vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Unauthorized companies have accessed my credit report, damaging both my credit and my score. I had reached out to your agency about this and was promised by a representative that these inquiries would be removed yet theyre still there. That broken promise is deeply troubling.

The fact that these possibly fraudulent inquiries remain is alarming and suggests a real risk of identity theft. This ongoing issue is taking a serious toll on me, both emotionally and financially. Im urgently asking that you investigate this matter immediately and remove all unauthorized inquiries from my credit report without further delay.

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 2025-06-03 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from m
y credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
I am submitting this complaint to formally report GreenSky for failure to provide access to account information and for neglecting to offer any support or hardship accommodations during a documented period of financial crisis caused by XXXX XXXX, homelessness, and unemployment. 



Background : I am a XXXX XXXX XXXX who became homeless in XXXX, which led to a complete loss of income and housing. I have recently resumed employment and am working to regain financial stability. I have documentation from a recognized nonprofit womens organization ( XXXX XXXX XXXX XXXX XXXX  XXXX that confirms my status and financial vulnerability.

Despite my willingness to reinstate payments and work in good faith with GreenSky, I have encountered systemic barriers when attempting to contact the company. 


Complaint Details : I have called GreenSky multiple times at XXXX, providing both my Account Number ( XXXX ) and Application ID ( XXXX ) as listed on my GreenSky statement. 
Each time, GreenSky representatives failed to locate my account, preventing me from accessing information, negotiating a payment plan, or receiving any meaningful support.

As of this complaint, no resolution or alternate access method has been provided, despite my repeated efforts to communicate and my urgent need to resume a realistic payment plan. 


This experience not only compounds the trauma I have endured but reflects gross negligence and a lack of consumer protection protocols on the part of GreenSky. Financial institutions are expected to offer compassionate and reasonable accommodations to verified survivors of XXXX XXXX under consumer protection guidance and fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX PXXXX XXXX XXXXXXXX CREDIT COLLECTION SEVICES XXXX I am disputing these THREE, and you have 4 working days as of XXXX. XXXX I will sue you after this day, will expect a response within this 4 working days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX I am disputing these THREE, and you have 4 working days as of XXXX. XXXX I will sue you after this day, will expect a response within this 4 working days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am requesting a full validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all necessary documentation to verify that the debt is accurate, that I am legally obligated to pay it, and that your agency has the authority to collect on it. This includes, but is not limited to, a copy of the original signed agreement, a detailed account history, and verification of your legal right to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was incarcerated and my uncle open an auto in my name through Wells Fargo. Wells Fargo provide the contract but I was in jail at the time and they keep verifying the account. I didnt open the car. Ive sent in police reports, FTC reports and nothing has been done. The phone number on the account isnt associated with me.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: One Source Technology
State: TX

Complaint narrative:
In response to a recent phone call I received from your office regarding personal verification. I am providing the requested information to assist in resolving this matter as quickly and accurately as possible.

I would also like to formally state that the item in question is negatively impacting my credit report and is having a serious effect on my overall credit standing. I believe this information may be inaccurate, incomplete, or possibly the result of identity theft. As such, I am requesting a full investigation and immediate removal of the item from my record, in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681e ).

This issue is causing undue harm to my financial reputation and may affect my ability to obtain credit, employment, or housing. I am asking for your urgent attention to this matter and hope that by providing this verification, we can reach a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
I was sent a letter on XX/XX/XXXX that I was being placed on deferment while my payment was being process into an income based payment plan from the XXXX  plan. At this time my loan amount was for XXXX. On XX/XX/XXXX I received a letter saying that I remain on deferment but interest will continue to build, though a payment is not due and that I now have XXXX total loans. I was also then given a break down of the XXXX in interest that has accrued over the last XXXX months. This amount of interest is completely inaccurate for XXXX  months of deferment and I had been told interest would not build at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Evergreen Moneysource Mortgage Company
State: CA

Complaint narrative:
Summary of the Problem : I am filing this complaint regarding my mortgage loan with Evergreen Home Loans due to serious concerns about loan servicing practices, denial of proper communication access, and repeated references to a deceased co-borrower. 

Despite clearly communicating that I needed a 6-month forbearance to recover from financial hardship, Evergreen approved only a 3-month plan, without explanation or acknowledgment of the documented hardship I submitted. Additionally, I have requested to communicate in writing ( email or mail ), due to my limited phone access and a learning XXXX that requires me to process information in written form. Instead of accommodating this, they have XXXX my access to their online servicing platform, further impeding my ability to manage my loan. 

Most egregiously, Evergreen has repeatedly referenced my deceased aunt, the prior borrower, regarding payment responsibilities. This is despite my having submitted a death certificate to them months ago. These ongoing references are not only distressing and disrespectful, but they suggest their internal records are not being updated or maintained responsibly, raising potential compliance concerns under the RESPA and UDAAP standards. 

