vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: Synovus Bank
State: MO

Complaint narrative:
I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. If you fail to do I request to permanently remove these items off my credit report. Accounts in question : - XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I recognized that New Rez paid another home owner insurance company without my knowledge, then applied it to my escrow. Making a XXXX negative escrow account. Unpon further investigation, I found out that I have been paying two ( 2 ) home owners insurance for almost a year. New Rez then charged me a premium stating that I did not have home owner insurance for two ( 2 ) months in the beginning of the year 2024 stating that I had no insurnace on file while scolding me for not telling them of the changes when I have made no verbal or written changes.

Without any formal communication New Rez paid another insurance company without any formal notification and refuses to rectif.ty their error and address the overage

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 2025-01-05 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute Regarding National Credit Adjusters, Reporting** Dear Equifax Disputes Team, I am writing to dispute the accuracy and validity of an account reported by ( national credit adjusters ) on my credit report. This account was previously deleted, but national credit adjusters has re-reported it with altered information, including a new lender name and amount. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information verify the accuracy of reported data. Key Issues with national credit adjusters reporting : 1. **Previously Deleted Account** : The account was removed from my credit report in the past due to national credit adjusters failure to validate it. 
2. **Altered Information** : national credit, adjusters has now re-reported the account, changing the name of the alleged lender and the amount owed without any explanation or documentation.

3. **Failure to Validate** : Despite my prior disputes and requests, national credit adjuster, has not provided the original purchase agreement or any other documentation proving the validity of the debt, as required under 15 U.S.C. 1681g and 1681i.

My Requests to Equifax : 1. **Investigation** : As required under 15 U.S.C. 1681i, I request that you conduct a thorough investigation into this account, specifically requiring national credit adjusters.

1. to produce the original purchase agreement or other supporting documentation to validate the debt. 
2. **Account Deletion** : If national credit adjusters can not provide verifiable documentation, the account must be permanently deleted from my credit report under 15 U.S.C. 1681e ( b ).

3. **Results of Investigation** : Please provide me with all documents, communications, and details of your investigation, as required by law.

Request for CFPB Involvement : Given national credit adjusters, repeated violations, including altering account information and re-reporting unverifiable debts, I am requesting that this matter be referred to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. National credit adjusters actions may constitute violations of the FCRA and could warrant enforcement measures under 15 U.S.C. 1681s.

Additional Notes : This dispute is being monitored closely. Failure to address these issues in compliance with federal law within the 30-day timeframe specified under 15 U.S.C. 1681i will result in further action, including additional complaints to the CFPB and potential legal remedies.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX social Security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NY

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 Committee on accuracy and completeness of credit information I am 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 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 explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$6300.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX XXXX {$90.00}, XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-05 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: IL

Complaint narrative:
This company XXXX XXXX dba GoCredit.me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Needs to be investigated for their unfair debt practices they, they reported charging off a debt of {$400.00} on my credit report. XX/XX/XXXX but 2 days before which is XX/XX/XXXX of a payment demand letter and a wage assignment. If you charged of the debt why are they sending that as well. also a payment was mailed in XX/XX/XXXX for the amount of {$130.00}

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 non-monetary relief
Consumer complaint received 2025-01-05 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was using Lexington law as my consumer on XXXX I didn't see a change my credit will be required for the class act of the settlement

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$400.00}. Inquiries : XXXX XXXXXXXX properties. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX. Navy Federal Credit Union ( NFCU ) : {$25000.00} - Opened XX/XX/XXXX / Account Initially reported closed on or about XXXX of XXXX XXXX. Navy Federal Credit Union ( NFCU ) : {$21000.00} - Opened XX/XX/XXXX / Account Initially reported closed on or about XXXX of XXXX Both loans were reported as instances of identity theft and fraud in or around XX/XX/XXXX, following collection calls regarding the accounts. I subsequently filed multiple disputes with all major credit reporting agencies, providing police reports and other supporting documentation to substantiate my identity theft claim. Despite this, the creditor, which is also my primary bank and mortgage holder, seized funds from my accounts and applied them to these fraudulent debts. Furthermore, the creditor appears to have re-aged the original closing dates of the fraudulent loans to XXXX, potentially to prolong the negative impact on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I asked for validation in the form of the purchase agreement or title of the debt because I have been contacted by multiple collectors. The amount that is supposedly owed is {$790.00} and it is being reported by XXXX XXXX. They did not respond, yet they are still reporting on 2 credit reports without a dispute notification. According to 15 USC 1692g this company must stop all collection activities, including reporting, until validation and proof of ownership of debt is provided. 

I have the same issues with XXXX XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$220.00}. 

All 3 received request for validation on or before XX/XX/year> via certified mail. I have attached a picture of the letters I sent to each collection agency, as well as the return receipt from the postal service showing that they were received. 

I have since filed a dispute with the credit reporting agency to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
Loans were dismissed by the department of education 2 years ago and loans were then transferred from XXXX XXXX to XXXX. I reached out to the department of education and they made arrangements to have my loans put into forbearance until loans are cleared but in the mean time they have accumulated over XXXX dollars worth of interest and my loans still havent been written off.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Loans were dismissed by the department of education XXXX years ago and loans were then transferred from XXXX XXXX to XXXX. I reached out to the department of education and they made arrangements to have my loans put into forbearance until loans are cleared but in the mean time they have accumulated over XXXX dollars worth of interest and my loans still havent been written off.

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 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I dispute this hard inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ss 1681i ), unverified inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: IN

Complaint narrative:
Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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