vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
According to the FCRA, the information on my credit report MUST be is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past debt validation requests Ive sent they did not provide supporting documents. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the account that I previously disputed with all three credit bureaus are still showing. 
XXXX XXXX XXXX could not provide documents with my signature. Since they are unable to supply legal supporting documentation that I am legally bound to pay them this account must be removed. XXXX XXXX XXXX couldn't show me legal proof that I have ever done business with them or have been associated with them in any personal and/or business matter.I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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 a victim of identity theft please remove this fraud inquiry 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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, I'm fed up. My almost {$800.00} per month student loans resumed this XX/XX/XXXX, and this is what I've had the displeasure of dealing with : XXXX set up auto-debit well before XX/XX/XXXX, along with my bank account information. 
-On about XX/XX/XXXX, I logged into my student loan account and was advised by Nelnet XXXX my account was delinquent, and I had to pay the outstanding balance immediately. 
XXXX did, and then they charged me twice for XXXX. When I tried to call them to remedy the situation, I was told I had to contact my bank to reverse the charges for the second unauthorized charge, which I did. The second charge was reversed. 
-While I was still doing automatic debit with Nelnet XXXX I received another message from them in XXXX that my automatic debit was not accepted because I had " insufficient funds. '' This was nonsense, as I had well over {$1600.00} in my account, and told them such. 
XXXX 'm continued to be hounded by emails and statement balances from the XXXX XXXX XXXX XXXX and Nelnet XXXX letting me know I am " behind '' in my payments. 
-As a last resort, I decided to just use my bank and XXXX XXXX XXXX payment to XXXX XXXX. 
XXXX just received a notice from my bank a moment ago that the transaction " Failed '', even though I have {$2200.00} in my account. 
-My patience is at an end. If Nelnet doesn't remedy this situation within 10 days, that will let me know I will need to pursue further legal action to protect myself from their nonsense. 
-I am begging you to please help me. I am not trying to get out of anything, and this is the first time in my life that I've had to strategize how to pay another entity ; you'd think they would want more money. Oh ... nevermind ... I won't get the scraps of minor interest rate reduction if my auto-debit is disputed or cancelled. 
-And this has been really great just in time for the holidays, so I guess my loved ones will be lucky to even get a card this year with this ridiculous amount of money I'll have to pay every month once again, even though the whole reason I got this degree was to become a clinical psychologist who helps my patients every day with suicidal thoughts, XXXX, and anxiety. Which I am a clinical psychologist, and help my patients everyday. 
XXXX days from today, and then I'll take further legal action if there is no response or remedy. I'm done. And I'm certain the XXXX would like to hear about my story, so I'm preparing for that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV funding did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with LVNV Funding I have No contract with LVNV Funding. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j LVNV has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: TX

Complaint narrative:
The company has put a collection on my credit report that has ruined my ability to rent for the past 5 years. The balance is not valid and I have been disputing this balance for two years. I have emailed the company a list of items to mail me showing proof of ownership of this debt and they have not provided that. This collection item has caused emotion distress and I will be pursuing this in court if it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instruction.

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 2023-12-06 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: NY

Complaint narrative:
I extend my gratitude for your efforts in addressing some of the fraudulent entries on my credit reports resulting from an alleged identity theft. I appreciate the time and attention you have dedicated to this matter. However, there remain unresolved items that require immediate attention and removal. I kindly request XXXX Credit Bureau to address the following outstanding items, previously unattended in my prior complaints. For your reference, I have listed the relevant details below. Additionally, I've included my FTC Report # XXXX for your comprehensive understanding : -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- TRANSUNION -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This formal complaint serves as notice that the failure to eliminate these specified items from my credit report may lead to legal action. I have informed my legal representative of my intentions, and they are prepared to address any willful noncompliance.

