vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
To : Whom it may concern, I recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. My information was exposed in the XXXX XXXX data breach as well as the XXXX data breach. Aside from those facts I was incarcerated at the time these fraudulent accounts were opened. These fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report. I am disputing this with you directly. I have two documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. I received a letter stating my request did not include the required information for the fraudulent accounts to be blocked from my credit file. The documents required by law are 1. Proof of my identity ( social security card and drivers license attached ) 2. Specific information regarding the identity theft ( specifics provided above ) 3. A complete and submitted copy of my Identity Theft Report with the Federal Trade Commission. I appreciate your prompt attention on this matter and I await your reply 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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. Specifically, I am contesting the validity and accuracy of a debt associated with the following details : Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Account Info Account Name XXXXXXXX XXXX Account Number XXXX Account Type Line of Credit Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$4100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$4100.00} Balance Updated XX/XX/XXXX Recent Payment- Monthly Payment- Credit Limit {$3200.00} Highest Balance {$4400.00} Terms- On Record Until XX/XX/XXXX Under 12 C.F.R. 1006.34, which implements provisions under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide validation of a debt when a consumer disputes the debt. This regulation mandates that debt collectors validate the information reported, including providing proper documentation to substantiate the existence and amount of the debt.

As I have disputed this debt, I request that Equifax investigate this item for accuracy. If the reporting party ( the creditor or collection agency ) is unable to provide verification or validation of this debt, I ask that this entry be removed from my credit report in accordance with 12 C.F.R. 1006.34. 
Additionally, I request that XXXX provide me with the results of your investigation within the 30-day period required by law, along with a copy of any documents provided by the creditor or collection agency that substantiate the validity of this debt. 
Please note that under the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, or unverifiable information must be corrected or removed. If XXXX is unable to verify this debt, I request that you delete this item from my credit report. 
Thank you for your attention to this matter. I look forward to your response and a resolution of this dispute. Should you require any additional information from my end, please do not hesitate to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Re : Complaint Against Select Portfolio Servicing ( SPS ) Failure to Timely Pay Property Taxes and Insurance Dear CFPB Representative : I am writing to formally place on record my ongoing issues with Select Portfolio Servicing ( SPS ) regarding their repeated failures to pay my property taxes and insurance on time from my escrow account. These failures have resulted in late fees for my taxes and near-cancellation of my homeowners insurance. I am extremely concerned about the upcoming first quarter XXXX property tax payment, due on XX/XX/XXXX, which remains unpaid as of the date of this letter. 

History of Late or Missed Payments In XXXX, SPS failed to pay my property taxes on time, resulting in a late fee for which I had to pay out of pocket. 

On another occasion, SPS did not timely pay my homeowners insurance premium, causing me to receive a notice of cancellation before I intervened and made multiple requests that they fulfill their obligations. 

Upcoming First Quarter XXXX Tax Payment The enclosed/attached tax bill for the first quarter XXXX payment, due on XX/XX/XXXX, remains unpaid. I have contacted SPS to inquire about when they will disburse the funds. However, as of this writing, they have not provided any clear confirmation that they have sent the payment to the XXXXXXXX XXXX XXXX 

Concerns About SPSs Conduct and Jurisdiction SPS has alluded that the CFPB has no jurisdiction over these matters because, in their view, this is not under RESPA protection. This position is unsettling and appears to be a deflection tactic. Regardless, the repeated failure to make timely escrow payments, as contractually required, places me in financial jeopardy and could be construed as a predatory practice.

Request for CFPB Assistance and Intervention I respectfully request that the CFPB investigate SPSs escrow payment practices to ensure they comply with all applicable regulations and contractual obligations. My primary concern is avoiding further late fees, penalties, or insurance cancellations due to SPSs negligence. 

I also request guidance on any further steps or protections available to me through CFPB oversight, RESPA, or any other relevant consumer protection laws.

SPSs continued negligence causes me undue stress, financial hardship, and the risk of losing essential insurance coverage. I appreciate the CFPBs continued commitment to protecting consumers like myself, and I trust that you will look into this matter to prevent further harm. 

Please find attached the tax bill for the first quarter XXXX as proof of the upcoming payment due on XX/XX/XXXX. Thank you in advance for your attention and assistance. I look forward to your prompt response or confirmation of your investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. i recently did an investigation on my credit report and i am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says i have the right to decide what i deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802- I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or had provided to the consumer a notice, which i have not received. 

XXXX XXXX [ Collections XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX [ XXXX XXXX opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXXXXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX XXXX ] opened XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute certain hard inquiries listed on my credit report, which I believe were made without my authorization or without a permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 
The following inquiries appear on my Equifax credit report, and I do not believe they were made with my consent or for a legitimate reason : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX According to the FCRA, a credit inquiry is considered " hard '' when it is made in connection with a credit application and requires the individuals authorization. I do not recall authorizing these inquiries and believe they were made without my consent or without a valid permissible purpose.

Under 15 U.S.C. 1681b, any inquiry made without the required authorization or valid purpose is a violation of the law. As such, I am requesting that you investigate these inquiries, and if they are found to be unauthorized or lacking a permissible purpose, that they be promptly removed from my credit report. 
Please provide me with written confirmation of the results of your investigation, as required by the FCRA, within 30 days. If you need any further information to assist in your investigation, please let me know. 
Thank you for your prompt attention to this matter. I look forward to receiving your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
There is a breach with XXXX, and this info should be deleted due to the breach. This is not my account. I have filed with XXXX different bureau that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: AL

Complaint narrative:
I recently reviewed my consumer credit file and identified an alleged debt reported by your agency. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting full validation of this debt. Until the requested validation is provided, you are required by law to CEASE AND DESIST all collection efforts, including reporting to XXXX, XXXX, and XXXX. 
Additionally, I have conducted a review of your agency and found that XXXX is not registered to conduct business in the state of Alabama. Under Alabama state law, any entity conducting business within the state, including debt collection agencies, must be properly registered with the Alabama Secretary of State. Failure to register invalidates your legal authority to collect on any alleged debt within the state and may subject you to penalties under Alabama state law. 
Under the FDCPA and related case law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I recently retrieved a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report ; they are hurting my ability to obtain credit.

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