vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I contacted Select Portfolio Servicing at XXXX central standard time. I had received an IRS tax transcript that contained information unknown to me. The XXXX phone call exposed an untruth regarding a {$250000.00} mortgage account using a variant of my name. The account represents actions unknown, undiscussed, undisclosed, and unauthorized by me. 

Internal Revenue Service tax records show that a mortgage loan was assumed by Select Portfolio Servicing on XX/XX/XXXX. I had been dismissed from the original loan with the originating bank ( XXXX XXXX ) in a XXXX XXXX XXXX in XXXX. Select Portfolio Servicing , Inc. allowed someone to renew and refinance the loan ( or a derivative, thereof ) in a variant of my name using my social security number. 

I, nor my children, have lived in or visited that residence since XX/XX/XXXX. I demanded Select Portfolio Servicing , Inc. disassociate all loans with my identity, or any parts or likenesses, and not be transferred to any other financial institutions. I asked them to comply by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-23 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: GA

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Today, I opened a checking account and once I was through, I received an invitation to apply on the website for the credit card. As it was an invite, I applied then got the turndown message. How misleading to invite me then pull my credit just to decline me. I suggest the credit inquiry to be suppressed as I was mislead into apply for a product I would be denied for

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 2023-09-23 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: CA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC has mismanaged paying for from my escrow and keeping insurance on my property. They failed to maintain coverage and for 6 months or more, I had no knowledge of this. FHA requires this coverage. They have washed their hands trying to resolve this issue they caused, and instead have sent me XXXX letters threatening to add high-expense coverage on my loan at my expense. Below are the details of the situation : Background of the Issue after I found out my insurance coverage was canceled while trying to file a claim for damages : XXXX. On XX/XX/XXXX, I spoke to a XXXX representative, XXXX XXXX XXXX, who informed me that my policy had been canceled on XX/XX/XXXX, due to nonpayment. XXXX XXXX failed to provide further details or discuss potential reinstatement options. 

XXXX. Upon this revelation, I immediately contacted PNC Bank, my mortgage company, to understand why a payment was not remitted from my escrow account. As mandated by HUD, I am required to have continuous insurance coverage. 

XXXX. On XX/XX/XXXX, I was informed by XXXX from PNC Bank about the following : On XX/XX/XXXX, PNC remitted a payment of {$1500.00} to XXXX, part of a total amount of {$40000.00}. 

Records indicate XXXX cashed the check on XX/XX/XXXX. 
Surprisingly, the payment was returned to PNC on XX/XX/XXXX. 
PNC took no further action as to why the check was returned despite the requirement to maintain insurance per FHA guidelines. 


This situation has caused undue stress, and I seek your intervention to ensure a swift and fair resolution as they continue to mismanage my loan. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I made a large payment in XX/XX/2023 to pay off my account to have a XXXX balance and to be closed. I just got a statement for the same account and it still open with fees with interest. Now they are charging me XXXX and they are telling me they can discount me {$100.00} and I will owe XXXX to bring my account to XXXX  to be closed. They refuse to acknowledge I already did this and they kept my account open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 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: PA

Complaint narrative:
On XX/XX/2023 I sent TransUnion a cover letter, Identity theft affidavit via XXXX certified return reciept. Transunion recieved my mail correspondance on XX/XX/2023. Transunion failed to block the information relating to the Identity theft I had requested. Pursuant to 15 usc 1681c-2 the block of information was to be done within 4 business days.Transunion failed to do so while investigating the identity theft. Transunion sent me a letter dated XX/XX/2023 stating that they was going to rescind the block due to me not providing any information and that they believe I recieved goods and services. I sent all the required information in accordanec to federal law. I also notified transunion that if they believed that I recieved good and services form the furnishers that I request a senior exectuve memeber to send me an affidavit sworn under oath of that fact transunion never provided that correspondance for proof of the fact. Pursuant to 15 usc 1681g as a victim of identity theft I AM ENTITLED TO RECIEVE DOCUEMENTARY EVIDENCE as proof IN WHICH THEY BASED THEIR DECISION ON I HAVE YET TO RECIEVE THAT EVIDENCE. Pursuiant to 15 usc 1681c-2 ( c ) ( 3 ) information itself can not be evidence of me obtaining goods and services.

I have never done any business with any of the furnishers of this information, I have no contract with them, they are not creditors of mine, I have never had any relationship with any of the furnishers of the false information being reported. I was never given any documents to prove otherwise.

Transunion knowingly and willingly continues to report inaccutae and unverifiable information on my credit report after notice of the facts was given. They have failed to maintain reasonable procedures to assure compliance with the fair credit reporting act since I am a victim of identity theft pursuant to 15 usc 1681e in which they were to prevent from happening as well as allowing persons to furnish information without a permissible purpose I had no business relationship with any of the furnishers, no contract, they are not a creditor of mine, I have no account with, no obligation nor any services was ever rendered to me pursuant to 15 usc 1692e ( 2 ) from these furnishers. Transunion failed to protect my right to privacy in which they had an obligation to protect pursuant to 15 usc 6801. They allowed my nonpublic personal information to be obtained by perpetrators of fraud.

I am suffering and will continue to suffer harm to my reputation from the material misrepresentations in my credit report if this error is not corrected immediately.

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 2023-09-23 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 : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA 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 2023-09-23 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: Zions Debt Holdings
State: PA

Complaint narrative:
I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from Zion bt holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore Zion has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and TRANSUNION. 
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ".

..promptly DELETE all information which can not be verified. '' 1. XXXX XXXX XXXX violated my rights according to FCRA, listed above.

Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

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 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I requested that you stop contacting me in all possible ways and portfolio recovery kept contacting me, then afterwards i put in a complaint and they sent back that i need to authorize the complaint after i sent full account numbers and the name of who i am. I am authorizing this complaint and i want to follow through and they will he receiving paperwork from attorney soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This is not my debt. I have no knowledge of this debt. I am already paying off medical bills to debt collectors directly. This is something new and I believe it to be fraudulent.I am getting texts from a number saying I owe {$2000.00} or more. I have never received any letter from any company about this. I would at the minimum demand a letter in the mail describing the debt and the validity of it to me, as well as the alleged dates and services from the original company and that companies name. I have no idea who this MBA company is or why they are all of the sudden contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed accounts with Experian do to identity theft, the accounts came back as verified within a matter of days. I then submitted a notarized and certified letter requesting a method of verification and asked Experian to send me all the proof that they received in order to verify that the debts belong to me. Again they did not comply and verified the debts on my credit report as accurate within days, They did not provide me the documentation i requested. This is a direct violation of my consumer rights 611 of the FRCA. Experian send these generic response 's to consumers in order to dissuade consumers from exercising their rights and this needs to stop. They do not care how their inaccurate reporting effects consumers. They receive money from data furnishers who report inaccurate information. I am attaching the method of verification letters that experian has received and not honored.

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