vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: GREENSKY OPERATIONS, LLC
State: IN

Complaint narrative:
I am reporting XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX  for furnishing an alleged debt to credit bureaus that I do not recognize and which remains unverified. I filed a police report due to suspected fraud. I have XXXX XXXX ( XXXX ), use a XXXX, and live on a fixed income, which makes the continued reporting of this false debt especially harmful.I previously sent legal notices to the furnishers requesting validation per 15 U.S.C. 1692g ( b ) ( FDCPA ), and full documentation including a wet-ink signature, ID, and Social Security number . I received no response. Continued reporting without verification may violate 15 U.S.C. 1692e ( 8 ) ( false credit reporting ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA duty to report accurately ). Failure to investigate disputes also violates 15 U.S.C. 1681i ( a ). I am requesting immediate investigation, removal of the unverified accounts, and enforcement of my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Trying to book hotel by paying for hotel ahead of time. Entire payment, security fees, incidentals. Proactively working ahead of time for when I arrive in XXXX XXXX XXXXXXXX at the Hotel there will not need to be anything additionally confirmed. Everything will be handled ahead of time. 

Capital One locked my card, making it difficult to move forward in traveling by booking a hotel room. The card is supposedly unlocked and able to be used. This happening a day and a half before flying across the country. Things have been rectified as of right now. I spoke with the hotel and the card has been successfully ran. Hoping there isn't a cancelling/reversal. 

Understandable capital one is working to prevent fraud. I wish there was a better way to alleviate problems for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I Have Been Dealing With Complaints Via CFPB and Wells Fargo. Getting no XX/XX/XXXX and going with XX/XX/XXXX with CFPB and OCC. My case worker XXXX Wells Fargo XXXX XXXX stating in emails that I am complaining about now. She sent me about XXXX Account Statements through email and I have been Hijacked for that email as Wells as the list of CFPB emails losing with you Lady 's and Gentleman. I would like to get all my statements she sent me in Secure Emails. I also gave her ( XXXX ) and CFPB complaints about all the money take in XXXX From my Wells Fargo Checking Accounts, XXXX and XXXX XXXX that wasn't to my knowledge of ownership and definitely not the funds. Reporting that and XXXX new account numbers from Wells Fargo I discovered. XXXX XXXX does not let me open a bank account anywhere cause of the largest sums of money I was trying my best to get from my Wells Fargo Checking Account. Every Bank says the checks bounced Wells Fargo still looking into this. when I did get a response from the pressure of me contacting XXXX  about Wells Fargo Slow Response and me asking for my statements from a Wells Fargo Branch and the email went as everything I asked was not I originally asked. Example if large amounts I questioned the wrong date and or account number was wrong. Questions I asked was not answered after 5 months of Wells Fargo responding after responding to OCC first in XXXX. Every branch has the XXXX decision on opening me a new account. And XXXX told me after I gave them cash money I could get my account back but last min I find out different. XXXX XXXX says the same. Yet banks lying against XXXX XXXX  report asking like were did u get this and what is it? I am still trying to have my XXXX the banks ruined last year but I won't give up!!

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital has assumed fraudulent debt to be mine. Pursuant to privacy act of 1074 my information has been compromised and used without my authorization also 15usc1682c-2 why inaccurate information has to be removed ftc report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I

am reporting accounts on my credit report, which were made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX ] [ XX/XX/2022 ] [ XXXX XXXX ] [ XX/XX/2022 ] [ XXXX ] [ XX/XX/2022 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I would like the following charge off accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : Section 607 15 USC 1681 ( E ) Compliance Procedures 15 USC 1666 Correction of Billing Error I need your help in a serious matter involving my credit report. After reviewing my credit, I realized that you might be reporting damaging information to my name. Please review the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that these account ( XXXX ) have a charge off status and yet there is a past due balance on this report, do you know that is a violation? I urge your agency to reinvestigated this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate either. Delete this due to multiple violations. 

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

After you have finished my request, send me a copy of my credit report reflecting these changes.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received my request from Equifax for my report after I have paid down my credit debt and paid off my Auto loan never missed a payment to get my title so I could sell the truck or trade in but my Score lost over XXXX points all of my credit cards are under 20 % utilization never miss payments and I am thinking my score will go over XXXX but it went to XXXX I find this unlawful and will be contacting an attorney and the media this is slander why do you do the right thing and you lose XXXX points My XXXX XXXX is from 1998 but my avg length of credit is 6.5 years again another mistake then My address I live on XXXX XXXX XXXXXXXX not XXXX XXXX 30 years never taken off I dont know where XXXX XXXX is So I need help big time and I will seek legal action if not corrected Im disgusted by this model of credit they use its disgusting I am requesting an immediate investigation into this matter I will call my congressmen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$700.00} XXXX # XXXX XX/XX/XXXX -- {$660.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I was never contacted by debt collector MyEdDebt about my XXXX XXXX Student loan, never sent an email, letter or phone call attempting to notify me that my student loan for {$1000.00} taken out in XXXX was due and in default until I checked my credit score and contacted the federal student loan company to find the debt collector on XX/XX/XXXX, on XX/XX/XXXX I was informed the debt was in collections by the Federal Student Loan website via email, which also had never informed me of this debt prior, and I have other consolidated loans with. On XX/XX/XXXX I paid the debt in full, {$1600.00}. The debt is still on my credit score as unresolved even though both the collector and the federal student lender have acknowledged the debt is paid in full. 
The debt collector when I contacted on XX/XX/XXXX said they had my address from college in XXXX, the federal student loan company which sent this debt to this collector has had an updated address for me since my loans came due after college in XXXX. To my knowledge I was not informed of this debt with the intention of collecting interest. Im complaining about this as it seems fraudulent considering I am aware of the other XXXX XXXXXXXX federal loan debt I have from college. This debt is still effecting my credit negatively even though I was not informed it existed and paid it in full within 1 month of learning of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 submitted a dispute regarding an account from XXXX XXXX XXXX Experian credit report. The account was opened on XX/XX/XXXX, with a balance of {$42000.00}. Experian is reporting it as foreclosed with a {$0.00} balance as of XX/XX/XXXX, but is also reporting late payments ( XXXX, XXXX, XXXX XXXX XXXX XXXX  ) after the foreclosure, which is misleading and likely illegal " re-aging '' of the account. 

