vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
RE : Debt Validation Request XXXX XXXX Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you claim I owe, which is reportedly connected to XXXX XXXX. I am requesting full debt validation as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
Let me be clear : I am not requesting a generic account statement or internal printout. I am demanding that you provide the actual, legally required documentation to validate this debt, including : ( XXXX ) A complete itemized breakdown of the alleged debt, showing how the amount was calculated from {$0.00} to the claimed balance. 

( XXXX ) A copy of the original agreement or contract bearing my signature, showing I had a legal obligation to XXXX XXXX. 

( XXXX ) The full chain of title including the assignment contract or purchase agreement between XXXX XXXX and your agency, proving you have the legal right to collect this debt and report it to the credit bureaus. 

( XXXX ) The name and address of the original creditor, and proof of the date of default or last payment. 

( XXXX ) The exact permissible purpose under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681b ) that allows you to report this account to consumer reporting agencies. 

( XXXX ) A copy of your state debt collection license, if required in my state, and the license number. 

Until you provide all of the documentation listed above, you are not permitted to continue collection activity, and you must immediately cease reporting this account to the credit bureaus. Any continued attempts to collect a debt that has not been properly validated is a violation of the FDCPA. 
You have 30 days from receipt of this letter to fully respond. If you do not provide the requested documentation within that time, or if you continue to pursue collection without providing it, I will have no choice but to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General ; Pursue legal action for violations of the FDCPA and FCRA. 

This is not a refusal to pay ; this is a request for validation made pursuant to federal law. Please also be advised that any future communication from your agency must be in writing only. You are not to call me or contact me by phone. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 2025-06-16 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: Evergreen Moneysource Mortgage Company
State: CA

Complaint narrative:
XXXX This is a follow-up to CFPB Complaint # XXXX as Evergreens response misrepresented the facts and did not resolve the issues raised. 

Evergreen claims they approved a 6-month forbearance on XX/XX/year>, but I received no confirmation by email or U.S. mail XXXX The only written notice I received was the XX/XX/XXXX approval for a 3-month forbearance, which I responded to with additional concerns and questions. Since that time, there has been no further direct communication through email or mail. 

I repeatedly requested contact via email and U.S. Mail only due to a reading XXXX and poor phone service ( my phone only works near XXXX ). Yet, Evergreen continued attempting contact through calls and secure messages, which require logging into a separate portal that I can not consistently access. This creates serious accessibility barriers for me. 

Additionally, Evergreen has continued to mail sensitive documents to outdated and unauthorized addresses, including my deceased aunts former residence. I have Informed Delivery screenshots proving this. Mailing private loan documents to third-party locations puts me at risk of identity theft and privacy violations. 

I also want to address their statement regarding my aunt. We were joint tenants with right of survivorship, not investors, and we did not put down 20 % as would be required for a rental investment loan. I am the surviving owner and should not be considered a co-borrower with an estate or deceased party. I am requesting that my aunt be formally removed from the loan due to her passing and our ownership structure. 

Evergreens loss mitigation process is also unnecessarily burdensome. I was offered a Flex Modification that extended my loan by 15 additional years, which I declined. They did not offer reasonable alternatives or follow up in a way that met my accessibility needs. They then falsely claimed a lack of response on my part. 

Finally, I should be able to pay my mortgage at any time without having to speak to a representative each time. Evergreens restrictions around payments and access are punitive, unnecessary, and create barriers to consistent payment and resolution. 



I appreciate CFPBs help ensuring fairness and compliance. These ongoing issues remain unresolved and are causing continued harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Acc. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$630.00} Subject : Formal Complaint Against XXXX XXXX XXXX for Failure to Validate Debt To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX regarding their failure to comply with my legal right to debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX is currently reporting one or more collection accounts to the major credit reporting agencies under my name. However, they have failed to provide any documentation to verify that this alleged debt is valid or that I am legally responsible for it. 

Despite requesting validation, XXXX XXXX has not provided : A copy of any original contract or agreement bearing my signature. 

Statements or records showing I incurred the debt. 

Proof of legal assignment of the debt from the original creditor to XXXX XXXX XXXX. 

Any documentation confirming the amount of the debt and how it was calculated.

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until proper validation has been provided. XXXX XXXX has continued to report this debt to credit bureaus without fulfilling this obligation. This not only violates federal law, but also causes undue harm to my credit and personal well-being. 

