vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-24 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: IL

Complaint narrative:
Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

Green v. XXXX XXXX XXXX. LLC ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect.

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized. 

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my credit file to reflect the correct information and delete all incorrect information : Correct Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Delete Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following Employers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts to Be Validated and Addressed : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries to Be Removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C. 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Twice, a loan modification was prepared and twice, Not only did I not apply for one as a person on the mortgage but Specialized Loan pushed the modification through twice- both without my signature and or knowledge. The perpetrator most definitely is Specialized Loans as they committed bank fraud.

The 1st modification in XXXX - modification was approved by Specialized Loans without my signature- How did the underwriter allow this? 


The 2nd modification in XXXX, both parties were not privy to this. As 1 ) my husband past in XXXX and 2 ) again- no knowledge, no communication to me but XXXX XXXX XXXX She did not have the authority to apply for a loan modification on a mortgage that I was responsible for ... Again - Specialized Loan approved the modification - and AGAIN how did an underwriter allow this?

Who committed the Fraud? Specialized Loan or the Underwriter?

As this point, I believe I need to reach out to the Banking Commission, & Secretary of State.

My loan should go back to XXXX and payments will resume. In XXXX,3 payments were not accepted by Specialized Loan - In good faith - payments were made and not accepted by the lender. There is something seriously corrupt here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Account opened with XXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX inquiry date XXXX 2. XXXX XXXX XXXX inquiry date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Account opened with XXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiries 1. XXXX XXXX XXXX inquiry date XXXX 2. XXXX XXXX XXXX inquiry date 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: UT

Complaint narrative:
I leased a XXXX XXXX on XX/XX/XXXX of XXXX. It never got reported on my credit. I made my payments to Honda Financial Services ( XXXX XXXX XXXX ). I found this out somewhere in the middle of my lease. I contacted Honda to get it handled. They assured me that it would get handled. I even extended my lease by a year. Then in XXXX of XXXX I purchased my lease and kept the car. Still no report of it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
I am formally disputing the accuracy and legitimacy of the following accounts that have been fraudulently reported under my name. On XX/XX/XXXX, These accounts do not belong to me, and I request an immediate investigation and removal in accordance with : 15 U.S.C. 1681g ( Right to disclosure of information ) 15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ) Fraudulent Accounts to Be Investigated & Deleted : 1. DPT EDXXXX ( XXXX XXXX  Account ) XXXX  Account Number : XXXX Experian Account Number : XXXX XXXX Account Number : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXX 2. DPT EDXXXX ( XXXX XXXX Account ) XXXX Account Number : XXXX Experian Account Number : XXXX XXXX Account Number : XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX 3. XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  Account ) XXXX  Account Number : XXXX Balance : {$290.00} Credit Limit : {$300.00} Credit Usage : 98 % Balance Updated : XX/XX/XXXX Account Status : Open Date Opened : XX/XX/XXXX Legal Basis for Deletion : Per 15 U.S.C. 1681g, I formally request full documentation verifying the accuracy and ownership of these accounts, including : Signed original loan or credit applications Any communication between me and the creditors Loan disbursement records or transaction history proving my authorization If you can not provide valid proof that I authorized or opened these accounts, you are legally required to block and delete them from my credit report immediately per 15 U.S.C. 1681c-2.

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 2025-03-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: IL

Complaint narrative:
I recently gained access to my credit report and verified 3 accounts that do not belong to me. These accounts are named XXXX XXXX XXXX  XXXX - {$330.00}, The XXXX XXXX - {$3700.00} and XXXX XXXX XXXX - {$1700.00}. I have never applied for services with any of these companies or have credit through them. I need the credit reporting bureaus to correct this information as according to the FCRA in removing incorrect account information. I need the credit bureaus to investigate and verify my signature and accepted of the debt listed.

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 2025-03-24 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: MD

Complaint narrative:
There is 20 inquiries on the same day XX/XX/XXXX and 1 ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I did not authorize and several closed accounts from XX/XX/XXXX and XX/XX/XXXX and XXXX/XXXX/XXXX these are on my account several times and is damaged my credit and a bankruptcy XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
XXXX  account was open in my name on XX/XX/year> and close on XX/XX/year>. this account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX XXXX  ( XXXX ), the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. Per 15 USC 1681e ( b ), my consumer report contains numerous violations concerning the inaccuracy & incompleteness of accounts being reported to all credit bureaus. The accounts possess insufficient information concerning my payment history. Violations will be documented and attached for each account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
15 U.S. Code ; 1681c-2 : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Account : CAPITAL ONE AUTO FINANCE Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : DEPT OF ED/XXXX  Account # : XXXX Account : DEPT OF ED/XXXX  Account # : XXXX This account should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
15 U.S. Code ; 1681c-2 : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : DEPT OF EDXXXX Account # : XXXX Account : DEPT OF ED/XXXX  Account # : XXXX This account should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2025-03-24 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$39000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$32000.00} NXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} 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 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 2025-03-24 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: NJ

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries 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

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 2025-03-24 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: TX

Complaint narrative:
I am writing to formally demand the immediate removal of the following inaccurate and fraudulent accounts from my credit report, as Experian has repeatedly failed to conduct a proper investigation in violation of federal law. Despite my numerous disputes, Experian has willfully ignored evidence and continues to report false information, causing me significant financial and emotional harm.

Accounts in Question : XXXX XXXX XXXX  Account ( Last Four Digits : XXXX  ) Incorrectly reporting as a charge-off with a {$270.00} balance despite never being valid or belonging to me. 

XXXX. XXXX Account ( XXXX ) A fraudulent duplicate account I never opened or authorized. 

Experians

Legal Violations : Experian has repeatedly violated the following federal laws by failing to correct these inaccuracies : 1. Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation - The FCRA requires credit bureaus to conduct a **proper investigation when a consumer disputes information. - Experian failed to verify the accuracy of these accounts and instead blindly confirmed them without proof. 2. FCRA 611 ( a ) ( 5 ) ( A ) Failure to Provide Investigation Documentation - I demanded proof of how these accounts were verified, yet Experian ignored my requests and only responded with generic verified responses. 3. FCRA 611 ( e ) Illegal Reinsertion of Previously Deleted Information - I requested deletion of these accounts, yet Experian reinserted them without notifying me or providing proof of accuracy, as required by law. 4. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers Duty to Provide Accurate Information - Experian failed to ensure the information provided by XXXX XXXX  and XXXX was accurate and complete.


5. CFPB Consent Order ( 2024 ) Pattern of Unlawful Conduct- The CFPBs lawsuit against Experian ( 2024 ) directly applies to my case, as Experian systematically ignored disputes and failed to correct errors, just as they have done here. Experians Unlawful & Unethical Behavior : - Despite multiple disputes ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Experian never provided proof of verification.

- I submitted my drivers license, Social Security card, and utility bill with each dispute, yet Experian still requested identity verification, proving they never reviewed* my documents.

- Experians reckless negligence has damaged my credit costing me loan approvals, higher interest rates, and severe emotional distress.

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