vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I received a notice from a collection agency by the name of credit Corp. solutions they stated that I owe the balance to XXXX in the amount of $ XXXX.I contacted XXXX directly they stated that they do not use the credit company and that I did not have a balance and then contacted the credit Corp. solutions and advise them that this was false information and that they were fishing they are vies me that this was an actual date and that I needed to make a payment but when I contacted the original creditor this was not a debt that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: SC

Complaint narrative:
still reporting false, misleading, and inaccurate information on my consumer report. sent several letters and they refuse to remove false information, refuse to do a proper investigation, and refuse to send proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I am XXXX XXXX and submitting this complaint myself and there is no third party involved. 

On XX/XX/2021 Flagship Credit Acceptance violated the cease and desist order sent to them by certified mail on XX/XX/2021. Flagship Credit Acceptance agent " XXXX XXXX '' informed me in a phone conversation ( that I initiated in order to expedite the process ) that they ( Flagship Credit Acceptance ) received the cease and desist demand on XX/XX/2021 and noted the information on the account file for the " alleged debt '' then referred me to a senior account specialist in XXXX, but I was never able to get in contact with them that day or today. Flagship Credit Acceptance mailed a billing statement to my home address after I demanded/ordered the company ( Flagship Credit Acceptance ) to cease all contact with me. Flagship Credit Acceptance has still not validated this " alleged debt '' pursuant to 15USC1692g nor have they ( Flagship Credit Acceptance ) responded to the invoice sent to them for the Title 15 damages itemized in the summary of charges that was sent to them by certified mail on XX/XX/2021. All evidence of my claim is attached and I would like this matter resolved quickly and damages paid to me by check. The " billing statement '' also has the same violations from the first " billing statement '' in question which would double their invoice fee. This action is a willful violation of my rights as a federally protected consumer and they should be held liable both criminally and civilly pursuant to 15USC1611 and 15USC1640. 

I, XXXX XXXX, am a natural person/consumer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: DISCOVER BANK
State: NY

Complaint narrative:
please check the following account that appears on my credit report, it is not mine, it is hurting me DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried reaching out to Equifax by mail on XX/XX/2021. I did not receive any response back from Equifax, so got an affidavit of truth written up. Then I mailed it in to them on XX/XX/2021, after having it notarized and signed. It is now XXXX, XXXX, 2021 about 2 months later and I still have not heard anything back from Equifax. When doing some research about the laws I have, I found CFPB. So I am requesting that CFPB please reach out to Equifax and have them fined for not upholding the law O.C.G.A. 15 usc 1681a ( d ) ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
We are consulting an attorney about the problem and this is a general complaint that we suggest something be done to stop " shopping ' for the best kick-back from Finance Charges. 
When a customer signs a Credit Application, it gives the Dealer free rein to make numerous Hard Inquiries about the Customer 's Credit. This will drop the individual 's ( Customer ) Credit Rating Points by 15 to 20 points for EACH call. It is like blaming the victim for the crime.

Why does the Car Dealer do this? They are " shopping '' the deal to see which Lender will give the most kick-back on Finance Charges. About 5 years ago, my personal Credit Score was in the Excellent category at over 795 poin
ts. A Dealer without authorization ( signed Credit Application ) made 5 calls, shopping my purchase ability. This was despite the fact that I told the Dealer I had my own finance. These 5 calls dropped my score to just over 700. It tooks YEARS to get the score back up to XXXX and now another Dealer decided, without authorization to " shop '' my credit has dropped the score to XXXX the Fair category.

Something must be done to stop ruining Credit Ratings as the Dealer shops for an increase in kick-back.

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 2021-09-14 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: TN

Complaint narrative:
On XX/XX/2021 I mailed a letter asking for an investigation to verify questionable accounts on my credit report. I has been almost 5 months and I still haven't received a response and these unverified accounts are still listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris & Harris , Ltd. has been trying to collect a debt that had been paid. They would not let me speak to a manager and would not send a receipt showing that the debt had been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I requested Proof of Claim, and I paid the amount in full.They did not reply. I requested for a notice for Paid in Full.They did not reply. I dont owe nothing and I have paid it all off.

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting a wring name as well as wrong address that I have no knowlege of on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, TX XXXX. This information is inaccurate. Also, There is a name of XXXX XXXX XXXX on my account. This information is also not accurate and that is not how my first name is spelled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.

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 2021-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to capital one for the purpose of obtaining a credit card, capital one has committed fraud with my personal information, I have sent capital one a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time capital one accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because capital one has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report.

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 2021-09-14 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: TX

Complaint narrative:
These accounts do not belong to me, pleas block and remove according to 15 USC 1681c-2.

