vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX FIN XXXXXXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
Subject : Demand for Full Accounting and Documentation Pursuant to UCC 9-210 ( a ) ( 2 ) Edfinancial Services Account Number ( XXXX ) : XXXX To Whom It May Concern, This letter is in response to your recent correspondence regarding the above-referenced account ( s ). Pursuant to Uniform Commercial Code ( UCC ) 9-210 ( a ) ( 2 ), I am making a good faith request for a complete accounting and disclosure of the obligation ( s ) and any security interest ( s ) associated with the referenced account ( s ).

Please consider this a formal written demand for a complete response within 14 business days of your receipt of this letter, in accordance with the statute and applicable law. This request includes, but is not limited to, the following : 1. Full and Itemized Accounting of the Obligation ( s ) :
Original balance and/or principal All payments made to date and a detailed breakdown of how each was applied ( e.g., interest, principal, fees, escrow ) A complete itemization of all fees, charges, penalties, or advances assessed The current balance as of the date of your response Any and all changes in the terms, including interest rates or amortization schedules 2. Documentation of Assignment, Sale, or Transfer : Copies of any assignment ( s ), transfer ( s ), or sale of the note, obligation, or related security interest Endorsements, allonges, or indorsements on the original note Evidence of any sale or transfer to a third-party entity, including trust entities Identification and contact information for any successor-in-interest or servicing agent 3. Trust or Securitization Transfer Disclosures : Full name of any trust into which the account has been transferred Series name, trustee identity, and contact details Date of any such transfer and the parties involved A copy of any Pooling and Servicing Agreement ( PSA ), trust agreement, or custodial agreement associated with the transfer Documentation evidencing securitization or sale to investors or a trust structure 4. Identification of Current Secured Party or Assignee of Record : Full legal name and address of the current secured party or legal assignee Name and address of any current servicer, agent, or authorized representative acting on their behalf This request is made pursuant to my rights under UCC 9-210 ( a ) ( 2 ) and is submitted in good faith. If EDFINANCIAL SERVICES is not the appropriate party to respond to this request, I respectfully ask that you promptly forward this letter to the appropriate department or affiliated entity and notify me in writing of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: MS

Complaint narrative:
Automated Collection SVC, I'm unaware of this debt and did not have the oppertunity to dispute this account. If you believe you sent proper notification, please provider certified mail with receipt displaying my signature. If not, please delete the account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB Managment Services, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provider certified mail with receipt displaying my signature. If not, please delete the account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Would love to verify my accounts for future accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
I had recently tried buying a house and went to get a loan to do so and was denied the loan to to a debt collection from XXXX that was sent to Credence Resource Management stating I owe almost {$3000.00} on devices I reported them stolen back in 2022 I also had insurance on the devices through XXXX. They never once sent a letter stating I owed or that they put in the report of the stolen devices. Instead they sent it to collections and it's just now showing up on my credit report which is bringing my credit down. It's just now showing on my credit stating I have the debt. I never recieved a letter stating I had a debt or that it was being sent to a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had HARD INQUIRES that are fraudulent on my report and need to be removed/DELETE IMMEDIATELY XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
On XXXX or about XX/XX/year> I received notification from all XXXX  credit bureau that my XXXX XXXX has decreased. After my investigation, XXXX different collection agencies had reported I owe a debt which they could not validate. The XXXX collection agencies had different names & addresses. On XX/XX/year> I sent all the collection agencies certified mail validation requested letters. ( XXXX letters no longer valid addresses & no forward addresses ; other one was delivable ). I have not received any requested information from the collection agency. 
XXXX XXXX XXXX XXXX  XXXX {$380.00} XXXX graduated from college XXXX  years ago.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX - {$460.00} According to the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for reporting them. I kindly ask you to eliminate any information that the creditor is unable to verify. I am aware that, in accordance with 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past six months of any corrections made. 
Thank you for your attention and assistance regarding this matter. 
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 2025-06-07 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: NV

