vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern : This letter is regarding account # xxxx which you claim I owe {$180.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- XXXX local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, TransUnion and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I received several letters for months now stating that I do not have Hazard Insurance on a property I own. I've had XXXX XXXX on the property for years and this has never come up before. They sent me a very generic letter asking me to download my personal information and XXXX XXXX images to a website or send them to a fax number. They also provided a phone number. The website looked very unprofessional and basic, so I thought it might be a scam, since this has never come up before in the 20 years I've owned the property. I did not feel comfortable sending a fax either. Fist off, who still owns a fax machine? Secondly it just made me think even more that it was a scam. I felt even less comfortable sending my person information to a fax number not knowing where it would end up. Especially after having seen the website. I called my insurance agent and he said he would send it to them and straighten it out. The letter came again the following month. I reached out to my insurance agent again and he said he would take care of it again. Then again. So I called the number listed. The person who answered the phone had no idea what I was talking about, and then transferred me to someone who then tried to sell me an insurance policy. I called my insurance agent. He said he's sent them the documentation and spoken with them twice, but he would do it again. Now on XX/XX/year> I receive another letter stating that they will be charging me " XXXX Placed Hazard XXXX '' and charge me {$23.00} per month. I at no point requested or agreed to pay them an additional {$23.00} for insurance that is redundant, I do not want or need. The mortgage company is Newrez LLC XXXX # XXXX. I already have an existing policy that covers what they require and more through another insurance company and have provided them documentation through my insurance broker 3 times. I called customer support and explained everything again on XX/XX/year>. They recorded the call for training purposes. They could not provide an email address for me to send the information proving my coverage and asked me to call again tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-15 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: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt for Barclays Bank Delaware and has already scheduled me to appear in court over this matter. I was never given a fair opportunity to resolve the issue before legal action was taken. I am currently under ongoing medical care and facing severe emotional and physical challenges. Forcing someone in my condition to go to court without proper notice or a chance to settle the debt out of court is not only unethical, it raises serious legal concerns. 

I was served by a person wearing casual clothes who did not properly identify themselves as a legal process server. This made the situation feel threatening and unprofessional. It also caused significant stress and confusion. The entire approach has been aggressive and intimidating, especially considering that I am dealing with serious health issues. 

By law, debt collectors must treat consumers with fairness and must not take legal action without first providing validation of the debt and an opportunity to dispute it. XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act FDCPA 15 USC section 1692g which requires debt validation, and 15 USC section 1692d which prohibits harassment or abusive practices. 

The fact that this matter was pushed into court without exploring other options or even speaking with me shows a clear disregard for my medical condition and financial hardship. I have since prepared and sent a cease and desist letter to XXXX XXXX under FDCPA section 805 subsection c requesting that all further collection activity be halted immediately. 

This entire process has been traumatizing and unnecessary, especially during a time when I am dealing with serious medical and emotional burdens.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-07-15 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: NY

Complaint narrative:
am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX EMPLOYER - XXXX EMPLOYER - XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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: CT

Complaint narrative:
I discovered 14 fraudulent accounts on my credit report. These accounts are not mine, I have never authorized them, and they are the result of identity theft.

I already filed an FTC Identity Theft Report and a police report, which I can provide upon request.

Despite notifying the credit bureaus, the fraudulent accounts remain on my credit reports. I am requesting that these inaccurate and fraudulent accounts be permanently deleted from all of my credit reports with all three major bureaus ( Equifax, Experian, TransUnion ). 

XXXX XXXX Account number : XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4900.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$470.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$7000.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXccount number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00}

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 2025-07-15 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: CT

Complaint narrative:
I discovered 14 fraudulent accounts on my credit report. These accounts are not mine, I have never authorized them, and they are the result of identity theft.

I already filed an FTC Identity Theft Report and a police report, which I can provide upon request.

Despite notifying the credit bureaus, the fraudulent accounts remain on my credit reports. I am requesting that these inaccurate and fraudulent accounts be permanently deleted from all of my credit reports with all three major bureaus ( Equifax, Experian, TransUnion ). 

XXXX XXXX Account number : XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4900.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$470.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$7000.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXccount number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
I contacted XXXX XXXX on a few occasions about an inaccurate late payment applied to my credit file for the month of XXXXXXXX XXXX. My due date is XX/XX/year>, I paid XXXXXXXX XXXX  payment on XX/XX/year>. It wouldn't be 30 days late until the XXXX day which was XX/XX/year>. I submitted my receipt of payment showing the payment was made XX/XX/year> and XXXX XXXX or credit bureaus did not remove the inaccurate late payment from my credit file. I will now seek a civil suit requesting {$1000.00} for each inaccurate late payment reporting on my credit file.

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 2025-07-15 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: PA

Complaint narrative:
I contacted XXXX XXXX on a few occasions about an inaccurate late payment applied to my credit file for the month of XXXX XXXX  My due date is XX/XX/year>, I paid XXXXXXXX XXXX payment on XX/XX/year>. It wouldn't be 30 days late until the XXXX day which was XX/XX/year>. I submitted my receipt of payment showing the payment was made XX/XX/year> and XXXX XXXX or credit bureaus did not remove the inaccurate late payment from my credit file. I will now seek a civil suit requesting {$1000.00} for each inaccurate late payment reporting on my credit file.

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