these reported late payments. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information have a duty to report information that is complete, accurate, and verifiable. At this time, XXXX has failed to provide proper verification that these late payments are accurate, timely, and reported in accordance with federal law. 

I am requesting that XXXX : 1. Conduct a reasonable investigation into the disputed late payments 2. Provide documentation proving the accuracy of the reported late payment history for XX/XX/XXXX through XX/XX/XXXX XXXX. Correct or delete any information that can not be fully verified as accurate 4. Update all consumer reporting agencies accordingly Continued reporting of inaccurate or unverified late payments may constitute a violation of the Fair Credit Reporting Act. This letter does not constitute an acknowledgment of liability for the alleged late payments. 

I respectfully request that this matter be investigated promptly and resolved by correcting or removing the disputed late payment entries from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have told them to not contact me once over the phone and I sent a cease and desist email and they are still calling me multiple times through the day all the way into the evening. They won't leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am filing this complaint against North Lane Cardholder Services regarding a serious customer data/privacy issue and ongoing failure to resolve a blocked transfer involving my wages.

In XXXX, I attempted to transfer my earned wages from my North Lane account ( used for my XXXX XXXX XXXX ) to my personal bank account. The transfer was blocked, and I was told the funds were blocked due to XXXX sanctions. 

Since then, I have been trying to resolve this matter for over a year. During communications with North Lane, North Lane provided me with transfer details and personal banking information that belonged to another crew member who shares my name. The information they sent was not mine.

I immediately informed North Lane that the information was incorrect and that it belonged to a different person. After I reported this error, North Lane stopped responding for long periods and has never provided a written explanation, corrective action, or confirmation that the other customer was notified.

This is a serious breach of confidentiality and indicates a failure of identity verification and internal controls. It also significantly damaged my trust in North Lanes handling of my case and raises concerns about the safety of my own personal information.

In addition, North Lane has repeatedly provided inconsistent guidance regarding XXXX requirements and has continued to delay resolution, leaving my funds inaccessible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
In XX/XX/2026 I attempted to use Credence Resource Management 's online payment portal at credencerm.com/pay. I have low vision and hearing impairment. The page does not work for me. The payment link blinks nonstop and I can not read it. When I use XXXX XXXX XXXX to access the page, the payment link, checkbox, and payment card logos do not load. The page tells me to check a box but no box appears. There is no way to proceed to payment. 
Credence continues to report this debt as unpaid to the credit bureaus while their website prevents me from paying. My credit is being damaged because their site is not accessible. 

Credence holds XXXX XXXX licenses XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Company : PayPal , Inc . 
Issue : Unauthorized electronic funds transfer / account takeover Product : XXXX wallet / payment service Complaint Details : On XX/XX/year>, I discovered XXXX unauthorized transactions initiated from my PayPal account to an unknown individual, XXXX XXXX. I did not authorize, initiate, or intend to send any money to this person. 

The first unauthorized transaction was for {$1300.00} plus a {$4.00} fee, which nearly depleted my PayPal account balance, leaving approximately {$24.00} in my account. While I was in the process of securing my account, a second unauthorized transaction for {$200.00} plus a {$4.00} fee was initiated and drawn from my linked XXXX XXXX bank account. 

Upon discovery, I immediately took protective action by : Changing my PayPal password Updating security questions Disabling facial recognition Enabling two-factor authentication on all logins Blocking the unauthorized recipient Reporting both transactions to PayPal as unauthorized I also contacted my bank, which successfully stopped the {$200.00} transfer. However, PayPal subsequently debited my remaining PayPal balance and assessed a negative balance of approximately {$180.00}, holding me financially responsible for transactions I did not authorize. 

PayPal denied my fraud claim, stating that the transactions were authorized solely because they were initiated from an IP address and device associated with my prior logins. This determination is flawed and incomplete. 

Use of a familiar IP address or device does not establish user authorization or intent when an account takeover has occurred. An unauthorized third party can act from the same IP or device through compromised credentials, session hijacking, malware, or other forms of account compromise. 

Relevant facts supporting account takeover include : I have had this PayPal account for approximately XXXX years with no prior fraud history. 

I have no transaction history with the recipient The transactions were highly anomalous, draining my entire balance and pulling funds from my linked bank account I took immediate security actions once alerted The recipient was added immediately prior to the unauthorized transfers PayPal has failed to demonstrate that I authorized or intended these transactions and has relied improperly on IP address similarity while ignoring clear behavioral and transactional red flags. 



Sent from my XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
This complaint is about XXXX different accounts being reported by this company. 

I disputed both accounts with XXXX because I dont believe they are mine. When I did that, the company was supposed to check and verify the information. 

Instead of actually proving the debts were mine, the company just said the accounts were verified, but did not give me any paperwork, contracts, or proof showing that I owe them or that they legally own the debts. 

While the dispute was happening, they also updated information on both accounts, like payment history and delinquency dates, even though they never showed proof that the information was accurate. 

Ive tried to fix this by disputing the accounts and asking for verification, but the company is still reporting and trying to collect on these debts without showing that they belong to me. 

I am asking for these accounts to be removed unless the company can actually provide proof that I am legally responsible for both of 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 explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: MS

Complaint narrative:
Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within XXXX days constitutes a direct violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, I am demanding the following : - Immediate cessation of collection efforts until full legal verification is provided. 
- A detailed breakdown of loan ownership and servicing rights post-XXXX XXXX XXXX abolishment. 
- XXXX confirmation that you will cease reporting this unverified debt to credit bureaus. 
If you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights. I am writing to formally dispute several inaccurate and incomplete entries currently being reported on my credit file related to student loans serviced by MOHELA.Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of any information you report. The accounts mentioned above are not being reported accurately and must be investigated and corrected or removed. 
Due to ongoing litigation and public regulatory scrutiny involving MOHELA, I have reason to believe that certain data furnished to you may be unreliable, outdated, or otherwise unverifiable. 
These inaccuracies negatively affect my creditworthiness and violate my rights under federal law. 
I am disputing the following issues : - Incorrect payment history being reported - Incorrect deferment/forbearance status - Incorrect balance information - Incorrect account open/close dates- Reporting during periods of automatic federal pause or administrative forbearance - Other inaccuracies as applicable I request the following actions : XXXX. XXXX a full reinvestigation As required by the CRA, reinvestigate these accounts and obtain verified, documented proof of their accuracy. If the furnisher can not provide such evidence, the information must be deleted from my report

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 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: FL

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 2026-02-05 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: OH

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