vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on This agency is in violation of 15 USC 91692g. They were to notify me of this in writing 5 days prior, I was not notitied. As the original creditor. only I can validate this debt. I do not validate this debt. Therefore. the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC {$1600.00} ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes vour social security card, driver 's license ID, and license plate credit cards that are were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards Consumer credit agent 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a fraudulent credit report for capital one which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, XXXX XXXX has a lawsuit for fraudulent activity that has now made its way to my collections!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have asked for PROOF of " validation of a XXXX XXXX  bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " Transunion and XXXX XXXX '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.

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 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was scammed using XXXX to pay for a product that seller never intended to send. My bank PNC refuses to reimburse me. I have no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma website advised me that I had EXCELLENT & GOOD approval odds, and when I applied I get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
Automotive Credit Corp has about placing CPI insurance force place insurance on my account illegally. 

I have sent them several information messages and asked them to please update their system letting them know that I do have insurance for the vehicle purchased I purchased a vehicle in XXXX Ive had insurance on that vehicle from XXXX until the date that I paid it off which would have been XX/XX/XXXX XXXX this company continue to charge fourth place insurance CPI insurance on the vehicle even though Ive sent them several emails several proof that insurance was in place this of course caused me to be late or have missed payments due to them charging me for this insurance that was not needed please see all the proof here which shows that insurance was with this vehicle ever since XXXX Over the past two weeks I've spoken with five to six different people at automotive credit Corp then they told me to contact someone at XXXXXXXX XXXXXXXX XXXX  I have verified all the information I've had my insurance agent sent over insurance documentation shown we have proof of insurance from the date they requested please see all attached this company has been giving me the runaround this company has refused to remove the force placed insurance which is causing me extreme damage financially. 

Automotive Credit Corp stated that I did not have insurance in place from XXXX to XXXX which is incorrect Automotive Credit Corp also stated that I did not have auto insurance on the XXXX XXXXXXXX XXXX from XXXX to XXXX and place CPI illegally. 

I sent the proof of the insurance that they stated I did not have. I have also sent the insurance documentation over 5 different times to XXXX XXXX which is a company that Automotive Credit Corp uses to verify insurance. 
Again this company continues to give me the run around

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This company XXXX located at professional debt mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has a judgements on my credit for an amount not owed I attempted to negotiate with this mediation company to pay XXXX for which they did not accept. Then I ask for the summons that was served to me with my signature or could they furnish burden of proof with my signature that I was made aware of this collection amount owed .I want the burden of proof that I XXXX XXXX signature and paperwork was provided to my current address for this debt Also provide me of the method of contact they used to contact me with paper trail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
I am a natural personXXXX XXXX  also known as XXXX XXXX XXXXXXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am a natural person.XXXX XXXX also known as XXXX XXXXXXXX XXXX is in violation of 15 USC 1681 604 A section 2 in which i have NOT given written permission to furnish the account to any consumer reporting agencies.

Also, 15 U.S.C 1681 section 602 A states I have the right to privacy.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma giving hard inquiries to check if Im approved for pre-approved cards, also would apply for cards that said Id get approved for but Id get denied

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
About a year ago received notice by credit reporting application credit karma that medical collection was place on my credit report. I reached out to agency letting them know that it was not me and it is still on my report, and it is now stopping me from obtaining suitable housing

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - account was reinserted on my credit file without the 5 day notice to notify me which is required by law causing me to get denied for a home loan and have cause much XXXX. No other credit reporting agency is reporting this debt making it inconsistent.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
The complaints were sent to CFPB on XX/XX/2022 Complaint number XXXX And XX/XX/2022 complaint number XXXX These are the accounts still showing inaccurate 1 ) Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. You said you did a full investigation and that these items were XXXX person correct which looking at the report they are not correct. 

I have attached copies of credit report with inaccuracies highlighted in red and need these items removed 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 explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I have a fraudulent credit report for XXXX XXXXXXXX which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, speedy cash has a lawsuit for fraudulent activity that has now made its way to my collections!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Four Directions Lending LLC
State: TX

Complaint narrative:
Eastline Lending contacted my employer in XX/XX/2022 and sent a wage garnishment for an apparent debt. I contacted this company and was informed it was a mistake and I had no debt with them. Now another company... XXXX XXXX contacted my employer in XX/XX/2022 for Eastline Lending trying to garnish my wages again. My employer has already asked them to cease and decist again. I have also contacted them and nothing can be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
My wife XXXX XXXX called Tower Loan in XXXX, LA on XX/XX/22 to pay off my loan. We have the phone call recorded. She spoke with the lady who says she is the manager there XXXX. In the phone call you can hear XXXX tell XXXX the payoff amount of XXXX and that there will be a fee of XXXX. XXXX authorizes the payment and gives her the card information. XXXX says hang on there was a glitch on my computer and I dont know if the payment went through. XXXX got notification on her phone that it ran XXXX and told her about it. XXXX couldnt explain why that happened. XXXX asked her to correct that transaction and run it for the whole amount because we didnt want to pay the {$2.00} fee twice. XXXX told us that she could not do that and she didnt want to run the other part of the payment either because it would charge us. We called to do the payment over the phone for the payoff and paid the {$2.00} fee as a convenience to us. She said we could bring the rest of the payment in the office. XXXX called today XX/XX/22 to be sure payoff was still {$29.00} which is amount we should owe and they told us no that it was XXXX. We got XXXX back on the phone and she was telling us it was because the same as cash option had expired and we had gotten a late fee. We should not owe any of these fees because we called to pay it off on XX/XX/22 and due to XXXX 's mistake it was not paid in full. XXXX said she called and talked to her supervisor XXXX and she told her that they could get it down to {$39.00} but we are still responsible for the {$10.00} late fee. My wife is almost 6 months pregnant and the way they are talking to her is causing her severe anxiety and stress. This needs to be handled. I have heard many people complaining about this company but this is the first and the last time I will ever deal with them. XXXX told me if we didnt pay the XXXX that it will not be paid out and it will be reported to my credit. I need to know if I need to get an attorney involved or what because this is not my fault. XXXX made the mistake and they should not be allowed to treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because XXXX & True Accord are stating that I owe a debt when I do not and XXXX & True Accord are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to XXXX & True Accord are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me XXXX needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX I disputed the referenced accounts above XX/XX/2022 and on XX/XX/2022. The credit report of XX/XX/2022 shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One allowed someone to fraudulently open an account # XXXX in my name also make purchases and also sold my personal information to a 3rd party debt collector without my consent. I am requesting the original contract with terms and signatures that gave consent to Capital One to sell my personal information to 3rd parties for collection. I've contacted Capital One Several times to resolve the identity theft issue with no results. I am requesting documentation to seek legal action if nothing gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
this year i checked informed by credit reporting application XXXX XXXX that a collection account was put my credit report that i did not open and has greatly affected my credit score and is now stopping me from obtaining suitable housing

Company response to consumer: Closed with explanation