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 2023-12-06 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: NY

Complaint narrative:
I extend my gratitude for your efforts in addressing some of the fraudulent entries on my credit reports resulting from an alleged identity theft. I appreciate the time and attention you have dedicated to this matter. However, there remain unresolved items that require immediate attention and removal. I kindly request Equifax Credit Bureau to address the following outstanding items, previously unattended in my prior complaints. For your reference, I have listed the relevant details below. Additionally, I've included my FTC Report # XXXX for your comprehensive understanding : -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX , NV XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- EQUIFAX -- XXXX -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- XXXX -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This formal complaint serves as notice that the failure to eliminate these specified items from my credit report may lead to legal action. I have informed my legal representative of my intentions, and they are prepared to address any willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I WANT THE 1098 CORRECTED AND A REAL AUDIT OF THE LOAN THEY SENT THERE WAS MISAPPLIED FUNDS AND LATER THE PAYMENTS I MADE WHEN IT WAS TRANSFERED THEY WERE PUT AS CURTAILMENT OF THE LOAN I HAVE A STATEMENT FROM ESCROW SHOWS PRE PAID % WHERE IS THAT? 
WHY HAVENT I BEEN CREDITED THE FAKE TAX PAYMENTS XXXX TRIED TO PULL OFF? 

WHERE IS THE EXTRA MONEYS I PAID TO PLANET I CAN NOT FILE TAXES PLANET REFUSES TO GIVE A 1098 OR THE CREDIT LA TAX OFFICE GAVE BACK TO XXXX THERE WAS NO TAXES THEY SHOULD HAVE PAID I WAS REFUND {$1000.00} BECAUSE IF THEM XXXX WAS REFUNDED {$1300.00} + $ XXXX {$760.00} + {$54.00} = {$2500.00} I AM AFRAID TO PAY TAXES BECAUSE THEY HAVE INTERFERED AND THEN CHARGE MORE IN PAYMENTS THATS HOW THEY OPERATE ... ... I HAVE A LIST OF PEOPLE THAT HAVE HAD SAME EXACT ISSUES.. 

GET THEM TO AUDIT THIS LOAN NO MORE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: WY

Complaint narrative:
I disputed the incorrect payment status reporting of this account. I am showing all payment to be made on time during the term of this account. XXXX is showing current status, yet Equifax and XXXX is showing 30 day late will reporting the months detail as on time. Please update the payment status from Late 30 days to Current to reflect the correct status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Closed Capital One credit card on XXXX XXXX. Requested a closing letter and final bill for the month of XXXX, and paid that amount by XX/XX/2023. Capital, one continues to charge interest on the account. Contacted them and they said yes we did receive the final payment for the account, but because you did not pay of the balance each month interest accrues each month. 

That does not make any sense.. see the pay off letter and the statement for the month of XXXX. attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: MI

Complaint narrative:
XXXX XXXX account. I never had or opened. 
Also an XXXX account. Below I spoke with XXXX XXXX on the phone a few different times. The resolution was the account was an error to be removed from my credit report. However, its still not. 
XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance {$1000.00} Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1300.00} Highest balance {$1400.00} Terms - On record until XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I disputed the incorrect payment status reporting of this account. I am showing all payment to be made on time during the term of this account. XXXX is showing current status, yet XXXX and Transunion is showing 30 day late will reporting the months detail as on time. Please update the payment status from Late 30 days to Current to reflect the correct status.

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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite numerous disputes, the erroneous information persists, staining the overall standing of my credit report. I demand immediate action to rectify this issue and request the removal of these inaccurate late payments. 
Account Information : XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is disheartening to see that inaccurate late payments continue to be reported on my credit file. This misinformation is negatively impacting my credit standing and hindering my ability to secure favorable financial opportunities. 
I am formally requesting the immediate removal of the inaccurate late payments from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, and it is imperative that you adhere to these guidelines to ensure the accuracy of my credit report. The prolonged existence of these inaccuracies despite previous disputes is unacceptable, and I demand immediate action to rectify this situation.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit profile and it had wrong addresses, spelling of my name, phone numbers incorrect

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've got a Alpheon credit card that I've never applied for. 
They checked my credit score on XX/XX/XXXX. 
I found this card in my mail box on XX/XX/XXXX. 

I tried to reach to the company by calling them the numbers below. 
XXXX XXXX But I couldn't reach to any representatives but I accidentally activated the card. 
I didn't say anything about regarding " activating ''. I was trying to reach to representatives but the phone call system just activated the credit card. 

I think someone opened the account with my SSN without my consents. 

Also, I received an email on XX/XX/XXXX from SSA which is suspicious. The email is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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 am a victim of identity theft please remove this fraud inquiry 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 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Multiple phone calls from agency Portfolio Recovery throughout the day as late as XXXX, even on Sundays. Attempts to block each individual number, however this has been unsuccessful as agency will use new number each time after blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute a collection agency call XXXX on my credit report for transuion on XXXX XXXX XXXX  and I have not heard anything from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief