vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: OneMain Finance Corporation
State: LA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
I submitted a dispute with Equifax in regards to XXXX XXXX XXXX XXXX placing a collection account in the amount of {$1800.00} on my credit. I could not find my legal documents at the time so I was not able to attach them to the dispute. I submitted the dispute and the next day Equifax said they completed their investigation and that the amount shown is accurate. Stunned that this happened, I called my attorney in which he stated that they were not supposed to do this, as we won the case against the apartment complex. They forwarded me the documents needed to send to Equifax proving that this collection account is not valid. I then opened up a second dispute with Equifax attaching the required documents as requested and submitted the dispute assured that now they would read the documents and fix this error. The very next day I was notified that Equifax has " completed the investigation '' and that again the " amount was accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I have requested debt validation from the following company Professional Credit Management in the following Amounts : XXXX & XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.

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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  someone opened up a student loan in my name of {$8.00}, XXXX and i have disputed this several times letting them know it's not mine and it's identity theft but won't take off my credit. Also same time another one for {$4800.00} from U.S Dept of Edu/XXXX/XXXX i want this off my credit report and off my record. 
On XX/XX/XXXX someone used progressive with my name in it for {$670.00} and i never had any knowledge of this account, i have disputed all of these and esperian and creditor refuse to take off my report and credit so please help me out there are a few others but don't have that info to take off credit. I don't understand why they won't I've said i didn't make them and it's not mine someone else did think they would take more serious

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 2021-07-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Two complaints have been filed against SANTANDER CONSUMER USA ( # XXXX & # XXXX ). 



SANTANDER CONSUMER USA have violated my rights as a consumer therefore, a CEASE AND DESIST letters were sent. However, the debt collector SANTANDER CONSUMER USA is threatening to repossess the vehicle associated with the referenced account listed in the prior complaints.

By SANTANDER CONSUMER USA using profane language to repossess the property referenced is a violation of my consumer rights -- pursuant to 15 USC 1692d ( 1 ) ( 2 ).

As one can see in the attached content, SANTANDER CONSUMER USA has violated my rights as a consumer -- pursuant to 15 USC 1692e ( 2 ) ( A ) ( B ) because a false representation of amount of the debt as well as making an attempt to receive compensation by SANTANDER CONSUMER USA, a debt collector for the collection of {$1700.00} sent to the address ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). 

As mentioned before, letters were sent -- pursuant to 15 USC 1692c ( a ) no prior consent of the consumer ( myself, the natural person ) was given directly to the debt collector. Furthermore, SANTANDER CONSUMER USA may not communicate with the consumer in connection with the collection of any debt. Here is where SANTANDER CONSUMER USA violated my right as a federally protected consumer. 

The letter sent on XX/XX/2021 contained more violations committed by SANTANDER CONSUMER USA. 

First of all, the symbol of the debt collector is visible on the upper left hand corner of the content attached in this complaint -- pursuant to 15 USC 1692b ( 5 ) my right as a consumer was violated by including a symbol indicating that SANTANDER CONSUMER USA is in the debt collection business. Not to mention that at the very bottom of the content, it reads, " SANTANDER CONSUMER USA IS A DEBT COLLECTOR ... THIS IS AN ATTEMPT TO COLLECT YOUR DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. 

Secondly, SANTANDER CONSUMER USA stated that the total amount now due is {$1700.00} which is a violation of my consumer right -- pursuant to 15 USC 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CITY NATIONAL BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I requested a credit file disclosure from Innovis XX/XX/XXXX via internet to to verify if such credit file existed. Upon learning that there was an existing, unauthorized credit file, I disputed the information within the file and requested removal. Innovis continued furnish my private information without my consent. Pursuant to FCRA USC 15 1681, consumer 's have a right to privacy and I never provided written instructions for Innovis to furnish to my consumer file pursuant to USC 15 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
In XX/XX/2017, we moved into XXXX XXXX XXXX, soon after we moved in we had AC leak that left our hallway and rooms saturated with water. We notified the apartment complex several times in writing letting them know that we needed someone to come out and fix this problem. We let them know several times that no one came out to fix this problem and that we started to notice a smell. The complex sent out a maintenance man to PAINT over the growing mold in the walls and floorboards and placed a blower in our hallway. XXXX XXXX  failed to properly remediate XXXX XXXX  in our carpets and walls, causing our family to get sick. One of our children got so sick the children 's hospital had to put him to sleep and perform a XXXX XXXX  on him at XXXX years old. We had to move due to unlivable living conditions. We had to hire an attorney to help us through this horrible time. Now 3 years later XXXX XXXX  placed a collection for {$1800.00} towards the last month 's rent for a place that was deemed unsafe to live in. This collection should not be on our credit and now in turn is negatively impacting our credit and preventing us from being able to find a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery and associates is saying I owe them a debt. I have never done business with them so Im requesting a written contract with my signature showing where I signed for this debt. If they can not provide the written contract I want this removed from my credit reports and all communication to to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent XXXX and Equifax a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of covid forbearance period.

I am a victim of covid 19 and by LAW they should have never put them on my report. In addition another unlawful act by ( Equifax, XXXX ) is violation of 15 U.S. Code 1666b. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. 

As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for {$1000.00} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX Account Number :XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX  Account Number : XXXXViolation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and associate keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
I disputed two 30 day lates reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to capital one that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called capital one In XXXX  of 2020 and also in XXXX XXXX 2020 to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they replied back with they cant remove for courtesy reasons. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Contacted collector about original date of debt being wrong. Dispute filed because they went in and changed the date. Debt is more then 7 years old. Was told I could still be sued over amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
Ive disputed with Equifax three separate occasions over the past 90 days an unverifiable item that is on my report. They have not removed it, they have not responded and there is no creditor/collection company name on this account to contact. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
XXXX XXXX XXXX keeps adding accounts that have been disputed and removed with all credit bureaus. Account amounts are not true nor accurate I was never contacted by originally debtor due to address change. I called and spoke with a rep who Did not properly ask security question to verify the call. The rep stated several accounts that had been removed by all three bureaus. I requested that the company send me these accounts that were showing active that werent disputed and removed. I made this call in XXXX and have not received this request sent validation. 

Amounts XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. 
Common wealth financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation