vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Equifax asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I wrote and asked for a debt validation letter with no response also asking them for a copy of my signature for this debt or creditor with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, 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 2024-10-13 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:
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 # XXXX DEPT OF EDUCATION/XXXX Balance {$3500.00} Acct # XXXX DEPT OF EDUCATION/XXXX BALANCE {$6600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$2900.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1300.00} Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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 # XXXX DEPT OF EDUCATION/XXXX  Balance {$3500.00} Acct # XXXX DEPT OF EDUCATION/XXXX  BALANCE {$6600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$2900.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1300.00} Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Hello, I would like to file a formal complaint with the Consumer Financial Protection Bureau regarding Freedom Mortgage 's failure to pay my XXXX property tax to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  in XXXX, NC by the due date of XX/XX/year>. The balance is still outstanding as of today, XX/XX/year>. I am subject to a 2 % interest accrual on any unpaid balance if it was not paid by the due date of XX/XX/year>. This bill was sent to both me and Freedom Mortgage on XX/XX/year>, which provided ample time for Freedom Mortgage to pay it on time. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. The information in question relates to a collection from CCS Collections with an alleged balance of {$150.00} and a status of paid, which I did not make any payment toward this debt collection agency. 

This collection is not only inaccurate, but it also violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically under : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information included in consumer reports. In this case, the collection account is inaccurate and should not be reported as paid when I have not made such payments.

2. 15 U.S.C. 1681i ( a ) ( 1 ) : I am formally disputing this item, and I am requesting that you investigate the validity of this debt. As required by law, I expect this investigation to be completed within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency is also prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt, which appears to be the case here. 

I request that this collection be removed from my credit report immediately as it is inaccurate and misleading. Please provide me with a written confirmation of the deletion of this item from my credit report. If this item can not be verified, it must be deleted under the law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this error has been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
XXXX credit cards went into collection years ago. The debt collector ( Portfolio Recovery ) sued and won and is now garnishing my wages and still currently is to this day. They still keep trying to contact me and call at all hours of the day to collect the debt even though they are ACTIVELY garnishing me. Im being harassed at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear : Experian I am writing to dispute certain inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ) and 605 ( c ). The information I believe to be incorrect is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, I am requesting that you investigate this matter and remove the inaccurate information from my credit report within four business days of receiving this request. Enclosed, you will find copies of relevant documentation that support my claim. 

Please confirm in writing that you have received this dispute and inform me of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely 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 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I used Coinbase on XX/XX/XXXX to buy bitcoin from my XXXX account. I thought this would be available. After contacting Coinbase about this, they told me I owe them {$2600.00} from my old account. My bank account was hacked and used on coinbase and they are trying to tell me I have to pay this to them. Now I {$1000.00} locked in Coinbase that they will not release to me. I never even received notification of these debts they claim I owe. They just let me use their service and then hold my money hostage. I do owe them any money. I would like them to return my money that I used through XXXX on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I fell behind on my mortgage in XXXX of this year due to a loss of income. I proactively reached out to my lender to request reinstatement under a payment plan, offering to remit two payments upfront, totaling {$8400.00}. The agent advised me to call back the following week when I had the full amount available. Upon my follow-up, a different agent placed me on hold to obtain approval for my payment. When she returned, she informed me that my request had been denied and that I was in foreclosure. I stated that I had not received any notice of default ( NOD ), and she claimed it had been emailed to me. I questioned the validity of this communication, as I understood that such notices are typically required to be sent via mail. 

I expressed my intention to retain possession of my property and proposed a plan to remit the full mortgage payment plus an additional half payment each month until I became current, which I estimated would allow me to rectify the situation within 90 days. However, I was informed that my only option was to pursue a loan modification at the current market rate. When I attempted to initiate this process, I found myself blocked from their online portal, preventing me from uploading the necessary documentation. see attachment, I reported this last week and its still not allowing me to upload documents to save, my home. i was told no one else has this issue which sound like I am blocked. 

I want to reiterate that I can make payments totaling {$6200.00} over four months ( {$4100.00} to {$2100.00} ) to bring my account up to date. Under the California Homeowners Bill of Rights, I have the right to receive assistance from my lender to explore alternatives to foreclosure, including reinstatement and loan modification options. The law requires lenders to provide clear communication and to work with borrowers in default. I believe I am being unjustly obstructed in my efforts to save my home and exercise my rights as a homeowner in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: AL

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX Equifax All above companies are reporting that I have a delinquent account that is active that was closed years ago. XXXX XXXX is stating I have an outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Transunion asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.

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 2024-10-13 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: MD

Complaint narrative:
XXXX TransUnion XXXX XXXX above companies are reporting that I have a delinquent account that is active that was closed years ago. XXXX XXXX is stating I have an outstanding balance with them.

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 2024-10-13 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: MD

Complaint narrative:
Experian XXXX XXXX All above companies are reporting that I have a delinquent account that is active that was closed years ago. XXXX XXXX is stating I have an outstanding balance with them.

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 2024-10-13 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: FL

Complaint narrative:
I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.

Company response to consumer: Closed with explanation