I am asking the CFPB to investigate Evergreen Home Loans for potential loan servicing violations, discriminatory or retaliatory communication restrictions, and harmful mismanagement of borrower records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I am filing this formal complaint against multiple furnishers and the three major credit reporting agencies ( Equifax, Experian, and TransUnion ) for their continued reporting of inaccurate and unverifiable negative information on my credit report. I have previously disputed the following accounts, and they were returned as 'verified ' without the required method of verification or legally acceptable supporting documentation. 

Accounts in question : XXXX XXXX ( Charge Off ) : {$500.00} XXXX XXXX XXXX  ( Collection ) : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Charge Off ) : {$1400.00} XXXX XXXX ( Collection ) : {$870.00} XXXX ( Paid Settlement ) : {$1200.00} Violations involved include : - * * FCRA 1681i ( a ) ( 1 ) ( A ) * * : Failure to conduct a reasonable reinvestigation. The responses I received were generic and did not provide documentation or identify the parties verifying the information.

- * * FCRA 1681e ( b ) * * : The reporting agencies are not ensuring the maximum possible accuracy of the data they publish.

- * * FCRA 1681s-2 ( b ) * * : Data furnishers are failing to correct or delete data they can not validate after notice of a dispute.

- * * FDCPA 809 ( b ) * * : Debt collectors associated with these accounts have failed to validate debts with legally sufficient proof.

- * * Metro 2 Compliance * * : Items marked paid or settled are still listed as charge-offs or collections, which is non-compliant and misleading to other creditors. 

Additionally, I am the victim of identity theft, as documented in FTC Report XXXX. XXXX. There are unauthorized credit inquiries listed on my Equifax report from the following companies that I did not authorize, initiate, or consent to : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I am filing this formal complaint against multiple furnishers and the three major credit reporting agencies ( Equifax, Experian, and TransUnion ) for their continued reporting of inaccurate and unverifiable negative information on my credit report. I have previously disputed the following accounts, and they were returned as 'verified ' without the required method of verification or legally acceptable supporting documentation. 

Accounts in question : XXXX XXXX ( Charge Off ) : {$500.00} XXXX XXXX XXXX  ( Collection ) : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Charge Off ) : {$1400.00} XXXX XXXX ( Collection ) : {$870.00} XXXX ( Paid Settlement ) : {$1200.00} Violations involved include : - * * FCRA 1681i ( a ) ( 1 ) ( A ) * * : Failure to conduct a reasonable reinvestigation. The responses I received were generic and did not provide documentation or identify the parties verifying the information.

- * * FCRA 1681e ( b ) * * : The reporting agencies are not ensuring the maximum possible accuracy of the data they publish.

- * * FCRA 1681s-2 ( b ) * * : Data furnishers are failing to correct or delete data they can not validate after notice of a dispute.

- * * FDCPA 809 ( b ) * * : Debt collectors associated with these accounts have failed to validate debts with legally sufficient proof.

- * * Metro 2 Compliance * * : Items marked paid or settled are still listed as charge-offs or collections, which is non-compliant and misleading to other creditors. 

Additionally, I am the victim of identity theft, as documented in FTC Report XXXX. XXXX. There are unauthorized credit inquiries listed on my Equifax report from the following companies that I did not authorize, initiate, or consent to : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2025-06-03 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: Nelnet, Inc.
State: MD

Complaint narrative:
In XXXX someone fraudulently appllied and received funds to attend XXXX. I became aware of this when I started receiving letters from Nelnet about repayment for this loan. I have never applied, received or attended any school on student loans. 
I submitted fraud documents with them as well as requested police reports. I am notifying XXXX XXXX XXXX XXXX  to document fraud and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
We were defrauded in XXXX XXXX at the XXXX shop. Some tainted skin cream was placed on our face, then we started feeling strange. We were rooked into getting our credit cards out while in a state of confusion of and taken advantage of. Chase card was maxxed out. High pressure sales tactics were used in addition to drugging us and offering shots of tequila. This company is very disreputable as any online search will show. Add to that it's a textbook scam location-Ship port in foreign country, currency exchange, language barrier, time constraints to return to ship, limited cell service and WI-Fi. 
We sent Chase and XXXX Dispute letters and Chase says the charges are valid, and XXXX says fraud has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-06-03 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: CT

Complaint narrative:
My information has been exposed in a national data breach. After reviewing my credit reports I have noticed accounts that I am not familiar with. I have asked the CRA 's for validation of debt but it has yet to be provided. I have submitted a FTC complaint. Please find the attached FTC report.

Company response to consumer: Closed with explanation