vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding unlawful collection activity on an account that is the direct result of identity theft and does not belong to me. 

IL D & A Services , LLC, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has attempted to collect an alleged debt originally associated with XXXX XXXX  XXXX XXXX. This account was fraudulently opened and is not mine. I have notified the companies in writing that this account is the result of identity theft and have requested cessation of collection activity and deletion pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2.

Despite receiving notice, the companies have continued collection efforts, including sending settlement offers, without providing lawful documentation or confirming deletion. They have failed to comply with their obligations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

I am requesting CFPB intervention to require immediate cessation of all collection activity, deletion of the account from all consumer reporting agencies, and written confirmation that the account has been closed and will not be sold, transferred, or re-reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 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: NC

Complaint narrative:
I am filing this complaint to dispute inaccurate, incomplete, and/or unverifiable information TransUnion is publishing in my consumer report, and to demand a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). My report reflects multiple derogatory tradelines ( charge-offs/collections ) where critical data elements are missing ( including the Date of First Delinquency ( DOFD ) ), the file disclosure is not complete, and the bureaus verification process appears to rely on automated e-OSCAR codes rather than reviewing competent documentary evidence. 

Additionally, my file contains personal-identifying information that is inaccurate and should be deleted ( addresses/employer variations not current/accurate ). TransUnion is required to maintain reasonable procedures to assure maximum possible accuracy and must delete or correct any information that is inaccurate, incomplete, or can not be verified. 

Disputed information ( list each item ) Personal Information ( delete/remove if not current/accurate ) : Addresses : XXXX XXXX ( XXXX, NC XXXX XXXX ; XXXX XXXX ( XXXX, NC XXXX XXXX Employer XXXX XXXX & XXXX XXXX  Any name variation such as XXXX if not my legal name Accounts ( TransUnion ) dispute as inaccurate/incomplete/unverifiable : XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$5100.00} | DOFD not shown Dispute : Missing DOFD / incomplete delinquency timeline / unverifiable charge-off reporting. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$22000.00} | DOFD not shown Dispute : Missing DOFD / incomplete file disclosure / unverifiable charge-off and balance. 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4300.00} | DOFD not shown Dispute : Missing DOFD / unverifiable derogatory reporting and delinquency sequencing. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3000.00} | DOFD not shown Dispute : Missing DOFD / incomplete delinquency history / unverifiable charge-off logic. 

NATLCRSYS ( Collection ) Acct # XXXX * Date Opened : XX/XX/XXXX | Balance : {$1100.00} | DOFD not shown Dispute : Missing DOFD + inconsistent dispute indicators ; lack of documentary proof of liability/amount. 

What did you do to try to fix the problem? 

I am disputing these items and requesting a lawful reinvestigation with documentary verification, not automated verified responses. I am requesting complete disclosure of the information being relied upon, including DOFD and furnisher verification procedures.

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 2025-12-17 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: NC

Complaint narrative:
I am filing this complaint to dispute inaccurate, incomplete, and/or unverifiable information TransUnion is publishing in my consumer report, and to demand a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). My report reflects multiple derogatory tradelines ( charge-offs/collections ) where critical data elements are missing ( including the Date of First Delinquency ( DOFD ) ), the file disclosure is not complete, and the bureaus verification process appears to rely on automated e-OSCAR codes rather than reviewing competent documentary evidence. 

Additionally, my file contains personal-identifying information that is inaccurate and should be deleted ( addresses/employer variations not current/accurate ). TransUnion is required to maintain reasonable procedures to assure maximum possible accuracy and must delete or correct any information that is inaccurate, incomplete, or can not be verified. 

Disputed information ( list each item ) Personal Information ( delete/remove if not current/accurate ) : Addresses : XXXX XXXX ( XXXX, NC XXXX XXXX ; XXXX XXXX ( XXXX, NC XXXX XXXX Employer XXXX XXXX & XXXX XXXX  Any name variation such as XXXX if not my legal name Accounts ( TransUnion ) dispute as inaccurate/incomplete/unverifiable : XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$5100.00} | DOFD not shown Dispute : Missing DOFD / incomplete delinquency timeline / unverifiable charge-off reporting. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$22000.00} | DOFD not shown Dispute : Missing DOFD / incomplete file disclosure / unverifiable charge-off and balance. 

XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$4300.00} | DOFD not shown Dispute : Missing DOFD / unverifiable derogatory reporting and delinquency sequencing. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3000.00} | DOFD not shown Dispute : Missing DOFD / incomplete delinquency history / unverifiable charge-off logic. 

NATLCRSYS ( Collection ) Acct # XXXX * Date Opened : XX/XX/XXXX | Balance : {$1100.00} | DOFD not shown Dispute : Missing DOFD + inconsistent dispute indicators ; lack of documentary proof of liability/amount. 

