vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear XXXX XXXX XXXX I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. Please consider this letter a formal request for the following : Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Kikoff Inc.
State: GA

Complaint narrative:
According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: SC

Complaint narrative:
I am writing to dispute inaccurate address 's and phone number that I recently found on my credit reports. The credit agencies will not help me as they are tied to accounts that are also not mine. These are fraudulent and I need them removed immediately as they are hurting my ability to obtain credit. INCORRECT address 's are as follows. XXXX XXXX XXXX XXXX, XXXX XXXX, sc, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX, XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY, XXXX Correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC, XXXX as I am currently in the process from XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX CORRECT phone number is XXXX XXXX XXXX Enclosed are supporting documents, Thank you for your time and attention to this timely matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute inaccurate address 's and phone number that I recently found on my credit reports. The credit agencies will not help me as they are tied to accounts that are also not mine. These are fraudulent and I need them removed immediately as they are hurting my ability to obtain credit. INCORRECT address 's are as follows. XXXX XXXX XXXX XXXX, XXXX XXXX, sc, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX, XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY, XXXX Correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC, XXXX as I am currently in the process from XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX CORRECT phone number is XXXX XXXX XXXX Enclosed are supporting documents, Thank you for your time and attention to this timely matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Ive never had an account with this company before and would like to ask for 15 U.S.C 1681 and 15 U.S.C 1681g I dont have an account with this company so I would like all this reports to be taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the fraudulent and inaccurate reporting of a closed account that was manipulated to reflect new activity years after closure. This is a clear violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), and I am demanding its immediate deletion from my credit report. I will upload all documents and proof, I previously disputed the inaccuracies and violations from this account and TRANSUNION FAILED ON DOING A PROPER REINVESTIGATION! Please deleted the account immediately! Thank you

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 2025-04-06 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: NY

Complaint narrative:
I had made a deferral due to medical emergency. I called in XXXX to XXXX  and told the rep there I had fallen into XX/XX/XXXXXX/XX/XXXX. That is why i needed deferral i asked for a defferal of 4 months - he apologized for my being sick was glad i was alive & then said he would grant me the four month defferal. I asked if this was going to also protect my credit and he said of coarse if payments were deferred no negatives with hit my credit as it was a agreement- Then went on to confirm that i would not have any payments due for 4 months which would be not till XXXX- I confirmed again that the payments were definitely defferred, he then told me NOT to worry, as he would never lie to me and that i needed to worry about my health and that the payments were surely defferred. About three months into recovery i was preparing for my finances to figure out how to go back to regular life and i checked my credit report and i had negatives from XXXX  for missed last 3 months payments. This is NOT what we had agreed to. I called the company to only find out that no deferral had been processed. I demanded corporate get involved etc. Finally a manager XXXX or XXXX called me back she had listened to the recorded call & said that i was in fact right and telling the truth and i was promised a 4 month deferral and because i was promised she was going to honor it. I asked her how was my credit going to get fixed as they reported lies to my credit bureau... she said not to worry that they would rescind any negatives reported for XXXX XXXX XXXX XXXX that had been reported. 
They rescinded all the negatives except one which is XXXX and it still shows 30 days late and I WAS NOT LATE I HAD A DEFFERAL. i will not let them get away with this and demand that you protect me as a consumer. These are foreigners and they do not care that my credit is being demolished by a complete lie. while they did honor their original agreement they still have my credit showing i missed a payment and i did not miss any payments because i was under deferral. i do not care how any one else wants to twist this but i demand it removed or i will seek further legal remedies. I am sick of asking for this to be corrected this is wrong what they have done and credit is extremely important and i could lose my house over this i demand this be removed as i did not miss any payments i was on a deferral and they did the investigation and they found that i was telling the truth.. so i demand that your department escalate this and find them in violation of the fair credit acts and demand they resolve this now.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I had made a deferral due to XXXX XXXX. I called in XXXX to XXXX  and told the rep there XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. That is why i needed deferral i asked for a defferal of 4 months - he apologized for my being sick was glad i was alive & then said he would grant me the four month defferal. I asked if this was going to also protect my credit and he said of coarse if payments were deferred no negatives with hit my credit as it was a agreement- Then went on to confirm that i would not have any payments due for 4 months which would be not till XXXX- I confirmed again that the payments were definitely defferred, he then told me NOT to worry, as he would never lie to me and that i needed to worry about my health and that the payments were surely defferred. About three months into recovery i was preparing for my finances to figure out how to go back to regular life and i checked my credit report and i had negatives from XXXX  for missed last 3 months payments. This is NOT what we had agreed to. I called the company to only find out that no deferral had been processed. I demanded corporate get involved etc. Finally a manager XXXX or XXXX called me back she had listened to the recorded call & said that i was in fact right and telling the truth and i was promised a 4 month deferral and because i was promised she was going to honor it. I asked her how was my credit going to get fixed as they reported lies to my credit bureau... she said not to worry that they would rescind any negatives reported for XXXX XXXX XXXX XXXX that had been reported. 
They rescinded all the negatives except one which is XXXX and it still shows 30 days late and I WAS NOT LATE I HAD A DEFFERAL. i will not let them get away with this and demand that you protect me as a consumer. These are foreigners and they do not care that my credit is being demolished by a complete lie. while they did honor their original agreement they still have my credit showing i missed a payment and i did not miss any payments because i was under deferral. i do not care how any one else wants to twist this but i demand it removed or i will seek further legal remedies. I am sick of asking for this to be corrected this is wrong what they have done and credit is extremely important and i could lose my house over this i demand this be removed as i did not miss any payments i was on a deferral and they did the investigation and they found that i was telling the truth.. so i demand that your department escalate this and find them in violation of the fair credit acts and demand they resolve this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following collections are reporting a debt for a collection that is inaccurate : XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have left my report I have filed with identity theft along with a handwritten letter saying this attached with my id confirming my identity and address.