I am requesting the following actions : 1. Immediate investigation into XXXX XXXX XXXX 's collection and reporting practices. 

XXXX. Removal of the unverified account ( s ) from all credit bureaus as they are unsubstantiated and therefore inaccurately reported.

3. Enforcement of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of unverifiable or inaccurate information.

I am attaching a copy of my credit report showing the account ( s ) in question. Please consider this an official request for assistance in resolving this matter, as my rights as a consumer are being violated. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2025-06-16 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: MI

Complaint narrative:
Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX Equifax Information Services, LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report . 

Please verify or remove immediately the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX Account Name : XXXX XXXX XXXX XXXXccount number XXXX Account status : closed Date opened XXXX XXXX XXXX  This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. 
Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal XXXX  Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
On XX/XX/2025, I sent a certified letter to Security Credit Services , LLC requesting validation of a debt in the amount of {$2900.00} that is currently being reported on my credit reports. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

To this date, I have not received any response or documentation that legally substantiates the debt. In my letter, I specifically asked for : The name of the original creditor A detailed breakdown of the charges A copy of any signed contract or agreement This debt continues to be reported to the credit bureaus without proper validation, which I believe constitutes a violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: 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 verification 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. 
XXXXA detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
XXXXThe names, contact information, and job titles of the individuals who handled my dispute. 
XXXXA 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. XXXX confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/year> my XXXX  account cash is restricted Im over XXXX there is no valid reason for it to be reacrited considering Ive never used it but now I need it to be able to have access to my money this is setting me back but again Ive never even tried to set the account up so there isnt a reason for it to be rescrited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/year> never received correspondence addressed to debt collection law firm instead of successor in interest XX/XX/year> Shellpoint refused to speak to me because they claim the old servicer " wells Fargo '' did not send any documents XX/XX/XXXX to present XXXX, and XXXX payments were never transferred to XXXX XXXX and deemed lost New Servicer ( Shellpoint ) informed me that the old servicer trial payment plan was closed and payments were never transferred and asked if they were returned as if to force a " foreclosure sale. '' Old Servicer ( Wells Fargo ) sold my loan during the modification process Foreclosure sale in motion after promise to suspend during mediation Wells Fargo reported to MD XXXX XXXX XXXX XXXX that " there was no agreement reached '' during the same time of offering me a " trial payment plan. '' XXXX XXXX XXXX firm ( XXXX XXXX ) mailed a certified foreclosure letter dated " XX/XX/year> but not received until XX/XX/year>. I have XXXX Postal Service " informed delivery '' to show proof that it was just sent on 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 2025-06-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I do not have any debt with this company. Please send me the original contract signed by me, the information of the original creditor that includes my name and my personal information, the payment history of this account and how I am associated with this account and proof that you purchased and that you are legally authorized to collect this debt that I do not recognize. 

XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX NV XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
There is a frivolous account or contract between myself and JEFFERSON XXXX XXXX XXXX XXXXhat was opened on XX/XX/year> in the amount of {$690.00}. I never authorized a clear contract with Jefferson Capital LLC. I never entered an agreement between myself and Jefferson Capital LLC. This account needs to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: NY

Complaint narrative:
I sent a letter earlier this month to discover that was ignored.

Discover previously acknowledged and agreed to a cease and desist request, yet continue to report the account in a way that damages my credit profile. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a written cease and desist is submitted and acknowledged, you may not communicate with the consumer further in connection with the collection of the debt. 
Credit bureau reporting is a form of collection communication intended to coerce payment by damaging credit, and therefore falls within the scope of what must cease under 15 U.S.C. 1692c ( c ). 

Please see the full letter below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and Im not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
My information has been exposed in numerous data breeches, my family has abused their knowledge by utilizing my credit profile to their benefit, and many actions published on my credit profile are inaccurate. 

The credit account listed below are unauthorized : XXXX XXXX opened XXXX XX/XX/XXXX in the amount of {$1200.00} The inquiries listed below are unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2025-06-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My information has been exposed in numerous data breeches, my family has abused their knowledge by utilizing my credit profile to their benefit, and many actions published on my credit profile are inaccurate. 

The credit account listed below are unauthorized : XXXX XXXX opened XXXX XX/XX/XXXX in the amount of {$1200.00} The inquiries listed below are unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief