vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute an account that has been reported under my name. I am a victim of identity theft, and the account in question was opened without my consent or knowledge. 
I have taken the necessary steps to address this situation, including filing a police report and a report with the Federal Trade Commission ( FTC ). I have also notified all three credit bureaus regarding this fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ) and 18 U.S. Code 1028A, I request that you investigate this matter and delete the fraudulent account from your records. 
Please find attached copies of the police report and FTC report for your reference. I appreciate your prompt attention to this serious matter and look forward to your confirmation that the account has been removed. 

THEY SAID THEY WILL REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: V and H Portfolio
State: TX

Complaint narrative:
I was contacted by XXXX and XXXX. The woman on the phone began yelling at me immediately stating I owed a debt. She then hung up me after saying they had been attempting to collect money owed to XXXX XXXX. This was the first phone call they had made to me. 

The debt is now on my credit report. There are also 2 collection companies trying to collect on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but Navient reported my account 90 days past due, strictly for XXXX XXXX XXXX 

After noticing the hit to my credit, I contacted the company and they corrected their iXXXX XXXX, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, XXXX, and XXXX to request correction, but Navient has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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 just reviewed a copy of my credit repor and notice i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just reviewed a copy of my credit repor and notice i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I filed for and was approved for the TPD discharge of my Federal Student Loans. My Nelnet balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and Nelnet and even reached out to the Department of Education with no resolution to this yet except to wait up to XXXX or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
CITIZENS BANK XXXX XXXX XXXX XXXX RI XXXX Has violated XXXX XXXX XXXX consumer rights by not notifying XXXX XXXX XXXX the consideration that was provided by CITIZEN BANK in the contract presented at Drealership. Who was the Authorized Representative Responsible for Signature and Showing liability for the contract. If there is no proof supplied under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX. XXXX I presume that no proof of alleged Debt nor therefore as such debt in fact there fore exists pursuant to 18 USC 8 owe no Debt this company is violating my Consumer Rights to Privacy Pursuant to 15 USC 1681- b2 Company has No permission to Report My Information Per 15 USC 16914. CITIZENS BANK HAS CAUSED SERIOUS HARM TO XXXX XXXX XXXX AND LEGAL ACTIONS WILL BE NEXT IF NOT RESOLVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I received a notice of data breach from XXXX, and their attempt to make it " okay '', which is insufficient, is two years of credit monitoring via Equifax. Equifax refused to verify my identity by asking me questions about information they allegedly have on me in their reports, but I can't validate that information as accurate unless I can accurately guess at what they think. 

All of that is in the attempt to activate the two years of credit monitoring that XXXX provided. 

Instead, they've told me to give them a call when I'm busy by only providing hours in XXXX, so that, during the workweek, I'm busy actually working ; on the XXXX, I'm catching up on all the household work I can't get done during the workweek because I'm working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - REMOVAL OF CHARGE OFF Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 
After reviewing my credit reports I noticed that you are alleging that the above-mentioned account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2024-09-29 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: FL

Complaint narrative:
I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - REMOVAL OF CHARGE OFF Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 
After reviewing my credit reports I noticed that you are alleging that the above-mentioned account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX  per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2024-09-29 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: TN

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit XXXX  XXXX account opened XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX account opened XX/XX/XXXX XXXX XXXX  and opened account XXXX  XX/XX/XXXX account opened XXXX XXXX XXXX XX/XX/XXXX and account XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2024-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Zoca Loans hired a collection company, actually 2 different debt collection companies. The first is XXXX XXXX  XXXX. The second does not have a website address anymore. The first company called a family member several times, stating they were from a legal company had a lawsuit filed and needed to find me. I then spoke to the company and a man on the phone stated they were going to have me arrested for bank fraud and I would never be able to open another checking account again. They then began screaming and yelling at me after I declined to give payment information over the phone. I believe the collection company was XXXX. They stated they collected for Zoca loans. 

I told the collection company, I was working with a debt repayment company. I have been getting unverified phone calls from fake process servers telling me to be home between certain hours. If I am not home, it will be considered a refusal to pay the debt back and legal action will be taken against me. No phone number or name was left. I then received a call from a person named XXXX at XXXX. The number is a XXXX XXXX or burner phone number. The debt relief company called and there was no response. They did answer the phone last week stating they would stop certified mail since I called. We have called and attempted to contact both companies about the debt. 