This account does not appear on XXXX  or XXXX, showing an inconsistency and incomplete reporting by Experian. I requested Experian to provide documentation used to verify the information, but no evidence or explanation was provided. Instead, they issued a generic response confirming the account was verified without showing how. 

This violates the Fair Credit Reporting Act ( FCRA ), including : 1681i ( a ) ( 1 ) ( A ) No reasonable reinvestigation 1681i ( a ) ( 6 ) ( B ) ( iii ) No disclosure of verification method 1681e ( b ) Incomplete and inaccurate reporting 623 ( a ) ( 2 ) and ( a ) ( 5 ) Improper reporting and re-aging I am attaching a copy of the credit report showing the inaccurate account, the CFPB case reference # XXXX, and my formal final notice letter to Experian.

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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My loan was purchased without my knowledge by Fay Servicing. As a result, I wasnt informed as to who purchased it until I got a certified letter. I immediately contacted them and asked for a hardship to make my missed payments. I was informed as to what information was needed. I sent them everything receiving confirmation that they got it. I then waited for weeks for an answer from them. I called a minimum of XXXX XXXX over a XXXX XXXX  period to always get this answer your single point of contact is not available at this time, leave a message and we will call you right back. They do not call back. I then got a single call informing me that they didnt receive XXXX part of what was sent. I informed them that I had confirmation that they did receive it. He blatantly denied it. This was the only call back in months. Ive now called him back XXXX XXXX in XXXX weeks to get the same answer of youre single point of contact is not available please leave a message and we will call right back. Due to the run around that Ive gotten, there is no possibility of me being to now make up the payments missed all at XXXX time. I did go online and created an account. I made that months payment at that time. When I log in now, there is no option for me to make any payments. It says I owe starting XX/XX/year>. They didnt own my house until XXXX. I made my XXXX payment to my previous mortgage owner. I am now dealing with Fay Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
I am disputing a {$1900.00} debt Bounce AI placed on my credit report. They are collecting on behalf of XXXX, who issued a bond to XXXX XXXX, my former landlord at XXXX XXXX XXXX in Alabama. 

I ended my lease early, but the signed lease contains no clause discussing lease break fees or early termination penalties. Alabama does not require such a clause, but without one, there was no written agreement authorizing a fee of {$1900.00}. 

I provided the full lease to Bounce AI and asked for validation. They told me to contact XXXX. XXXX  has not provided any contract or documentation proving I owe the amount. XXXX XXXX refuses to remove the charges. 

The debt is being reported based on a lease bond payout that should have required verification. Since no clause or written agreement exists showing I owe this amount, the collection is invalid under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$700.00} XXXX # XXXX XX/XX/XXXX -- {$660.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Never have have I asked for a loan at XXXX XXXX for XXXX also jpmc card for XXXX need to pay monthly XXXX  and the XXXX XXXX monthly.  XXXX XXXX phone # is XXXX XXXX  please help this is fraud I want this to go away thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am the victim of identity theft, and Equifax has failed to take required action under federal law. 

On XX/XX/year>, I submitted a full identity theft packet to Equifax, including : FTC Identity Theft Report XXXX XXXXXXXX A sworn statement/affidavit Government-issued ID Proof of address Written request under FCRA 605B to permanently block all fraudulent accounts Despite being in receipt of these documents ( with delivery confirmation ), Equifax has continued to report multiple accounts that are the direct result of identity theft, causing me serious harm, credit denials, and financial damages. 

The following accounts should have been blocked under federal law within 4 business days : XXXX XXXX XXXXXXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX card account ending in XXXX XXXX XXXXXXXX XXXX XXXX accounts ending in XXXX and XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Rental collection ending in XXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX Equifax is in violation of multiple sections of the Fair Credit Reporting Act, including : 605B [ 15 U.S.C. 1681c-2 ] failure to block identity theft accounts within 4 business days.

611 [ 15 U.S.C. 1681i ] failure to reasonably investigate disputed accounts within 30 days.

607 [ 15 U.S.C. 1681e ] failure to maintain reasonable procedures to ensure maximum possible accuracy. 

I have provided Equifax with everything they are required to receive to lawfully delete or block the fraudulent information. As of this complaint, the accounts remain on my file, damaging my credit standing and violating my rights. 

I request CFPB intervention to compel Equifax to take action in accordance with federal law and provide written confirmation of permanent deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service International Corp
State: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT SERVICE INTL XXXX XXXX5XXXX CREDIT SERVICE INTL XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT SERVICE INTL XXXX XXXXXXXX CREDIT SERVICE INTL XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
This account has been paid in full, yet it is still negatively impacting my credit report. Please update your records immediately to reflect the correct status or remove the account entirely from my report, as it is not providing a fair representation of my current creditworthiness. im in the process of buying a home for me in my family this effecting the process Please remove those accounts as soon as possible

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