What did you do to try to fix the problem? 

I am disputing these items and requesting a lawful reinvestigation with documentary verification, not automated verified responses. I am requesting complete disclosure of the information being relied upon, including DOFD and furnisher verification procedures.

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 2025-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management sued me in XXXX XXXX, Texas ( Case No. XXXX ). I did not have an attorney. During the court case, Midland did not present a signed contract, did not show a chain of title, and did not provide any original account documentation. 

After the hearing, Midlands law firm XXXX XXXX XXXX XXXX ) sent me a post-judgment payment agreement. The document they sent me shows : They admit they are only the current creditor ( no proof how they became creditor ). 

They never provided a signed contract. 

They never provided a full accounting. 

They pressured me to sign a settlement agreement with no proof of the alleged debt. 

They used the judgment to pressure me into payments even though they lacked original documentation. 


This does NOT validate the debt, nor does it prove ownership. It is simply a settlement letter created by their attorney NOT a contract I signed with Midland or the original creditor. 

Despite this, Midland continues reporting both accounts as collections, which is inaccurate and misleading 1. False credit reporting Midland continues to report these accounts as " collections '' even after litigation. Under FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 1 ), this is unlawful because it misrepresents the legal status of the debt. 


2. Texas courts no longer transmit civil judgments This makes the judgment unverifiable under FCRA 611.

If a debt can not be verified with the court, it must be deleted.

3. Failure to validate Under FDCPA 809 ( b ), Midland must provide : Signed contract Chain of title Original account records Proof of amount They provided none of these, yet continue to report.

4. Misrepresentation of amount owed The payment letter shows multiple inconsistent balances, violating FCRA 607 ( b ).

5. Coercive post-judgment actions Midland pressured me into a payment agreement I didnt understand because I had no attorney.

This raises major consumer protection issues.

6. Reporting information without a permissible purpose If Midland can not validate the account, they can not legally report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I am submitting this complaint because Spectrum, through its third-party collection agency MRS BPO, has engaged in harassing and abusive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). MRS BPO has repeatedly contacted me at my workplace despite the disruptive nature of these calls and the risk they pose to my employment. In addition, they have continued to call me outside of permitted hours, including at night. The frequency, timing, and nature of these calls are intimidating and feel threatening. Under the FDCPA, debt collectors are prohibited from engaging in harassment, contacting consumers at inconvenient times, and contacting them at work when such calls are known to be inappropriate. I am requesting that these unlawful communications cease immediately and that Spectrum and MRS BPO comply fully with federal consumer protection laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: OR

Complaint narrative:
I enrolled with Credit Sage in XX/XX/year> for credit repair services. At enrollment, I paid {$270.00} upfront, along with a {$25.00} membership fee, which was part of the bundled enrollment. I was not informed that this was a separate third-party service ; it was presented as part of the Credit Sage package .

I was told that the credit bureaus would typically take 3045 days to respond and that the disputed items would be removed from my credit report by around 60 days. The timeline then shifted repeatedly : 30-45, 60, 90 days, then 100 days. In XX/XX/year>, a Credit Sage representative told me that all disputes were ready to be cleared and were only pending final approval. I was specifically advised to postpone billing dates to align with the credit report release to ensure completion.

I did not postpone any billing myself, as I waited for the results through rest of XXXX then again XXXX. By XXXX, no results still had been provided. On XX/XX/XXXX, I emailed Credit Sage requesting that the billing date be moved because the XXXX credit report cycle was approaching. On XX/XX/XXXX, they responded that an account manager would contact me in a few days, while also claiming that billing dates can not be moved because payments are system-generated, which is false. Despite my clear instructions, they processed a {$99.00} charge without authorization and then canceled my account immediately afterward, also without my authorization. I still have received no documentation, updates, or completed results. 

Credit Sage has only issued a partial refund of {$770.00}. In addition, the monthly membership fees of {$25.00} total {$150.00}, and these have not been refunded. My account was canceled last week, and I no longer have access to the portalit shows I am not a memberbut they still withdrew another {$25.00} on XX/XX/XXXX without authorization. 

Despite repeated assurances, over 150 days later, no items were removed, no documentation or meaningful updates were provided, and my account was canceled without my consent. I have paid a total of approximately {$920.00} for services that were never delivered. 

I have written proof of all communications and misleading assurances, including email confirmations, phone conversations, and screenshots of charges. 

