vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
My ID was apparently stolen and placed on the dark web for sale about a year ago. I suspect this is where the perpetrator obtained my ID. An account was opened with XXXX XXXX on XX/XX/XXXX using my stolen ID. This account was active until XXXX XXXX, XXXX. I was not aware of this account until XX/XX/XXXX when a collection was recorded against my credit. On XXXX XXXX, XXXX I called XXXX to report this account as not being mine. I have since placed a lock on my credit report with all three credit agencies. 
On XX/XX/XXXX, I contacted Transworld Systems, Inc. ( XXXX ) XXXX ) and spoke to XXXX XXXX, who was only interested in collecting the debt. She gave me the phone number to XXXX XXXX, the original creditor, ( XXXX ) XXXX. I called XXXX XXXX and spoke with XXXX XXXX that same day. She indicated that I must provide a copy of this complaint I am now filing with you along with a police report. I told her I just went through this process with another debt collector and the XXXX XXXX XXXX XXXX. refused to write up a report siting the low priority this complaint has and that they would be writing up complaints all day for this type of complaint. I will attempt a second time to see if I can get a police report. XXXX XXXX has provided me with the account number, the period in which the account was active, the address of service, and the email that the perpetrator used for communications. I have provided this information to as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Loan was held by XXXX and i filed an insurance claim at which point they sent an initial check I started work and did an inspection and they approved to send a second check. 

- I was called by XXXX and told the check was going to be put in the mail and that I would receive it in 5 days. 
- During that time my loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper. 
- 10 days later the check never arrived and I received no further information. 
- I called XXXX and they told me that they did not mail the check because they transferred the loan and that I would have to initiate the loss process with Mr Cooper- I called Mr Cooper and gave them the info and they told me they will attempt to get the records but that It will be 3-5business days before they will know what the next steps are. 
- I have contractors that are going to stop work, my insurance is kicking me out of the rental and no way ahead because this money has been locked up by the banks that is needed to make my condo livable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: AL

Complaint narrative:
See attached Affidavit of Facts with Exhibits ( myFico.com credit reports for Equifax, XXXX and XXXX and Form 1099-Cs )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: NC

Complaint narrative:
Dear Equifax After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report. 

The consumer report that was prepared under my social security number by Equifax is reporting inaccurate information which is a violation under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NV

Complaint narrative:
I am writing in dispute a debt that your company is attempting to collect, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureaus ( CFPB ) guidelines, I dispute the following information regarding the debt : 1.The amount of the debt.

2. The validity of the debt.

3. Any supporting documentation.

Along with violation ( s ) of my consumer rights 1. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a recurring issue I have been facing with TransUnion regarding identity verification during login attempts and accessing annual credit reports. 

Every time I try to log in or access my annual credit report, TransUnion prompts me for identity verification, which leads to a dead end. Despite repeated attempts, I am unable to proceed due to this obstacle. Additionally, when attempting to connect with chat support for assistance, I am informed that they can not access my identity verification information. 

This frustrating loop of being unable to verify my identity and access essential services from TransUnion is concerning and has hindered my ability to manage my credit information effectively. 

I urge the CFPB to investigate this matter and intervene to ensure that TransUnion addresses this issue promptly and provides a seamless process for identity verification and access to credit reports. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
when I go onto my Equifax, I am unable to login or speak to anyone when i call because it says they can not verify my identity although I am giving them my correct information. 

If I do get into the account, It tells me there is a promotional block on my account which I never put on my account and I do not know why it is there, but I need to remove it. I dont know where or how to do this and I can not reach anyone at Equifax , who can help me because their phone system consistently loops through and just redirect you to go to the FAQ on the website rather than allowing you to speak to any people who can help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank on XX/XX/23 {$5500.00} and on XX/XX/23 {$1900.00} was withdrawn from my business checking account without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I never received the verification of debt. I asked for it, and I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clark County Collection Service
State: NV

Complaint narrative:
According to XXXX " opt out '' As a federally consumer under the FCRA I opt out of any verbally, nonverbal, written, nonwritten communication. 

