vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: AZ

Complaint narrative:
XXXX XXXX was advertized as a septic service on XXXX. I thought I needed a septic pump. They came up and said I needed a whole new drainage system. They charged a lot but it was an emergency. XXXX dollars. I am XXXX on a fixed income. They said you can make payments of 139 a month. That was a lot but I was desparate. I believed them. They never told me who I would be making payments to. It was Greensky. I had never heard of them. XXXX did the application. I did not. It was approved. I have good credit. They didn't explain anything about it. I found out later that Greensky has a bad reputation. I am now told I have 6 months to pay it off by them or I have to pay the 139 a month plus large interest rates at 19 to 25 percent varitable rates. I would never have agreed to that. XXXX XXXX really didn't even do a good job. I had to call them to snake already. They didn't even replace the existing plumbing. They dug a ditch and put the drainage outside. It may have needed work but other plumbers are telling me in the area that I was overcharged. XXXX XXXX is in XXXX, AZ and not even here in XXXX where I live. They did it in 2 days and charged me XXXX dollars. I have contacted legal aid. I may get more info later from Greensky but so far not much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
I am writing to formally dispute several inaccurate entries and unauthorized accounts that have appeared on my credit report. Upon careful review of my credit file, I have identified multiple discrepancies that require immediate investigation and correction. 

The presence of these erroneous items has significantly impacted my creditworthiness and has caused substantial detriment to my financial standing. These inaccuracies have adversely affected my ability to secure favorable lending terms and have caused considerable harm to my overall credit profile.

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 2025-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My husband and I went through the steps to request PMI be removed from our mortgage during the summer of XXXX, completing the paperwork and scheduling an appointment with the XXXX selected by the mortgage company ( then Caliber Home Loans ). Our request to remove PMI was approved on XX/XX/XXXX, with the total mortgage payment reduced to remove the PMI payment of {$300.00} beginning XX/XX/XXXX. Our loan was transferred to NewRez mortgage immediately after this communication, and I called NewRez in XX/XX/XXXX to confirm that they had the documentation necessary to ensure the PMI removal was honored - they confirmed they had the necessary documentation and acknowledged PMI would not be charged. 

The first statement from NewRez, dated XX/XX/XXXX, did not include PMI, nor did the subsequent statements from XX/XX/XXXX through XX/XX/XXXX. Then, on the statement dated XX/XX/XXXX, NewRez began charging PMI again, and added an additional charge that month to go back and pick up PMI from XX/XX/XXXX through XX/XX/XXXX. As a result, even though we went through the steps to have PMI removed and it should have been removed beginning XX/XX/XXXX ( as communicated by Caliber and acknowledged by NewRez ), we have been charged PMI every month since then and are still paying PMI to this date, resulting in a total overpayment to date of {$6300.00}. 

We have asked for the following to rectify the situation : 1 ) Immediately adjust the mortgage payment to reflect that PMI is not owed on the account.

2 ) Process the refund ( which continues to accrue ) and send that overpayment to us. 

We have asked NewRez for the above remedy, and have had no success in getting resolution to this date. I personally have called at least XXXX times since XX/XX/XXXX, have filed " complaints '' while on those calls, have spoken to multiple supervisors ( XXXX XXXX and XXXX XXXX XXXX, and was promised a resolution date of XX/XX/XXXX. When that resolution date was missed, I was not given a new timeline, and still can not get anyone to tell me when this will be resolved. I have been told multiple times that they are taking the issue seriously and will call me or email me with updates, but have had no calls back and only XXXX email update that stated the issue was still ongoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15

U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1.Actual veri
fication of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXXXXXX XXXX XXXXXXXX

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 2025-06-09 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: NY

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports and discovered multiple unauthorized accounts and hard inquiries that I did not open or authorize. I believe I am a victim of identity theft. 

These fraudulent accounts and inquiries are severely impacting my credit score and preventing me from moving forward with essential life goals. Most critically, I am in the process of purchasing a home for my family, and this situation is blocking my ability to qualify for a mortgage. 

The unauthorized accounts include, but are not limited to : XXXX XXXX Opened XX/XX/XXXX, credit limit : {$500.00} XXXX XXXX XXXX Opened XX/XX/XXXX and XX/XX/XXXX, balances : {$1700.00} and {$460.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, charged off XXXX XXXX ( formerly SIMP ) Opened XX/XX/XXXX, balance : {$1700.00} XXXXXXXX XXXX Opened XX/XX/XXXX, credit limit : {$1000.00}, balance : {$1300.00} ( Note : I was unable to include XXXXXXXX XXXX in the FTC Identity Theft Report due to a system limitation, but it is a fraudulent account and should also be addressed. ) I did not authorize these accounts or credit applications, nor have I ever conducted business with these institutions. Furthermore, I am requesting the immediate removal of all related hard inquiries, as they were made without my consent. 

Legal Protections Supporting My Request : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I have the right to request the blocking of fraudulent information that results from identity theft.

The Fair and Accurate Credit Transactions Act ( FACTA ) an amendment to the FCRA gives consumers the right to place fraud alerts and remove fraudulent accounts from their credit file.

