vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested. 

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
I disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has sent letters for foreclosure on our home for money not owed put it on our credit Charging fees we dont owe.they took over servicing our loan XX/XX/2019 problems from first billing statement till now. I have requested every call recorded to 25 different people iv spoke to, they say Ill talk to my manger.iv requested to speak to manager but never able to till XXXX of this year and after talking to manager problem still not rectified. This problem is preventing us from refinancing while rates are low Our loan # XXXX thank you for your help 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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: CA

Complaint narrative:
I had paid off the amount owed to this company thru escrow of XXXX . Back in XXXX. The check was cash by them and we have proof. Now they are saying it was never paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX sold a used car to my son in XXXX which was very high pressured selling and fraudulent title surfing. The financial Company was Santander Financial. From the start of this transaction XXXX paid {$50.00} of his money to receive a title from someone trying to get rid of the stated used XXXX XXXX XXXX which stated another model of XXXX in the title and was only signed by one party and the MVA stated that they could not transfer. I sent a letter to the BBB wanting to reverse this sale instead XXXX paid for titling with the MVA however, never could get a title from Santander and neither could my son. Moving forward we would flood the MVA for a title which never appeared and also from the beginning of the sale, someone lied and said my son worked at XXXX XXXX so that Santander would finance the car which my son did not work as he had just graduated the summer before. Moving forward Santander sent a welcoming letter stating a XXXX XXXX. Earlier the next year, Santander Financial Services was to pay a {$550.00} million settlement to pay out cars because of fraudulent sales and lying on contracts so I wrote a letter to the Attorney General of my state ( Maryland ) to have Santander pay this car out and relieve him of the fraudulent contract. The Atty General sent my letter to the correct office which went unanswered due to the Covid shutdown. I am now requesting this complaint reinstated for removal from all of his credit reports with the credit bureaus. Santander is reporting this monthly. I do have a case no. from the Atty Generals office to the State of MD Consumer Protection Division which I will be contacting since the economy has opened a little more freely. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the XXXX reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to Transunion the myFico combined report does not display any data for this loan.

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 2021-06-07 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: FL

Complaint narrative:
I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the Equifax reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my Experian report I fell behind in XX/XX/XXXX. However, the XXXX  reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/XXXX I submitted a debt validation letter to PRA regarding a debt that is showing up on my credit report. 

XX/XX/XXXX I requested a copy of a bill ( none of the information that I requested was sent to me ). 

XX/XX/XXXX I resent my request for validation on the debt. 

XX/XX/XXXX I received a letter stating that they would not be responding to anymore of my letters. 

PRA Group has failed to follow the guidelines listed in the FDCPA, FCRA and the Georgia XXXX. They are NOT licensed to do business in the state of GA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FRANK & ISRAEL LTD.
State: GA

Complaint narrative:
On XXXX I had emailed XXXX and XXXX ( XXXX XXXX ) regarding an unknown debt on my credit report. I had stated that my email wasn't an acknowledgement nor acceptance of debt and that I hadn't received any verification of this debt. I was only made aware of owing these funds after applying for a new home loan. I had made a settlement offer to payoff the debt in full in exchange for a courtesy removal from the credit bureaus. I had received a response from XXXX on XX/XX/XXXX. The response provided a settlement offer with them informing me that they'd report the debt as paid in full. I had asked to clarify if they'd be requesting the debt be removed from the bureaus via email on XX/XX/XXXX. They provided a response on XXXX stating that under FCRA they can update the debt as paid in full. I had again responded to that email asking to have a conversation and that I was only asking for a courtesy removal. Again on XXXX, XXXX had quoted what they " can '' do under FCRA. Again on XXXX I had tried calling with no response and sent a follow-up email to them. The issue at hand is that this company has never provided me any initial notification of this debt. Furthermore, this company has not once followed the their requirements pertaining to my rights under the Fair Debt Collection Practices Act by disclosing that he or she is attempting to collect a debt.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Angel Oak Home Loans LLC
State: NC

Complaint narrative:
I looked at Angel Oak Home Loans LLC for a refinance I did not fill out the application Because they wanted my SS number which I did not want to give I called and they said they could do a Bank Statement loan and asked that I send my bank statements which they received and reviewed They called and said I did not have enought cash flow on XX/XX/21 Than on XX/XX/21 I got a letter in the mail saying they had run my credit Showing my credit score I did not give them permission to run my credit nor did I ever give them my SS number Angel Oak Homes Loans LLC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Took upon themselves to find out my SS number my guess through my bank statements And run my credit again without me ever giving them the number or did I sign anything giving them permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from XXXX to follow the law and report all four accounts on my XXXX credit report. 
Because of XXXX negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to XXXX but for some reason XXXX is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If XXXX fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Account # XXXX XXXX XXXX, XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( XXXX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX XXXX DO NOT have it on my credit file XXXX XXXX XXXX  # XXXX Open 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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested.

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX   ), and Richardson v. Fleet, XXXX, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question ...

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 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to Account Resolution Services requesting that they validate the debt in question and they failed to validate the debt they simply sent me an account summary on their letter head. On XX/XX/2021 I sent them a letter notifying them that the information provided does not substantiate that the debt belongs to me. I asked them for specific information about this debt and the failed to furnish the information and continue to report on my credit without doing an actual investigation of this debt.

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 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LendingUSA
State: NJ

Complaint narrative:
LendingUSA does not allow the option to cancel payments online, and they shut down on Sunday 's and holidays. I was told when I signed up for this loan that I could cancel a payment any day of the week. This is not true. This caused me to get a fee from Lending USA as well as the personal loan company. When I spoke with Lending USA, the reps were rude and not helpful and could not get me the fee credited. They are very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letter in to TransUnion stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.

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 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Called into Equifax about statement on my report and that they need to be removed and they took my information told me 1-2 business days and are refusing to fix this information of deleting the statements per my request. I am the one who put the statements there I asked for them to be deleted. Tried to follow up and get the complete run around from all agents. They are not updating my information currently either. they have sent me disputes from over a year ago but not resolving the current issue. Every agent is refusing to do what needs to be done. I have negatives and every account has been paid on time which is them not updating my account correctly either. I am needing help to get this done as they are refusing to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.

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 2021-06-07 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX is refusing to refund for concert tickets I purchased in XX/XX/2020, and has held my money XXXX interest free. It was a total of XXXX XXXX I wanted it put back on my American Express card on file IMMEDIATELY. I am tried of wait,. They have no customer service, email support has ignore me multiple times, with the latest email I sent 2 weeks ago no response,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI
State: TX

Complaint narrative:
I received an alert XX/XX/2021 from my mortgage lender that a 3rd party collection agency General Revenue on behalf of XXXX University had placed a debt for a federal loan amount due for {$720.00} on all three of my credit bureaus. My concern is in light of the America Rescue Plan this debt should not be enforced until after XX/XX/2021.

Company response to consumer: Closed with explanation