vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO DEALER XXXX Account Number : XXXX This is not mine.

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 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I was prepared for a catch advance loan of up to {$750.00} up to XXXX and {$50.00} I have had 4 previous cat  advanced loans and via 's cat advanced loans in the past and I have met all requirements for the past and I have met all requirements for the prior approval I have they have never been late or defaulted and it took end as of now II am cold member which allows my remember which allows my apr to be lower Even though I prequalified it was pretty cool for up to {$750.00} I will up to {$750.00} I was denied alone because of my equipment own because of my XXXX  credit report being frozen report being frozen upon my request which I lifted for the application lifted for the application and was still never was still never received the money that I was approved for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Porania, LLC
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Investigation took more than 30 days
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
Continued to contact family members with same last name after repeatedly asking them not to and attempting to resolve debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI

Complaint narrative:
XXXX XXXX  tried to tell me the there was a debt from a credit card that i owed and that they will sue me and take me to court if i dont resolve it asap. they told me information that was wrong about my account and gave me wrong dates that did not apply to me. I have already made a payment arrangement with a debt collector that i know is ledgit and am working with them. they took my debit card information ( i have since cancelled it and got a new one ) and also put a stop payment on the account so they can not charge it. i reported it to the XXXX XXXX XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
On XX/XX/XXXX my account was charged off and it was also charged off last year in XXXX and also every month of this year. I made payments caught up and was current as of XX/XX/XXXX NationWide CAC LLC never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent South Mississippi Collection Service Inc letters regarding the alleged debts of {$150.00} and XXXX that i don't owe. i didn't get any respond from them which is a violation, so i sent them another letter on XX/XX/2021 asking for the validity of the alleged debts, in which i haven't received anything from them. i am asking for these inaccurate tradelines be deleted from my credit report because its damaging my credit and causing me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On Saturday, XX/XX/2021 I purchased a preowned car and put down {$3.00} grand. The dealership worked with XXXX XXXX to get my account and running and the first payment of {$220.00} was to be made on XX/XX/XXXX. 

Now, when looking at the car, the engine light was on and the salesman said they would get that taken care of. I wasn't aware of the major mechanical issues it had. After taking it to XXXX the next day the car overheated and was smoking. The car ended up having a major gas valve leak. I tried taking it to shops to get it fixed but they said the car was unfixable because the previous owner didn't take care of it. 

I let the dealership know and they worked with me to get a trade-in on XX/XX/2021. That day I mentioned to them that the other car was still on the bank and they told me and my parents to not worry about or take the bank calls because they will pay off the car. 

Two months and they still have not paid. They are even trying to resell the car. And my father has been dealing with them this whole time to get them to pay for the car. On XX/XX/XXXX my father went to figure out what's going on and that day the finance worker made a check to pay for the car. 

The bank called me again on XX/XX/XXXX, I told them the same situation and let them know that the dealership sent a check to them. The worker told me he'll leave a note. 

Fast forward to Monday, XX/XX/XXXX. Bank called again they told me they have not received any check. And this time they told me if I don't pay anything they will have the credit bureau on my credit account. 

Now, I've been in contact with the bank and told them the situation and they keep telling me I still need to pay the amount. They call me at least 6 times a day. They don't ask where the car is or anything. They know I got a trade-in and that the other car is no good. It's considered a " Lemon Car '' so I'm surprised they're not trying to find where the car is or anything since technically that bank owns it. 

I'm also going to file a complaint against the dealership. I was advised by the Consumer Financial Protection Bureau that it's best to file the complaint against the dealership with the Federal Trade Commission.

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 2021-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Auto Finance has, in error, reported derogatory and erroneous information to the credit bureaus for an account that not only has a perfect payment history, but is paid ahead. They have transferred my account to an outsourced department, XXXX XXXX, that is not responsible for these errors. That said, this department can not assist me. In addition, after uncounted attempts, I have been unable to reach an associate at Capital One to assist me. I am repeatedly transferred to XXXX XXXX. I have opened a dispute with the credit bureaus and confident that the matter will be resolved from that end. Regardless, it is unacceptable that I can not get in contact with a Capital One representative to address this matter and should have to wait for the credit bureaus to handle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX  in the amount : {$25000.00} and XXXX XXXX in the amount : {$30000.00} ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: SC

Complaint narrative:
Under 15 USC 1692g Portfolio Recovery XXXX, XXXX dont have the permission to say I owe anything. 

Under 15 usc 1602i " characterizes the transaction as one in which the party to whom credit is offered r extended is a NATURAL PERSON '' .thus as per this statute, a consumer is a natural person, thus, can not be a organization which makes me XXXX XXXX the original creditor. 

Under 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Portfolio Recovery Associates have committed five violations Under 15 USC 1692k 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE 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 non-monetary relief
Consumer complaint received 2021-07-13 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: FL

Complaint narrative:
These are fraudulent inquires on my credit report please remove them.XXXX XXXX XXXX XXXX XXXX, XXXX - Auto Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I recently sent an email to the CEO of Experian citing the accounts I've been trying to get them to fix since XXXX. I attached proof of everything for my disputes- Copy of email from XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that Experian was reporting differently than XXXX  and XXXX  . I also attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately and that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting and that they're also supposed to provide me proof of how they got the information. 

Today I get a call from ( XXXX ) XXXX, who is either the CEO or his representative. He left a voicemail message stating they're not obligated to provide proof of validation nor are they obligated to make sure they're reporting aligns with the other CRA. I saved this voicemail and subsequently called the phone number. This gentleman is basically telling me they don't have to comply with the FCRA. I cited each section and he continued to basically tell me they don't have to comply. Someone needs to explain this to me, how an agency can refuse to comply with the law when they're are hefty fines regarding FCRA violations. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty and Experian is blatantly violating several sections of the FCRA.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation