vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: BANKERS HEALTHCARE GROUP LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint with Bankers Healthcare Group, LLC after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized. 
I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system. 
Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: PA

Complaint narrative:
I got all my credit report. I got a late payment from XXXX XXXX. I never lived there in my life and I told them it wasnt me nothing about it, and still on it

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 2024-08-18 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: UPGRADE, INC.
State: CA

Complaint narrative:
Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines UPGRADE XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including UPGRADE INC, XXXX XXXX XXXX, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: PA

Complaint narrative:
asked all 3 bureaus to investigate accounts on my credit report involving XXXX XXXX, investigation came back as verified but was not given a sign contract with my wet signature, was not given information on who was spoken at the company, dates when tje dpoje to them, to verify i owe debt. I was also not given prior statements showing payments nade onto account. When i contacted XXXX XXXX i was rold they do not have any contracts signed by me so how was information verified by credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Im having major mechanical issues with my car. I took the car to be serviced and was informed that the transmission will need to be replaced. The cost of repairs $ XXXX. The shop stated that XXXX has known issues with transmissions and they should do a recall. I called Ally twice to get help because I cant afford the payment. I no longer work for the same company and my income has been reduced by 60 %, I have to pay for travel back and forth to work. I believe I owe like $ XXXX on the car. I know it was a high interest loan. I called Ally to see if we could consider the car paid or some form of help. I was told to call my car insurance. I requested a supervisor and was giving options of a loan modification but they hung up on me. I dont know what to do. Ally is not trying to help me at all during my hardship, instead Im being treated like a number. I cant trade the car in because its worthless. Im asking for help during this time. I can provide statements if me paying for transportation to and from work and the invoice from the transmission shop. I dont feel as if Ally cared at all. I have paid a substantial amount for the car. Was even lied to about the extended warranty that was added on to the loan. Ally did nothing about that so Im paying the higher note because that was factored in. I didnt agree to the warranty and they didnt care because I didnt purchase the car through them. Please look into my concerns and not treat me like a number. I have been a customer over 4 years now and my car note is {$530.00}. Plus I have had late fees too. So I have paid more than what the car is worth. Now Im not sure if I can continue to work, paying for a ride to and from work is draining. And to also have to pay on an inoperable car is too much. Im begging and pleading for someone to look into this and help me. Im destitute and borrowing money from family to make it. I took a XXXX  % pay cut for this new job. I dont know what else to do I tried calling Ally directly and no help. Im asking to look into my concerns as an individual and not a number. I have tried to work with Ally before submitting this complaint. Im close to living in a shelter because of everything thats going on. Now my daughter will start back to school and its not on bus line so I have to pay for her to go back and forth. I need help, please help me. I dont have a car and no one will trade it in for what Ally is showing I owe. They said that the car has negative equity. Basically what I owe now its not worth the value of the car. Please help me, Im begging and pleading. I will have to leave my job if I dont get transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: PA

Complaint narrative:
I requedt debt collection agency to not share my personal information with any third party, affiliates, or outside agency/company yet they shared my information anyway. I also asked for them to verify i owe debt by sending me a sign contract with my wet signature and all prior statements showing all prior payments to debt. I was not given any information. I also requested the 3 credit bureaus ( XXXX, XXXX, and XXXX ) to validate these account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I purchased a XXXX dollar gift card from XXXXAmerican Express. I ask the cashier if she was sure the card was activated and she said yes I left the store and placed it birthday card and later that day I went and tried to use the card and it keep reading error so I called the customer service and that told me to check back at the store to make sure the card was activated so I went back and was told they couldnt do anything because I already left the store and I called back then all of a sudden the card has nothing on it and on top of that the card was used half way across the country and I know I didnt use it because I still have the receipt and physical card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
I pulled my credit file from Equifax. They listed XXXX XXXX XXXX on my file. I filed a dispute stating the account paid in full. I supplied the letter from XXXX and StudentAid.gov that it is paid in full. Equifax refuses to change the file. I received the results back from the dispute stating the account is correct when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach, repond by CFPB portal get evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Please provide the info i request on attach, repond by CFPB portal get evidence

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 2024-08-18 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: PA

Complaint narrative:
asked all XXXX bureaus to investigate accounts on my credit report involving XXXX XXXX, investigation came back as verified but was not given a sign contract with my wet signature, was not given information on who was spoken at the company, dates when tje dpoje to them, to verify i owe debt. I was also not given prior statements showing payments nade onto account. When i contacted lvnv funding i was rold they do not have any contracts signed by me so how was information verified by credit bureaus

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my Transunion credit report. Despite my repeated attempts to have these accounts removed, they presist, causing significant damage to my financial reputation adn well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissibile purpose to explicit consent. Please see attached file for these items I am complaining about.

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 2024-08-18 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: PA

Complaint narrative:
asked all 3 bureaus to investigate accounts on my credit report involving XXXX XXXX, investigation came back as verified but was not given a sign contract with my wet signature, was not given information on who was spoken at the company, dates when XXXX XXXX to them, to verify i owe debt. I was also not given prior statements showing payments nade onto account. When i contacted XXXX XXXX i was rold they do not have any contracts signed by me so how was information verified by credit bureaus

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 2024-08-18 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach, repond by CFPB portal get evidence

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
1 ) this company keeps charging interest fees on a closed credit account.

2 ) they have committed trust fraud for maleficense of office by not doing their fiduciary duty that i granted them!

3 ) they have illegally stolen the 2 negotiable instruments for payment in full that was legally endorsed i sent them certified mail 4 ) stated in ( ucc3-603 ) tender of payment is to be discharged upon denial or rejection of payments for any obligations or services performed 5 ) they have repeatedly reported illegal consumer transactions to the credit reporting agencies without my written or verbal consent 6 ) they are continuing to violate and commit felony fraud by discriminating and denying me access to my unlimited credit as i am the creditor and i create the credit by using my endorsed signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines XXXX  XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including XXXX XXXX, XXXX XXXX XXXX, NATIONAL ENTERPRISE SYSTEMS. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.

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 2024-08-18 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: Velocity Portfolio Group
State: CA

Complaint narrative:
Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines XXXX  XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including XXXX XXXX, VELOCITY INVESTMENTS LLC, XXXX XXXX XXXX. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.

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 2024-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
in XXXX my loan with XXXX XXXX showed closed no information available. after many years looking for loan while lien stayed in XXXX name in XX/XX/XXXX loan appeared with XXXX XXXX XXXX  after requesting copy of assignment and note as proof of ownership i could not get documentation. 28 months later from XXXX XXXX XXXX XXXX  i received. after much investigating in XX/XX/XXXX i found information. XXXX XXXX  which is XXXX  XXXX and XXXX XXXX XXXX held loan until XXXX without sending any monthly statements or changing lien or placing on my credit report to find, sold loan to XXXX. XXXX allowed XXXX XXXX  to continue servicing loan for an additional 12 months with out statements or mailing an assignment. In XXXX XXXXchanges lien placing them selves as nominee.XXXX held lien for 14 months until XXXX XXXX XXXX XXXX XXXX as trustee changed lien again. i tried to work out with service provider XXXX XXXX XXXX but they would not send proof of loan. zombie loan was only XXXX dollars and no one i have talked with is acting in good faith. I have tried to resolve and all have dragged getting information for this includes XXXX XXXX XXXX XXXX XXXX. i applied for mediation but could not go forward as they would not produce note. I am at wits end trying to get this resolved. I have agreed to settle but the attorney office could not get letter drafted in a reasonable time 80 days with 23 days to settle.

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