One of the companies is holding the debt without validity. I can not pay two collection companies. XXXX XXXX  XXXX have the information on my credit report, but I am also getting unprofessional scary, and stocking-like phone calls from the second company. The phone calls are making me feel as if my life is in danger. We need to come to a resolution on who we are paying. My debt relief company is not going to work with 2 companies and also when they are acting suspiciously and elusive. I have not received any paperwork on the debt in the mail either.

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 2024-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XXXXXXXX XXXX XXXX  XXXX Midland Credit Management Inc. 



On XX/XX/year> I received a court summons saying that Midland Credit purchased a debt that does not belong to me and I was not aware of, stating that they are taking me to court and I have 20 days to respond to the summons or a judgement will be put on me for the debt owed that I did not incur. I have never applied for a XXXX  XXXX account, and have never received any correspondence in the mail saying I owe a debt or that it was sold. I am a victim of identity theft and this account does not belong me. Contacting Midland Credit they were no help at all, so I am reaching out to the CFPB to help resolve this issue immediately. 

XXXX XXXX XXXXXXXX XXXX  XXXX Acct # ending in XXXX. Balance Claiming to be owed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A message from a company impersonating Bank of America saying my transfer of money ( i didnt transfer money ) was rejected. Also I don't have have a Bank of America account. 

The email sending the message was : XXXX they provided a " customer support '' phone number to call : XXXX " for more details ''

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of the XXXX data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was incorrect and I recently contacted the credit bureaus in having this fixed. 
On my credit report there is a charged off account from XXXXXXXX XXXX  / credit cards. 

I never applied for or got a XXXX XXXX XXXX. Neither have I ever applied for any other 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 2024-09-29 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: FL

Complaint narrative:
I am a victim of the Equifax data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was incorrect and I recently contacted the credit bureaus in having this fixed. 
On my credit report there is a charged off account from XXXX XXXX / credit cards. 

I never applied for or got a XXXX XXXX XXXX. Neither have I ever applied for any other XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: UT

Complaint narrative:
I'm filling this complaint against : Plus Four inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV, XXXX. 
XXXX This company has reported a negative collections on my credit report in violation of the ( No Surprise Billing Act ) Both Federal and State. I would like it remove immediately. 

The Responsible party for this debt is my Provider at the time ( XXXX XXXX XXXX XXXX ). As they ordered this medical service after my XXXX XXXX were done with out my knowledge and with out my consent out side of my insurance network. It clearly falls under the ( No Surprise Billing Act ) both Federal and State. They are also in Violation of this Law by not taking care of this debt. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the company that the medical service was ordered by my provider. 
They are also in Violation of the Law ( No Surprise Billing Act ) By continuing to try and collect this debt from me. 

All XXXX  company 's are in Violation of the Law. ( No Surprise Billing Act ) both Federal and State. 

All XXXX  company 's were contacted by myself by Mail, Phone and Email to try and resolve this issue. 

I had XXXX XXXX done by XXXX XXXX XXXX in XXXX XXXX NV. They were ordered by my provider XXXX XXXX XXXX XXXX witch is part of the hospital. I was told by my provider and the hospital that that the XXXX XXXX would be 100 % covered by my insurance ( XXXX  XXXX ) and that I would not be billed for anything. 

This debt was acquired after the XXXX XXXX  were done by my provider with out my knowledge and with out my consent. 

The ( No Surprise Billing Act ) States that the provider and the third party have to work out the bill ( Debt ) and I'm not responsible for it. 

I also informed all three party 's involved of this. By Mail, Phone and Email. The provider ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( Plus Four Inc ) of this. 


I XXXX XXXX XXXX swear that the above statement is true and accurate to the best of my knowledge

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 2024-09-29 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: TX

Complaint narrative:
XXXX confirmed in communication with me that account notes show I had requested a forbearance before missing any payments, but XXXX reported my account 90 days past due, strictly for XXXX of 2018. 

After noticing the hit to my credit, I contacted the company and they corrected their internal system, but have failed to correct my credit report. 

I have repeatedly reached out to XXXX, TransUnion, and XXXX to request correction, but XXXX has failed to confirm the correction, maintaining a false hit on my credit and negatively impacting several major purchases. 

Please investigate all parties for responsibility and corrective action.

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