vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  sc XXXX XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Re : Demand for Immediate Deletion of Erroneous Charge-Off Account XXXX XXXX  To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$890.00}, which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 
Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( EquifaxXXXX XXXX, TransUnion ) XXXX 
2. Provide written confirmation that this item has been permanently deleted.

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief.

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX You are now on formal notice. Govern yourself accordingly. 

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Subject : Formal Request for Debt Validation under 15 U.S.C. 1692g ( FDCPA ) Dear XXXX XXXX  Compliance Department, I am formally requesting validation of the alleged debt associated with Account # * XXXX as reported to XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are legally required to provide the following : 1. Proof that you own or have been assigned the debt ; 2. A copy of the original signed agreement creating the debt ; 3. Detailed accounting and explanation of how the amount claimed was calculated ; 4. Proof that you are licensed to collect debts in my state, Maryland. 

Please be advised that during this validation process, you must immediately cease all collection activities, including reporting to any credit bureaus, until you have fully validated the debt. 

If you fail to provide sufficient documentation within 30 days, you must delete the account from my credit file and cease all collection activity. Continued reporting of an unvalidated debt is a violation of the FDCPA and the FCRA and will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Georgia Attorney General 's Office, and potential civil action. 

This letter is written without waiver of my rights and remedies under applicable law, all of which are expressly reserved. 

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 explanation
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened aXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan account opened aXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems , LLC and XXXX for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) in connection to a disputed XXXX-related debt that is currently being reported on my XXXX credit report only. The account has been disputed, removed, and then re-reported on multiple occasions, each time being listed as a new trade line, rather than maintaining the original date of delinquency. This violates the Fair Credit Reporting Act 1681c ( a ) ( 5 ) regarding the maximum allowable reporting period and proper data retention.

Violations include but are not limited to : 1. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate Jefferson Capital is reporting a debt with conflicting and inaccurate information, including : A {$190.00} balance with a {$0.00} payment history A reported status of XXXX  days late, which is inconsistent for a collection account A date last posted of {$0.00} on XX/XX//XXXX, with no verification or ownership documentation provided 2. 15 U.S. Code 1681s2 ( b ) ( 1 ) ( A ) - ( D ) Failure to properly investigate and correct disputed information I previously disputed this debt and it was removed. It has since been reinserted without my knowledge or legal notice, which violates 1681i ( a ) ( 5 ) ( B ) ( ii ) requiring written notice within XXXX  business days of reinsertion.

3. 15 U.S. Code 1681e ( b ) Failure to maintain accuracy and fairness in credit reporting The debt is being reported to only XXXX, not XXXX  or XXXX creating inconsistent and materially misleading data across reporting systems.

4. 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation Jefferson Capital has not validated the debt upon dispute and has continued furnishing despite admitting they do not own the debt, and are only collecting on behalf of XXXX. No documentation or signed agreement has been provided, and the continued reporting without ownership violates FCRA requirements.

Jefferson Capital has provided conflicting statements about ownershipstating at times that they own the debt, and at other times that they are collecting on behalf of XXXX  or another agency, which raises serious concerns about their legal standing to furnish this information. Immediate deletion of this XXXX-related account from all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXX XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I have submitted multiple disputes concerning the accuracy and completeness of the payment history for the accounts listed below. Despite these efforts, I continue to see several inaccuracies that qualify as billing errors under 15 USC 1666 ( b ). To the best of my knowledge, I was never late on any of these accounts, and I respectfully request that the records be corrected to show timely payments. 

This ongoing issue has caused significant stress and is taking a toll on my daily life. The continued lack of resolution has left me feeling mentally and emotionally exhausted. 

For clarity, I am submitting this dispute on my own behalfno third party is involved. I kindly ask that you conduct a thorough and fair review of this matter as soon as possible. 

Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Sezzle Inc.
State: NY

Complaint narrative:
I have informed this company that I was a victim of identity theft. I have provided thema copy of the FTC report the company has also sold this account and charged is as a write off without my consent after informing them that this account was fraudulent. i have requested a 1099c which they refused to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/year> I proactively instructed NewRez not to pay XXXX XXXX because I had secured new homeowners insurance through XXXX XXXX. Despite clear instructions and confirmation, NewRez paid both XXXX XXXX and XXXX XXXX from my escrow account, resulting in a shortage. NewRez is now improperly raising my mortgage payment based on a shortage caused by their own error. I am seeking a billing correction, a refund of my escrow account to its rightful balance, and for NewRez to cease the mortgage payment increase until this issue is resolved. I respectfully request the XXXX XXXX assistance in ensuring ShellPoint Mortgage Servicing/NewRez corrects this error immediately and restores my escrow and mortgage payment to the correct amounts.

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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
XXXX XXXX, Acct # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. Please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Non-payment of homeowners insurance from escrow acct. Lender Stated they did not receive the information however my insurance agent provided the information one month ahead of expiration date. Lender said as of XX/XX/year> they have no information. I paid the insurance company directly {$890.00}. I also provided the lender a digital copy of insurance declaration and was advised it takes 2to 3 days to review. I asked to drop the insurance from my escrow but was advised because I didn't have insurance I could not. I also mailed a letter on XX/XX/year> with copies of insurance declaration along with the cancelation letter from the insurance copy. I have requested in writing refund of {$890.00} and discontinuance of the escrow for the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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

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