Complaint narrative:
XXXX is incorrectly reporting my car as being charged off. I have made payments on time and only have 3 more payments to make before it is paid off! My payments are being reported wrong ; I have possession of the car and always have. If it was charged off they would have repossessed it. That didn't happen and I have been paying. Even on XXXX website it shows I have been paying on time and this is still being reported in correctly. I want this information fixed immediately to show that I am current, it is not in charged off status and I want all of the payments Ive made on time to reflect correctly. I have sent XXXX letters and they are ignoring 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX is incorrectly reporting my car as being charged off. I have made payments on time and only have 3 more payments to make before it is paid off! My payments are being reported wrong ; I have possession of the car and always have. If it was charged off they would have repossessed it. That didn't happen and I have been paying. Even on XXXX website it shows I have been paying on time and this is still being reported in correctly. I want this information fixed immediately to show that I am current, it is not in charged off status and I want all of the payments Ive made on time to reflect correctly. I have sent XXXX letters and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

INQUIRY : XXXX XXXX : XXXXXXXX XXXX  INQUIRY : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I am successor of interest on my husbands account. I was sent XXXX of Successor of interest was confirmed!!!! Again Shellpoint has sent me a confirmation letter that I have received successor of interest!!! Ok now that this has been resolved, I want a full review of a loss mitigation workout! My husband was offered this terrible repayment plan that we can absolutely Not again can not pay. The offer was XXXX down payment. We do not have this amount of money. Please cancel this repayment plan asap and give me my rights as successor of interest, which is a full and complete evaluation on this account. I have a lawyer and we will file lender misconduct charges if I am not given what is a legal action. It is against the law to deny a successor of interest a loss mitigation workout. Cancel the repayment plan, I can not pay XXXX down payment. I want a solution to stop foreclosure, again my rights as successor in interest. Shellpoint can not keep doing illegal activity on my account and get away with it, my account is monitored daily by myself and my lawyer. We will be looking forward to your support in giving me a loss mitigation workout. And I am not selling my home or deeding it back to you. Shellpoint needs to do what is legal, withdraw the foreclosure that is on hold and let me have a forbearance or a decent down payment on a repayment plan. Stop doing illegal activity on this account or you will be sued for lender misconduct and possibly fraudulent activity! That is not a threat but is a violation under RESPA!

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
My card was lost on XX/XX/year>. It was used unauthorized at XXXX for {$110.00} and XXXX XXXX for {$78.00}. I canceled my card then filled disputes for both charges. The XXXX charge happened first and was approved but the XXXX XXXX  one wasnt even though they both happened right after each other and were used with the same card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing pursuant to 15 U.S. Code 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft and am requesting that you block and remove all information related to the fraudulent account reported by XXXX XXXX XXXX ( XXXX ) from my credit report. 
This account is currently being reported on my credit file by both XXXX  and TransUnion. I did not authorize or co-sign for this account, and I did not benefit from the services or funds issued. I am exercising my rights under Section 605B to have this fraudulent item removed. 
Account Information : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Closed, showing on my credit report as a delinquent/negative account - Dispute Basis : Identity theft I did not authorize or co-sign for this account Enclosed are the documents required under Section 605B : 1. A copy of my government-issued ID Page 1 2. A utility bill or other proof of address 3. A copy of my FTC Identity Theft Report 4. A signed statement attesting that this account is a result of identity theft and was not opened or authorized by me Under the FCRA Section 605B, credit bu

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 2025-06-07 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: NH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing has filed to foreclose my property on XX/XX/year>. 
In its desire to rid of my XXXX  % interest-rate loan which does not fit their higher-interest rate portfolio, Shellpoint Mortgage Servicing is grossly violating my rights as a consumer by basing their " XXXX XXXX XXXX '' on the highly inflated property value of {$830000.00} Shellpoint Mortgage Servicing has yet again failed to justify the market value assigned to my property of {$830000.00} which is the basis for their " XXXX XXXX XXXX  '' and denial of my loan modification request. 
Based on the XXXX XXXX XXXX XXXX, the market value assigned to my property is {$700000.00}. 

Why is Shellpoint Mortgage Servicing decision to deny me a loan modification request based on the artificially inflated property value of {$830000.00} is so different from the XXXX XXXX XXXX XXXX XXXX of {$700000.00}? 

Where the number of {$830000.00} has come from? 
.

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