vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
At the beginning of the year our Mortgage was with XXXX Bank ( Ohio ) On XX/XX/XXXX we refinanced our mortgage to XXXX XXXX XXXX ( Michigan ). XXXX was merged with XXXX in XXXX and their phone system and website are inactive as of XX/XX/year>. 

We have been making monthly mortgage payments to XXXX. 

On XX/XX/XXXX we received a mortgage bill from Newrez, for XXXX mortgage payment for XXXX and XXXX. I have never heard of Newrez and this was the first contact they made with me. Upon looking at the mortgage statement from them it appears to have the same interest and payment schedule as the old XXXX Bank mortgage. 

I believe XXXX Bank sold our mortgage to Newrez at the same time they received our refinance payoff from XXXX. 

Now XXXX Bank does not exist and XXXX is unable to see my information in their system yet when I called. 

The XXXX on our home with XXXX XXXX register of deeds is currently with XXXX XXXX XXXX. So I am confused how Newrez believes we have a mortgage with them if they do not have a XXXX on our house. 

I have spoke with both Newrez and XXXX customer service and both of them were not able to help.

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 2025-05-20 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) byTRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Request to XXXX XXXX XXXX Account Notice of Legal Violations and Intent to Pursue Arbitration Dear executive office I am writing to formally request the immediate deletion of the XXXX XXXX XXXX account ( Account No. ending in XXXX ) from my credit report with your bureau. As of XX/XX/year>, this account has been successfully deleted from my XXXX  report, as confirmed in the attached documentation. Therefore, under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, you are legally obligated to ensure that the information reported across all credit bureaus is accurate, complete, and consistent.

Laws and Violations Cited : 1. FCRA 602 ( A ) 15 U.S. Code 1681 Mandates the fair and accurate reporting of consumer credit information. Inaccurate or inconsistent reporting constitutes a violation.

2. FCRA 611 15 U.S. Code 1681i Upon notification of disputed information, a credit bureau must reinvestigate and remove or correct the data within 30 days. Failure to update or delete the account after it was removed by another CRA is a breach of this statute.

3. FCRA 607 ( b ) 15 U.S. Code 1681e ( b ) Requires that reasonable procedures are followed to ensure maximum possible accuracy. Maintaining an account that another major bureau has found inaccurate and deleted is a failure of this duty.

4. Fair and Accurate Credit Transactions Act ( FACTA ) As part of the FCRA amendments, FACTA reinforces the obligation for accurate and consistent credit reporting. 

You are now on notice. If you fail to remove this XXXX XXXX XXXX account from my report within 7 calendar days, I will initiate a formal arbitration proceeding and pursue civil litigation for damages under the FCRA and any applicable state laws.

Please consider this your final opportunity to correct this matter before legal action commences. I expect written confirmation of the deletion and an updated copy of my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: TX

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over 30 days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: VA

Complaint narrative:
I am writing to notify you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have been reported on my credit file. I have submitted a formal complaint to the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

I understand that some consumer reporting agencies may delay or dismiss dispute requests under the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms every consumers right to seek assistance in exercising their legal rights. The use of authorized support does not constitute a valid reason to delay or deny a legitimate dispute.

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted directly by me or with the help of individuals acting on my behalf. Any undue delay or failure to investigate and correct the disputed information in a timely manner will be regarded as a willful violation of my rights under the FCRA. 

I respectfully urge you to process this request promptly and in full compliance with all applicable federal laws.

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 2025-05-20 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 inform you that my Social Security number was compromised as a result of a data breach. Consequently, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, a copy of which is enclosed for your reference. 

It has come to my attention that some consumer reporting agencies XXXX delay or dismiss dispute requests based on the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) expressly affirms every consumers right to obtain support in asserting their legal rights. The involvement of an authorized third party does not constitute a lawful basis to delay or deny a valid dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to timely investigate and correct inaccurate information, as required by the FCRA, will be considered a willful violation of my rights under federal law. 

I respectfully request that you process this matter without delay and in full compliance with all applicable legal obligations.

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 2025-05-20 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: LD Holdings Group, LLC
State: MS

Complaint narrative:
I reached out to LoanDepot to inquire about a HELOC. They assured me that there would be no adverse effect on my credit score during the pre-approval process. However, I discovered that XXXX XXXX, an XXXX XXXX  XXXX, had accessed my entire credit file without my authorization. When I confronted her about this, she claimed it was an error and that she had mistakenly selected the wrong form. Despite my attempts to have LoanDepot remove the hard inquiry from my report, it has persisted. Consequently, I was denied credit, and my file was closed, yet the hard inquiry remains as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MO

Complaint narrative:
I am writing to inform you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have been reported on my credit file. I have submitted a formal complaint to the Federal Trade Commission, and a copy of that complaint is enclosed for your reference.

I am aware that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms every consumers right to seek assistance in exercising their legal rights. The use of authorized support does not constitute a valid basis to delay or deny a legitimate dispute. 