I want a full refund of all money paid, including the remaining unauthorized membership fees, and written confirmation that no further charges will occur. I also want the company held accountable for misleading practices, stalling, and cancellation without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
XXXX years later we are getting bills requesting that we pay {$75.00} a month for not closing the HELOC out with XXXX XXXX which is now over {$600.00}. Threatening to go the legal route to get monies they think are owed to them. Documents have been sent to them CLEARLY stating the HELOC was to be satisfied and terminated the day of the closing. I could understand reaching out if the amounts were not correct at the closing time, but to wait 4.5 years to request that this be taken care of is absolutely absurd, and borderline harassment. I will NEVER do any type of business w/ this CO or it's affiliates. Shady work practices, don't earn trust. Trying to scare someone into thinking they owe that kind of money in this economy is criminal. Shame on you 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 monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
The company only provided a balance and billing statements. They did not provide documentation establishing legal responsibility, proof of an agency agreement or authority to collect, or other information requested under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
We contacted XXXX XXXX from Union home morgage back on Friday XX/XX/year>. We were building a home in XXXX Ohio. According to him back in XXXX we were all ready to go with a VA loan. Just waiting for the XXXX  day mark from the builder. XXXX insisted on us paying the appraisal fee of {$620.00} with a credit card. I told him I will not let you put a credit card on file that we would be sending a check in. He told title company, and builders ( main people ) we were all ready to go just waiting for them. He did not read the appraisal for the VA correctly, he said he had everything he needed for the VA loan from my husband months before. XXXX days before XXXX  closing he had to change the closing and switch us to a Conventional loan. Payment went up a little. Meanwhile we did an early occupancy. If the loan did not close on a certain date we had to pay {$150.00} a day. Second closing was set for XXXX. XXXX final numbers nothing the morning of XXXX. No communication. We have the builders main people calling us finding out what the delay was. They called him out making XXXX big mistakes during this whole process. The title company was calling and texting us throughout the day XXXX. Wanted us to tentatively put down a time bc they were not from our area. I refused bc we did not have any final numbers. After leave multiple texts, phone calls, from us, project XXXX, sales XXXX, title company to him .. We finally got the final numbers late XXXX. Third closing set for today XXXX. Theres additional appraisal fees we are paying when we already paid {$620.00} and a {$300.00} late closing fee. This process was a complete nightmare when we had more than enough time to have it be a smooth process if he knew what he was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Recovery Systems LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding Credit Recovery Systems for furnishing inaccurate, misleading, and unlawfully re-aged information to consumer reporting agencies, and for failing to correct or delete the account after receiving notice of these inaccuracies. 

Credit Recovery Systems is reporting a collection account on my credit file with manipulated and inaccurate dates, which has the effect of unlawfully extending how long the account remains on my credit report. 

Specifically : The account reflects a Date Opened of XX/XX/XXXX, yet it continues to be updated monthly through XXXX despite no payment, no new agreement, and no legitimate activity that would justify continued updates. The reporting fails to accurately reflect the true Date of First Delinquency (XX/XX/XXXX ) as required by the Fair Credit Reporting Act. This pattern of reporting constitutes illegal re-aging, which is prohibited under 15 U.S.C. XXXX ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Went to withdraw money at Citibank atm XXXX XXXX XXXX back in XXXX the atm machine that I use did. It open or dispance the money and XXXX  gave me refund but Citibank disputed stated that it gave me money

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 2025-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
XXXX billed me {$170.00} for a mobile service that was never activated, never delivered, and never used. Despite my repeated requests, XXXX has failed to provide any proof that the alleged service was ever activated or rendered. Instead, XXXX improperly referred the account to a third-party collection agency, resulting in inaccurate credit reporting and XXXX XXXX damage. 
XXXX claims that I incurred charges for XXXX  Mobile service allegedly associated in XX/XX/XXXX when I lived at my former address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. This service never occurred Specifically : No mobile line was activated No SIM card or usable service was provided No usage ( voice, data, or text ) ever occurred No signed service agreement or valid authorization exists I disputed the charges directly and requested proof that the service was activated and used. XXXX failed to provide any documentation showing : Service activation records Usage logs A signed or legally binding agreement A valid service start date Despite the lack of evidence, XXXX sent the account to collections, where it is now being reported to consumer reporting agencies as a valid debt. 
XXXX actions violate multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverified information to consumer reporting agencies Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
By placing an unverified and invalid debt with a collection agency Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Billing for services never provided and causing credit harm without substantiation Reporting a debt for a service that never existed is inherently inaccurate and deceptive. 
As a direct result of XXXX failure to validate this alleged service : My credit score has been negatively impacted I have experienced financial and reputational harm I have spent significant time and effort correcting an error that should never have occurred

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
They said they would cease and desist, but they have continued to consistently call me as they are and filling up my voice mailbox keeping me from other vital appointments and messages. This is becoming very serious and to the point where my next step is going to be legal action. I can't afford to have a filled mailbox only from them -Credit management

Company response to consumer: Closed with explanation