According to 15 U.S. Code 1681i, credit bureaus are legally required to reinvestigate and remove inaccurate or disputed information within 30 days of the request. 
I have also filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) to support this claim. 
Request : I respectfully demand that all affected credit reporting agencies ( TransUnion, Equifax, Experian ) and listed financial institutions : Permanently delete the fraudulent accounts and associated data. 
Remove all unauthorized hard inquiries tied to these accounts. 
Update my credit file to reflect an accurate and verified history. 
This issue is urgent and deeply personal. I am trying to provide safe, permanent housing for my family, and this unjust damage to my credit report is preventing me from achieving that goal. I request your immediate attention and cooperation in correcting my credit file. 

Thank you for your time and for taking this matter seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit reports and discovered multiple unauthorized accounts and hard inquiries that I did not open or authorize. I believe I am a victim of identity theft. 

These fraudulent accounts and inquiries are severely impacting my credit score and preventing me from moving forward with essential life goals. Most critically, I am in the process of purchasing a home for my family, and this situation is blocking my ability to qualify for a mortgage. 

The unauthorized accounts include, but are not limited to : XXXX XXXX Opened XX/XX/XXXX, credit limit : {$500.00} XXXX XXXX XXXX Opened XX/XX/XXXX and XX/XX/XXXX, balances : {$1700.00} and {$460.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, charged off XXXX XXXX ( formerly SIMP ) Opened XX/XX/XXXX, balance : {$1700.00} XXXXXXXX XXXX Opened XX/XX/XXXX, credit limit : {$1000.00}, balance : {$1300.00} ( Note : I was unable to include XXXXXXXX XXXX in the FTC Identity Theft Report due to a system limitation, but it is a fraudulent account and should also be addressed. ) I did not authorize these accounts or credit applications, nor have I ever conducted business with these institutions. Furthermore, I am requesting the immediate removal of all related hard inquiries, as they were made without my consent. 

Legal Protections Supporting My Request : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I have the right to request the blocking of fraudulent information that results from identity theft.

The Fair and Accurate Credit Transactions Act ( FACTA ) an amendment to the FCRA gives consumers the right to place fraud alerts and remove fraudulent accounts from their credit file.

According to 15 U.S. Code 1681i, credit bureaus are legally required to reinvestigate and remove inaccurate or disputed information within 30 days of the request. 
I have also filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) to support this claim. 
Request : I respectfully demand that all affected credit reporting agencies ( TransUnion, Equifax, Experian ) and listed financial institutions : Permanently delete the fraudulent accounts and associated data. 
Remove all unauthorized hard inquiries tied to these accounts. 
Update my credit file to reflect an accurate and verified history. 
This issue is urgent and deeply personal. I am trying to provide safe, permanent housing for my family, and this unjust damage to my credit report is preventing me from achieving that goal. I request your immediate attention and cooperation in correcting my credit file. 

Thank you for your time and for taking this matter seriously.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: NC

Complaint narrative:
Tried to make payment online and I was unable to because it said there was no representatives available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize for these companies to report this information to my credit profile.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple Card account, issued by Goldman Sachs, was compromised due to identity theft and XXXX swapping of my phone number in XX/XX/year>. Fraudsters accessed my account and made unauthorized charges. 

I promptly reported the identity theft to Goldman Sachs, provided an official identity theft/police report, and requested that all fraudulent charges be removed and my account protected. Despite this, Goldman Sachs closed my account and is now reporting it as delinquent to the credit bureaus. I did not authorize the disputed charges or request the account closure. 

I have repeatedly requested that Goldman Sachs correct my account status, remove all negative credit reporting linked to the identity theft, and reinstate my account, but the issue remains unresolved. This has caused significant financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formal address the fact that I have not received a response from Equifax concerning my dispute ( # XXXX - XXXX ) I sent the dispute in on XXXX/XXXX, regarding the inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within XXXX XXXX. However, the response period has passed, and I have not yet received any communication on resolution from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Dispute of Inaccurate Reporting - ACCOUNT ENDING IN XXXX Dear Equifax, XXXX, and XXXX, I am writing to express my extreme frustration and disappointment with the continued inaccurate reporting of the above-mentioned account. Despite my repeated disputes, your agency has failed to accurately investigate and correct the errors. 


-XXXX  XXXX ACCOUNT ENDING IN XXXX This account has been reported as charged off, and reporting is innacurate I did not contract with your agency, and there is no valid basis for the debt. Your agency 's failure to investigate and correct the errors has caused me significant harm, including damage to my credit score and financial reputation.

I demand that you : 1. Immediately cease all reporting of this account until a thorough investigation is conducted.

2. Conduct a comprehensive investigation into the validity of the debt. 
3. Provide me with documentation supporting the debt, including the original contract and proof of assignment.

4. Correct the inaccurate reporting and notify the credit bureaus to remove the erroneous information. 

If I do not receive a satisfactory response within XXXX XXXX  of this notice, I will pursue all available legal remedies, including filing complaints with regulatory agencies and seeking damages. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I got scammed on XX/XX/XXXX by sending money to a scammer which I originally thought was real but they were just a copy of the real account that I wanted to get my item from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I have called and reported severals times that I am unable to make payments and view online states ments. Yet. I am receiving collection calls and late fees. I have XXXX told XXXX  a case was open, then I receive an email the case is closed without a resolution. I need to make online payments and I need a monthly statement with my due date.

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