vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint because CitiBank/CBNA is furnishing inaccurate, contradictory, and incomplete information about my credit card account across the credit reporting agencies. Citi has failed to correct these errors after my disputes and has not provided the documentation I requested to verify the reporting.

1. Citi is reporting contradictory account statuses across the three bureaus XXXX XXXX  Closed / Derogatory / Bankruptcy wage earner plan XXXX  : Closed / Derogatory / Bankruptcy wage earner plan XXXX XXXX OPEN, no bankruptcy notation, payment status Unknown, and no delinquency information These statuses can not all be accurate simultaneously. An account can not be OPEN on one bureau and CLOSED on the others. This violates FCRA 1681s-2 ( b ) because Citi failed to provide consistent and accurate information when responding to reinvestigation requests. 

2. Citi is missing required bankruptcy indicators on some bureaus Citi reports bankruptcy information to certain credit bureaus but not others. This is inconsistent and misleading and violates Metro 2 furnishing standards and FCRA 1681s-2 ( b ). 

3. Citi failed to conduct a reasonable investigation I disputed the inaccurate information through the credit bureaus. Citi verified the account through automated e-OSCAR coding but did not correct any of the contradictions or provide documentation supporting the furnished information.

I requested verification of : The account status ( OPEN vs. CLOSED ), Bankruptcy coding, Payment rating, Metro 2 fields, and Any documents Citi used when verifying the account.

Citi did not provide this information. 

XXXX XXXX recently stated there may be potential fraud involved In a separate CFPB complaint ( No. XXXX ), XXXX stated : There may be potential fraud involved.

This demonstrates that Citis furnished data is unreliable, inconsistent, and could not be verified by XXXX 

XXXX. Harm Citis inaccurate and contradictory reporting is damaging my credit, interfering with my bankruptcy recovery process, and causing emotional and financial harm. These furnishing errors persist despite multiple disputes.

Requested Action I am requesting that Citi : Conduct a manual, documented investigation under FCRA 1681s-2 ( b ).

Provide all documentation used to verify the furnished data.

Correct or delete the account if Citi can not ensure accurate and consistent reporting across all bureaus.

Citis current reporting is inaccurate and unverifiable and violates FCRA requirements.

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 2025-12-08 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I placed and order with XXXX XXXX with XXXX XXXX on XX/XX/XXXX using the XXXX XXXX credit card and was charged {$120.00}. They sent the order out using XXXX shipping. XXXX notified me that I would receive the order on Monday XX/XX/XXXX. I used my work address because I would not be home. I stated to them in their app that this is a business that is open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On Sunday XX/XX/XXXX, XXXX sent a text stating that they were delivering the order that afternoon. I replied to their texts and reminded them that the address they were going to is a business. They never responded yet sent alerts that they were on the way. They ended up leaving the package at the business address and before I could get to it, it was stolen. 
I repeatedly reached out to XXXX and they have not responded. Their website says to contact XXXX XXXX, the merchant as they are just the shipper. They said that XXXX XXXX has agreed to this agreement. 

This is on XXXX 's Website.. 
" Lost package : If you believe your package is missing after delivery, please follow these steps : 1 ) Review the delivery photos we sent for visual confirmation of the delivery location. 2 ) Check with other members of your household to ensure they haven't already received the package. 3 ) Contact XXXX XXXX at XXXX to open an investigation into the issue. 



Upon verification of a lost package, XXXX will update the order accordingly and the result will be available for merchant review immediately. 
XXXX does not process or issue claims payments directly to consumers. All reimbursements or resolutions will be managed through the merchant based on the merchant 's own policies. 
If a package is lost, the customer must contact the merchant from whom the purchase was made. The merchant is responsible for initiating the claims process with XXXX. '' I reached out to XXXX and they never responded. XXXX XXXX said they would investigate and it would take XXXX days yet I have heard nothing from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-12-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life . Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life . Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-12-08 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: MN

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized.

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 2025-12-08 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: FL

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ), 12 CFR 1024.35, regarding PHHs failure to properly and timely disburse myXX/XX/XXXXXXXX XXXX taxes from escrow. 

