vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE RECOVERY, INC.
State: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX Pinnacle placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to Pinnacle for debt verification documents as I have never dealt with or had any legal obligations with Pinnacle Recovery INC. They sent me documents. I again disputed the information with XXXX for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. Pinnacle Recovery verified inaccurate and false information on my credit file. XXXX continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with Pinnacle Recovery INC and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered XXXX to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. XXXX allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data XXXX is culpable because they must delete false accounts when presenting documents even if the company verifies them as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
I paid my balance off and is requesting the company to delete this account on my credit report ASAP, for its hurting my financial health for me trying to get a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian notified me yet again about dispute that I can see online which is a LIE and when I call and tell them I am also recording the conversation again the none XXXX speaking person HUNG UP

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I, XXXX XXXX called them twice in the past year. I noticed a negative mark on my credit, not knowing why because I just turned XXXX. I called the collection agency Procollect INC they said that theyve been sending letters and calling me to collect this debt. Which I never got, I didnt even have a phone nor my own address because I was a XXXX I mentioned that I disputed with them many of times for the account with the original creditor being made while a XXXX I sent an email to who Procollect INC told me with a copy of my birth certificate for proof of my age to Procollect INC. No one ever got back to me. Procollect INC also told me to try and contact the original creditor XXXX XXXX. I called the original creditor XXXX XXXX. They needed information like the account number and the number used to make the utility account. I didnt have any of that.

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I contacted sunrise credit services informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XX/XX/XXXXXXXX  For reporting fictitious allegations and fraudulent debt Also I have informed XXXX XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
My association is not in a flood or hurricane zone. We currently have a XXXX XXXX XXXX  XXXX policy but it contains no wind. ( not required by association or state or federal govt. ) My loan servicer placed XXXX on my loan. I asked for proof of policy and they sent me a piece of paper with none of my information and no policy number or amount of policy or carrier. XXXX XXXX who is the owner of my policy only requires XXXX XXXX which we have. They are also insuring me for more than what my debt is. They also went back a year with out proper notice and added that XXXX also amounting to XXXX dollars. Attached below is what they sent as proof of policy. I did not redact this document. This is what they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-17 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-17 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: OH

Complaint narrative:
Good morning, my name is XXXX XXXX. I am writing to address the issue of identity theft and fraudulent accounts still appearing on my credit report. Despite notifying TransUnion about these accounts, submitting copies of my police report, FTC identity theft report, proof of identification ( birth certificate, Social Security card, Ohio driver 's license, and a utility bill ), and even writing a letter about the identity theft, they have failed to block, delete, and remove the fraudulent accounts from my credit report. 

The following are the fraudulent accounts that are still being reported by TransUnion, even after being notified to block, delete, and remove them due to identity theft : - Account Name : XXXX XXXX XXXXXXXX, Account # : XXXX, Amount : {$190.00} - Account Name : XXXX XXXX XXXX, Account # : XXXX, Amount : {$6400.00} Both XXXX and XXXX have already deleted these fraudulent accounts, and TransUnion needs to do the same immediately. I have attached a letter with all the necessary information to file a complaint with the Better Business Bureau. I urgently need these items to be removed and blocked from my credit report.

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receiving such information from the consumer.

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 2024-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance is on my credit and it his stopping me from a bunch of things I cant get a apartment without them they have called and threatened me many times if I dont pay they will take something from me

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I got a invation from capital one bank to apply for a quick silver card I have excellent credit with them an a spark card I have never missed a payment or been late I pay early XXXX times a month. I applied for quick silver an was approved had finally got my score up high enough to do so. Open the account on the XXXX of XXXX they closed it on the XXXX of XXXX. I have not even received the card till XXXX XXXX. An on XXXX XXXX  got a letter that I have not followed rules with a platinum card that I never had. They said a gym membership had been bought an online streaming purchase I have not had platinum card with them so I called. A specialist said that the platinum card had been ruled fraud. So then they try an say I was authorized user on a platinum card back in XXXX  I was not but the thing is they said charges was to a platinum card that was ruled fraud. I had nothing to do with either of these issues oh ya the card holder from XXXX was desist. They then reported this to credit berous an I lost 30 points off my score it took me 6 years to get my score above 650 it was 679 when they did this I did nothing wrong I had no perpitacition in either issue an they won't fix it they said oh I'm sorry there's nothing I can do to help you. I can not believe this bull it. Is everybody in America out trying to scam someone please help me this destoried my credit my business my life I did nothing to deserve this I'm I innocent of these charges thank you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: MOHELA
State: MI

Complaint narrative:
I have approx XXXX of loan that should be forgiven but its still being counted on my overall balance. This is making my monthly payment unbearable. I cant speak to anyone and the wait is XXXX hours. The few times I waited I was immediately disconnected. I am allegedly on a forbearance right now but I keep getting emails that I have a monthly payment due and am late? This is extremely confusing for me and there is no customer service rep to speak with. If the XXXX balance was removed off my loan it would likely make my payment lower and I would be able to afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to XXXX for debt verification documents as I have never dealt with or had any legal obligations with XXXX XXXX XXXX. They sent me documents. I again disputed the information with TransUnion for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. XXXX XXXX verified inaccurate and false information on my credit file. TransUnion continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with XXXX XXXX XXXX and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered TransUnion to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. TransUnion allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data TransUnion is culpable because they must delete false accounts when presenting documents even if the company verifies them as 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want you to know that I understand and have great respect for my nancial obligations. Unfortunately, at the time of the incident mentioned above, I had a job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Transaction - Case # XXXX Dear Bank of America Customer Service, I hope this letter finds you well. I am writing to express my disagreement with the recent decision to deny my dispute regarding a specific charge on my credit card account. 
In your response, it was mentioned that XXXX on your account history, this charge is consistent with previous charges with this merchant. While I understand the importance of analyzing transaction history, I would like to bring to your attention that the particular charge in question was not authorized by me. 
I discovered that charge on my credit card statement that I did not authorize or recognize. After thorough investigation, it has become evident that this transaction was not initiated by me, and I believe my card information may have been compromised. 
The circumstances surrounding this transaction have raised significant concerns about the security of my credit card. I firmly believe that my card may have been used by someone without my consent, leading to this unauthorized charge. In light of this, I felt compelled to dispute the transaction and subsequently canceled my card to prevent any further unauthorized activity. This unauthorized transactions have caused significant financial strain, and I am eager to resolve this matter promptly. 
I am fully committed to cooperating with your investigation and providing any necessary information to clarify the nature of this dispute. The unauthorized use of my card poses a genuine security risk, and I believe it is crucial to address this matter promptly. 
I kindly request a thorough reconsideration of my dispute, taking into account the potential unauthorized access and the need to protect the security of my financial information. Your understanding and prompt attention to this matter are greatly appreciated. 
Thank you for your assistance.

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 monetary relief