vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: TN

Complaint narrative:
I received communication from a debt collection agency through text messages by the name of PENDRICK CAPITAL PARTNERS. This agency has already assumed an alleged debt belongs to me by providing a link attempting to persuade me to click the link. It seems deceptive and I'm speculating that it may be an attempt to get my private information so they can keep it for their records. I have not received enough information regarding the alleged debt the mentioned nor a contract with my signature. Tennessee state law requires debt collectors to have a license before they can collect from any consumer in Tennessee. I researched their company, and they do not have a Tennessee license. This is a violation, an invasion of privacy, and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We were told by our loan agent, XXXX XXXX ( loan depot ) on approximately XX/XX/XXXX that our loan was approved and when I told her that we were not able to pay our mortgage without the loan. She assured me not to worry about it and that we would receive the monies from the refinance before our mortgage would be late on the XXXX of XXXX. Days later, we were told we needed documents that were unreasonable and impossible to provide. Now our mortgage is overdue and they are cancelling the loan. We are angry and frustrated and don't know where to turn at this time. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: NC

Complaint narrative:
I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I am submitting a complaint against Starmark Financial LLC regarding an account they have reported to the credit bureaus. Starmark Financial asserts that they purchased this account from the original creditor, with whom I have had no prior business relationship.

I challenge the validity of this debt and believe that Starmark Financial is not complying with federal regulations, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Starmark Financial has failed to provide the required validation of this debt under 15 U.S.C. 1692g ( b ). Additionally, their continued reporting of this account without proper validation violates 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that all reported information must be accurate, complete, and verifiable.

Despite my dispute, Starmark Financial persists in reporting this account, which is negatively impacting my credit. I believe this is a deliberate violation of my rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to investigate this issue. I demand that this account be removed from all credit reporting agencies and that any other appropriate measures be taken to address this unlawful reporting. 

Additionally, I am formally demanding the deletion of the disputed account from all credit reporting agencies. Under the FDCPA and FCRA, you are obligated to ensure that all reported information is accurate, complete, and verifiable. 

Upon acquiring this account from the original creditor, Starmark Financial became subject to the validation requirements outlined in 15 U.S.C. 1692g ( b ). Since you have not provided sufficient validation that this debt is legally enforceable, and you have not demonstrated that Starmark Financial has the right to report this account, your continued reporting constitutes a violation of the FCRA under 15 U.S.C. 1681s-2 ( b ).

Moreover, as you have admitted that there has been no direct business relationship between myself and Starmark Financial before your acquisition of this account, I dispute the legitimacy of this debt entirely. Without direct proof of ownership and proper validation under federal law, your reporting of this account is inaccurate and misleading. 

In accordance with the FCRA, I demand that Starmark Financial LLC immediately stop reporting this account to any credit reporting agencies. Failure to comply will result in my pursuing all available legal remedies, including filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing civil litigation for violations of my consumer rights. 

I expect to receive confirmation of the deletion of this account within the legally required time frame.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-08-28 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I took out a school loan of {$19000.00} through MOHELA in XXXX of 2019 for graduate school Recently I checked my credit report on XXXX and saw that its reported that I have XXXX loans of the same amount on the same day ( XX/XX/year> ) taken out by MOHELA in XXXX of 2019. This information is incorrect and it is a duplicate. I currently only have XXXX loan from MOHELA. This is affecting my XXXX XXXX. When I tried to dispute the information through XXXX, nothing was done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: Byrider Franchising, LLC
State: PA

Complaint narrative:
In 2022 I purchased a vehicle from XXXX  had it financed through their company cnac and insured through XXXX. XXXX  months later I was in a tragic accident leaving me in a XXXX XXXX XXXX for XXXX months and losing my leg. During this time I was under the impression my insurance paid the loan off and I never received a text, email or phone call that I owed them money. Now I am trying to purchase another vehicle and my credit report shows the vehicle as being repossessed and me still owing cnac  XXXX. 
I attempted to call them today and was yelled at and hung up on by XXXX of their supervisors and when I attempted to call back I was hung up on as soon as I gave my name and the third time I called they no longer could locate my account and I was told a supervisor would return my call but that never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-29 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-08-29 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: TN

