vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: LA

Complaint narrative:
Midland Credit Management XXXX : Consumer Support Services XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX, I have recently received a notice that Midland was zeroing out the account in their office that was falsely reporting to my consumer report. Since XX/XX/2021 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX Bank as I know that this company purchased that debt thats already been written off and was attempting to collect it from me illegitimately. 

I have not now, nor have I ever done business with Midland Funding. For them to park this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove this account. 

Now that it is removed, I demand that Midland pay me what is owed to me according to law. I have actual damages and there are {$1000.00} violations attached to each time is was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms that have been mailed to me over the past year in support of your wrongdoing. It all stems from the false misrepresentation of Midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well. Your choice. 
I have dealt with this harassment for long enough. For far too long my character has been defamed by the comments left by Midland on my reports against my efforts to resolve the situation outside of XXXX court. I expect a settlement offer within XXXX  days of this notice or further legal action will be initiated. 
I have enclosed XXXX pieces of evidence that proves just how long I have been fighting and the type of response and willful non-compliance I was getting from Midland in response to my disputes. You should be ashamed of yourself XXXX. Talk Soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX FIN XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DAS ACQUISITION COMPANY, LLC
State: CA

Complaint narrative:
This company collected my DL, SS #, Mortgage Statement, and Credit Report. I'm severely violated here since now this XXXX man team will not hand over my XXXX XXXX credit report. The CFPB will not do anything but send a letter. YOU have to enforce harder punishment for these XXXX XXXX  mortgage companies taking advantage of us and HAVING our whole life and we have nothing ( my SS #, DL #, picture, etc ). 
Now, they will not communicate with me after I informed them I was writing the Attorney General 's office. 
XXXX told me that they were pulling a " HARD REPORT '' BUT XXXX promised it was a SOFT pull. 
On the online application I told her that I wasn't going to agree to a credit pull since I had a copy to sue her. 
I HAVEN'T BEEN GIVEN ANY DETAILS OF THE LOAN? 
YOU have to REGULATE this Mortgage industry. 
NOW, I'M FEARING THEY WILL SELL MY DATA. 
They are refusing to release my credit report to me stating they can only send me a consumer version. 
I was forced to RELEASE MY CREDIT OR ELSE XXXX WAS NOT GOING TO PROCEED WITH THE LOAN. 
I had sent her a copy of my Credit Report from XXXX Bureaus ' but this was NOT GOOD ENOUGH FOR HER. 
SHE FORCED ME BY STATING THAT SHE HAD TO PULL HER OWN COPY??? 
IT STATES THE SAME INFORMATION??? 
Now, they won't proceed with the loan since I'm requesting a copy of what they have on me. 
They have a MORTGAGE CREDIT and XXXX stated that I CAN'T HAVE A COPY OF MY OWN CREDIT THAT SHE ILLEGALLY PULLED? 
XXXX alerted me that I had a hard pull on my credit this morning. 
I had sent her my credit report yesterday ( XX/XX/2022 ) SHE PROMISED ME IT WOULD BE A SOFT PULL SO SHE LIED. 
I DON'T EVEN KNOW THE NAME OF THE MORTGAGE COMPANY WHO WILL HAVE MY DATA? 
WHO IS DAS/ACQUISITION OUT OF MISSOURI? 
They don't even answer the phone like a normal business?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/2022, I visited XXXX XXXX in XXXX Tx to complete a consumer credit transaction. 

I was met with sales agent XXXX XXXX. Who showed me several vehicles in which I selected a 2022 XXXX XXXX XXXX XXXX. 

XXXX XXXX advised me that truck total cost would be increase by {$7500.00} because of the times we were living in. I am not sure what that means. 

I advised him I would go to my credit union to apply for the loan. He stated he can run a soft credit check with the Ford Dealership so I may compare rates. I agreed. This was false and misleading ; I was in fact received two hard inquiries for this transaction. 
He stated, I would need to talk with finance about terms. I was then sent upstairs to speak with XXXX. I was told by XXXX. That I was declined for the truck because of the amount of the truck. ( I have this conversation recorded. ) Where he is stating that I was declined because of the truck price and they fact I never purchased a vehicle of that amount. And that I couldnt purchase a vehicle of that amount. 
I felt the dealership feeling uneasy about what just took place. 
I quickly left. 
The truck was originally priced for {$68000.00} by time I left the total cost was {$83000.00}. 

I asked that a manager reach out to me on XX/XX/2022 that never happened. I called back 3 days later no follow up. 

On, XX/XX/2022 I called back to speak with a manager to discuss my concerns about the reason why i was decline and he didn't have a respond to the reason I was being decline. He stated if I could get a cosigner that would be good. 

I have reason to believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I am aware of my rights and know I can not be treated this way. This is indeed unfair and inaccurate billing practices. I feel like I dont want to apply for any more credit. I am losing faith in this banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield And Associates Legalinc Corporate Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : The Office of Registered Agent for Wakefield And Associates Inc My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate acting trustee Wakefield And Associates on XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX FIN 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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor 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 explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HW Holding, Inc
State: FL

Complaint narrative:
My husband and I struggled to make payments to the apartment due to Covid-19 job loss and XXXX. We let the apartments know immediately but we were constantly being harassed and threatened despite having several Covid-19 moratoriums we properly submitted to the leasing office they would threaten to evict us and constantly call all day begging for any kind of payment when we were told they should not be given not one penny because they were being paid off by XXXX XXXX XXXX and were paid thousands of dollars for several months of rent. Despite being paid off they proceeded to harass us and send our account to evictions. We had an attorney through the assistance program whom was able to prove all monies were paid prior to being sent to evictions and we were cleared. After this they continued to make threatening calls and harass us for money and unlawfully went into our apartments and falsely said we had abandoned our apartment and threw away our clothes and several items we had in the apartment like kitchenware and other goods. Even though we still had the Covid-19 moratorium they locked us out of our apartments and sent us to collections. This company has been paid off by XXXX XXXX and had no right to enter our residence while we were gone and take our things and lock us out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original 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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and Experian are not approving the dispute, resulting in the open on the XXXX Signature Visa still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and XXXX are not approving the dispute, resulting in the open on the XXXX XXXX XXXX  still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about these concerns. Please investigate and remove them from my personal credit file. Thank you. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} ; CAPITAL ONE BANK USA N XXXX Balance {$2400.00}

Company response to consumer: Closed with explanation