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 2025-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
reflects late payments and a repossession that are preventing me from purchasing a new vehicle Account Paid IN FULL I was the cosigner and need gone from account as well. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I formally request the immediate deletion of any and all non-public personal information you have on file regarding me. You are reporting or disclosing this information without my explicit permission or consent, which I do not grant.

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 2025-04-05 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: CT

Complaint narrative:
XXXX al writing to formally dispute several unauthorized and fraudulent inquiries that have appeared on my credit report. These inquiries were not authorized by me and are the direct result of a data breach and identity theft. This is unacceptable and I expect appropiate action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX al writing to formally dispute several unauthorized and fraudulent inquiries that have appeared on my credit report. These inquiries were not authorized by me and are the direct result of a data breach and identity theft. This is unacceptable and I expect appropiate action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing obtained my recent mortgage from XXXX XXXX XXXX. I recieved money from a previous house sale and transferred {$870000.00} to the XXXX account of Shellpoint as instructed by Shellpoint. Shellpoint then applied {$87000.00} to reduce the principle of my loan and confiscated the remaining {$780000.00} for their own account. We have spent 10 days e-mailing and calling to ask them to return the funds that were taken from us and apply it to our loan principle. Shellpoint has refused to acknowledge that they are holding the missing {$870000.00} despite XXXX confirming receipt of the full amount for Shellpoint account. Shellpoint has provided five different deadlines in which they committed to resolve the problem and have not met any of their commitments. Shellpoint refuses to respond to any e-mail and refuses to provide the individual name and contact number of any official in their company who can resolve the problem. At present the {$780000.00} has been stolen from us by Shellpoint and we have no power to resolve the problem. They could conceivably never admit to having our funds and if we try to force their hand they are holding our mortgage and can deny our home ownership. Potentially I will need to pay this entire amount to them a second time. Can CFPB help in any way.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to get help by the consumer financial protection bureau to help me reach out to experience, equitable and transition to remove a delinquency from my credit report that should not be on my report due to the account being closed and settled. XXXX XXXX XXXX aka XXXX XXXX. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I am reaching out to get help by the consumer financial protection bureau to help me reach out to experience, equitable and transition to remove a delinquency from my credit report that should not be on my report due to the account being closed and settled. XXXX XXXX XXXX aka XXXX XXXX. Please help 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 explanation