vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I have had my identity stolen getting close to up to a year ago and there remains a charge for $ XXXX on my experian credit report. I have tried to dispute it and I am an extremely busy father to a XXXX XXXX XXXX and I work XXXX hours a week. Naturally because of how busy I am, I have had difficulty advocating for myself and my credit score and financial situation keeps on spiraling out of control as a result of this identity theft. I am overwhelmed by the scenario and every customer service representative either email or phone has not helped me in the slightest bit. I have spoken to the company involved " XXXX XXXX '' who I never did business with and they told me in the past purchase was for a XXXX product. I do not even own a single thing in my house that's from XXXX and I never ever have.

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 2025-03-18 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: IL

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

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have contacted the company continually and have been told that they will not provide the release of lien, they explained to me that the loan was downgraded to unsecure lien and sold to XXXX XXXX. 
XXXX XXXX does NOT have a release of lien as it was NEVER a lien on the property from them as it was UNSECURE when they purchased it. I was informed by my real estate attorney that New/Rez Shellpoint Mortgage who merged with the loan holder XXXX XXXX  would be responsible with providing the release of XXXX as XXXX downgraded this lien to an UNSECURE lein when a first mortgage foreclosure happened and then was also coded as SOL as the statue of limitations had expired on collection. Shellpoint provided this information to me when I reached out twice. Per your letter attached, New Rez aka Shellpoint sold the loan to XXXX in XXXX of XXXX and then XXXX downgraded it to a UNSECURE lien. This is the point that a release of lien should have been provided by XXXX. Because Shellpoint acquired XXXX, Shellpoint would be the ONLY company that would be able to provide the release of lien.

This has gotten completely out of hand and is ridiculous that three months later, The lien holder is still not providing the release of lien. When you sell an unsecure loan to a collection company, the release of lien would need to be provided as it is NO LONGER a secure lien on the property. 
Questions I need answered : 1. How do I obtain a release of lien from XXXX XXXX when no contact information can be provided, and when it was explained by your company ( See attached letter ) NEVER held a lien on the property.

2. Shellpoint acquired XXXX, therefore XXXX no longer exist, meaning Shellpoint that acquired them would be the only company that can provide the release of lien so please explain why is this not being executed? 
I will be filing a loan suit if this is not remedied and quite title is needed to obtain this release as this is now costing me money and countless time for a companies incompetence. 
Please see attached letter

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 2025-03-18 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: SC

Complaint narrative:
Subject : Formal Dispute of Unauthorized Reinsertion Demand for Immediate Removal and Compensation To Whom It May Concern I am writing to formally dispute the unauthorized reinsertion of an account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX This account was previously deleted from my credit report and has been reinserted without proper notification, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The law explicitly states that if a deleted item is reinserted, the credit bureau must : Notify me in writing within XXXX business days of the reinsertion. 
Ensure the data furnisher provides certified verification that the information is accurate and complete. 
I have not received any written notification regarding this reinsertion, and therefore, you are in violation of the FCRA. This is an unfair and deceptive practice that has caused unnecessary harm to my credit profile. 

Demand for Immediate Action Immediate Removal : I demand that this account be permanently deleted from my credit report within XXXX ( XXXX ) days of receiving this letter. 
Proof of Verification : If you claim that this reinsertion is valid, I require certified verification from XXXX XXXX XXXX proving the legitimacy of the debt, including a signed contract bearing my signature. 
Compensation : Due to this unlawful reinsertion, I am seeking monetary compensation for damages incurred, including harm to my credit, financial stress, and potential legal fees. If this matter is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action for FCRA violations, which can result in statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n.

This letter serves as formal notice that I am prepared to take further legal action if necessary. Please provide a written confirmation of deletion and a response within XXXX ( XXXX ) days from the date of this letter. 

Failure to comply will result in a formal complaint being filed with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect your immediate attention to this matter. You may respond in writing to the address above.

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 2025-03-18 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: SC

Complaint narrative:
Subject : Formal Dispute of Unauthorized Reinsertion Demand for Immediate Removal and Compensation To Whom It May Concern I am writing to formally dispute the unauthorized reinsertion of an account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX This account was previously deleted from my credit report and has been reinserted without proper notification, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The law explicitly states that if a deleted item is reinserted, the credit bureau must : Notify me in writing within XXXX business days of the reinsertion. 
Ensure the data furnisher provides certified verification that the information is accurate and complete. 
I have not received any written notification regarding this reinsertion, and therefore, you are in violation of the FCRA. This is an unfair and deceptive practice that has caused unnecessary harm to my credit profile. 

Demand for Immediate Action Immediate Removal : I demand that this account be permanently deleted from my credit report within XXXX ( XXXX ) days of receiving this letter. 
Proof of Verification : If you claim that this reinsertion is valid, I require certified verification from XXXX XXXX XXXX proving the legitimacy of the debt, including a signed contract bearing my signature. 
Compensation : Due to this unlawful reinsertion, I am seeking monetary compensation for damages incurred, including harm to my credit, financial stress, and potential legal fees. If this matter is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action for FCRA violations, which can result in statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n.

This letter serves as formal notice that I am prepared to take further legal action if necessary. Please provide a written confirmation of deletion and a response within XXXX ( XXXX ) days from the date of this letter. 

Failure to comply will result in a formal complaint being filed with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect your immediate attention to this matter. You may respond in writing to the address above.

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 2025-03-18 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Equifax What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : 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, account have resulted in a account 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 item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This debtor has listed incorrect dates for reporting of last transaction and incorrect open of account. The false information drastically changes the length of years reported on my credit report. This account was opened XX/XX/XXXX and is now stating it was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-18 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: PR

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-18 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: NV

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile

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 2025-03-18 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:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I reached out regarding these delinquent accounts on several occasions last year around XX/XX/year> and I did not receive any response

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: SC

Complaint narrative:
Subject : Formal Debt Validation Request Vance & Huffman LLC Account # XXXX To Whom It May Concern, This letter serves as a formal dispute of the alleged debt you claim I owe. You have contacted me regarding this debt, but you have failed to provide the required validation under the Fair Debt Collection Practices Act ( FDCPA ).

As per my rights under the FDCPA, I demand that you provide proper validation of this debt immediately. Until you do so, you must : Cease all collection activities related to this alleged debt. 
Refrain from reporting this debt to any credit reporting agencies. If it has already been reported, you must take immediate action to have it removed. 
Stop all communication with me regarding this matter unless it is to provide the requested validation. 
To properly validate this debt, you must provide the following : Proof of ownership of the debt or documentation authorizing you to collect it. 
The name and address of the original creditor. 
The exact amount of the alleged debt, with a full breakdown of any interest, fees, or charges. 
A copy of the last billing statement sent by the original creditor. 
A signed agreement or contract that created this debt. 
A complete payment history showing all charges and payments made. 
Proof that the statute of limitations has not expired on this debt. 
Evidence of your legal authority to collect debts in my state, including licensing details. 
If you can not provide proper validation or determine that this debt is not legitimate, you are required to : Immediately notify the credit reporting agencies and remove any negative reporting associated with this debt. 
Cease all further collection efforts. 
Failure to comply with these requests will result in legal action to protect my rights under the FDCPA and all other applicable laws. 

I expect a full response in writing within 30 days of receiving this letter. If you fail to provide proper validation, any further attempts to collect this debt will be considered a violation of my rights.

This letter serves as formal notice and may be used as evidence should legal action be necessary. I strongly advise that you take this matter seriously.

Company response to consumer: Closed with explanation