Timeline of Events : On XX/XX/year>, I formally notified PHH that the XX/XX/XXXXXXXX issues separate tax bills for land and building, and that two separate tax bills are due each summer and winter. 
On XX/XX/year>, I transmitted both officialXX/XX/XXXX tax bills in PDF format to PHH. 
On XX/XX/year>, PHH confirmed receipt of these tax bills in writing and stated they were forwarded to the tax department. 
On XX/XX/year>, PHH paid only the land tax bill and failed to pay the building tax bill, despite having timely notice of both obligations. 
On XX/XX/year>, I requested confirmation of payment from PHH and was advised on XX/XX/year> that only one bill had been paid ( the first half of the land tax bill, totaling {$19.00} ). 
On XX/XX/year>, I re-sent the same tax bills. 
On XX/XX/year>, PHH confirmed that records had already been updated in XXXX and that the bills were again forwarded to the tax department. 
On XX/XX/year>, PHH escalation representative XXXX verbally confirmed that PHH would cover interest and late fees charged by the XXXXXX/XX/XXXXXXXX due to the late payment of the building tax bill. 
Due solely to PHHs failure to timely pay the building tax bill, the XXXXXX/XX/XXXXXXXX assessed {$140.00} in interest and late fees on XX/XX/year>. 
On XX/XX/year>, PHH improperly added these penalty charges to my escrow account. 
I disputed these charges in writing on XX/XX/year>. 
On XX/XX/year>, PHH incorrectly denied responsibility and advised that I must pay these charges. 
On XX/XX/year>, I sent a Notice of Error letter to PHH. 

PHHs actions constitute : Failure to make a timely tax disbursement from escrow under 12 CFR 1024.35 ( b ) ( 6 ) Improper escrow account administration under 12 CFR 1024.17 ( k ) These penalties and interest were caused solely by PHHs servicing failure. I provided timely notice, complete documentation, and repeated follow-ups well in advance of the XX/XX/year> due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fsrgo reporting previous response remains the same. Signature on documents remains in question. Location of signing and name of notary present at this signing we are disputing. 
Would like to know involvement of XXXX with authorization of this loan. 
The benefactors of these fund. No record of my banks receiving any of these funds.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
The company is requiring documentation that doesnt exist. I cant provide it. They are requesting self employment documentation and business tax returns neither of which I have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit report. Please investigate these items for accuracy, as I believe they may not meet the Fair Credit Reporting Act 's ( FCRA ) requirement for maximum possible accuracy. 

Charged Off : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$210.00} UPGRADEINC, Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} Inquiries : XXXX CARD, Date : XX/XX/XXXX SCREENING REPORTS XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX * * * * DOE XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXXXXXX XXXX  and Midland Credit Management for Improper Account Handling and Invalid Debt Reporting To Whom It May Concern, I am submitting this complaint regarding XXXX XXXXXXXX XXXX and Midland Credit Management ( MCM ) concerning the creation, reporting, and collection of an invalid debt originating from an account that had a {$0.00} balance. 

Summary of the Issue : - I previously held an account with XXXX XXXXXXXX XXXX 

- After paying the balance, the account showed a {$0.00} balance. 

- I contacted XXXX by phone, and a representative confirmed that the account had a {$0.00} balance and was closed. 

- Despite this, XXXX did not actually close the account, and I was never informed of any continued activity. 

- Comenity then began adding monthly fees for late payment to an account that I was led to believe was closed and settled. 

- These charges accumulated without my knowledge. 

- XXXX eventually sold this invalid debt to Midland Credit Management, which is now attempting to collect a balance of {$250.00}. 

Why This Debt Is Invalid : The account had a {$0.00} balance at the time I was told it was closed. 

- Comenity confirmed by phone that the account was closed and settled. 

- Any fees added afterward were done without notice and on an account I had no reason to believe was still open. 

- The continued addition of fees after a confirmed closure constitutes improper and deceptive account management. 

- The sale of this artificially created balance to a third-party collector is unfair, deceptive, and abusive, violating principles outlined in the FDCPA and Regulation Z ( Truth in Lending Act ).

Harm to Me : - I am now faced with an invalid debt of {$250.00}.

- Midland Credit Management is contacting me for payment on a debt that should not exist.

- This situation may cause credit report damage, financial stress, and unnecessary time spent disputing an error created by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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