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted by me personally or with the help of individuals acting on my behalf. Any undue delay or failure to investigate and correct the disputed information in accordance with the FCRA will be regarded as a willful violation of my rights under federal law. 

I respectfully urge you to process this request promptly and in full compliance with all applicable legal obligations.

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 2025-05-20 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: Contemporary Information Corp
State: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B, 15 U.S.C . 1681c-2 that you the CIC ( Contemporary Information Corp ) , block information appearing on my Housing Court Records , that this is the results of identity theft and fraud within XXXX business days of you receiving this compliant. This fraudulent, inaccurate, and false information consists of a personal credit account opered at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LP XXXX XXXX XXXXThese accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICC report. Ive attached a list of in questions 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 aformementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquiries appearig on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementiond accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of thr aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
DEMAND FOR IMMEDIATE DELETION OF ACCOUNTS ASSOCIATED WITH DELETED ADDRESSES METRO 2 AND FCRA VIOLATIONS THIS IS A FORMAL DISPUTE REGARDING ACCOUNTS THAT REMAIN ON MY CONSUMER REPORT DESPITE THE DELETION OF MULTIPLE ADDRESSES FROM MY FILE. ON XX/XX/year>, EQUIFAX CONFIRMED THE DELETION OF XXXX ( XXXX ) FORMER ADDRESSES FROM MY CREDIT FILE. THIS CLEARLY ESTABLISHES THAT THOSE ADDRESSES DID NOT BELONG TO ME, YET THE FOLLOWING ACCOUNTS WHICH ARE ASSOCIATED WITH THOSE INVALID ADDRESSES CONTINUE TO BE REPORTED : XXXX XXXX : {$0.00} CLOSED ACCOUNT XXXX XXXX XXXX BALANCE : {$2300.00} STATUS : CHARGED OFF XXXX XXXX XXXX BALANCE : {$1000.00} STATUS : CLOSED COLLECTION XXXX XXXX XXXX XXXX BALANCE : {$2100.00} STATUS : OPEN COLLECTION EQUIFAX 'S CONTINUED REPORTING OF THESE ACCOUNTS VIOLATES METRO 2 FORMAT STANDARDS AND THE FAIR CREDIT REPORTING ACT ( FCRA ) FOR THE FOLLOWING REASONS : ADDRESS MISMATCH : METRO 2 GUIDELINES REQUIRE ACCOUNTS TO BE DELETED IF THEY CAN NOT BE VERIFIED TO BE ASSOCIATED WITH A VALID CONSUMER ADDRESS. THESE ACCOUNTS ORIGINATED FROM ADDRESSES THAT EQUIFAX HAS REMOVED, INDICATING A LACK OF VALID ASSOCIATION TO ME. 

RE-AGING : XXXX XXXX  AND XXXX XXXX ACCOUNTS HAVE BEEN UPDATED WITH NEW BALANCES, CLOSED DATES, AND ACCOUNT HISTORIES. THIS IS A FORM OF ILLEGAL RE-AGING IN VIOLATION OF 15 U.S. CODE 1681C ( A ) ( 4 ) - ( 5 ), WHICH PROHIBITS THE RESTARTING OF THE REPORTING PERIOD WITHOUT A NEW CONTRACTUAL ACTIVITY.

FURNISHER NON-COMPLIANCE : UNDER 15 U.S. CODE 1681S-2 ( B ), DATA FURNISHERS MUST CEASE REPORTING INFORMATION THAT CAN NOT BE VERIFIED. THESE ACCOUNTS REMAIN DESPITE BEING TIED TO INVALID DATA AND ADDRESSES. 

I AM DEMANDING IMMEDIATE REMOVAL OF THE ABOVE XXXX ( XXXX ) ACCOUNTS FROM MY CONSUMER FILE. IF THESE ACCOUNTS REMAIN AFTER FIFTEEN ( 4 ) DAYS, I WILL PURSUE FURTHER ACTION INCLUDING A FORMAL CFPB COMPLAINT, NOTICE TO THE FTC, AND A POTENTIAL CIVIL CLAIM UNDER 15 U.S. CODE 1681N AND 1681O FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE. 

PLEASE PROVIDE A METHOD OF VERIFICATION FOR EACH ACCOUNT, INCLUDING THE ORIGINAL CONTRACT, VALIDATED ADDRESS HISTORY, AND DOCUMENTS USED TO VERIFY THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
lm 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. If not please delete as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
Im a victim of identity theft and there is a fraudulent account that is reporting on my credit file with FIRST HORIZON BANK, account # ending in XXXX, balance XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I have neither engaged in business transactions with this company nor entered into any agreements. Hence, it is unjustified for this company to report a fraudulent account that I have no knowledge of. I also request that FIRST HORIZON BANK absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Also enclosed is a copy of the XXXX Notice to XXXX of XXXX, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your actions. Enclosed is a copy of my Identity Theft Report supporting my position and cfpb notice to furnishers. Also, pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I have the right to request validation of the debt that this company say I owe at this current time. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. Im attaching a VALIDATION OF DEBT LETTER to this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with explanation