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 2021-09-14 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: TX

Complaint narrative:
Inaccurate information about a charge off account from XXXX XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My case relates to Experian Report Number # XXXX the alleged bankruptcy that is reporting on my credit report. I sent a dispute letter to Experian XX/XX/XXXX. Along with this dispute I provided documents from the Courthouse Clerk that the bankruptcy court does not report to the credit bureau, A letter from XXXX that the bankruptcy was not verified and has been removed, and a copy of the letter that Experian states their resource to verify bankruptcies is XXXX. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) and in violation of the Fair Credit Reporting Act. Experian did not properly investigate my dispute and take in consideration of the supporting documents. In response, I received an email XX/XX/XXXX from Experian stating the company has verified the information and has certified to Experian that the information is accurate. However, this is false because courts don't report to agencies/credit bureau XXXX XXXX could not verify the alleged bankruptcy and was removed. If XXXX is the source that Experian uses to verify the alleged bankruptcy. How is the bankruptcy verified and accurate? As a result, I would like for CFPB to investigate this matter. Copies of the Disputer letter and supporting documents has been attached.

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 2021-09-14 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: PA

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge, I do not recall any of these accounts. I need this problem to be fixed ASAP. I will not wait another 60 days to receive no response because clearly you all ignored me. I demand these accounts be deleted immediately or I will file for a litigation due to the XXXX you caused me. Section611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted Bridgescrest repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
Prior, I made a complaint within 30 days of application with Fairway Mortgage Company for racial steering, redlining, lending discrimination. The complaint was made through CFPB portal and is currently under investigation by HUD. 

The complaint being made today, is a complaint for a second violation which occurred after the previously mentioned violation. Said mortgage company did not provide a letter of adverse action as required by the XXXX. XXXX XXXX of Fairway Mortgage Company verbally denied my application for credit purporting that I did not meet XXXX qualifications to live in the property. She purported that the developers only accepted XXXX conventional loans. She alleged she did not know the specific reasons for denial when questioned during our conversation on XX/XX/2021 and again XX/XX/2021. 

Application date was XX/XX/2021 and I have yet to see an adverse action letter providing verifiable reasons for denial. I believe that the company did not send a letter of denial because the claim that I did not qualify for XXXX XXXX was a false claim and was verbally offered in an attempt to racially steer me from the community I was interested in purchasing a home in ; it was verbally offered so that there is no record of the false claim because such claim would be evident by XXXX XXXX. 

Again, this a claim of a ECOA ( Reg B ) violation which has not been raised prior. I need an explanation as to why this company violated my rights to receive a written letter of denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am a victim of identity theft in which my social security number along with other identifying information has been utilized in order to apply for and/or secure accounts with various financial institutions. 

In XX/XX/2021, I received an alert notifying me that an account was added to my XXXX credit file with a past due payment history. I immediately contacted the company, NetCredit, on XX/XX/2021 in which I was advised to submit a police report. On that same date, I submitted my police report along with my FTC Identity Theft report. On XX/XX/2021, I received a response indicating that they completed their investigation and confirmed it was not fraud, therefore, taking no further action to remove the account. 

Prior to this instance, there was also a credit inquiry placed on my XXXX credit file from NetCredit. After contacting XXXX and the XXXX XXXX XXXX advising that the inquiry was fraudulently done, the inquiry was since removed. 

I do not understand how NetCredit refuses to acknowledge the documentation submitted and remove the account in once instance, but agrees that the actually application/inquiry was fraudulent and removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: TX

Complaint narrative:
Inaccurate information about a charge off account from members XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: GA

Complaint narrative:
XXXX XXXX car dealership ran my credit without my permission on XX/XX/XXXX & XX/XX/2021. Ive been in contact with the dealership and financial companies with no results. I need these inquiries off my credit fast. Equifax is the only bureau that wont remove from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My case relates to Equifax Confirmation # XXXX the alleged bankruptcy that is reporting on my credit report. I sent a dispute letter to Equifax XX/XX/21. Along with this dispute, I provided documents from the Courthouse Clerk that the bankruptcy court does not report to the credit bureau, A letter from XXXX that the bankruptcy was not verified and has been removed, and a copy of the letter that XXXX states their resource to verify bankruptcies is XXXX. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) and in violation of the Fair Credit Reporting Act. Equifax did not properly investigate my dispute and take in consideration of the supporting documents. In response, I received a letter on XX/XX/21, dated XX/XX/21 from Equifax stating the company has verified the information and has certified to XXXX that the information is accurate. However, this is false because courts don't report to agencies/credit bureau , XXXX could not verify the alleged bankruptcy and was removed. If XXXX is the source that XXXX uses to verify the alleged bankruptcy. How is the bankruptcy verified and accurate? As a result, I would like for CFPB to investigate this matter. Copies of the Disputer letter and supporting documents has been attached.

Company response to consumer: Closed with explanation