Complaint narrative:
I am writing to formally request the removal of hard inquiries from my credit report, which I believe are inaccurate or unauthorized. I have reviewed my credit report and found these inquiries to be not properly authorized. When I went to apply for credit at these locations, they stated that it will not affect my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-29 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: TN

Complaint narrative:
I am writing to formally request the removal of hard inquiries from my credit report, which I believe are inaccurate or unauthorized. I have reviewed my credit report and found these inquiries to be not properly authorized. When I went to apply for credit at these locations, they stated that it will not affect my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I've found : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these inquiries from my credit report. I've also attached my identity theft report as well.

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 2024-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I've found : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove these inquiries from my credit report. I've also attached my identity theft report as well.

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 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc
State: NV

Complaint narrative:
Today I got a call from plus XXXX debt collection they left me a message on my phone, also I had a call from XXXX  XXXX financial services as well, also I checked my credit report and they need to clear off the deprecatory remarks, and boost my credit take down the charge off on my credit. It is now messing with other bills and my car insurance. 
I do not know how many times I have to repeat myself to these people I am out of work at the moment due to health issuses and by law I do not need to show creditors my health problems etc My credit number for all XXXX companies is at XXXX due to XXXX  XXXX and there other debt collector XXXX XXXX XXXX XXXX. 
I also notice that bill has gone up as well from it being XXXX now its almost XXXX so now what are they charging for?? 
They messed up my credit and didnt apply that hardship deal. 
Im still currently trying to catch up on my other card as well. That call came from XXXX XXXX area at XXXX today. XXXX XXXX so far has called or sent me letters

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing in response to your recent communication submitted on XX/XX/year>, regarding my CFPB complaint number XXXX. In your response, you stated that, following a careful review, the XXXX XXXX account in question was deleted from my credit report, and I was informed that the results of the investigation would be mailed to me. However, I have recently obtained a copy of my credit report dated XX/XX/XXXX, which shows that the XXXX XXXX account has been reinserted. 

This reinsertion of the XXXX XXXXXXXX account violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ). According to the FCRA, if any previously deleted information is reinserted into a consumer 's credit report, the consumer reporting agency is required to notify the consumer in writing within 5 business days of the reinsertion. This notice must include the nature of the reinsertion and provide the name, address, and telephone number of the furnisher of the information that was contacted by the agency in connection with the reinsertion. I did not receive any such notification from TransUnion. 

Given this clear violation of the FCRA, I demand that the XXXX XXXX account be promptly deleted from my credit report. TransUnion must take immediate corrective action to ensure that this inaccurate and improperly reinserted information is removed without delay. 

Please confirm in writing that this account has been deleted from my credit report and that all necessary steps have been taken to prevent future reinsertions without proper verification and notification, as required by law. 

I expect a timely resolution to this matter. Failure to comply with my request will leave me no choice but to pursue further action to protect my rights under the FCRA. 

Thank you for your immediate attention to this issue.

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 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMorgan Chase Bank manipulated my checking account back in XX/XX/XXXX. Chase retrieved old car payments, from my acct, spanning back XXXX months, causing me to lose my new XXXX XXXX XXXX. I sacrifice to make monthly payments for it, and out of nowhere because of fraudulent activity on their behalf. Chase Bank decided to be scrutinize me, the dealer XXXX had no idea what was happening they called me and to share what bank did, anyways to make a long story short, they confiscated my car within a week. My credit score dwindled and now they expect me to pay a XXXX XXXX XXXX balance that i owe them! I'm XXXX yrs, XXXX on back now I'm stuck in rut because of Chase Bank their ugly schemes and fraudulent customer service Dept, even the fraud specialists tried to help me after XXXX  years of business and im their client! Chase Bank are manipulator and then some. Someone, please hear me out for heaven 's sake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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 am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.

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