As of today date XX/XX/2024 Any additional furnishing of this account is a violation of my rights and subject to XXXX per violation per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
It appears that in response to my complaints against the bank it decided to illegally harass me by denying access to my account. Today when I entered my usual ID and password, I got the message that those items " do not match '' which is a lie! This illegal harassment prevented me to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion are consumer reporting agencies and I am the Consumer. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX XXXX XXXX are not maintaining reasonable procedures.

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 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Received an XXXX loan through Bank of America. Vehicle with all fees purchased for {$37000.00} in XXXX. In XXXX XXXX XXXX vehicle was repossessed and sold in Auction for {$21000.00}. Bank of America is falsely stating I owe them {$11000.00} without giving validation of what the vehicle was sold for and what was covered in reimbursement from the GAP insurance as the lost. I've requested this information and have been told they can not provide me with verification.

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 2024-02-16 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: NJ

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.

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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This mortgage was sold to " Select Portfolio Servicing, inc, from XXXX XXXX XXXX XXXX 
They took over on XXXX XXXX, XXXX. We have been calling Select Portfolio, every XXXX weeks to get our Homeowners insurance paid by XX/XX/XXXX. 
They keep saying its under " review ''!. We made a payment to XXXX XXXX XXXX ourselves to avoid cancelation of this policy! We have been with this company for almost 35 years. 
We were told on XXXX XXXX, XXXX by a XXXX with " Select '', that he understood the problem and it would take 3 to 5 days to get this problem fixed and payment made. 
This policy will cancel on XX/XX/XXXX if Select Portfolio does not make payment. 
They are currectly holding over XXXX XXXX XXXX in escrow for a {$4100.00} insurance payment. 
This is placing a hardship on our family, through financial, and extreme stress!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: OH

Complaint narrative:
My credit report dated XX/XX/XXXX, at Experian contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiries were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXX XXXX XXXX so that I can file my taxes accordingly. This XXXX account is reporting inaccurate adverse information. Also, account # XXXX with XXXX is reporting as " WRITTEN OFF '' for the total amount stated, yet I have received no tax forms from the IRS nor XXXX so that I can do my taxes accordingly. XXXX is reporting inaccurate adverse information. Also, US DEPT OF ED/XXXX  has taken over ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF ED/XXXX is reporting information that does not coincide with the original contract.

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 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is articulated that there is a fundamental necessity for consumer reporting agencies to undertake their significant duties with fairness, impartiality, and a regard for the consumer 's right to privacy. As a consumer, I am entitled to ensure my private information remains confidential, a principle supported by 15 USC 6801, which mandates that financial institutions maintain an affirmative and ongoing duty to respect their customers ' privacy and safeguard their nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report exclusively under circumstances permitted by the written consent of the consumer concerned. It is clear that TransUnion, as a consumer reporting agency, does not possess my consent, written or otherwise, to disseminate my information. I hereby revoke any form of consent previously extended to TransUnion, whether verbal, non-verbal, written, implied, or otherwise, regarding the furnishing of my information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits a financial institution from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer the opportunity to opt out of such disclosure, an option I was never informed of. Moreover, according to 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is restricted from reporting any adverse information older than seven years, highlighting an unauthorized practice if such information is being reported.

In adherence to 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ), it is unlawful for any entity to provide information about a consumer to a reporting agency if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, 15 U.S. Code 1681e obligates consumer reporting agencies to implement reasonable procedures to prevent violations of section 1681c and restrict report furnishing to authorized purposes, a standard that requires strict compliance.

Lastly, as per 12 CFR 1016.7, consumers have the perpetual right to opt out of reporting services. I am exercising this right and opting out of TransUnion 's reporting services, expecting that my privacy and rights are fully respected and upheld in accordance with the aforementioned legal provisions.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wish to dispute the following information found on my TransUnion credit report. 
I was a victim of ID Theft. There are inquiries on my TransUnion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion -XXXX Lumber, building material, hardware XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion

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